# EDGAR Filing Document

**Accession Number:** 0001964560
**File Stem:** 0001839882-23-002922
**Filing Date:** 2023-2
**Character Count:** 3216370
**Document Hash:** 1f9623bfe94645ae6c7c4a304fc0e7cf
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001839882-23-002922.hdr.sgml**: 20230203

**ACCESSION NUMBER**: 0001839882-23-002922

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

**PUBLIC DOCUMENT COUNT**: 33

**CONFORMED PERIOD OF REPORT**: 20230203

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

**FILED AS OF DATE**: 20230203

**DATE AS OF CHANGE**: 20230203

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** APF Securitization O4B-23A LLC
- **CENTRAL INDEX KEY:** 0001964560
- **IRS NUMBER:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-06395
- **FILM NUMBER:** 23585166

**BUSINESS ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **STREET 2:** 42ND FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
- **BUSINESS PHONE:** 8035288713

**MAIL ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **STREET 2:** 42ND FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** APF Securitization O4B-23A LLC
- **CENTRAL INDEX KEY:** 0001964560
- **IRS NUMBER:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **STREET 2:** 42ND FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
- **BUSINESS PHONE:** 8035288713

**MAIL ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **STREET 2:** 42ND FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167

OMB Number: 3235-0675

**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**

Check the appropriate box to indicate the filing obligation to 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 filing) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

Name and telephone number, including area code, of the person<br> 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 CFR 240.15Ga-2)

Central Index Key Number of depositor: <u>0001964560</u> 

HOMES 2023-NQM1 Trust

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

Central Index Key Number of issuing entity (if applicable): <u>Not applicable</u>

Central Index Key Number of underwriter (if applicable): <u>Not applicable</u>

Jason Cohen, Authorized Signatory, 646-989-7647

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

**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.

**<u>Exhibits</u>**

99.1 Clayton
Services LLC ("Clayton") Narrative

99.2 Clayton
Valuations Summary

99.3 Clayton
Non-ATR QM Upload

99.4 Clayton
Rating Agency ATR QM Data Fields

99.5 Clayton
Conditions Report

99.6 Clayton
Loan Level Tape Compare

99.7 Consolidated
Analytics, Inc. ("Consolidated") Executive Summary

99.8 Consolidated
Due Diligence Standard

99.9 Consolidated
Valuations Summary Report

99.10 Consolidated
Grading Summary Report

99.11 Consolidated
Data Compare Report

99.12 Consolidated
Supplemental Report

99.13 Infinity
IPS, Inc. ("Infinity") Executive Summary

99.14 Infinity
Data Compare Report

99.15 Infinity
Individual Exception Report

99.16 Infinity
Loan Level Exception Report

99.17 Infinity
Rating Agency Grade Report

99.18 Infinity
Supplemental Data Report

99.19 Infinity
Valuation Report

99.20 Selene
Diligence LLC ("Selene") Narrative

99.21 Selene
Rating Agency Grades Summary Report

99.22 Selene
Standard Findings Report

99.23 Selene
Valuation Report

99.24 Selene
Supplemental Data Extract

99.25 Selene
Data Compare Report

**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.

---

| | | |
|:---|:---|:---|
|  | APF SECURITIZATION O4B-23A LLC | APF SECURITIZATION O4B-23A LLC |
|  | By: | Ares Agent Services, L.P., its manager |
|  | By: | Ares Agent Services GP LLC, its general partner |
| Date: February 3, 2023 | By: | /s/ Jason Cohen |
|  | Name: | Jason Cohen |
|  | Title: | Authorized Signatory |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

[99.1](ex99-1.htm) Clayton Narrative

[99.2](ex99-2.htm) Clayton Valuations Summary

[99.3](ex99-3.htm) Clayton Non-ATR QM Upload

[99.4](ex99-4.htm) Clayton Rating Agency ATR QM Data Fields

[99.5](ex99-5.htm) Clayton Conditions Report

[99.6](ex99-6.htm) Clayton Loan Level Tape Compare

[99.7](ex99-7.htm) Consolidated Executive Summary

[99.8](ex99-8.htm) Consolidated Due Diligence Standard

[99.9](ex99-9.htm) Consolidated Valuations Summary Report

[99.10](ex99-10.htm) Consolidated Grading Summary Report

[99.11](ex99-11.htm) Consolidated Data Compare Report

[99.12](ex99-12.htm) Consolidated Supplemental Report

[99.13](ex99-13.htm) Infinity Executive Summary

[99.14](ex99-14.htm) Infinity Data Compare Report

[99.15](ex99-15.htm) Infinity Individual Exception Report

[99.16](ex99-16.htm) Infinity Loan Level Exception Report

[99.17](ex99-17.htm) Infinity Rating Agency Grade Report

[99.18](ex99-18.htm) Infinity Supplemental Data Report

[99.19](ex99-19.htm) Infinity Valuation Report

[99.20](ex99-20.htm) Selene Narrative

[99.21](ex99-21.htm) Selene Rating Agency Grades Summary Report

[99.22](ex99-22.htm) Selene Standard Findings Report

[99.23](ex99-23.htm) Selene Valuation Report

[99.24](ex99-24.htm) Selene Supplemental Data Extract

[99.25](ex99-25.htm) Selene Data Compare Report

## Exhibit 99.1

[HOMES 2023-NQM1 ABS-15G](homes-abs15g_020223.htm)

**EXHIBIT 99.1**

![](ex991001.jpg)

![](ex991002.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 |
| **Data Compare Results** | **7** |
| **Clayton Due Diligence Results** | **8** |
| **Clayton Third Party Reports Delivered** | **9** |
| **Appendix A: Credit Review Scope** | **9** |
| **Appendix B: Origination Appraisal Assessment** | **12** |
| **Appendix C: Regulatory Compliance Review Scope** | **14** |

---

HOMES 2023-NQM1 Due Diligence Narrative Report Page \| 1 February 1, 2023

![](ex991002.jpg)

**Clayton Contact Information**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex991003.jpg) | **Michael Santarsiere** | Client Service Director |
|  |  | Phone: (813) 371-0280/E-mail: <u>msantarsiere@clayton.com</u> |

---

---

| | | |
|:---|:---|:---|
| ![](ex991003.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview**

On behalf of HomeXpress Mortgage Corp., Clayton conducted an independent third-party pre-securitization due diligence review of 455 residential loans.

APF Holdings I, L.P. subsequently purchased these loans via reliance letter and selected them for the HOMES 2023-NQM1 Transaction.

The loans referenced in this narrative report were reviewed on a flow loan basis from April 2022 to November 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:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;455 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**455** | &nbsp;&nbsp;**100.00%** |

---

HOMES 2023-NQM1 Due Diligence Narrative Report Page \| 2 February 1, 2023

![](ex991002.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.

---

| | |
|:---|:---|
| REVIEW SCOPE | # OF FILES REVIEWED |
| Credit Review | 455 |
| Property Valuation Review | 455 |
| Regulatory Compliance Review | 396 |
| Data Integrity Check | 455 |

---

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.

![](ex991004.jpg)

HOMES 2023-NQM1 Due Diligence Narrative Report Page \| 3 February 1, 2023

![](ex991002.jpg)

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 455 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 (455 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 (455 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;

● Desk Review

● Field Review

● 2<sup>nd</sup>Full Appraisal

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

HOMES 2023-NQM1 Due Diligence Narrative Report Page \| 4 February 1, 2023

![](ex991002.jpg)

Regulatory Compliance Review

Clayton's regulatory compliance scope of review conducted on 396 loans 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.

HOMES 2023-NQM1 Due Diligence Narrative Report Page \| 5 February 1, 2023

![](ex991002.jpg)

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 APF Holdings I, L.P.

<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:

State and Federal High Cost and Higher-Priced:

● 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 IL high cost.

Anti-predatory lending laws

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

● Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

National Flood Insurance Program for 1-4 unit residential properties (Transaction Date on or after 1/1/2016 for regulated lenders)

● Sufficiency of coverage

● Escrow of insurance payments

Data Integrity

Clayton utilized its proprietary eCLAS tool to determine tape-to-file accuracy of 455 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.

HOMES 2023-NQM1 Due Diligence Narrative Report Page \| 6 February 1, 2023

![](ex991002.jpg)

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.

**data Compare Results**

Clayton provided APF Holdings I, L.P. with a copy of the Loan Level Tape Compare Upload which showed the differences between the data received from the sellers versus the data captured by Clayton during the loan review in relation to the 455 loans reviewed.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;10 | &nbsp;&nbsp;97.80% |
| &nbsp;&nbsp;Borrower DSCR Percent | &nbsp;&nbsp;130 | &nbsp;&nbsp;71.43% |
| &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;154 | &nbsp;&nbsp;66.15% |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.56% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | &nbsp;&nbsp;142 | &nbsp;&nbsp;68.79% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;73 | &nbsp;&nbsp;83.96% |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;4 | &nbsp;&nbsp;99.12% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.56% |
| &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;204 | &nbsp;&nbsp;55.16% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;5 | &nbsp;&nbsp;98.90% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;43 | &nbsp;&nbsp;90.55% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.78% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;24 | &nbsp;&nbsp;94.73% |
| &nbsp;&nbsp;Representative Credit Score for Grading | &nbsp;&nbsp;18 | &nbsp;&nbsp;96.04% |
| &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;168 | &nbsp;&nbsp;63.08% |

---

HOMES 2023-NQM1 Due Diligence Narrative Report Page \| 7 February 1, 2023

![](ex991002.jpg)

**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>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 235 | 3 | 68 | 85 | **391** |
| **Final** | **B** |  | 21 | 22 | 21 | **64** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **235** | **24** | **90** | **106** | **455** |

---

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>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 279 |  | 49 | 85 | **413** |
| **Final** | **B** |  | 19 | 8 | 15 | **42** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **279** | **19** | **57** | **100** | **455** |

---

**<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** | 424 | 2 | 14 | 6 | **446** |
| **Final** | **B** |  | 6 | 3 |  | **9** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **424** | **8** | **17** | **6** | **455** |

---

HOMES 2023-NQM1 Due Diligence Narrative Report Page \| 8 February 1, 2023

![](ex991002.jpg)

**<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** | 351 | 2 | 23 | 6 | **382** |
| **Final** | **B** |  | 3 | 9 | 2 | **14** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **351** | **5** | **32** | **8** | **396** |

---

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (59 loans in pool)

**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

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○ 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

– 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

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– 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

– 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

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– Borrower name variations

○ Occupancy

– Borrower address history

– Subject property ownership history

○ Employment

○ Licensing – reviewed NMLS data for:

– Mortgage lender/originator

– Loan officer

○ OFAC

E. Performed
 a DSCR review following the origination guidelines to arrive at a monthly property expense.
 This number is used as the denominator to the monthly lease or estimated lease income.
 Clayton reviewed the applicable documentation and data to arrive at this ratio, including:

○ Principal and interest payment

○ Property taxes

○ Insurance

○ HOA payments

**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

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&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.

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

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– 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.

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

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○ 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)

○ 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.

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● 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.

● 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.

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● 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)

&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 |

---

HOMES 2023-NQM1 Due Diligence Narrative Report Page \| 17 February 1, 2023

![](ex991002.jpg)

---

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

---

HOMES 2023-NQM1 Due Diligence Narrative Report Page \| 18 February 1, 2023

![](ex991002.jpg)

**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:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**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) |
| &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.)

HOMES 2023-NQM1 Due Diligence Narrative Report Page \| 19 February 1, 2023

![](ex991002.jpg)

**<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

HOMES 2023-NQM1 Due Diligence Narrative Report Page \| 20 February 1, 2023

## Exhibit 99.2

[HOMES 2023-NQM1 ABS-15G](homes-abs15g_020223.htm)

**EXHIBIT 99.2**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | HOMES 2023-NQM1 |
| **Start - End Dates:** | 4/26/2022 - 11/9/2022 |
| **Deal Loan Count:** | 455 |
| **Valuations Summary** |  |
| *Loans in Report:* | *455* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  | **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** |
| 10204 | 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% | 2.6 |
| 10205 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10348 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.5 |
| 10420 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10206 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -2.29% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10349 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10207 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.2 |
| 10350 | 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) |
| 10351 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10352 | 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% | 3.4 |
| 10208 | 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) |
| 10209 | 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) |
| 10210 | 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) |
| 10211 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 6.33% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 10212 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | -40.48% | Drive By |  | $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% | Reconciliation | XXXXXX | XXXXXX | XXXXXX | 0.00% | 2.6 |
| 10213 | 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% | 2.6 |
| 10214 | 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% | 2.6 |
| 10421 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 2.5 |
| 10215 | 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% | XXXXXX | XXXXXX | XXXXXX | -26.67% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10216 | 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) |
| 10217 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10218 | 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) |
| 10219 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10353 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -9.09% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10220 | 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% | XXXXXX | XXXXXX | XXXXXX | -65.33% | Reconciliation | XXXXXX | XXXXXX | XXXXXX | 0.00% | (No Data) |
| 10221 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10222 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10223 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10224 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10225 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | -4.11% | 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% | 1 |
| 10354 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10226 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10355 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10356 | 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) |
| 10052 | 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% | 2.6 |
| 10227 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -3.39% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10228 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.1 |
| 10229 | 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% | 2.2 |
| 10230 | 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% | 2.6 |
| 10357 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.7 |
| 10231 | 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) |
| 10232 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -3.19% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10358 | 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) |
| 10233 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10053 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10234 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10235 | 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) |
| 10236 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 4.58% | 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% | 1 |
| 10237 | 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) |
| 10238 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10239 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10240 | 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% | 2.9 |
| 10241 | 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) |
| 10422 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.7 |
| 10242 | 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% | 3.4 |
| 10243 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -13.22% | Reconciliation | XXXXXX | XXXXXX | XXXXXX | 0.00% | 1 |
| 10244 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10786 | 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% | 999 |
| 10245 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10246 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.4 |
| 10247 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10248 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -20.20% | Reconciliation | XXXXXX | XXXXXX | XXXXXX | 0.00% | (No Data) |
| 10249 | 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) |
| 10038 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 2.3 |
| 10250 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.1 |
| 10251 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.2 |
| 10252 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 19.69% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10253 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -26.76% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10254 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -17.44% | Reconciliation | XXXXXX | XXXXXX | XXXXXX | 0.00% | 1.8 |
| 10255 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 1.67% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -19.89% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10256 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10257 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.4 |
| 10258 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10259 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10359 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.9 |
| 10260 | 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% | XXXXXX | XXXXXX | XXXXXX | -11.64% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10261 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10262 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10263 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.3 |
| 10423 | 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% | 2.8 |
| 10264 | 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) |
| 10265 | 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) |
| 10424 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -5.17% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10266 | 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) |
| 10360 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10267 | 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) |
| 10268 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10269 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -4.44% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10425 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10270 | 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) |
| 10119 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 2.5 |
| 10271 | 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% | 2.6 |
| 10272 | 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% | 3.1 |
| 10273 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10274 | 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) |
| 10275 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10426 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10276 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.1 |
| 10277 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10361 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10278 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.9 |
| 10362 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -7.77% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10279 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -2.70% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10280 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 8.97% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 10281 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10282 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10283 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10054 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -13.67% | Collateral Analytics | 5.000 | 50.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 10284 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -3.94% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10285 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10286 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10363 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -8.20% |  |  | $0.00 | $0.00 | 0.00% | 2.9 |
| 10364 | 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% | 4.6 |
| 10287 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10288 | 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% | 3.7 |
| 10289 | 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) |
| 10290 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10291 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -4.50% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10292 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 2.3 |
| 10427 | 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) |
| 10293 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 5.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10294 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10295 | 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) |
| 10296 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10365 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10366 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 8.33% |  | $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) |
| 10297 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.7 |
| 10298 | 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% | 3.1 |
| 10299 | 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% | 2.6 |
| 10367 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10368 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 20.83% | 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% | XXXXXX | XXXXXX | XXXXXX | -2.08% |  |  | $0.00 | $0.00 | 0.00% | 4.6 |
| 10300 | 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% | 3.9 |
| 10428 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.45% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10429 | 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) |
| 10301 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.3 |
| 10055 | 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) |
| 10302 | 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) |
| 10430 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10303 | 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) |
| 10304 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 0.60% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 10305 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.5 |
| 10056 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.5 |
| 10120 | 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% | 5 |
| 10306 | 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) |
| 10307 | 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% | 3.6 |
| 10308 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.1 |
| 10431 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10309 | 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% | 5 |
| 10369 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 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) |
| 10370 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10005 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10310 | 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) |
| 10371 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.6 |
| 10311 | 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% | 2.7 |
| 10432 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10372 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10373 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.1 |
| 10433 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10374 | 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) |
| 10434 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10375 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 14.29% | 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% | XXXXXX | XXXXXX | XXXXXX | -2.61% |  |  | $0.00 | $0.00 | 0.00% | 2.8 |
| 10312 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10313 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10314 | 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% | 3.7 |
| 10315 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 2.3 |
| 10057 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 2.5 |
| 10376 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 3.09% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10316 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 2.3 |
| 10377 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10139 | 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) |
| 10435 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10378 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 1.33% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 10058 | 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) |
| 10317 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 2.2 |
| 10318 | 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% | 4.8 |
| 10379 | 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) |
| 10319 | 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) |
| 10320 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10059 | 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% | 3.8 |
| 10380 | 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% | 3.7 |
| 10060 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -14.84% | Reconciliation | XXXXXX | XXXXXX | XXXXXX | 0.00% | 2.8 |
| 10714 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | -15.78% | Full Appraisal |  | $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) |
| 10061 | 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% | 2.8 |
| 10381 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10382 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.8 |
| 10062 | 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) |
| 10436 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 2.1 |
| 10063 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10121 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10383 | 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) |
| 10384 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10385 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.7 |
| 10437 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 2.5 |
| 10039 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -1.34% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 10386 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.3 |
| 10387 | 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% | 3.7 |
| 10064 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10065 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.1 |
| 10438 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 2.3 |
| 10388 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.1 |
| 10389 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.7 |
| 10390 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.1 |
| 10391 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.8 |
| 10439 | 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% | XXXXXX | XXXXXX | XXXXXX | 7.83% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10440 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.2 |
| 10392 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -12.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | Reconciliation | XXXXXX | XXXXXX | XXXXXX | -4.00% | 1.4 |
| 10441 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10066 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10140 | 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) |
| 10393 | 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% | 4 |
| 10040 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 2 |
| 10067 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.2 |
| 10068 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.4 |
| 10141 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -24.70% | Reconciliation | XXXXXX | XXXXXX | XXXXXX | -13.69% | (No Data) |
| 10069 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -2.17% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10070 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 7.65% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10006 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.4 |
| 10394 | 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) |
| 10395 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 2.2 |
| 10396 | 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% | 2.6 |
| 10041 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -1.37% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 10397 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -18.57% | Reconciliation | XXXXXX | XXXXXX | XXXXXX | -7.14% | 2.6 |
| 10071 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 2.1 |
| 10398 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10399 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10442 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -8.82% | Reconciliation | XXXXXX | XXXXXX | XXXXXX | 0.00% | (No Data) |
| 10007 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 2.02% | 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% | 2.3 |
| 10072 | 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% | 3.4 |
| 10073 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.3 |
| 10400 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10401 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10074 | 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) |
| 10402 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10075 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10403 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10404 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.36% | 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% | 1 |
| 10405 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10142 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.4 |
| 10042 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 1.74% | 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% | XXXXXX | XXXXXX | XXXXXX | -32.70% | Reconciliation | XXXXXX | XXXXXX | XXXXXX | -12.79% | 3.3 |
| 10008 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10076 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10443 | 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) |
| 10406 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10407 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 13.51% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10408 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.6 |
| 10113 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.14% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.14% |  | $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% | XXXXXX | XXXXXX | XXXXXX | -17.70% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| 10444 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10445 | 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) |
| 10114 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.5 |
| 10077 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10446 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -4.74% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 10447 | 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% | XXXXXX | XXXXXX | XXXXXX | -25.32% | Reconciliation | XXXXXX | XXXXXX | XXXXXX | 0.00% | 4 |
| 10448 | 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) |
| 10043 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10409 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 2.5 |
| 10078 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10079 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.1 |
| 10080 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -6.35% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 10081 | 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) |
| 10410 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 2.3 |
| 10411 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.3 |
| 10412 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10009 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.9 |
| 10082 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 2.5 |
| 10413 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 12.50% | 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% | 5 |
| 10414 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.8 |
| 10415 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10083 | 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) |
| 10084 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10044 | 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) |
| 10045 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 2 |
| 10416 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 2.1 |
| 10085 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 2.1 |
| 10122 | 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) |
| 10417 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10086 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10087 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.1 |
| 10088 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.5 |
| 10089 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 1.02% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 10003 | 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% | 2.6 |
| 10090 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10143 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 2.2 |
| 10091 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.4 |
| 10092 | 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% | 2.6 |
| 10010 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10093 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10094 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.1 |
| 10001 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 2.5 |
| 10095 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10418 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -8.18% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 10116 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10123 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10011 | 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) |
| 10144 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.5 |
| 10117 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 2.5 |
| 10419 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -0.66% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10012 | 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% | 2.6 |
| 10046 | 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% | 2.8 |
| 10013 | 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% | XXXXXX | XXXXXX | XXXXXX | -21.43% |  |  | $0.00 | $0.00 | 0.00% | 4.3 |
| 10096 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10097 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.2 |
| 10124 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10098 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (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% | XXXXXX | XXXXXX | XXXXXX | 9.14% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10099 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10100 | 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) |
| 10014 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -8.62% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 10787 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10047 | 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) |
| 10048 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 2 |
| 10101 | 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% | XXXXXX | XXXXXX | XXXXXX | -22.04% |  |  | $0.00 | $0.00 | 0.00% | 4.3 |
| 10145 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | -6.45% | Drive By |  | $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) |
| 10102 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.6 |
| 10146 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.1 |
| 10103 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -1.55% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10147 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10148 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10104 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 2.2 |
| 10149 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 2.2 |
| 10769 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.4 |
| 10105 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10049 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -4.06% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 10106 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10015 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 4.40% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 10107 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10125 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 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% | 3.1 |
| 10150 | 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% | 3.4 |
| 10004 | 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% | 2.9 |
| 10118 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10016 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -5.66% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.4 |
| 10050 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10151 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -15.12% | Reconciliation | XXXXXX | XXXXXX | XXXXXX | 0.00% | 2.4 |
| 10108 | 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% | 3.9 |
| 10109 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -10.82% | Reconciliation | XXXXXX | XXXXXX | XXXXXX | -2.95% | 2.8 |
| 10051 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -9.52% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10152 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10110 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10715 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.8 |
| 10153 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.1 |
| 10154 | 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% | 3.3 |
| 10155 | 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% | 3.4 |
| 10156 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.2 |
| 10157 | 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% | 2.6 |
| 10158 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.2 |
| 10159 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.9 |
| 10160 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -21.91% | Reconciliation | XXXXXX | XXXXXX | XXXXXX | 0.00% | 5 |
| 10111 | 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% | 3.7 |
| 10161 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.2 |
| 10788 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10162 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.6 |
| 10163 | 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% | 3.5 |
| 10164 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.3 |
| 10165 | 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% | 3.2 |
| 10166 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10112 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 2.2 |
| 10716 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10167 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10168 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10690 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.5 |
| 10169 | 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% | 2.7 |
| 10170 | 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% | XXXXXX | XXXXXX | XXXXXX | -8.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 10171 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10172 | 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) |
| 10017 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.3 |
| 10173 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 3.08% |  |  | $0.00 | $0.00 | 0.00% | 2.7 |
| 10174 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -4.73% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10717 | 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) |
| 10718 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.6 |
| 10175 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10176 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10177 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 2.45% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10719 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.2 |
| 10178 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.6 |
| 10179 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -4.02% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 10180 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10181 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.1 |
| 10182 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10183 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.7 |
| 10184 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10185 | 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) |
| 10186 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 2.1 |
| 10720 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10187 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10721 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10770 | 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% | 3.5 |
| 10188 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10189 | 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) |
| 10190 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10191 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10192 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.6 |
| 10722 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.3 |
| 10723 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10724 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10193 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10194 | 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) |
| 10195 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10725 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 2.4 |
| 10196 | 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% | 4.7 |
| 10771 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10772 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 2.3 |
| 10773 | 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) |
| 10197 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.8 |
| 10726 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10727 | 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% | 2.8 |
| 10728 | 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% | 4.3 |
| 10198 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.3 |
| 10774 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10199 | 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% | 3 |
| 10200 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 13.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10775 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10729 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10201 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.9 |
| 10730 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10776 | 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) |
| 10731 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 2 |
| 10732 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10733 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.8 |
| 10734 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10735 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.7 |
| 10202 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 5.21% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10736 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 2 |
| 10737 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10738 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 15.67% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10739 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10740 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10741 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10203 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.6 |
| 10742 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10743 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10744 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10777 | 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% | 3.8 |
| 10745 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.4 |
| 10746 | 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) |
| 10747 | 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) |
| 10748 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.2 |
| 10749 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.5 |
| 10750 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.1 |
| 10751 | 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% | 3.8 |
| 10752 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 2 |
| 10753 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -0.79% |  |  | $0.00 | $0.00 | 0.00% | 3.6 |
| 10754 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10755 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.7 |
| 10756 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.3 |
| 10757 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10758 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 2.08% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10759 | 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% | 5 |
| 10760 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10778 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 2.4 |
| 10761 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |
| 10762 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -4.54% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 10763 | 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% | 4.1 |
| 10764 | 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% | 2.8 |
| 10765 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 2 |
| 10766 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 3.64% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10767 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1.9 |
| 10768 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $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% | 1 |

---

## Exhibit 99.3

[HOMES 2023-NQM1 ABS-15G](homes-abs15g_020223.htm)

**EXHIBIT 99.3**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **HOMES 2023-NQM1** |
| **Start - End Dates:** | **4/26/2022 - 11/9/2022** |
| **Deal Loan Count:** | **455** |
| **ATR QM Upload** | **ATR QM Upload** |
| Loans in Report: | 455 |

---

---

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| **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** | **Is the Loan a Short-Term Rental?** | **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** |
| 10204 | 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 amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | 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) | -2378.54 | 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 Data) | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.0090 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10205 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.2499 | 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) | -2884.07 | 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 Data) | No | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 0.7628 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10348 | 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 | 6.3454 | Yes | Yes | 2.388 | 2.388 | (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 | 12.8 | 13.66 | 12.8 | 13.66 | 13.66 | 13.66 | No | No | (No Data) | 38871.73 | 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 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) |
| 10420 | 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 amt prepd | (No Data) | Yes | Yes | 1 | 6.3750 | 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) | -5541.39 | 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 Data) | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.0403 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10206 | 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 | 6.0291 | Yes | Yes | 1.603 | 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 | 30.3 | 26.95 | 30.3 | 26.95 | 26.95 | 26.95 | No | No | (No Data) | 57444.79 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2 | Yes | 2 | 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) | Yes | 1 | 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 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 - 1 months; | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) |
| 10349 | 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 | 6.2974 | No | No | 1.768 | 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 | 49.23 | 49.23 | 49.23 | 49.23 | 49.23 | 49.23 | No | No | (No Data) | 26210.5 | 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 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) |
| 10207 | 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 | 6.9220 | Yes | Yes | 1.371 | 1.371 | (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 | 9.4 | 9.4 | 9.4 | 9.4 | 9.4 | 9.4 | Yes | Yes | Yes | 28605.06 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months; | (No Data) | (No Data) | (No Data) |
| 10350 | 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) | Yes | No | 1 | 6.5025 | Yes | Yes | 3.981 | 3.981 | (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 | 32.36 | 32.22 | 32.36 | 32.22 | 32.22 | 32.22 | No | No | (No Data) | 15214.73 | 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 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) |
| 10351 | 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 | 6.3609 | Yes | Yes | 2.382 | 2.382 | (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 | 36.64 | 36.45 | 36.45 | 36.45 | 36.45 | 36.45 | Yes | Yes | Yes | 8609.23 | 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) | 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 | (No Data) | No | (No Data) | (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 | 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 | 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) | Personal Bank Statements - 24 months; | Award Letter - 1 months;<br> W2 - 12 months; | (No Data) | (No Data) |
| 10352 | 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 | 7.4103 | No | No | 2.285 | 2.285 | (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 | 46.06 | 46.06 | 46.06 | 46.06 | 46.06 | 46.06 | Yes | Yes | Yes | 8013.33 | 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) | 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 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months;<br> Personal Bank Statements - 12 months; | Verbal VOE with Income - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 10208 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Second Home | 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 | 6.5563 | No | Yes | 3.12 | 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 | 40.38 | 44.53 | 40.38 | 44.53 | 44.53 | 44.53 | Yes | Yes | Yes | 14536.71 | 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 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) |
| 10209 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.2500 | 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) | -1975.77 | 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 Data) | No | (No Data) | (No Data) | Yes | 4140.00 | No | (No Data) | 2.0950 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10210 | 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) | Yes | (No Data) | Rate and Term Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7499 | 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) | -5863.94 | 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 Data) | No | (No Data) | (No Data) | Yes | 8300.00 | No | (No Data) | 1.4154 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10211 | 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 amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | 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) | -4147.5 | 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 Data) | No | (No Data) | (No Data) | Yes | 5300.00 | No | (No Data) | 1.2778 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10212 | 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 | (No Data) | Yes | Yes | 1 | 7.4991 | 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 | 34.7 | 0 | 34.7 | 34.7 | 35.27 | (No Data) | (No Data) | (No Data) | 16710.84 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (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) | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | (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) | Business Tax Return - 24 months; | Business Tax Return - 24 months;<br> Paystub - 24 months;<br> Personal Tax Return - 24 months;<br> Verbal VOE with Income - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 10213 | 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% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | 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 | 20.67 | 0 | 20.67 | 20.67 | 20.67 | (No Data) | (No Data) | (No Data) | 80945.55 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months; | (No Data) | (No Data) | (No Data) |
| 10214 | 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 | 7.0334 | No | No | 2.792 | 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 | 48.48 | 49.62 | 48.48 | 49.62 | 49.62 | 49.62 | No | No | (No Data) | 2644.25 | 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) | 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 | 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 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;<br> Written VOE - 1 months; | (No Data) | (No Data) | (No Data) |
| 10421 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.2499 | 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) | -1591.15 | 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 Data) | No | (No Data) | (No Data) | Yes | 1600.00 | No | (No Data) | 1.0056 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10215 | 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 | 8.3477 | Yes | Yes | 3.239 | 3.239 | (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 | 8.78 | 10.64 | 8.78 | 10.64 | 10.64 | 10.64 | Yes | Yes | Yes | 75171.82 | 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 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) |
| 10216 | 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% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | 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) | -5984.58 | 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 Data) | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.7523 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10217 | 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 | 7.4334 | Yes | Yes | 3.326 | 0.000 | No | 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 | 42.95 | 42.95 | 42.95 | 42.95 | 42.95 | 42.95 | No | No | (No Data) | 3526.23 | 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) | 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 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> Verbal VOE with Income - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 10218 | 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% of amt prepd | (No Data) | Yes | Yes | 1 | 6.3750 | 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) | -6395.63 | 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 Data) | No | (No Data) | (No Data) | Yes | 6700.00 | No | (No Data) | 1.0475 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10219 | 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 | (No Data) | Yes | Yes | 1 | 6.2500 | 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) | -1284.58 | 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 Data) | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 1.1676 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10353 | 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 | 8.0394 | Yes | Yes | 2.117 | 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 | 41.37 | 39.99 | 41.37 | 39.99 | 39.99 | 39.99 | Yes | Yes | Yes | 22139.61 | 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 | 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 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; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 10220 | 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% of amt prepd | (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) | -975.59 | 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 Data) | No | (No Data) | (No Data) | Yes | 1400.00 | No | (No Data) | 1.4350 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10221 | 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 | No | 1 | 7.0166 | Yes | Yes | 4.046 | 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 | 24.93 | 24.95 | 24.93 | 24.95 | 24.95 | 24.95 | No | No | (No Data) | 78433.64 | 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 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) |
| 10222 | 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 | 6.5268 | Yes | Yes | 2.287 | 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 | 31.04 | 31.32 | 31.04 | 31.32 | 31.32 | 31.32 | No | No | (No Data) | 13749.23 | 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 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) |
| 10223 | 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 | Yes | 1 | 7.4341 | No | No | 3.673 | 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 | 49.21 | 49.24 | 49.21 | 49.24 | 49.24 | 49.24 | No | No | (No Data) | 1865.13 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months; | (No Data) | (No Data) | (No Data) |
| 10224 | 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 | 7.4995 | Yes | Yes | 3.381 | 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 | 18.74 | 18.74 | 18.74 | 18.74 | 18.74 | 18.74 | Yes | Yes | Yes | 13156.75 | 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 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) |
| 10225 | 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 | 6.8379 | Yes | Yes | 3.27 | 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 | 31.73 | 31.73 | 31.73 | 31.73 | 31.73 | 31.73 | No | No | (No Data) | 16418.84 | 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 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) |
| 10354 | 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 | No | 1 | 7.5885 | Yes | Yes | 2.072 | 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 | 18.01 | 17.89 | 18.01 | 17.89 | 17.89 | 17.89 | Yes | Yes | Yes | 29105.83 | 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 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) |
| 10226 | 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 | No | 1 | 7.0174 | Yes | Yes | 1.688 | 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 | 37.54 | 41.91 | 37.54 | 39 | 39 | 39 | Yes | Yes | Yes | 6415.88 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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 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; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 10355 | 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% of amt prepd | (No Data) | Yes | Yes | 1 | 9.5000 | 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 | 9.53 | 0 | 9.53 | 9.53 | 9.53 | (No Data) | (No Data) | (No Data) | 67931.87 | 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 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) |
| 10356 | 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 | 7.7649 | No | No | 2.296 | 2.296 | (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 | 47.41 | 47.41 | 47.41 | 47.41 | 47.41 | 47.41 | Yes | Yes | Yes | 2875.15 | 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 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) |
| 10052 | 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 | 8.8205 | No | Yes | 1.693 | 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 | 42.68 | 47.04 | 42.68 | 47.04 | 47.04 | 47.04 | No | No | (No Data) | 8655.33 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3 | Yes | 2 | 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) | 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 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 3 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 10227 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.6249 | 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) | -3811.75 | 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 Data) | No | (No Data) | (No Data) | Yes | 4000.00 | No | (No Data) | 1.0493 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10228 | 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 | 6.4043 | No | No | 1.607 | 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 | 47.66 | 47.66 | 47.66 | 47.66 | 47.66 | 47.66 | No | No | (No Data) | 51269.91 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months; | (No Data) | (No Data) | (No Data) |
| 10229 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5001 | 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) | -4398.46 | 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 Data) | No | (No Data) | (No Data) | Yes | 3500.00 | No | (No Data) | 0.7957 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10230 | 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 amt prepd | (No Data) | Yes | Yes | 1 | 6.5000 | 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) | -4836.5 | 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 Data) | No | (No Data) | (No Data) | Yes | 3700.00 | No | (No Data) | 0.7650 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10357 | 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 | 2 mos interest on amt prepd >1/3 of OPB | (No Data) | No | Yes | 1 | 7.1251 | No | No | 0.792 | (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) | -3642.45 | 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 Data) | No | (No Data) | (No Data) | Yes | 4000.00 | No | (No Data) | 1.0981 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10231 | 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 | 2 Family | 2 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7628 | Yes | Yes | 0.406 | 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 | 16.93 | 16.93 | 16.93 | 16.93 | 16.93 | 16.93 | No | No | (No Data) | 9281.07 | 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 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) |
| 10232 | 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 | Yes | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3995 | Yes | Yes | 1.874 | 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 | 30.4 | 31.18 | 30.4 | 28.71 | 28.71 | 28.71 | No | No | (No Data) | 32142.94 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months; | (No Data) | (No Data) | (No Data) |
| 10358 | 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% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8741 | 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) | -1309.14 | 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 Data) | No | (No Data) | (No Data) | Yes | 1850.00 | No | (No Data) | 1.4131 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10233 | 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% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | 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) | -7061.45 | 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 Data) | No | (No Data) | (No Data) | Yes | 3200.00 | No | (No Data) | 0.9805 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10053 | 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 | 6.7395 | Yes | Yes | 2.359 | 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 | 36.13 | 34.68 | 36.13 | 34.68 | 34.68 | 34.68 | No | No | (No Data) | 10643.3 | 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 | 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 | 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 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; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) |
| 10234 | 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 | 7.0051 | Yes | Yes | 3.583 | 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 | 32.72 | 30.82 | 32.72 | 30.82 | 30.82 | 30.82 | Yes | Yes | Yes | 20595.69 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 12 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 10235 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8750 | 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) | -3749.78 | 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 Data) | No | (No Data) | (No Data) | Yes | 3305.00 | No | (No Data) | 0.8814 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10236 | 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 | 6.8619 | No | No | 2.391 | 2.391 | (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 | 47.07 | 46.13 | 47.07 | 46.13 | 46.13 | 46.13 | Yes | Yes | Yes | 26649.04 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 4 | 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 | 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 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 - 4 months;<br> Verbal VOE with Income - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 10237 | 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) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (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) | -3623.47 | 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 Data) | No | (No Data) | (No Data) | Yes | 4500.00 | No | (No Data) | 1.2419 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10238 | 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 | 6.9900 | No | No | 2.406 | 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 | 47.8 | 49.95 | 47.8 | 49.95 | 49.95 | 49.95 | No | No | (No Data) | 4537.4 | 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 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) | 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) | Award Letter - 1 months;<br> Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 10239 | 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 | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7428 | Yes | Yes | 2.471 | 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 | 35.35 | 35.35 | 35.35 | 35.35 | 35.35 | 35.35 | Yes | Yes | Yes | 14526.39 | 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 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) |
| 10240 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | 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 | 7.1251 | Yes | No | 0 | Not Applicable | (No Data) | (No Data) | No | No | (No Data) | 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 | 26.81 | 0 | 26.81 | 26.81 | 26.81 | No | No | (No Data) | 10858.75 | 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) | Yes | 36 | 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 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) | Written VOE - 36 months; | Verbal VOE with Income - 36 months; | (No Data) | (No Data) |
| 10241 | 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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.2500 | 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) | -3582.19 | 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 Data) | No | (No Data) | (No Data) | Yes | 5400.00 | No | (No Data) | 1.5074 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10422 | 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 | (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) | -4067.77 | 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 Data) | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 1.1166 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10242 | 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 | (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) | -2883.03 | 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 Data) | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 0.8671 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10243 | 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 | (No Data) | Yes | Yes | 1 | 7.8750 | 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) | -3639.28 | 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 Data) | No | (No Data) | (No Data) | Yes | 3950.00 | No | (No Data) | 1.0853 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10244 | 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 | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8555 | Yes | Yes | 2.275 | 2.275 | (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 | 35.66 | 35.66 | 35.66 | 35.66 | 35.66 | 35.66 | No | No | (No Data) | 8916.19 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months; | (No Data) | (No Data) | (No Data) |
| 10786 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | 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) | -2209.41 | 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 Data) | No | (No Data) | (No Data) | Yes | 2195.00 | No | (No Data) | 0.9935 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10245 | 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% of amt prepd | (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) | -1203.69 | 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 Data) | No | (No Data) | (No Data) | Yes | 1475.00 | No | (No Data) | 1.2255 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10246 | 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 | 7.3037 | Yes | Yes | 3.011 | 3.011 | (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 | 30.58 | 30.14 | 30.58 | 30.14 | 30.14 | 30.14 | Yes | Yes | Yes | 7695.63 | 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 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) |
| 10247 | 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 | No | 1 | 7.2363 | Yes | Yes | 4.95 | 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 | 35.91 | 35.91 | 35.91 | 35.91 | 35.91 | 35.91 | No | No | (No Data) | 17248.42 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 10248 | 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) | Yes | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.0000 | 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) | -3940.39 | 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 Data) | No | (No Data) | (No Data) | Yes | 2555.00 | No | (No Data) | 0.6484 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10249 | 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% of amt prepd | (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) | -1402.02 | 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 Data) | No | (No Data) | (No Data) | Yes | 1850.00 | No | (No Data) | 1.3195 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10038 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9990 | 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) | -5311.89 | 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 Data) | No | (No Data) | (No Data) | Yes | 4000.00 | No | (No Data) | 0.7530 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10250 | 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 | 8.1423 | Yes | Yes | 3.7 | 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 | 12.09 | 12.09 | 12.09 | 12.09 | 12.09 | 12.09 | Yes | No | (No Data) | 31738.2 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 96 | No | (No Data) | No | (No Data) | 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 - 96 months; | (No Data) | (No Data) | (No Data) |
| 10251 | 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% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | 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) | -1974.76 | 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 Data) | No | (No Data) | (No Data) | Yes | 1900.00 | No | (No Data) | 0.9616 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10252 | 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 | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | 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) | -2008.4 | 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 Data) | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.1949 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10253 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.2499 | 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) | -3995.75 | 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 Data) | No | (No Data) | (No Data) | Yes | 6050.00 | No | (No Data) | 1.5141 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10254 | 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 | Cashout Refi | Yes | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4186 | Yes | Yes | 0.519 | 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 | 34.86 | 37.26 | 34.86 | 33.84 | 33.84 | 33.84 | No | No | (No Data) | 17918.42 | 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 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) |
| 10255 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.6249 | 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) | -12306.4 | 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 Data) | No | (No Data) | (No Data) | Yes | 5500.00 | No | (No Data) | 0.7716 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10256 | 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 | 8.0274 | Yes | Yes | 4.585 | 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 | 14.56 | 14.47 | 14.47 | 14.47 | 14.47 | 14.47 | No | No | (No Data) | 26549.18 | 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 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) | 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 - 1 months; | (No Data) | (No Data) | (No Data) |
| 10257 | 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 | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0553 | Yes | Yes | 2.791 | 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 | 38.8 | 37.89 | 38.8 | 37.89 | 37.89 | 37.89 | No | No | (No Data) | 6801.78 | 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 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) |
| 10258 | 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 | 7.5286 | Yes | Yes | 1.318 | 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 | 39.97 | 39.97 | 39.97 | 39.97 | 39.97 | 39.97 | No | No | (No Data) | 7167.94 | 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 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 | 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 - 60 months; | (No Data) | (No Data) | (No Data) |
| 10259 | 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 mos interest on amt prepd | (No Data) | No | Yes | 1 | 6.2500 | No | No | 2.604 | (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) | -1445.81 | 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 Data) | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.3833 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10359 | 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 | 8.5666 | Yes | Yes | 2.509 | 0.000 | (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 | 36.13 | 36.13 | 36.13 | 36.13 | 36.13 | 36.13 | No | No | (No Data) | 4908.26 | 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 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 | 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 - 60 months; | (No Data) | (No Data) | (No Data) |
| 10260 | 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 amt prepd | (No Data) | Yes | Yes | 1 | 6.2500 | 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) | -1321.69 | 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 Data) | No | (No Data) | (No Data) | Yes | 1575.00 | No | (No Data) | 1.1916 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10261 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8749 | 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) | -3054.53 | 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 Data) | No | (No Data) | (No Data) | Yes | 3100.00 | No | (No Data) | 1.0148 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10262 | 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 | (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) | -2919.41 | 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 Data) | No | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 0.7535 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10263 | 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% of amt prepd | (No Data) | Yes | Yes | 1 | 6.2499 | 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) | -2432.26 | 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 Data) | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.0278 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10423 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.0000 | 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) | -4492.82 | 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 Data) | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 1.0040 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10264 | 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 | 7.1477 | No | No | 1.676 | 1.676 | (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 | 53.88 | 54.07 | 53.51 | 54.07 | 54.07 | 54.07 | Yes | Yes | Yes | 5045.78 | 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 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) |
| 10265 | 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) | Yes | Yes | 1 | 7.2188 | No | No | 3.543 | 3.543 | (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 | 49.36 | 49.85 | 49.36 | 49.85 | 49.85 | 49.85 | Yes | Yes | Yes | 7316.61 | Yes | XXXXXX | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 4 | 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 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 - 4 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 10424 | 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% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7490 | 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) | -1882.18 | 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 Data) | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 1.2219 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10266 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | 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) | -4220.75 | 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 Data) | No | (No Data) | (No Data) | Yes | 4200.00 | No | (No Data) | 0.9995 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10360 | 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 | 7.2923 | Yes | Yes | 4.127 | 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 | 40.26 | 40.26 | 40.26 | 40.26 | 40.26 | 40.26 | No | No | (No Data) | 5540.04 | 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 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) |
| 10267 | 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) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7499 | 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) | -9112.92 | 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 Data) | No | (No Data) | (No Data) | Yes | 6600.00 | No | (No Data) | 1.1842 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10268 | 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 | 8.0987 | No | No | 3.317 | 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 | 45.09 | 44.36 | 45.09 | 44.36 | 44.36 | 44.36 | No | No | (No Data) | 4260.42 | 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 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) |
| 10269 | 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 amt prepd | (No Data) | Yes | Yes | 1 | 6.1250 | 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) | -1141.28 | 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 Data) | No | (No Data) | (No Data) | Yes | 1650.00 | No | (No Data) | 1.4457 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10425 | 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 amt prepd | (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) | -1244.05 | 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 Data) | No | (No Data) | (No Data) | Yes | 1621.00 | No | (No Data) | 1.3030 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10270 | 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 | 5% of amt prepd | (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) | -2194.39 | 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 Data) | No | (No Data) | (No Data) | Yes | 3590.00 | No | (No Data) | 1.6359 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10119 | 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 | 9.1866 | 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 | 4.41 | 4.41 | 4.41 | 4.41 | 4.41 | 4.41 | Yes | Yes | Yes | 263046.59 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months; | (No Data) | (No Data) | (No Data) |
| 10271 | 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 | (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) | -1447.86 | 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 Data) | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 1.2432 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10272 | 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% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | 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 | 6.51 | 0 | 6.51 | 6.51 | 6.51 | (No Data) | (No Data) | (No Data) | 79277.04 | 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 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) | 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 Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) |
| 10273 | 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 | No | 1 | 6.4955 | Yes | Yes | 3.584 | 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 | 19.3 | 19 | 19.3 | 19 | 19 | 19 | Yes | Yes | Yes | 14247.04 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months; | (No Data) | (No Data) | (No Data) |
| 10274 | 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 | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | 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) | -3890.78 | 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 Data) | No | (No Data) | (No Data) | Yes | 1650.00 | No | (No Data) | 1.3160 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10275 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.6249 | 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) | -3149.62 | 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 Data) | No | (No Data) | (No Data) | Yes | 3400.00 | No | (No Data) | 1.0794 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10426 | 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 amt prepd | (No Data) | Yes | Yes | 1 | 6.1250 | 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) | -2961.88 | 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 Data) | No | (No Data) | (No Data) | Yes | 3500.00 | No | (No Data) | 1.1816 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10276 | 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 | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9582 | Yes | Yes | 1.796 | 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 | 42.31 | 42.31 | 42.31 | 42.31 | 42.31 | 42.31 | Yes | Yes | Yes | 6586 | 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 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) |
| 10277 | 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) | Yes | No | 1 | 6.3622 | Yes | Yes | 3.836 | 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 | 22.94 | 22.94 | 22.94 | 22.94 | 22.93 | 22.93 | No | No | (No Data) | 18217.7 | 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 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) |
| 10361 | 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 | 7.4353 | Yes | Yes | 3.073 | 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 | 26.34 | 28.21 | 26.34 | 28.21 | 28.21 | 28.21 | No | No | (No Data) | 25250.71 | 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 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) |
| 10278 | 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% of amt prepd | (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) | -2099.01 | 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 Data) | No | (No Data) | (No Data) | Yes | 2100.00 | No | (No Data) | 1.0004 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10362 | 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 | 7.1444 | Yes | Yes | 2.715 | 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 | 39.69 | 38.56 | 39.69 | 38.56 | 38.56 | 38.56 | No | No | (No Data) | 20560.33 | 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 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) |
| 10279 | 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 | Yes | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9709 | No | No | 1.115 | 0.000 | No | 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 | 53.72 | 54.35 | 53.72 | 49.25 | 49.25 | 49.25 | Yes | Yes | Yes | 12200.5 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2 | Yes | 2 | 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) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 1 | 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 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> Verbal VOE with Income - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | Paystub - 2 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) |
| 10280 | 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 amt prepd | (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) | -1054.58 | 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 Data) | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 1.4223 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10281 | 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 amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | 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 | 27.72 | 0 | 27.72 | 27.72 | 27.72 | (No Data) | (No Data) | (No Data) | 26447.35 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months; | (No Data) | (No Data) | (No Data) |
| 10282 | 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 | Yes | 1 | 6.9782 | No | Yes | 3.498 | 3.498 | (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 | 35.66 | 47.85 | 35.66 | 47.85 | 47.85 | 47.85 | Yes | Yes | Yes | 6320.7 | 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 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) |
| 10283 | 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) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0392 | Yes | Yes | 1.427 | 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 | 38.58 | 37.27 | 38.58 | 37.27 | 37.27 | 37.27 | No | No | (No Data) | 31657.71 | 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 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) | 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 - 1 months; | (No Data) | (No Data) | (No Data) |
| 10054 | 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 | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.4798 | Yes | Yes | 3.223 | 0.000 | No | 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 | 17.21 | 17.5 | 17.21 | 17.5 | 17.5 | 17.5 | No | No | (No Data) | 22485.58 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 12 | 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) | 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 - 12 months; | Business Bank Statements - 12 months;<br> CPA Letter without Income - 12 months; | (No Data) | (No Data) |
| 10284 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | 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) | -2401.2 | 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 Data) | No | (No Data) | (No Data) | Yes | 2800.00 | No | (No Data) | 1.1660 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10285 | 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% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8749 | 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) | -4305.62 | 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 Data) | No | (No Data) | (No Data) | Yes | 2800.00 | No | (No Data) | 1.0824 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10286 | 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 | 7.5319 | No | No | 1.489 | 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 | No | No | (No Data) | 9507.93 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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 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) | Paystub - 1 months;<br> Personal Bank Statements - 12 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 10363 | 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 | 8.8913 | Yes | Yes | 2.134 | 0.000 | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 9.65 | 7.32 | 9.65 | 7.32 | 7.32 | 7.32 | No | No | (No Data) | 159792.31 | 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 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) |
| 10364 | 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% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | 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) | -2259.3 | 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 Data) | No | (No Data) | (No Data) | Yes | 1400.00 | No | (No Data) | 1.0291 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10287 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (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) | -4433.46 | 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 Data) | No | (No Data) | (No Data) | Yes | 4450.00 | No | (No Data) | 1.0037 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10288 | 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 | (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) | -3415.8 | 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 Data) | No | (No Data) | (No Data) | Yes | 3100.00 | No | (No Data) | 0.9075 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10289 | 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 | 8.4573 | No | No | 3.617 | 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 | 46.46 | 46.46 | 46.46 | 46.46 | 46.46 | 46.46 | No | No | (No Data) | 3095.7 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 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> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 10290 | 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 amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | 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) | -7892.14 | 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 Data) | No | (No Data) | (No Data) | Yes | 3150.00 | No | (No Data) | 0.7821 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10291 | 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 | 7.1766 | No | No | 1.424 | 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 | 48.98 | 49.16 | 48.98 | 49.16 | 49.16 | 49.16 | Yes | Yes | Yes | 12350.21 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 12 | 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) | 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 - 12 months; | Business Bank Statements - 12 months;<br> CPA Letter without Income - 12 months; | (No Data) | (No Data) |
| 10292 | 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 | 7.4138 | Yes | Yes | 1.568 | 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 | 28.31 | 28.31 | 28.31 | 28.31 | 28.31 | 28.31 | No | No | (No Data) | 20554.33 | 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 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) |
| 10427 | 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% of amt prepd | (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) | -3027.85 | 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 Data) | No | (No Data) | (No Data) | Yes | 4100.00 | No | (No Data) | 1.3540 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10293 | 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 | 5% of amt prepd | (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) | -1901.74 | 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 Data) | No | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 1.1568 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10294 | 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 | 7.3769 | No | No | 3.615 | 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 | 49.41 | 48.97 | 49.41 | 48.97 | 48.97 | 48.97 | No | No | (No Data) | 3854.16 | 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 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) |
| 10295 | 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 amt prepd | (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) | -2323.62 | 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 Data) | No | (No Data) | (No Data) | Yes | 2800.00 | No | (No Data) | 1.2050 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10296 | 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 | 7.2490 | Yes | Yes | 2.011 | 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 | 39.06 | 38.87 | 39.06 | 38.87 | 38.87 | 38.87 | No | No | (No Data) | 7997.27 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 10365 | 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 amt prepd | (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) | -2037.64 | 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 Data) | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.1778 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10366 | 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 | 2 Family | 2 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.8252 | No | No | 3.959 | 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 | 45.78 | 46.92 | 45.78 | 46.92 | 46.92 | 46.92 | No | No | (No Data) | 5638.23 | 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 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) |
| 10297 | 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 | Yes | 1 | 7.6015 | No | No | 2.805 | 2.805 | (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 | 46.48 | 45.48 | 46.48 | 45.48 | 45.48 | 45.48 | Yes | Yes | Yes | 7235.75 | 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 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) |
| 10298 | 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 | 7.0295 | Yes | Yes | 3.323 | 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 | 30.17 | 30.17 | 30.17 | 30.17 | 30.17 | 30.17 | No | No | (No Data) | 7079.72 | 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) | Yes | 24 | 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 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> Verbal VOE with Income - 24 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) | (No Data) |
| 10299 | 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 | (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) | -1061.53 | 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 Data) | No | (No Data) | (No Data) | Yes | 1600.00 | No | (No Data) | 1.5072 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10367 | 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 | (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) | -1554.11 | 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 Data) | No | (No Data) | (No Data) | Yes | 1650.00 | No | (No Data) | 1.0617 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10368 | 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 | 7.5844 | Yes | Yes | 1.935 | 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 | 25.15 | 24.85 | 25.15 | 24.85 | 24.85 | 24.85 | No | No | (No Data) | 28733.06 | 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 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) |
| 10300 | 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 | 6.9992 | Yes | Yes | 2.427 | 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 | 24.61 | 24.88 | 24.61 | 24.88 | 24.88 | 24.88 | No | No | (No Data) | 24847.29 | 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 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) |
| 10428 | 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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7490 | 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) | -4248.69 | 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 Data) | No | (No Data) | (No Data) | Yes | 3950.00 | No | (No Data) | 1.4438 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10429 | 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% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7500 | 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) | -4524.7 | 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 Data) | No | (No Data) | (No Data) | Yes | 5750.00 | No | (No Data) | 1.2708 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10301 | 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 | (No Data) | Yes | Yes | 1 | 6.2490 | 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) | -1789.49 | 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 Data) | No | (No Data) | (No Data) | Yes | 1400.00 | No | (No Data) | 1.4322 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10055 | 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 Data) | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | (No Data) | 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) | -2233.54 | 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 Data) | No | (No Data) | (No Data) | Yes | 2600.00 | No | (No Data) | 1.1640 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10302 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7500 | 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) | -3054.88 | 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 Data) | No | (No Data) | (No Data) | Yes | 3400.00 | No | (No Data) | 1.1129 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10430 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (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) | -1728.61 | 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 Data) | No | (No Data) | (No Data) | Yes | 1750.00 | No | (No Data) | 1.0123 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10303 | 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 amt prepd | (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) | -2379.68 | 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 Data) | No | (No Data) | (No Data) | Yes | 2600.00 | No | (No Data) | 1.0925 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10304 | 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 | 8.2988 | No | No | 1.857 | 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 | 49.06 | 49.06 | 49.06 | 49.06 | 49.06 | 49.06 | No | No | (No Data) | 4779.41 | 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 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) |
| 10305 | 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 | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | (No Data) | No | Yes | 1 | 6.3749 | No | No | 0.708 | (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) | -2475.26 | 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 Data) | No | (No Data) | (No Data) | Yes | 2550.00 | No | (No Data) | 1.0301 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10056 | 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 | 8.3026 | Yes | Yes | 2.04 | 0.000 | No | No | No | No | No | No | No | No | No | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 31.08 | 29.84 | 31.08 | 29.84 | 29.84 | 29.84 | No | No | (No Data) | 10409.95 | 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 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) |
| 10120 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | 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) | -1193.38 | 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 Data) | No | (No Data) | (No Data) | Yes | 1200.00 | No | (No Data) | 1.0055 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10306 | 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) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (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) | -3093.39 | 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 Data) | No | (No Data) | (No Data) | Yes | 2900.00 | No | (No Data) | 1.8692 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10307 | 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 amt prepd | (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) | -1587.19 | 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 Data) | No | (No Data) | (No Data) | Yes | 1700.00 | No | (No Data) | 1.0710 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10308 | 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 | 7.6091 | Yes | Yes | 3.433 | 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 | 23.13 | 23.13 | 23.13 | 23.13 | 23.13 | 23.13 | No | No | (No Data) | 9932.8 | 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 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) |
| 10431 | 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 amt prepd | (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) | -23249.85 | 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 Data) | No | (No Data) | (No Data) | Yes | 8000.00 | No | (No Data) | 1.0035 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10309 | 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 | 6.5985 | Yes | Yes | 2.247 | 0.000 | No | 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 | 39.33 | 39.33 | 39.33 | 39.33 | 39.33 | 39.33 | No | No | (No Data) | 8928.39 | 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 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) |
| 10369 | 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 amt prepd | (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) | -2157.55 | 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 Data) | No | (No Data) | (No Data) | Yes | 2900.00 | No | (No Data) | 2.1362 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10370 | 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% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6240 | 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) | -3992.81 | 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 Data) | No | (No Data) | (No Data) | Yes | 4000.00 | No | (No Data) | 1.0018 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10005 | 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 | 8.5438 | Yes | Yes | 4.866 | 4.866 | (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 | 28.95 | 28.94 | 28.95 | 28.94 | 28.94 | 28.94 | Yes | Yes | Yes | 11826.04 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months; | (No Data) | (No Data) | (No Data) |
| 10310 | 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% of amt prepd | (No Data) | Yes | Yes | 1 | 6.3750 | 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) | -1889.77 | 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 Data) | No | (No Data) | (No Data) | Yes | 3260.00 | No | (No Data) | 1.7250 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10371 | 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 | (No Data) | Yes | Yes | 1 | 7.8750 | 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 | 36.55 | 0 | 36.55 | 36.55 | 36.82 | (No Data) | (No Data) | (No Data) | 44302.41 | 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 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) |
| 10311 | 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 | Yes | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5516 | Yes | Yes | 0.357 | 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 | 35.78 | 34.96 | 35.78 | 30.8 | 30.8 | 30.8 | No | No | (No Data) | 31902.43 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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 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) | 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) | Paystub - 2 months;<br> W2 - 24 months; | Business Bank Statements - 12 months; | (No Data) | (No Data) |
| 10432 | 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% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | 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) | -4641.65 | 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 Data) | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.0550 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10372 | 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 | 7.0061 | No | No | 2.406 | 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 | 47.8 | 47.8 | 47.8 | 47.8 | 47.8 | 47.8 | Yes | Yes | Yes | 2404.22 | 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 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) |
| 10373 | 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 | 6.6606 | Yes | Yes | 1.614 | 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 | 30.15 | 28.68 | 30.15 | 28.68 | 28.68 | 28.68 | No | No | (No Data) | 43467.81 | 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 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) |
| 10433 | 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 amt prepd | (No Data) | Yes | Yes | 1 | 6.5000 | 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) | -2180.42 | 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 Data) | No | (No Data) | (No Data) | Yes | 1960.00 | No | (No Data) | 0.8989 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10374 | 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 | 7.3722 | Yes | Yes | 2.408 | 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 | 31.46 | 31.46 | 31.46 | 31.46 | 31.46 | 31.46 | No | No | (No Data) | 10153.75 | 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 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) |
| 10434 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | 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) | -3484.85 | 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 Data) | No | (No Data) | (No Data) | Yes | 2600.00 | No | (No Data) | 0.7460 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10375 | 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 | 6.4024 | Yes | Yes | 1.595 | 1.595 | (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 | 24.47 | 23.74 | 23.64 | 23.74 | 23.74 | 23.74 | Yes | Yes | Yes | 76981.83 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months; | (No Data) | (No Data) | (No Data) |
| 10312 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.2499 | 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) | -7266.77 | 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 Data) | No | (No Data) | (No Data) | Yes | 6800.00 | 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) |
| 10313 | 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 | 7.2586 | Yes | Yes | 2.48 | 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 | 34.81 | 34.68 | 34.81 | 34.68 | 34.68 | 34.68 | No | No | (No Data) | 9154.79 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months; | (No Data) | (No Data) | (No Data) |
| 10314 | 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 amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | 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 | 36.7 | 0 | 36.7 | 36.7 | 36.7 | (No Data) | (No Data) | (No Data) | 8758.27 | 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 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) |
| 10315 | 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 | 8.0544 | Yes | Yes | 1.597 | 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 | 12.45 | 10.5 | 12.45 | 10.5 | 10.5 | 10.5 | No | No | (No Data) | 115381.97 | 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 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) |
| 10057 | 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 | 10.1420 | No | No | 3.053 | 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 | 46.68 | 46.68 | 46.68 | 46.68 | 46.68 | 46.68 | No | No | (No Data) | 5676.15 | 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 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) |
| 10376 | 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 | 6.9075 | Yes | Yes | 2.828 | 0.000 | No | 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 | 42.08 | 39.29 | 42.08 | 39.29 | 39.29 | 39.29 | No | No | (No Data) | 11875.58 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2 | Yes | 2 | 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) | Yes | 24 | 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 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 - 24 months; | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) |
| 10316 | 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 | (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) | -1367.95 | 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 Data) | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 1.6813 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10377 | 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 | 7.5528 | Yes | Yes | 1.668 | 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 | 20.61 | 19.42 | 20.61 | 19.42 | 19.42 | 19.42 | No | No | (No Data) | 10355.76 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months; | (No Data) | (No Data) | (No Data) |
| 10139 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7499 | 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) | -2958.76 | 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 | (No Data) | (No Data) | Yes | 3250.00 | No | (No Data) | 1.0984 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10435 | 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 amt prepd | (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) | -2598.1 | 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 Data) | No | (No Data) | (No Data) | Yes | 2699.00 | No | (No Data) | 1.0388 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10378 | 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 | 7.6794 | Yes | Yes | 1.743 | 0.000 | (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 | 14.76 | 14.7 | 14.76 | 14.7 | 14.7 | 14.7 | No | No | (No Data) | 54834.7 | 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 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) |
| 10058 | 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 | 6.5000 | 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) | -1785.26 | 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 Data) | No | (No Data) | (No Data) | Yes | 2100.00 | No | (No Data) | 1.1762 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10317 | 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) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3750 | 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) | -1444.96 | 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 Data) | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 1.0380 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10318 | 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) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.3750 | 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) | -1396.19 | 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 Data) | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 1.0743 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10379 | 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) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | 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) | -4239.36 | 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 Data) | No | (No Data) | (No Data) | Yes | 4800.00 | No | (No Data) | 1.1322 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10319 | 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) | Yes | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5001 | 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) | -2381.33 | 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 Data) | No | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 1.2598 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10320 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | 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) | -3971.4 | 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 Data) | No | (No Data) | (No Data) | Yes | 1270.00 | No | (No Data) | 1.0749 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10059 | 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 | 7.8215 | Yes | Yes | 3.008 | 3.008 | (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 | 17.73 | 17.46 | 17.73 | 17.46 | 17.46 | 17.46 | Yes | Yes | Yes | 26107.61 | 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 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) |
| 10380 | 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 | 8.7166 | Yes | Yes | 3.063 | 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 | 25.33 | 26.86 | 25.33 | 26.86 | 26.86 | 26.86 | Yes | No | (No Data) | 18018.4 | 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 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) |
| 10060 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | Yes | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.0124 | Yes | Yes | 1.52 | 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 | 24.52 | 23.53 | 24.52 | 23.53 | 23.53 | 23.53 | Yes | Yes | Yes | 67071.66 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months; | (No Data) | (No Data) | (No Data) |
| 10714 | 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) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | 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) | -2316.68 | 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 | (No Data) | (No Data) | Yes | 3400.00 | No | (No Data) | 1.4676 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10061 | 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 Data) | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | (No Data) | 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 | 12.3 | 0 | 12.3 | 12.3 | 12.3 | (No Data) | (No Data) | (No Data) | 62164.4 | 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 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) |
| 10381 | 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) | Yes | No | 1 | 6.9806 | Yes | Yes | 4.946 | 4.946 | (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 | 39.35 | 39.35 | 39.35 | 39.35 | 39.35 | 39.35 | Yes | Yes | Yes | 3726 | 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 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) |
| 10382 | 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 | Yes | Yes | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.0142 | No | No | 3.62 | 3.620 | (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 | 48.89 | 49.92 | 48.89 | 47.12 | 47.12 | 47.12 | Yes | Yes | Yes | 3469.1 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months; | (No Data) | (No Data) | (No Data) |
| 10062 | 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% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | 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 | 11.85 | 0 | 11.85 | 11.85 | 11.85 | (No Data) | (No Data) | (No Data) | 65385.85 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 12 | 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) | 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 - 12 months; | Business Bank Statements - 12 months;<br> CPA Letter without Income - 12 months; | (No Data) | (No Data) |
| 10436 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (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) | -3556.43 | 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 Data) | No | (No Data) | (No Data) | Yes | 2100.00 | No | (No Data) | 0.7588 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10063 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 10.3750 | 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) | -4564.24 | 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 Data) | No | (No Data) | (No Data) | Yes | 3450.00 | No | (No Data) | 0.7558 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10121 | 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 | 8.6350 | No | No | 3.604 | 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 | 46.91 | 46.91 | 46.91 | 46.91 | 46.91 | 46.91 | Yes | Yes | Yes | 2932 | 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) | Yes | 28 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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 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;<br> Written VOE - 28 months; | (No Data) | (No Data) | (No Data) |
| 10383 | 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) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | 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) | -13373.24 | 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 Data) | No | (No Data) | (No Data) | Yes | 3900.00 | No | (No Data) | 1.0270 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10384 | 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 | 7.3893 | Yes | Yes | 4.944 | 0.000 | No | 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 | 23.24 | 23.24 | 23.24 | 23.24 | 23.24 | 23.24 | No | No | (No Data) | 10031.23 | 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 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) |
| 10385 | 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 | 7.2378 | Yes | Yes | 2.356 | 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 | 26.5 | 28.18 | 26.5 | 28.18 | 28.18 | 28.18 | Yes | Yes | Yes | 13487.46 | 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 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) |
| 10437 | 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% of amt prepd | (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) | -2193.64 | 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 Data) | No | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 1.0028 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10039 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.0000 | 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 | 41.51 | 0 | 41.51 | 41.51 | 41.51 | (No Data) | (No Data) | (No Data) | 19037.38 | 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) | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 Data) | Business Tax Return - 12 months;<br> CPA Letter without Income - 12 months; | Business Bank Statements - 12 months; | (No Data) |
| 10386 | 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 | 7.6502 | Yes | Yes | 3.732 | 3.732 | (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 | 34.9 | 34.9 | 34.9 | 34.9 | 34.9 | 34.9 | Yes | Yes | Yes | 5822.68 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5 | 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 | 2 | 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 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) | 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) | Paystub - 5 months;<br> Verbal VOE with Income - 2 months;<br> W2 - 24 months;<br> Written VOE - 30 months; | Business Bank Statements - 12 months; | (No Data) | (No Data) |
| 10387 | 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 | Cashout Refi | Yes | Yes | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.1675 | Yes | Yes | 3.414 | 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 | 35.6 | 36.11 | 35.6 | 33.55 | 33.55 | 33.55 | No | No | (No Data) | 8923.34 | 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 | 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 | 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 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 | 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) | Award Letter - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 10064 | 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 | 8.5660 | Yes | Yes | 0.516 | 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 | 26.17 | 26.17 | 26.17 | 26.17 | 26.17 | 26.17 | Yes | Yes | Yes | 10127.53 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months; | (No Data) | (No Data) | (No Data) |
| 10065 | 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 | 9.1508 | Yes | Yes | 2.323 | 2.323 | (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 | 41.43 | 41.08 | 41.08 | 41.08 | 41.08 | 41.08 | Yes | Yes | Yes | 11465.28 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5 | 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 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 | 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) | Paystub - 5 months;<br> W2 - 24 months; | Award Letter - 12 months; | (No Data) | (No Data) |
| 10438 | 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 amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | 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 | 37.52 | 0 | 37.52 | 37.52 | 37.52 | (No Data) | (No Data) | (No Data) | 14605.17 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | 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) | 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 Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 12 months; | Business Bank Statements - 12 months;<br> CPA Letter without Income - 12 months; | (No Data) |
| 10388 | 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 | No | 1 | 7.8023 | Yes | Yes | 1.571 | 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 | 36.76 | 36.76 | 36.76 | 36.76 | 36.76 | 36.76 | No | No | (No Data) | 18227.57 | 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 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) |
| 10389 | 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 | 6.6939 | Yes | Yes | 1.942 | 1.942 | (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 | 24.73 | 24.57 | 24.73 | 24.57 | 24.57 | 24.57 | Yes | Yes | Yes | 16672.41 | 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 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) |
| 10390 | 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 | No | 1 | 8.9622 | Yes | Yes | 3.9 | 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 | 42.62 | 42.62 | 42.62 | 42.62 | 42.62 | 42.62 | No | No | (No Data) | 3633.59 | 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 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) |
| 10391 | 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) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7757 | Yes | Yes | 2.567 | 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 | 30.78 | 30.78 | 30.78 | 30.78 | 30.78 | 30.78 | No | No | (No Data) | 6707.57 | 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 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) |
| 10439 | 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) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | 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) | -3704.66 | 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 Data) | No | (No Data) | (No Data) | Yes | 4800.00 | No | (No Data) | 1.2956 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10440 | 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% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8749 | 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) | -2876.72 | 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 Data) | No | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 0.7647 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10392 | 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 | Yes | 1 | 6.8893 | No | No | 1.203 | 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 | 46.91 | 48.83 | 46.91 | 48.83 | 48.83 | 48.83 | No | No | (No Data) | 9126.93 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 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;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 10441 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.0000 | 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) | -3464.92 | 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 Data) | No | (No Data) | (No Data) | Yes | 3200.00 | No | (No Data) | 0.9235 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10066 | 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 amt prepd | (No Data) | Yes | Yes | 1 | 6.3750 | 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) | -1996.81 | 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 Data) | No | (No Data) | (No Data) | Yes | 2380.00 | No | (No Data) | 1.1919 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10140 | 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% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | 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) | -1843.08 | 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 | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 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/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 10393 | 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) | Yes | No | 1 | 7.8439 | Yes | Yes | 3.048 | 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 | 21.7 | 21.71 | 21.7 | 21.71 | 21.71 | 21.71 | No | No | (No Data) | 8654.23 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months; | (No Data) | (No Data) | (No Data) |
| 10040 | 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% of amt prepd | (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) | -4808.64 | 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 Data) | No | (No Data) | (No Data) | Yes | 3000.00 | 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; | (No Data) | (No Data) | (No Data) |
| 10067 | 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 | 7.6621 | Yes | No | 2.476 | 0.000 | No | 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 | 43.84 | 41.29 | 43.84 | 41.29 | 41.29 | 41.29 | No | No | (No Data) | 3428.69 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months; | (No Data) | (No Data) | (No Data) |
| 10068 | 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 | No | 1 | 8.0637 | Yes | Yes | 1.73 | 1.730 | (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 | 19.3 | 19.3 | 19.3 | 19.3 | 19.3 | 19.3 | Yes | Yes | Yes | 30056.32 | 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 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) |
| 10141 | 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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | 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) | -986.83 | 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 | (No Data) | (No Data) | No | (No Data) | Yes | 2800.00 | 2.8373 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10069 | 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) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | 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) | -8599.96 | 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 Data) | No | (No Data) | (No Data) | Yes | 4240.00 | No | (No Data) | 1.0616 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10070 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6251 | 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 | 53.06 | 0 | 53.06 | 53.06 | 53.06 | (No Data) | (No Data) | (No Data) | 10855.03 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1 | Yes | 1 | 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) | 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 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;<br> Paystub - 1 months;<br> W2 - 12 months; | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 10006 | 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 | 7.4603 | Yes | Yes | 3.394 | 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 | 35.72 | 39.92 | 35.72 | 39.92 | 39.92 | 39.92 | No | No | (No Data) | 5328.37 | 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 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) |
| 10394 | 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) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (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) | -3103.94 | 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 Data) | No | (No Data) | (No Data) | Yes | 3900.00 | No | (No Data) | 1.2564 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10395 | 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 | 7.1205 | Yes | Yes | 2.292 | 2.292 | (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 | 35.27 | 35.27 | 35.27 | 35.27 | 35.27 | 35.27 | Yes | Yes | Yes | 14990.9 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 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) | 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 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) | 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 | 24 | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | Business Bank Statements - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 10396 | 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 | 8.6233 | No | No | 2.191 | 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 | 47.13 | 46.92 | 47.13 | 46.92 | 46.92 | 46.92 | No | No | (No Data) | 4191.12 | 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 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 | 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) | Award Letter - 24 months; | Award Letter - 24 months; | (No Data) | (No Data) |
| 10041 | 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 | 9.0048 | Yes | Yes | 2.162 | 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 | 30.76 | 30.76 | 30.76 | 30.76 | 30.76 | 30.76 | No | No | (No Data) | 39033.44 | 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 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) |
| 10397 | 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 | 9.3985 | Yes | Yes | 2.376 | 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 | 13.22 | 12.78 | 13.22 | 12.78 | 12.78 | 12.78 | No | No | (No Data) | 53614.13 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months; | (No Data) | (No Data) | (No Data) |
| 10071 | 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 | 8.7790 | No | No | 1.292 | 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 | 47.42 | 47.42 | 47.42 | 47.42 | 47.42 | 47.42 | No | No | (No Data) | 9245.73 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months; | (No Data) | (No Data) | (No Data) |
| 10398 | 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% of amt prepd | (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) | -1581.45 | 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 Data) | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 1.1381 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10399 | 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% of amt prepd | (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) | -2239.87 | 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 Data) | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.0714 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10442 | 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 | Yes | 5% of amt prepd | (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) | -3865.43 | 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 Data) | No | (No Data) | (No Data) | Yes | 3900.00 | No | (No Data) | 1.0089 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10007 | 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 | 7.6347 | Yes | Yes | 4.839 | 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 | 14.3 | 14.3 | 14.3 | 14.3 | 14.3 | 14.3 | Yes | Yes | Yes | 26487.07 | 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 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) |
| 10072 | 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% of amt prepd | (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) | -2204.83 | 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 Data) | No | (No Data) | (No Data) | Yes | 2225.00 | No | (No Data) | 1.0091 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10073 | 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 amt prepd | (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) | -1615.21 | 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 Data) | No | (No Data) | (No Data) | Yes | 2050.00 | No | (No Data) | 1.0160 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10400 | 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 | 6.6126 | Yes | Yes | 0 | 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 | 6.63 | 4.37 | 6.63 | 4.37 | 4.37 | 4.37 | No | No | (No Data) | 122871.43 | 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 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) |
| 10401 | 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 | 8.1371 | No | No | 2.636 | 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 | 49.04 | 46.95 | 49.04 | 46.95 | 46.95 | 46.95 | No | No | (No Data) | 4509.28 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months; | (No Data) | (No Data) | (No Data) |
| 10074 | 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) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (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) | -3081.33 | 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 Data) | No | (No Data) | (No Data) | Yes | 4260.00 | 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) |
| 10402 | 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 | 6.8745 | Yes | Yes | 2.173 | 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 | 38.21 | 38.21 | 38.21 | 38.21 | 38.21 | 38.21 | Yes | Yes | Yes | 15465.71 | 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 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) |
| 10075 | 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 | (No Data) | Yes | Yes | 1 | 7.2500 | 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) | -4152.26 | 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 Data) | No | (No Data) | (No Data) | Yes | 2150.00 | No | (No Data) | 1.0605 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10403 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (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) | -3895.47 | 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 Data) | No | (No Data) | (No Data) | Yes | 2600.00 | No | (No Data) | 1.0166 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10404 | 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 | 6.4879 | No | No | 0 | 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 | 46.77 | 48.88 | 46.77 | 48.88 | 48.88 | 48.88 | No | No | (No Data) | 6334.46 | 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 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) |
| 10405 | 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% of amt prepd | (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) | -1146.97 | 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 Data) | No | (No Data) | (No Data) | Yes | 1450.00 | No | (No Data) | 1.2642 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10142 | 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% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | 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) | -1623.08 | 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 | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 1.8483 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10042 | 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 | Yes | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8616 | No | No | 2.725 | 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 | 52.55 | 50 | 49.7 | 49.7 | 49.7 | No | No | (No Data) | 22828.65 | 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) | Yes | 30 | 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 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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> P & L - 30 months; | (No Data) | (No Data) | (No Data) |
| 10008 | 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 | 9.0481 | Yes | Yes | 2.553 | 2.553 | (No Data) | (No Data) | No | No | No | No | No | No | No | No | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 33.32 | 30.37 | 33.32 | 30.37 | 30.37 | 30.37 | Yes | Yes | Yes | 10966.87 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | Yes | 12 | 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 | (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 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 - 4 months;<br> Personal Tax Return - 12 months;<br> Verbal VOE with Income - 5 months; | (No Data) | (No Data) | (No Data) |
| 10076 | 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% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | 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 | 22.57 | 0 | 22.57 | 22.57 | 22.57 | (No Data) | (No Data) | (No Data) | 16750.32 | 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) | 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 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) | Personal Tax Return - 24 months;<br> W2 - 1 months; | (No Data) | (No Data) | (No Data) |
| 10443 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.4991 | 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) | -1871.92 | 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 Data) | No | (No Data) | (No Data) | Yes | 1900.00 | No | (No Data) | 1.0150 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10406 | 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 amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | 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) | -2633.59 | 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 Data) | No | (No Data) | (No Data) | Yes | 2750.00 | No | (No Data) | 1.0442 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10407 | 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% of amt prepd | (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) | -1258.69 | 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 Data) | No | (No Data) | (No Data) | Yes | 1700.00 | No | (No Data) | 1.3506 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10408 | 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% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | 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) | -1512.35 | 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 Data) | No | (No Data) | (No Data) | Yes | 1550.00 | No | (No Data) | 1.0248 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10113 | 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 | 7.5559 | Yes | Yes | 0.512 | 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 | 25.56 | 24.1 | 25.26 | 24.1 | 24.1 | 24.1 | Yes | Yes | Yes | 44459.04 | 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 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 | 26 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 26 months; | (No Data) | (No Data) | (No Data) |
| 10444 | 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% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | 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) | -2411.65 | 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 Data) | No | (No Data) | (No Data) | Yes | 1875.00 | No | (No Data) | 0.7774 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10445 | 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% of amt prepd | (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) | -3041.35 | 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 Data) | No | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 0.9864 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10114 | 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 | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1266 | Yes | Yes | 2.383 | 2.383 | (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 | 34.34 | 34.21 | 33.34 | 34.21 | 34.21 | 34.21 | Yes | Yes | Yes | 9271.13 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months; | (No Data) | (No Data) | (No Data) |
| 10077 | 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 | 8.0974 | Yes | Yes | 1.834 | 1.834 | (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 | 21.21 | 21.21 | 21.21 | 21.21 | 21.21 | 21.21 | Yes | Yes | Yes | 24941.23 | 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 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) |
| 10446 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.6239 | 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) | -4989.05 | 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 Data) | No | (No Data) | (No Data) | Yes | 5000.00 | 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) |
| 10447 | 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% of amt prepd | (No Data) | Yes | Yes | 1 | 7.4990 | 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) | -7885.19 | 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 Data) | No | (No Data) | (No Data) | Yes | 6000.00 | No | (No Data) | 0.7609 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10448 | 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) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (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) | -4026.89 | 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 Data) | No | (No Data) | (No Data) | Yes | 3800.00 | No | (No Data) | 0.9436 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10043 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9990 | 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) | -644.63 | 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 Data) | No | (No Data) | (No Data) | Yes | 1640.00 | No | (No Data) | 0.9899 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10409 | 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 | 7.9995 | Yes | Yes | 2.255 | 0.000 | No | 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 | 17.21 | 16.93 | 17.21 | 16.93 | 16.93 | 16.93 | No | No | (No Data) | 39207.11 | 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 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) |
| 10078 | 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 | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.1917 | Yes | Yes | 3.013 | 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 | 39.02 | 39.48 | 39.02 | 39.48 | 39.48 | 39.48 | Yes | Yes | Yes | 8051.51 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months; | (No Data) | (No Data) | (No Data) |
| 10079 | 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 amt prepd | (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) | -2133.94 | 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 Data) | No | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 1.0309 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10080 | 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 | 9.1659 | Yes | Yes | 3.338 | 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 | 28.51 | 27.27 | 28.51 | 27.27 | 27.27 | 27.27 | Yes | Yes | Yes | 10870.34 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months; | (No Data) | (No Data) | (No Data) |
| 10081 | 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 mos interest on amt prepd | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 3.49 | (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) | -3456.71 | 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 Data) | No | (No Data) | (No Data) | Yes | 3800.00 | No | (No Data) | 1.0993 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10410 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3750 | 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) | -2133.61 | 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 Data) | No | (No Data) | (No Data) | Yes | 1650.00 | No | (No Data) | 0.7733 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10411 | 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 | (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) | -1439.54 | 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 Data) | No | (No Data) | (No Data) | Yes | 1450.00 | No | (No Data) | 1.0072 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10412 | 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) | Yes | No | 1 | 6.8322 | Yes | Yes | 3.186 | 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 | 14.55 | 14.55 | 14.55 | 14.55 | 14.55 | 14.55 | No | No | (No Data) | 7542.94 | 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 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) |
| 10009 | 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 | 8.5745 | Yes | Yes | 2.668 | 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 | 33.19 | 32.83 | 33.19 | 32.83 | 32.83 | 32.83 | No | No | (No Data) | 9269.45 | 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 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) |
| 10082 | 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 | 6.8065 | Yes | Yes | 1.722 | 1.722 | (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 | 37.52 | 37.35 | 37.52 | 37.35 | 37.35 | 37.35 | Yes | Yes | Yes | 22256.8 | 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) | 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 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) | Business Tax Return - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 10413 | 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 | Yes | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.5580 | Yes | Yes | 2.16 | 0.000 | No | 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 | 41.89 | 41.07 | 41.89 | 37.84 | 37.84 | 39.3 | No | No | (No Data) | 29802.19 | 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 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) | 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 - 1 months; | (No Data) | (No Data) | (No Data) |
| 10414 | 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 | 9.5588 | No | No | 2.475 | 2.475 | (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 | 47.51 | 45.77 | 47.51 | 45.77 | 45.77 | 45.77 | Yes | Yes | Yes | 11861.9 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months; | (No Data) | (No Data) | (No Data) |
| 10415 | 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 | 8.0597 | Yes | Yes | 2.816 | 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 | 41.84 | 41.84 | 41.84 | 41.84 | 41.84 | 41.84 | Yes | Yes | Yes | 12286.39 | 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 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) |
| 10083 | 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 | 2 Family | 2 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.9071 | Yes | Yes | 2.288 | 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 | 21.01 | 21.67 | 21.01 | 21.67 | 21.67 | 21.67 | No | No | (No Data) | 29520.26 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months; | (No Data) | (No Data) | (No Data) |
| 10084 | 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 | (No Data) | Yes | Yes | 1 | 6.8749 | 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) | -4654.85 | 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 Data) | No | (No Data) | (No Data) | Yes | 3250.00 | No | (No Data) | 1.0071 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10044 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.4990 | 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) | -3969.99 | 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 Data) | No | (No Data) | (No Data) | Yes | 3950.00 | No | (No Data) | 0.9950 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10045 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.4990 | 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) | -8880.56 | 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 Data) | No | (No Data) | (No Data) | Yes | 4000.00 | No | (No Data) | 0.9953 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10416 | 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 | 7.6097 | Yes | Yes | 1.934 | 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 | 20.24 | 20.24 | 20.24 | 20.24 | 20.24 | 20.24 | No | No | (No Data) | 18081.3 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months; | (No Data) | (No Data) | (No Data) |
| 10085 | 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% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | 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) | -2693.41 | 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 Data) | No | (No Data) | (No Data) | Yes | 2800.00 | No | (No Data) | 1.0395 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10122 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5001 | 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) | -2487.01 | 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 Data) | No | (No Data) | (No Data) | Yes | 2800.00 | No | (No Data) | 1.1258 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10417 | 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 | 7.3579 | No | No | 3.567 | 3.567 | (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 | 45.95 | 46.55 | 45.95 | 46.55 | 46.55 | 46.55 | Yes | Yes | Yes | 4378.1 | 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 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) |
| 10086 | 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 | (No Data) | Yes | Yes | 1 | 7.2500 | 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) | -11805.88 | 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 Data) | No | (No Data) | (No Data) | Yes | 6000.00 | No | (No Data) | 1.1919 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10087 | 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 | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.6310 | Yes | Yes | 4.294 | 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 | 30.55 | 31 | 30.55 | 30.55 | 30.55 | Yes | Yes | Yes | 4965.29 | 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 | 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 | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months;<br> Paystub - 3 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| 10088 | 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 | 8.3384 | Yes | Yes | 3.1 | 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 | 33 | 33 | 33 | 33 | 33 | No | No | (No Data) | 12582.05 | 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 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) |
| 10089 | 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 | Yes | Yes | No | No | Yes | 5 mos interest on amt prepd | (No Data) | Yes | Yes | 1 | 7.8750 | No | No | 3.281 | (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) | -3726.21 | 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 Data) | No | (No Data) | (No Data) | Yes | 3550.00 | No | (No Data) | 0.9527 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10003 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Second Home | 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 | 7.7070 | Yes | Yes | 2.209 | 2.209 | (No Data) | (No Data) | No | No | No | No | No | No | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 30.63 | 30.86 | 30.86 | 30.86 | 30.86 | 30.86 | No | No | (No Data) | 25801.99 | 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 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) |
| 10090 | 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 | 5% of amt prepd | (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) | -2679.5 | 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 Data) | No | (No Data) | (No Data) | Yes | 1350.00 | No | (No Data) | 1.0154 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10143 | 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) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7490 | 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) | -1375.2 | 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 | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.4543 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10091 | 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% of amt prepd | (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) | -1794.36 | 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 Data) | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 1.0031 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10092 | 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 amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | 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) | -2216.87 | 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 Data) | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.0826 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10010 | 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% of amt prepd | (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) | -2461.72 | 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 Data) | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 0.9749 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10093 | 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 | 9.1635 | Yes | Yes | 2.718 | 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 | 17.33 | 17.17 | 17.33 | 17.17 | 17.17 | 17.17 | Yes | Yes | Yes | 18937.38 | 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 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) |
| 10094 | 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 amt prepd | (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) | -3170.43 | 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 Data) | No | (No Data) | (No Data) | Yes | 3200.00 | No | (No Data) | 1.0093 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10001 | 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 amt prepd | (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) | -1024.68 | 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 Data) | No | (No Data) | (No Data) | Yes | 1050.00 | No | (No Data) | 1.0251 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10095 | 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 amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | 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) | -1717.65 | 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 Data) | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.1643 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10418 | 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 | 7.9720 | Yes | Yes | 2.134 | 2.134 | (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 | 20.81 | 20.8 | 20.8 | 20.8 | 20.8 | 20.8 | Yes | Yes | Yes | 75524.29 | 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) | 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 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) | Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 10116 | 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 | Yes | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.0837 | No | No | 2.176 | 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 | 47.17 | 48.37 | 47.17 | 46.45 | 46.45 | 46.45 | No | No | (No Data) | 7569.14 | 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 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) |
| 10123 | 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 | 5% of amt prepd | (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) | -1938.8 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 2300.00 | 1.1863 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10011 | 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% of amt prepd | (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) | -3416.58 | 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 Data) | No | (No Data) | (No Data) | Yes | 3600.00 | No | (No Data) | 1.0536 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10144 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8749 | 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) | -1205.25 | 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 | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 1.4934 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10117 | 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% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | 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) | -1391.87 | 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 Data) | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.4369 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10419 | 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 | 7.7832 | Yes | Yes | 2.409 | 2.409 | (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 | 32.1 | 32.1 | 32.1 | 32.1 | 32.1 | 32.1 | Yes | Yes | Yes | 9671.86 | 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 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) |
| 10012 | 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 amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | 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) | -1989.65 | 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 Data) | No | (No Data) | (No Data) | Yes | 3350.00 | No | (No Data) | 1.6837 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10046 | 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 | 9.8712 | No | No | 2.635 | 2.640 | (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 | 49.47 | 48.38 | 49.47 | 48.38 | 48.38 | 48.38 | Yes | Yes | Yes | 2761.67 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 60 | 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 | 7 | 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 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 - 60 months;<br> Verbal VOE with Income - 7 months;<br> W2 - 24 months;<br> Written VOE - 36 months; | (No Data) | (No Data) | (No Data) |
| 10013 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.3689 | Yes | Yes | 3.96 | 3.960 | (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 | 39.34 | 38.99 | 38.99 | 38.99 | 38.99 | 38.99 | No | No | (No Data) | 37886.83 | 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 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) | 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 - 1 months; | (No Data) | (No Data) | (No Data) |
| 10096 | 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 | Yes | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.2607 | Yes | Yes | 2.332 | 2.332 | (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 | 28.62 | 29.12 | 28.62 | 28.52 | 28.52 | 28.52 | Yes | Yes | Yes | 36716.55 | 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 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) |
| 10097 | 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% of amt prepd | (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) | -2156.59 | 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 Data) | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.1128 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10124 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | 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) | -1749.25 | 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 Data) | No | (No Data) | (No Data) | Yes | 1850.00 | No | (No Data) | 1.0576 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10098 | 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) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.8875 | Yes | Yes | 2.426 | 0.000 | (No Data) | (No Data) | No | No | No | No | Yes | No | No | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 31.08 | 34.51 | 31.08 | 34.51 | 34.51 | 34.51 | No | No | (No Data) | 23551.53 | 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) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | (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) | Lease Agreement - 1 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 10099 | 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% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | 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) | -3645.44 | 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 Data) | No | (No Data) | (No Data) | Yes | 1650.00 | No | (No Data) | 1.0866 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10100 | 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) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6251 | 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) | -3573.4 | 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 Data) | No | (No Data) | (No Data) | Yes | 4200.00 | No | (No Data) | 1.1753 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10014 | 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 | 7.7440 | No | No | 2.133 | 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 | 44.73 | 44.73 | 44.73 | 44.73 | 44.73 | 44.73 | No | No | (No Data) | 3481.84 | 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 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) |
| 10787 | 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 | (No Data) | Yes | Yes | 1 | 7.9990 | 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) | -1103.77 | 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 Data) | No | (No Data) | (No Data) | Yes | 1400.00 | No | (No Data) | 1.2683 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10047 | 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% of amt prepd | (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) | -5050.74 | 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 Data) | No | (No Data) | (No Data) | Yes | 5180.00 | No | (No Data) | 1.0255 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10048 | 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% of amt prepd | (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) | -1704.02 | 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 Data) | No | (No Data) | (No Data) | Yes | 1700.00 | No | (No Data) | 0.9976 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10101 | 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 | No | 1 | 7.2421 | Yes | Yes | 1.401 | 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 | 37.74 | 37.64 | 37.74 | 35.68 | 35.68 | 36.58 | No | No | (No Data) | 30389.13 | 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 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) |
| 10145 | 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) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (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) | -2387.75 | 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 Data) | No | (No Data) | (No Data) | Yes | 4150.00 | No | (No Data) | 1.7380 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10102 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7500 | 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) | -3809.48 | 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 Data) | No | (No Data) | (No Data) | Yes | 3450.00 | No | (No Data) | 0.9056 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10146 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8750 | 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) | -3149.76 | 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 | (No Data) | (No Data) | Yes | 3150.00 | No | (No Data) | 1.0000 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10103 | 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 | No | 1 | 7.2751 | Yes | Yes | 1.676 | 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 | 26.65 | 26.36 | 26.65 | 24.94 | 24.94 | 24.94 | No | No | (No Data) | 63587.73 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 12 | 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) | Yes | 13 | 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 - 13 months;<br> CPA Letter without Income - 12 months; | Business Bank Statements - 12 months;<br> CPA Letter without Income - 12 months; | (No Data) | (No Data) |
| 10147 | 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 amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | 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) | -2165.91 | 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 Data) | No | (No Data) | (No Data) | Yes | 2450.00 | No | (No Data) | 1.1311 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10148 | 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 | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.6583 | No | No | 3.811 | 3.811 | (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 | 44.39 | 44.39 | 44.39 | No | No | (No Data) | 2175.97 | 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 | (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) |
| 10104 | 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 | 7.9230 | Yes | Yes | 2.696 | 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 | 21.78 | 21.78 | 21.78 | 21.78 | 21.78 | 21.78 | Yes | Yes | Yes | 13949.59 | 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 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) | 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 with Income - 12 months; | (No Data) | (No Data) | (No Data) |
| 10149 | 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 | (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) | -1086.15 | 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 | (No Data) | (No Data) | Yes | 1450.00 | No | (No Data) | 1.3349 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10769 | 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 amt prepd | (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) | -3626.46 | 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 | (No Data) | (No Data) | Yes | 4025.00 | No | (No Data) | 1.1098 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10105 | 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% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | 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 | 15.5 | 0 | 15.5 | 15.5 | 15.5 | (No Data) | (No Data) | (No Data) | 59863.21 | 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 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) |
| 10049 | 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 | 8.3652 | No | No | 1.955 | 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 | 49.37 | 47.85 | 49.37 | 47.85 | 47.85 | 47.85 | No | No | (No Data) | 16789.27 | 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 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) | 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 - 1 months; | (No Data) | (No Data) | (No Data) |
| 10106 | 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 | (No Data) | Yes | Yes | 1 | 8.1250 | 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 | 38.07 | 0 | 38.07 | 38.06 | 38.06 | (No Data) | (No Data) | (No Data) | 14122.43 | 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 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) |
| 10015 | 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 amt prepd | (No Data) | Yes | Yes | 1 | 6.8740 | 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) | -2291.96 | 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 Data) | No | (No Data) | (No Data) | Yes | 2400.00 | 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) |
| 10107 | 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% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | 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) | -1183.2 | 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 Data) | No | (No Data) | (No Data) | Yes | 1350.00 | No | (No Data) | 1.1409 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10125 | 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 | (No Data) | Yes | Yes | 1 | 7.6251 | 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) | -1096.58 | 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 Data) | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 1.3679 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10150 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.4005 | Yes | Yes | 1.312 | 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 | 4.21 | 4.2 | 4.21 | 4.2 | 4.2 | 4.2 | No | No | (No Data) | 163610.21 | 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 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) |
| 10004 | 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 | 7.2684 | No | Yes | 4.379 | 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 | 42.93 | 43.44 | 42.93 | 43.44 | 43.44 | 43.44 | Yes | Yes | Yes | 2637.97 | 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) | Yes | 31 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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 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 - 31 months; | (No Data) | (No Data) | (No Data) |
| 10118 | 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% of amt prepd | (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) | -989.05 | 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 Data) | No | (No Data) | (No Data) | Yes | 1600.00 | No | (No Data) | 1.6177 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10016 | 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% of amt prepd | (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) | -1839.23 | 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 Data) | No | (No Data) | (No Data) | Yes | 2100.00 | 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) |
| 10050 | 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 | 6.9696 | Yes | Yes | 0.589 | 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 | 41.89 | 37.68 | 41.89 | 37.68 | 37.68 | 37.68 | No | No | (No Data) | 14047.07 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 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;<br> Written VOE - 1 months; | (No Data) | (No Data) | (No Data) |
| 10151 | 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 | 8.5658 | Yes | Yes | 2.748 | 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 | 32.09 | 32.09 | 32.09 | 32.09 | 32.09 | 32.09 | Yes | Yes | Yes | 6884.21 | 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 | (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) |
| 10108 | 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% of amt prepd | (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) | -1441.1 | 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 Data) | No | (No Data) | (No Data) | Yes | 2395.00 | No | (No Data) | 1.6619 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10109 | 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 | 7.1479 | Yes | Yes | 4.166 | 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 | 36.01 | 34.09 | 36.01 | 34.09 | 34.09 | 34.09 | No | No | (No Data) | 31291.49 | 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 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) |
| 10051 | 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 | 8.0110 | Yes | Yes | 2.106 | 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 | 36.95 | 36.95 | 36.95 | 36.95 | 36.95 | 36.95 | Yes | Yes | Yes | 33090.56 | 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 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) |
| 10152 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (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) | -1138.2 | 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 Data) | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 2.0207 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10110 | 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 | (No Data) | Yes | Yes | 1 | 8.9990 | 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 | 17.5 | 0 | 17.5 | 17.5 | 17.5 | (No Data) | (No Data) | (No Data) | 28410.02 | 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 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) |
| 10715 | 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 amt prepd | (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) | -1662.02 | 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 | (No Data) | (No Data) | No | (No Data) | Yes | 2700.00 | 1.6245 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10153 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7500 | 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 | 17.89 | 0 | 17.89 | 17.89 | 17.89 | (No Data) | (No Data) | (No Data) | 79440.21 | 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 | (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) |
| 10154 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7500 | 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) | -3927.93 | 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 | (No Data) | (No Data) | Yes | 4140.00 | No | (No Data) | 1.0539 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10155 | 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 | 7.5333 | Yes | Yes | 2.604 | Unavailable | (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 | 37.37 | 37.15 | 37.37 | 37.15 | 37.15 | 37.15 | Yes | Yes | Yes | 6994.69 | 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 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months; | (No Data) | (No Data) | (No Data) |
| 10156 | 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) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9729 | No | No | 1.495 | 1.495 | (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 | 49.45 | 49.45 | 49.45 | 49.45 | 49.45 | 49.45 | No | No | (No Data) | 3393.14 | 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 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) |
| 10157 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3751 | 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) | -3516.31 | 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 Data) | No | (No Data) | (No Data) | Yes | 2250.00 | No | (No Data) | 1.4690 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10158 | 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 amt prepd | (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) | -3059.3 | 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 | (No Data) | (No Data) | Yes | 2854.00 | No | (No Data) | 0.9328 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10159 | 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 amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | 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) | -1247.53 | 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 Data) | No | (No Data) | (No Data) | Yes | 1250.00 | No | (No Data) | 1.0019 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10160 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2439 | Yes | Yes | 0 | 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 | 32.12 | 34.93 | 32.12 | 34.93 | 34.93 | 34.93 | Yes | Yes | Yes | 44183.84 | No | (No Data) | No | (No Data) | No | No | No | No | Yes | 2 | No | (No Data) | Yes | 3 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Yes | 12 | 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) | Paystub - 2 months;<br> W2 - 24 months; | Business Bank Statements - 12 months;<br> CPA Letter without Income - 12 months; | Paystub - 3 months;<br> W2 - 24 months; | Business Bank Statements - 12 months;<br> CPA Letter without Income - 12 months; |
| 10111 | 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 | 6.8799 | Yes | Yes | 2.528 | 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 | 26.5 | 26.5 | 26.5 | 26.5 | 26.5 | 26.5 | Yes | Yes | Yes | 16032.15 | 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 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) |
| 10161 | 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 amt prepd | (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) | -1589.09 | 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 | (No Data) | (No Data) | Yes | 2800.00 | No | (No Data) | 1.7620 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10788 | 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% of amt prepd | (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) | -2426.24 | 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 | (No Data) | (No Data) | Yes | 2525.00 | No | (No Data) | 1.0407 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10162 | 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 | (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) | -3189.09 | 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 | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 0.9407 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10163 | 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 | 7.2341 | No | No | 3.503 | 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 | 53.35 | 53.35 | 53.35 | 53.35 | 53.35 | 53.35 | No | No | (No Data) | 4373.5 | 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 | (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) |
| 10164 | 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 | No | 1 | 8.1958 | Yes | Yes | 3.012 | 3.012 | (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 | 35.4 | 22.43 | 22.43 | 22.43 | 22.43 | 22.43 | No | No | (No Data) | 29513.43 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 10165 | 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 | 7.6093 | No | No | 2.174 | 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 | 49.29 | 49.29 | 49.29 | 49.29 | 49.29 | 49.29 | No | No | (No Data) | 4791.54 | 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 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months; | (No Data) | (No Data) | (No Data) |
| 10166 | 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 | (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) | -1378.8 | 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 | (No Data) | (No Data) | Yes | 1443.00 | No | (No Data) | 1.0465 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10112 | 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 | 7.1112 | Yes | Yes | 3.64 | 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 | 32.9 | 32.9 | 32.9 | 32.9 | 32.9 | 32.9 | No | No | (No Data) | 33223.51 | 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 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) |
| 10716 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5001 | 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) | -2335.09 | 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 | (No Data) | (No Data) | Yes | 2600.00 | No | (No Data) | 1.1134 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10167 | 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% of amt prepd | (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) | -1265.71 | 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 | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 1.1851 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10168 | 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 | 7.1214 | No | Yes | 2.235 | 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 | 42.37 | 44.21 | 42.37 | 44.21 | 44.21 | 44.21 | Yes | Yes | Yes | 8662.48 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | 31 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | 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; | Paystub - 1 months;<br> Written VOE - 31 months; | (No Data) | (No Data) |
| 10690 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (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) | -2399.96 | No | (No Data) | No | (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 | (No Data) | (No Data) | Yes | 3500.00 | No | (No Data) | 1.4583 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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; |
| 10169 | 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 | 8.8042 | Yes | Yes | 2.728 | 0.000 | (No Data) | (No Data) | No | No | No | No | Yes | No | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 16.13 | 11.31 | 16.13 | 11.31 | 11.31 | 11.31 | No | No | (No Data) | 77980.37 | 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 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) | 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 - 1 months; | (No Data) | (No Data) | (No Data) |
| 10170 | 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 | Yes | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3699 | No | No | 1.397 | 1.397 | (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 | 48.1 | 48.52 | 45.36 | 45.58 | 45.58 | 45.58 | No | No | (No Data) | 17283.29 | 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 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months; | (No Data) | (No Data) | (No Data) |
| 10171 | 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 | 7.7473 | Yes | Yes | 2.663 | 2.663 | (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 | 31.15 | 31.15 | 31.15 | 31.15 | 31.15 | 31.15 | No | No | (No Data) | 3406.82 | 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 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 10172 | 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% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | 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) | -1819.62 | 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 | (No Data) | (No Data) | Yes | 3411.00 | No | (No Data) | 1.8745 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10017 | 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 amt prepd | (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 | 44.89 | 0 | 44.89 | 44.89 | 44.89 | (No Data) | (No Data) | (No Data) | 4454.48 | 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 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) | 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 - 1 months; | (No Data) | (No Data) | (No Data) |
| 10173 | 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 | 7.7735 | Yes | Yes | 1.111 | 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 | 35.65 | 35.65 | 35.65 | 35.65 | 35.65 | 35.65 | Yes | Yes | Yes | 27229.59 | 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 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 12 | 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) | 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 - 12 months; | Business Bank Statements - 12 months;<br> CPA Letter without Income - 12 months; | (No Data) | (No Data) |
| 10174 | 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 | 8.1322 | No | No | 1.151 | 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 | 47.53 | 47.58 | 47.53 | 47.58 | 47.58 | 47.58 | No | No | (No Data) | 13311.72 | 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 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) |
| 10717 | 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) | Rate and Term Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8749 | 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) | -5781.31 | 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 | (No Data) | (No Data) | Yes | 12000.00 | No | (No Data) | 2.0756 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10718 | 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 | 7.3112 | Yes | Yes | 2.618 | 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 | 36.36 | 39.04 | 36.36 | 39.04 | 39.04 | 39.04 | Yes | Yes | Yes | 6959.19 | 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 | (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) | 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 - 1 months; | (No Data) | (No Data) | (No Data) |
| 10175 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.3965 | Yes | Yes | 5.116 | 5.116 | (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 | 32.31 | 33.96 | 33.96 | 33.96 | 33.96 | 33.96 | No | No | (No Data) | 14203.16 | 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 | (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) |
| 10176 | 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 amt prepd | (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) | -1643.14 | 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 Data) | No | (No Data) | (No Data) | Yes | 1728.00 | No | (No Data) | 1.0516 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10177 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8750 | 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) | -1824.36 | 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 | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 1.2059 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10719 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (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) | -2067.83 | 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 | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.2089 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10178 | 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 | (No Data) | Yes | Yes | 1 | 6.9990 | 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) | -1484.26 | 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 | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 1.0106 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10179 | 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 | No | (No Data) | (No Data) | No | Yes | 1 | 8.6250 | 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) | -1786.45 | 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 | (No Data) | (No Data) | Yes | 1950.00 | No | (No Data) | 1.0915 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10180 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (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) | -2608.19 | 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 | (No Data) | (No Data) | Yes | 2600.00 | No | (No Data) | 0.9968 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10181 | 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% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | 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) | -2319.52 | 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 | (No Data) | (No Data) | Yes | 2525.00 | No | (No Data) | 1.0885 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10182 | 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 | 7.4831 | Yes | Yes | 0 | Unavailable | (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 | 40.16 | 40.18 | 40.16 | 40.18 | 40.18 | 40.18 | Yes | Yes | Yes | 5573.99 | 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 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months; | (No Data) | (No Data) | (No Data) |
| 10183 | 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 | 8.6881 | Yes | Yes | 2.446 | 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 | 36.41 | 35.06 | 36.41 | 35.06 | 35.06 | 35.06 | Yes | Yes | Yes | 7381.26 | 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 | (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) | 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> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 10184 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8750 | 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) | -3013.49 | 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 Data) | No | (No Data) | (No Data) | Yes | 3050.00 | No | (No Data) | 1.0121 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10185 | 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% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | 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) | -1701.98 | 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 | (No Data) | (No Data) | Yes | 1735.00 | No | (No Data) | 1.0194 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10186 | 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 | 9.1964 | Yes | Yes | 3.148 | 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 | 24.49 | 28.35 | 24.49 | 28.35 | 28.35 | 28.35 | Yes | Yes | Yes | 11512.7 | 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 | (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) |
| 10720 | 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 amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | 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) | -1097.95 | 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 | (No Data) | (No Data) | Yes | 1100.00 | No | (No Data) | 1.0018 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10187 | 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 amt prepd | (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) | -1694.81 | 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 | (No Data) | (No Data) | Yes | 1950.00 | No | (No Data) | 1.1505 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10721 | 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 | 7.6181 | Yes | Yes | 2.397 | 2.397 | (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 | 24.26 | 24.38 | 24.58 | 24.38 | 24.38 | 24.38 | No | No | (No Data) | 13785.16 | 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 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 10770 | 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% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | 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) | -2674.92 | 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 | (No Data) | (No Data) | Yes | 2150.00 | 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) |
| 10188 | 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 | 6.9961 | Yes | Yes | 0 | 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 | 39.86 | 39.86 | 39.86 | 39.86 | 39.86 | Yes | Yes | Yes | 5141.12 | 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 | (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) |
| 10189 | 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% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | 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) | -6713.16 | 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) | Yes | No | (No Data) | (No Data) | Yes | 10000.00 | No | (No Data) | 1.4896 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10190 | 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 | (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) | -1437.53 | 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 | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 1.0434 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10191 | 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 | (No Data) | Yes | Yes | 1 | 7.0000 | 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) | -1648.52 | 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 | (No Data) | (No Data) | Yes | 1900.00 | No | (No Data) | 1.1525 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10192 | 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 | (No Data) | Yes | Yes | 1 | 7.0000 | 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) | -2191.49 | 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 | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 1.0038 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10722 | 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 | (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) | -2953.3 | 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 | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 1.1595 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10723 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2490 | 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) | -2197.36 | 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 | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 1.0012 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10724 | 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 amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | 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 | 42.06 | 0 | 42.06 | 42.06 | 42.06 | (No Data) | (No Data) | (No Data) | 7459.2 | 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 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 12 | 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) | 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 - 12 months; | Business Bank Statements - 12 months;<br> CPA Letter without Income - 12 months; | (No Data) | (No Data) |
| 10193 | 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 amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | 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) | -5401.97 | 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 | (No Data) | (No Data) | Yes | 4200.00 | No | (No Data) | 0.7774 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10194 | 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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | 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) | -3344.82 | 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 | (No Data) | (No Data) | Yes | 3400.00 | No | (No Data) | 1.0165 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10195 | 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 | 8.7898 | No | No | 2.301 | 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 | 49.95 | 46.01 | 49.95 | 46.01 | 46.01 | 46.01 | Yes | Yes | Yes | 6276.51 | 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) | 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) | Yes | 8 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | 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 | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 8 months;<br> Personal Tax Return - 12 months; | (No Data) | (No Data) | (No Data) |
| 10725 | 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 | 9.6737 | Yes | No | 2.478 | 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 | 48.63 | 29.63 | 48.63 | 29.63 | 29.63 | 29.63 | Yes | Yes | Yes | 17398.13 | 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 | (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) |
| 10196 | 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 | (No Data) | Yes | Yes | 1 | 7.2500 | 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) | -2665.64 | 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 | (No Data) | (No Data) | Yes | 2508.00 | No | (No Data) | 0.9408 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10771 | 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 amt prepd | (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) | -1316.26 | 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 | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 1.7473 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10772 | 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 | Yes | 1 | 7.5704 | No | Yes | 3.101 | 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 | 42.28 | 49.85 | 42.28 | 49.85 | 49.85 | 49.85 | Yes | Yes | Yes | 5974.73 | 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 | (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) | 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 - 1 months; | (No Data) | (No Data) | (No Data) |
| 10773 | 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) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.6250 | 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) | -2315.48 | 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 | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.0796 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10197 | 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 | 5% of amt prepd | (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) | -1540.3 | 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 | (No Data) | (No Data) | Yes | 1650.00 | No | (No Data) | 1.0712 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10726 | 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 amt prepd | (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) | -3544.31 | 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 | (No Data) | (No Data) | Yes | 4200.00 | 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; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 10727 | 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 | (No Data) | Yes | Yes | 1 | 6.6250 | 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 | 27.41 | 0 | 27.41 | 27.41 | 27.41 | (No Data) | (No Data) | (No Data) | 27834.04 | 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 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1 | 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) | Yes | 15 | 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) | Business Bank Statements - 15 months;<br> CPA Letter without Income - 1 months; | Business Bank Statements - 15 months;<br> CPA Letter without Income - 1 months; | (No Data) | (No Data) |
| 10728 | 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 | 6.8207 | Yes | Yes | 1.8 | 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 | 17.9 | 18.04 | 17.9 | 18.04 | 18.04 | 18.04 | Yes | Yes | Yes | 21121.73 | 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 | (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) | 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 - 1 months; | (No Data) | (No Data) | (No Data) |
| 10198 | 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) | Yes | No | 1 | 6.9637 | Yes | Yes | 4.542 | 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 | 38.51 | 38.49 | 38.51 | 38.49 | 38.49 | 38.49 | No | No | (No Data) | 4328.55 | 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 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 12 months;<br> Personal Bank Statements - 1 months; | (No Data) | (No Data) | (No Data) |
| 10774 | 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 | 7.4937 | Yes | Yes | 2.754 | 2.754 | (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 | 37.74 | 37.73 | 37.73 | 37.73 | 37.73 | 37.73 | No | No | (No Data) | 3586.84 | 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 | (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) |
| 10199 | 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 | 6.5853 | Yes | Yes | 2.002 | 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 | 32.59 | 40.72 | 32.59 | 40.72 | 40.72 | 40.72 | Yes | Yes | Yes | 6145.45 | 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 | (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) |
| 10200 | 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 | 7.0627 | Yes | Yes | 1.694 | 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 | 15.24 | 15.19 | 15.24 | 15.19 | 15.19 | 15.19 | No | No | (No Data) | 97172.56 | 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 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months; | (No Data) | (No Data) | (No Data) |
| 10775 | 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 | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (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) | -1755.47 | 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 | (No Data) | (No Data) | No | (No Data) | Yes | 1100.00 | 0.6266 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10729 | 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 amt prepd | (No Data) | Yes | Yes | 1 | 8.3750 | 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 | 4.58 | 0 | 4.58 | 4.58 | 4.58 | (No Data) | (No Data) | (No Data) | 5518.08 | 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 | (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) |
| 10201 | 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 | (No Data) | Yes | Yes | 1 | 7.9991 | 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) | -2163.94 | 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 | (No Data) | (No Data) | Yes | 1575.00 | No | (No Data) | 1.0321 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10730 | 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% of amt prepd | (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) | -1751.78 | 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 | (No Data) | (No Data) | Yes | 2250.00 | No | (No Data) | 1.2844 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10776 | 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 | 5% of amt prepd | (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) | -4117.67 | 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 | (No Data) | (No Data) | Yes | 4892.00 | No | (No Data) | 1.1880 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10731 | 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% of amt prepd | (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) | -1795.55 | 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 | (No Data) | (No Data) | Yes | 1850.00 | No | (No Data) | 1.0303 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10732 | 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% of amt prepd | (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) | -1530.39 | 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 | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 1.1761 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10733 | 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% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | 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) | -1987.87 | 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) | Yes | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.2576 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10734 | 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% of amt prepd | (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) | -1614.52 | 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 | (No Data) | (No Data) | Yes | 1760.00 | No | (No Data) | 1.0901 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10735 | 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 | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (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) | -2060.3 | 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 | (No Data) | (No Data) | Yes | 2115.00 | No | (No Data) | 1.0265 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10202 | 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 | 8.0174 | Yes | Yes | 2.455 | 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 | 19.57 | 14.22 | 19.57 | 14.22 | 14.22 | 14.22 | No | No | (No Data) | 23759.76 | 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 | (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) |
| 10736 | 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 amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | 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) | -3812.53 | 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 | (No Data) | (No Data) | Yes | 3200.00 | No | (No Data) | 0.8393 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10737 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | 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) | -3394.98 | 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 | (No Data) | (No Data) | Yes | 3400.00 | No | (No Data) | 1.0014 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10738 | 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 amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | 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) | -2197.65 | 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) | Yes | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.1375 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10739 | 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% of amt prepd | (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) | -1330.81 | 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 | (No Data) | (No Data) | Yes | 1350.00 | No | (No Data) | 1.0144 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10740 | 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 | 7.4588 | Yes | Yes | 2.05 | 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 | 42.16 | 42.16 | 42.16 | 42.16 | 42.16 | 42.16 | No | No | (No Data) | 6231.22 | 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) | Yes | 136 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | 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> Verbal VOE with Income - 136 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 10741 | 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 | 9.1123 | Yes | Yes | 3.311 | 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 | 29.14 | 29.14 | 29.14 | 29.14 | 29.14 | 29.14 | Yes | Yes | Yes | 6583.37 | 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 | (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 | 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 - 36 months; | (No Data) | (No Data) | (No Data) |
| 10203 | 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 | No | (No Data) | (No Data) | No | Yes | 1 | 7.5000 | 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) | -2677.79 | 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 | (No Data) | (No Data) | Yes | 2750.00 | No | (No Data) | 1.0269 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10742 | 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% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | 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) | -1773.82 | 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 | (No Data) | (No Data) | Yes | 1950.00 | No | (No Data) | 1.0993 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10743 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | 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) | -5322.79 | 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 | (No Data) | (No Data) | Yes | 4700.00 | No | (No Data) | 0.8830 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10744 | 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 | 7.3220 | Yes | Yes | 2.814 | 2.814 | (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 | 36.21 | 36.3 | 36.3 | 36.3 | 36.3 | 36.3 | No | No | (No Data) | 4816.49 | 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 | 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 | (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; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 10777 | 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 | 8.8713 | Yes | Yes | 0 | Unavailable | (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 | 29.99 | 31.5 | 29.99 | 31.5 | 31.5 | 31.5 | Yes | Yes | Yes | 15267.4 | 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 | (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) |
| 10745 | 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 | 8.4267 | Yes | Yes | 3.867 | 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 | 41.38 | 40.93 | 41.38 | 40.93 | 40.93 | 40.93 | Yes | Yes | Yes | 16350.67 | 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 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months; | (No Data) | (No Data) | (No Data) |
| 10746 | 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 | Yes | 5 mos interest on amt prepd | (No Data) | No | Yes | 1 | 7.1251 | No | No | 2.969 | (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) | -3979.29 | 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 | (No Data) | (No Data) | Yes | 4100.00 | No | (No Data) | 1.0303 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10747 | 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 amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | 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) | -3499.99 | No | (No Data) | No | (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 | (No Data) | (No Data) | Yes | 3500.00 | No | (No Data) | 1.0000 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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; |
| 10748 | 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 | 6.9485 | Yes | Yes | 2.201 | 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 | 30.2 | 30.2 | 30.2 | 30.2 | 30.2 | 30.2 | Yes | Yes | Yes | 11439.19 | No | (No Data) | No | (No Data) | No | No | (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) | 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 | 204 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | 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) | 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) | Paystub - 1 months;<br> Verbal VOE with Income - 204 months;<br> W2 - 12 months; | Business Bank Statements - 12 months; | (No Data) | (No Data) |
| 10749 | 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 amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (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) | -1816.73 | 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 | (No Data) | (No Data) | Yes | 1850.00 | No | (No Data) | 1.0183 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10750 | 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 | 7.9000 | Yes | Yes | 2.381 | 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 | 41.06 | 41.15 | 41.06 | 41.15 | 41.15 | 41.15 | Yes | Yes | Yes | 10057.02 | 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 | (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) |
| 10751 | 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 amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | 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) | -1447.31 | 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 | (No Data) | (No Data) | Yes | 1450.00 | No | (No Data) | 1.0018 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10752 | 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% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | 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) | -1211.32 | 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 | (No Data) | (No Data) | Yes | 1225.00 | No | (No Data) | 1.0112 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10753 | 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 | 7.5931 | Yes | Yes | 1.738 | 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 | 20.24 | 18.18 | 20.24 | 18.18 | 18.18 | 18.18 | Yes | Yes | Yes | 90765.97 | 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 | (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) | 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 - 1 months; | (No Data) | (No Data) | (No Data) |
| 10754 | 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 | (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) | -1187.41 | 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 | (No Data) | (No Data) | Yes | 1200.00 | No | (No Data) | 1.0106 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10755 | 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 amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | 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) | -939.49 | 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 | (No Data) | (No Data) | Yes | 1600.00 | No | (No Data) | 1.7031 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10756 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | 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) | -5039.76 | 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 | (No Data) | (No Data) | Yes | 5100.00 | 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; | (No Data) | (No Data) | (No Data) |
| 10757 | 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 amt prepd | (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) | -2671.68 | 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 | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 1.1228 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10758 | 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 | (No Data) | Yes | Yes | 1 | 7.6250 | 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) | -1582.18 | 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 | (No Data) | (No Data) | Yes | 1600.00 | No | (No Data) | 1.0112 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10759 | 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 amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | 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) | -2135.03 | 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 | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 0.9367 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10760 | 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 | 7.7501 | 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) | -2087.98 | 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 | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 1.1015 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10778 | 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 amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (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 | 48.68 | 0 | 48.68 | 48.68 | 48.68 | (No Data) | (No Data) | (No Data) | 7568.53 | 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 | (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) |
| 10761 | 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 | No | (No Data) | (No Data) | No | Yes | 1 | 7.9991 | 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) | -1933.79 | 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 | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.0342 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10762 | 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 | 9.0479 | Yes | Yes | 2.36 | 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 | 24.09 | 24.09 | 24.09 | 24.09 | 24.09 | 24.09 | Yes | Yes | Yes | 32625.2 | 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 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 12 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 10763 | 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% of amt prepd | (No Data) | Yes | Yes | 1 | 9.7500 | 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) | -3328.68 | 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 | (No Data) | (No Data) | Yes | 3400.00 | No | (No Data) | 1.0214 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10764 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7500 | 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) | -6931.47 | 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 | (No Data) | (No Data) | Yes | 6800.00 | No | (No Data) | 0.9810 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10765 | 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 | 9.1936 | No | No | 2.864 | 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 | 43.31 | 43.87 | 43.31 | 43.87 | 43.87 | 43.87 | Yes | Yes | Yes | 13892.54 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | 33 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | 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;<br> Written VOE - 33 months; | (No Data) | (No Data) | (No Data) |
| 10766 | 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% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | 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 | 36.7 | 0 | 36.7 | 36.7 | 36.7 | (No Data) | (No Data) | (No Data) | 15075.12 | 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) | 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 | (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; | Business Tax Return - 12 months; | (No Data) |
| 10767 | 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 amt prepd | (No Data) | Yes | Yes | 1 | 8.4990 | 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) | -2213.22 | 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 | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.1295 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 10768 | 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 | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | (No Data) | No | Yes | 1 | 7.2500 | No | No | 0.806 | (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) | -1841.32 | 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 | (No Data) | (No Data) | Yes | 2350.00 | No | (No Data) | 1.2762 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 99.4

[HOMES 2023-NQM1 ABS-15G](homes-abs15g_020223.htm)

**EXHIBIT 99.4**

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| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **HOMES 2023-NQM1** |
| **Start - End Dates:** | **4/26/2022 - 11/9/2022** |
| **Deal Loan Count:** | **455** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *455* |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 10204 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 15199.6 | XXXXXX | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10205 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 21187.5 | XXXXXX | 6.2499 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10348 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13628.5 | XXXXXX | 6.3454 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10420 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9650.55 | XXXXXX | 6.375 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10206 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 31471 | XXXXXX | 6.0291 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10349 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10864.75 | XXXXXX | 6.2974 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10207 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5746 | XXXXXX | 6.922 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | 28605.06 |
| 10350 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 17757.84 | XXXXXX | 6.5025 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10351 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10432.4 | XXXXXX | 6.3609 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 1721.85 |
| 10352 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12471 | XXXXXX | 7.4103 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 3679.97 |
| 10208 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 17252.23 | XXXXXX | 6.5563 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 26971.14 |
| 10209 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13600 | XXXXXX | 6.25 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10210 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 42800 | XXXXXX | 6.7499 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10211 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 25900 | XXXXXX | 7.25 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10212 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 22050 | XXXXXX | 7.4991 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10213 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 19089 | XXXXXX | 7 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 10214 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8761 | XXXXXX | 7.0334 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10421 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10442.25 | XXXXXX | 6.2499 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10215 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 17627.88 | XXXXXX | 8.3477 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | 25057.27 |
| 10216 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10125 | XXXXXX | 7 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10217 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10353.5 | XXXXXX | 7.4334 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10218 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 45033 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10219 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6465 | XXXXXX | 6.25 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10353 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 31171 | XXXXXX | 8.0394 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 20311 |
| 10220 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5737.5 | XXXXXX | 7.7501 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10221 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 43824.44 | XXXXXX | 7.0166 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10222 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 14991 | XXXXXX | 6.5268 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10223 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6751 | XXXXXX | 7.4341 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10224 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8996 | XXXXXX | 7.4995 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | 11657 |
| 10225 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9216 | XXXXXX | 6.8379 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10354 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 14608.24 | XXXXXX | 7.5885 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 27563 |
| 10226 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6027.25 | XXXXXX | 7.0174 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 16427.09 |
| 10355 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 29470 | XXXXXX | 9.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10356 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6591 | XXXXXX | 7.7649 | Employed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | Yes | 2875.15 |
| 10052 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10634.63 | XXXXXX | 8.8205 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10227 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 24600 | XXXXXX | 6.6249 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10228 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13271 | XXXXXX | 6.4043 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10229 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 24000 | XXXXXX | 7.5001 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10230 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 29500 | XXXXXX | 6.5 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10357 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 3562.68 | XXXXXX | 7.1251 | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10231 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 826 | XXXXXX | 7.7628 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| 10232 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 21543.5 | XXXXXX | 6.3995 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10358 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6650 | XXXXXX | 7.8741 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10233 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 18037.5 | XXXXXX | 7 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10053 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 16366 | XXXXXX | 6.7395 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10234 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 26431 | XXXXXX | 7.0051 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 18530 |
| 10235 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 22758.75 | XXXXXX | 7.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10236 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 56891 | XXXXXX | 6.8619 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 6662.26 |
| 10237 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 24862.5 | XXXXXX | 6.625 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10238 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9960.66 | XXXXXX | 6.99 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10239 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 15896 | XXXXXX | 6.7428 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 13027 |
| 10240 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10241 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 22500 | XXXXXX | 6.25 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10422 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11050 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10242 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 16294.5 | XXXXXX | 7.375 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10243 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 21993.75 | XXXXXX | 7.875 | Unemployed | Employed | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 10244 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13823.05 | XXXXXX | 6.8555 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10786 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11245.5 | XXXXXX | 7 | Unemployed | Employed | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 10245 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7500 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10246 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 4669.4 | XXXXXX | 7.3037 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 7695.63 |
| 10247 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 35363.56 | XXXXXX | 7.2363 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10248 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 19125 | XXXXXX | 9 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10249 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7420 | XXXXXX | 8.0001 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10038 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 34100 | XXXXXX | 7.999 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10250 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 16949.13 | XXXXXX | 8.1423 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 0 |
| 10251 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9375 | XXXXXX | 6.999 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 10252 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12900 | XXXXXX | 6.999 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10253 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 35304.75 | XXXXXX | 6.2499 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10254 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5151 | XXXXXX | 6.4186 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10255 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 49995 | XXXXXX | 6.6249 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10256 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 14853.4 | XXXXXX | 8.0274 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| 10257 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5471 | XXXXXX | 7.0553 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10258 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6487 | XXXXXX | 7.5286 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10259 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5286.46 | XXXXXX | 6.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10359 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7506 | XXXXXX | 8.5666 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10260 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7537.5 | XXXXXX | 6.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10261 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 21160 | XXXXXX | 6.8749 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10262 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 20081.25 | XXXXXX | 6.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10263 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 19568.2 | XXXXXX | 6.2499 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10423 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7000 | XXXXXX | 8 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10264 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9891 | XXXXXX | 7.1477 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 5107.38 |
| 10265 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 14514.76 | XXXXXX | 7.2188 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 2438.87 |
| 10424 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10302.25 | XXXXXX | 6.749 | Employed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10266 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 25704 | XXXXXX | 6.999 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10360 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9812.5 | XXXXXX | 7.2923 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10267 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 39780 | XXXXXX | 6.7499 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10268 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10393.38 | XXXXXX | 8.0987 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10269 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5950 | XXXXXX | 6.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10425 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6750 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10270 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 15750 | XXXXXX | 6.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10119 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.1866 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 261546 |
| 10271 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9450 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10272 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 15000 | XXXXXX | 7.625 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10273 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7311.78 | XXXXXX | 6.4955 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 12696 |
| 10274 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6885 | XXXXXX | 6.999 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10275 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 25882.5 | XXXXXX | 6.6249 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10426 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 18450 | XXXXXX | 6.125 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10276 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10063 | XXXXXX | 6.9582 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 5087 |
| 10277 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 27633.5 | XXXXXX | 6.3622 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10361 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 19401 | XXXXXX | 7.4353 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10278 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12615 | XXXXXX | 7.5 | Unemployed | Employed | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 10362 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 38471.62 | XXXXXX | 7.1444 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10279 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 16071 | XXXXXX | 6.9709 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 6100.25 |
| 10280 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6324 | XXXXXX | 6.625 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10281 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10500 | XXXXXX | 7.25 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10282 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13471 | XXXXXX | 6.9782 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 8400.7 |
| 10283 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13658.5 | XXXXXX | 6.0392 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10054 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11805.38 | XXXXXX | 8.4798 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10284 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13387.5 | XXXXXX | 7.25 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10285 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 17595 | XXXXXX | 6.8749 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10286 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10281 | XXXXXX | 7.5319 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10363 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 25681 | XXXXXX | 8.8913 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10364 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6250 | XXXXXX | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10287 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 25000 | XXXXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10288 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 19278 | XXXXXX | 5.9989 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10289 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7142.6 | XXXXXX | 8.4573 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10290 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 19125 | XXXXXX | 7.8751 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10291 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 15083.5 | XXXXXX | 7.1766 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 10826 |
| 10292 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13571 | XXXXXX | 7.4138 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10427 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 20000 | XXXXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10293 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12500 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10294 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7026 | XXXXXX | 7.3769 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10295 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11250 | XXXXXX | 7.5 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10296 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10294.61 | XXXXXX | 7.249 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10365 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12852 | XXXXXX | 6.75 | Unemployed | Employed | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 10366 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10355.2 | XXXXXX | 8.8252 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10297 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 16581.86 | XXXXXX | 7.6015 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 7235.75 |
| 10298 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10752.25 | XXXXXX | 7.0295 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10299 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6581.25 | XXXXXX | 5.9989 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10367 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9625 | XXXXXX | 6.75 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10368 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 20371 | XXXXXX | 7.5844 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10300 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9546 | XXXXXX | 6.9992 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10428 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10000 | XXXXXX | 6.749 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10429 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 30000 | XXXXXX | 7.75 | Employed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10301 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5355 | XXXXXX | 6.249 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10055 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11796 | XXXXXX | 0 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10302 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 19000 | XXXXXX | 7.75 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10430 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8925 | XXXXXX | 6.875 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 10303 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14000 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10304 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7996 | XXXXXX | 8.2988 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10305 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 2574.04 | XXXXXX | 6.3749 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10056 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8236 | XXXXXX | 8.3026 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10120 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7650 | XXXXXX | 6.999 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10306 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9375 | XXXXXX | 6.75 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10307 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7650 | XXXXXX | 6.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10308 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8896 | XXXXXX | 7.6091 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10431 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 39750 | XXXXXX | 5.9989 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10309 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 17451 | XXXXXX | 6.5985 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10369 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12622.5 | XXXXXX | 7.7501 | Unemployed | Employed | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 10370 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 22026.9 | XXXXXX | 7.624 | Unemployed | Employed | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 10005 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 17995.21 | XXXXXX | 8.5438 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 5913.02 |
| 10310 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10500.9 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10371 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 31875 | XXXXXX | 7.875 | Employed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10311 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7470.6 | XXXXXX | 6.5516 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10432 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12431.25 | XXXXXX | 7.8751 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10372 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5846 | XXXXXX | 7.0061 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 905 |
| 10373 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 27962.5 | XXXXXX | 6.6606 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10433 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10875 | XXXXXX | 6.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10374 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10051 | XXXXXX | 7.3722 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10434 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 16000 | XXXXXX | 7 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10375 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 35575 | XXXXXX | 6.4024 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 19245.46 |
| 10312 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 52500 | XXXXXX | 6.2499 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10313 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8511 | XXXXXX | 7.2586 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10314 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12187.5 | XXXXXX | 7.5 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10315 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 15522.68 | XXXXXX | 8.0544 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10057 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8783.5 | XXXXXX | 10.142 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| 10376 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 16471 | XXXXXX | 6.9075 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10316 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8750 | XXXXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10377 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 3475.01 | XXXXXX | 7.5528 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10139 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 16957.5 | XXXXXX | 6.7499 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10435 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14153.75 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10378 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 20046 | XXXXXX | 7.6794 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10058 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10317 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10318 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9100 | XXXXXX | 6.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10379 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 25531.9 | XXXXXX | 7.25 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10319 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14000 | XXXXXX | 7.5001 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10320 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7229.25 | XXXXXX | 6.999 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10059 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 18571 | XXXXXX | 7.8215 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 8702.54 |
| 10380 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 20342.88 | XXXXXX | 8.7166 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 0 |
| 10060 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 18755.44 | XXXXXX | 8.0124 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 64707 |
| 10714 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13875 | XXXXXX | 8.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10061 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14280 | XXXXXX | 0 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10381 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12037.7 | XXXXXX | 6.9806 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 3841 |
| 10382 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10816 | XXXXXX | 9.0142 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 3537.1 |
| 10062 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12200 | XXXXXX | 8.625 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10436 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 16261 | XXXXXX | 8.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10063 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 22495 | XXXXXX | 10.375 | Unemployed | Employed | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 10121 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9966.75 | XXXXXX | 8.635 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 1413 |
| 10383 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 20625 | XXXXXX | 7.625 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10384 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 15176.2 | XXXXXX | 7.3893 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10385 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11524.12 | XXXXXX | 7.2378 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 22014.6 |
| 10437 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11100 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10039 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 55874.95 | XXXXXX | 9 | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10386 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9044.51 | XXXXXX | 7.6502 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 5822.68 |
| 10387 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13421 | XXXXXX | 7.1675 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10064 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 1516 | XXXXXX | 8.566 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 8128 |
| 10065 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12946 | XXXXXX | 9.1508 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 5732.64 |
| 10438 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 15800 | XXXXXX | 6.875 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10388 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9414 | XXXXXX | 7.8023 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10389 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10086 | XXXXXX | 6.6939 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 8336.2 |
| 10390 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6721 | XXXXXX | 8.9622 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10391 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7489 | XXXXXX | 6.7757 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10439 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 21562.5 | XXXXXX | 7.625 | Employed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10440 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 21836.9 | XXXXXX | 6.8749 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10392 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11371 | XXXXXX | 6.8893 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10441 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 21224.95 | XXXXXX | 8 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10066 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10000 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10140 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8225 | XXXXXX | 8.125 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10393 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 4571 | XXXXXX | 7.8439 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10040 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 21300 | XXXXXX | 6.875 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 10067 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5419 | XXXXXX | 7.6621 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10068 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8401 | XXXXXX | 8.0637 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 30056.57 |
| 10141 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5437.5 | XXXXXX | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10069 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 23625 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10070 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 29750 | XXXXXX | 7.6251 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10006 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8563.5 | XXXXXX | 7.4603 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10394 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 17766 | XXXXXX | 6.75 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10395 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 19936.4 | XXXXXX | 7.1205 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 3575.57 |
| 10396 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8156 | XXXXXX | 8.6233 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10041 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 28471 | XXXXXX | 9.0048 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10397 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10753 | XXXXXX | 9.3985 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10071 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6871 | XXXXXX | 8.779 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10398 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8250 | XXXXXX | 6.625 | Unemployed | Employed | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 10399 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11625 | XXXXXX | 6.625 | Unemployed | Employed | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 10442 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 19507.5 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10007 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 20404.75 | XXXXXX | 7.6347 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 19560 |
| 10072 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 15112.1 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10073 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12928.5 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10400 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.6126 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10401 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5676 | XXXXXX | 8.1371 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10074 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 20062.5 | XXXXXX | 6.625 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10402 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 14162 | XXXXXX | 6.8745 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 13966 |
| 10075 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9378.75 | XXXXXX | 7.25 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10403 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 16600 | XXXXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10404 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.4879 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10405 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7050 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10142 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7140 | XXXXXX | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10042 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 47091 | XXXXXX | 7.8616 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10008 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7672.6 | XXXXXX | 9.0481 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 10966.87 |
| 10076 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14000 | XXXXXX | 7.8751 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10443 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13050 | XXXXXX | 7.4991 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10406 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 15045 | XXXXXX | 7.625 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10407 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6937.5 | XXXXXX | 7.7501 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10408 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8988.75 | XXXXXX | 7.25 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10113 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5921 | XXXXXX | 7.5559 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 41341 |
| 10444 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13575 | XXXXXX | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10445 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 15300 | XXXXXX | 7.7501 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10114 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10544 | XXXXXX | 7.1266 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 9271.13 |
| 10077 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8987.13 | XXXXXX | 8.0974 | Employed | Unemployed | U.S. Citizen | (No Data) | (No Data) | Yes | 12470.62 |
| 10446 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 33915 | XXXXXX | 6.6239 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10447 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 52500 | XXXXXX | 7.499 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10448 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 24862.5 | XXXXXX | 7.7501 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10043 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8563.75 | XXXXXX | 7.999 | Unemployed | Employed | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 10409 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 16176 | XXXXXX | 7.9995 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10078 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10966.8 | XXXXXX | 7.1917 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 6235 |
| 10079 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10000 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10080 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7623.38 | XXXXXX | 9.1659 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 9351 |
| 10081 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12671.79 | XXXXXX | 8.375 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10410 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9996 | XXXXXX | 8.375 | Unemployed | Employed | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 10411 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6296.25 | XXXXXX | 7.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10412 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 4204.6 | XXXXXX | 6.8322 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10009 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10158.19 | XXXXXX | 8.5745 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10082 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13615 | XXXXXX | 6.8065 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 5564.2 |
| 10413 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 42766 | XXXXXX | 7.558 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10414 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8738.5 | XXXXXX | 9.5588 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 6522.78 |
| 10415 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 20821 | XXXXXX | 8.0597 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 10786 |
| 10083 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 15151 | XXXXXX | 7.9071 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10084 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 23536.5 | XXXXXX | 6.8749 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10044 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 23290 | XXXXXX | 8.499 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10045 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 23250 | XXXXXX | 8.499 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10416 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10196 | XXXXXX | 7.6097 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10085 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 15045 | XXXXXX | 6.999 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10122 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14619.15 | XXXXXX | 7.5001 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10417 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11569 | XXXXXX | 7.3579 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 2189.05 |
| 10086 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 24187.5 | XXXXXX | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10087 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9171 | XXXXXX | 7.631 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 3360 |
| 10088 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 17652.68 | XXXXXX | 8.3384 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10089 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14254.41 | XXXXXX | 7.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10003 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8443.12 | XXXXXX | 7.707 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 |
| 10090 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5950 | XXXXXX | 8.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10143 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5961.9 | XXXXXX | 8.749 | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10091 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8750 | XXXXXX | 8.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10092 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13938.35 | XXXXXX | 6.999 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10010 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14350 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10093 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6311 | XXXXXX | 9.1635 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 17144 |
| 10094 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 17000 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10001 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5062.5 | XXXXXX | 8.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10095 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10500 | XXXXXX | 7.8751 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10418 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 40288.18 | XXXXXX | 7.972 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 25174.76 |
| 10116 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8383.5 | XXXXXX | 8.0837 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10123 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8625 | XXXXXX | 8.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10011 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 18187.5 | XXXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10144 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8828.2 | XXXXXX | 6.8749 | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10117 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7803 | XXXXXX | 6.999 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10419 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10416 | XXXXXX | 7.7832 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 9671.86 |
| 10012 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5901.5 | XXXXXX | 7 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10046 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6367 | XXXXXX | 9.8712 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 920.56 |
| 10013 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 38663.5 | XXXXXX | 7.3689 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10096 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12691 | XXXXXX | 9.2607 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 36716.55 |
| 10097 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12372.5 | XXXXXX | 7.7501 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10124 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8223.75 | XXXXXX | 8.875 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10098 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 32183.5 | XXXXXX | 7.8875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10099 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6936 | XXXXXX | 8.125 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10100 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 22800 | XXXXXX | 7.6251 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10014 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5299 | XXXXXX | 7.744 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10787 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6201.55 | XXXXXX | 7.999 | Employed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10047 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 26250 | XXXXXX | 7.7501 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10048 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10500 | XXXXXX | 7.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10101 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 15899.13 | XXXXXX | 7.2421 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10145 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11625.01 | XXXXXX | 7.7501 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10102 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 19758.75 | XXXXXX | 7.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10146 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 21302.3 | XXXXXX | 7.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10103 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 24621 | XXXXXX | 7.2751 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10147 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13112.5 | XXXXXX | 6.999 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10148 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5959 | XXXXXX | 7.6583 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10104 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10466 | XXXXXX | 7.923 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 12449 |
| 10149 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7000 | XXXXXX | 7.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10769 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 19012.5 | XXXXXX | 8.75 | Employed | Employed | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 10105 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13125 | XXXXXX | 8.25 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10049 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 28616 | XXXXXX | 8.3652 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10106 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 20250 | XXXXXX | 8.125 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10015 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12187.5 | XXXXXX | 6.874 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 10107 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6298.5 | XXXXXX | 8.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10125 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7500 | XXXXXX | 7.6251 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10150 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6608.5 | XXXXXX | 7.4005 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10004 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9405.08 | XXXXXX | 7.2684 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 887.91 |
| 10118 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5250 | XXXXXX | 7.375 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10016 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8848.5 | XXXXXX | 6.875 | Unemployed | Employed | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 10050 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5483.92 | XXXXXX | 6.9696 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10151 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5923.3 | XXXXXX | 8.5658 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 5524 |
| 10108 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10000 | XXXXXX | 6.875 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10109 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 48268.6 | XXXXXX | 7.1479 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10051 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 30871 | XXXXXX | 8.011 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 31591 |
| 10152 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5355 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10110 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8400 | XXXXXX | 8.999 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10715 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7500 | XXXXXX | 7.7501 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10153 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 21721 | XXXXXX | 7.75 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10154 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 21112 | XXXXXX | 7.75 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10155 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13441 | XXXXXX | 7.5333 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 6994.69 |
| 10156 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 4703 | XXXXXX | 6.9729 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10157 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5100 | XXXXXX | 7.3751 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10158 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 15153.9 | XXXXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10159 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5437.5 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10160 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.2439 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 43089 |
| 10111 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10821 | XXXXXX | 6.8799 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 14532 |
| 10161 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9960.3 | XXXXXX | 7.1251 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10788 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 16100 | XXXXXX | 7.375 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10162 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 20655 | XXXXXX | 7.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10163 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8939.15 | XXXXXX | 7.2341 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10164 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 26738.44 | XXXXXX | 8.1958 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10165 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8436 | XXXXXX | 7.6093 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10166 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8415 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10112 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 32271 | XXXXXX | 7.1112 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| 10716 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13585 | XXXXXX | 7.5001 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10167 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5000 | XXXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10168 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 18271 | XXXXXX | 7.1214 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 8662.48 |
| 10690 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14000 | XXXXXX | 7.1251 | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10169 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 22891 | XXXXXX | 8.8042 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10170 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 16471 | XXXXXX | 7.3699 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10171 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 3436 | XXXXXX | 7.7473 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10172 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11250 | XXXXXX | 8.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10017 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10500 | XXXXXX | 6.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10173 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 17631 | XXXXXX | 7.7735 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 21864.05 |
| 10174 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12691 | XXXXXX | 8.1322 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10717 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 47700 | XXXXXX | 6.8749 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10718 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9818 | XXXXXX | 7.3112 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 6959.19 |
| 10175 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 14930.04 | XXXXXX | 7.3965 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10176 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8853.6 | XXXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10177 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10840.05 | XXXXXX | 7.875 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10719 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14625 | XXXXXX | 7.1251 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10178 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8860 | XXXXXX | 6.999 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10179 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.625 | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10180 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 18726.75 | XXXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10181 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10612.5 | XXXXXX | 7 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10182 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.4831 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 5573.99 |
| 10183 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9386.2 | XXXXXX | 8.6881 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 5727 |
| 10184 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 18660 | XXXXXX | 7.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10185 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8950.5 | XXXXXX | 7 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10186 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12363.2 | XXXXXX | 9.1964 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 11512.7 |
| 10720 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6069 | XXXXXX | 7 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10187 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10200 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10721 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11191 | XXXXXX | 7.6181 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10770 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14127 | XXXXXX | 6.999 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10188 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.9961 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 2836 |
| 10189 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 36000 | XXXXXX | 7 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10190 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8250 | XXXXXX | 6.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10191 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10000 | XXXXXX | 7 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10192 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12770 | XXXXXX | 7 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10722 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11300 | XXXXXX | 7.7501 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10723 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14300 | XXXXXX | 8.249 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10724 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11000 | XXXXXX | 7.7501 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10193 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 30000 | XXXXXX | 7.25 | Unemployed | Unemployed | U.S. Citizen | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 10194 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 18187.5 | XXXXXX | 7.8751 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10195 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12119.4 | XXXXXX | 8.7898 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 6264.51 |
| 10725 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12844.5 | XXXXXX | 9.6737 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 17398.13 |
| 10196 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 16250 | XXXXXX | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10771 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8975 | XXXXXX | 6.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10772 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 17950.38 | XXXXXX | 7.5704 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 8107.74 |
| 10773 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.625 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10197 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9180 | XXXXXX | 7.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10726 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 21930 | XXXXXX | 6.875 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10727 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 25425 | XXXXXX | 6.625 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10728 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8481.75 | XXXXXX | 6.8207 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 21161.73 |
| 10198 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12269.5 | XXXXXX | 6.9637 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10774 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6566.1 | XXXXXX | 7.4937 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10199 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9261 | XXXXXX | 6.5853 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 6145.45 |
| 10200 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 24159.54 | XXXXXX | 7.0627 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10775 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7687.51 | XXXXXX | 7.8751 | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10729 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11436.75 | XXXXXX | 8.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10201 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6200 | XXXXXX | 7.9991 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 10730 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9600 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10776 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 25000 | XXXXXX | 6.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10731 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9750 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10732 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8250 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10733 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11245.5 | XXXXXX | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10734 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8700 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10735 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12450.01 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10202 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8975 | XXXXXX | 8.0174 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10736 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 15746.25 | XXXXXX | 7 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10737 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 20400 | XXXXXX | 8.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10738 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11725 | XXXXXX | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10739 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6562.5 | XXXXXX | 8.5 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10740 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11682.25 | XXXXXX | 7.4588 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10741 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5628.86 | XXXXXX | 9.1123 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 6583.37 |
| 10203 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10742 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11398.5 | XXXXXX | 7.625 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10743 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 23702.25 | XXXXXX | 6.999 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10744 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8622.63 | XXXXXX | 7.322 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10777 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.8713 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 15267.4 |
| 10745 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 15687.5 | XXXXXX | 8.4267 | Employed | Unemployed | Permanent Resident Alien | U.S. Citizen | (No Data) | Yes | 14725 |
| 10746 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14478.24 | XXXXXX | 7.1251 | Employed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10747 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 20685 | XXXXXX | 7.25 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10748 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 3711.73 | XXXXXX | 6.9485 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 9939 |
| 10749 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9384.01 | XXXXXX | 6.75 | Employed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10750 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 15366 | XXXXXX | 7.9 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 10057.02 |
| 10751 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8062.5 | XXXXXX | 7.8751 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10752 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7125 | XXXXXX | 8.125 | Unemployed | Employed | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 10753 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 18996 | XXXXXX | 7.5931 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 90765.97 |
| 10754 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5500 | XXXXXX | 8.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10755 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5000 | XXXXXX | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10756 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 28400 | XXXXXX | 8.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10757 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12625 | XXXXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10758 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7800 | XXXXXX | 7.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10759 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10140 | XXXXXX | 8.125 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10760 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10778 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 19600.01 | XXXXXX | 7.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10761 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10762 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 19466 | XXXXXX | 9.0479 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 31125 |
| 10763 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14400 | XXXXXX | 9.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10764 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 42818.75 | XXXXXX | 7.75 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10765 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 23191 | XXXXXX | 9.1936 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 13892.54 |
| 10766 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12000 | XXXXXX | 7.625 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10767 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8300 | XXXXXX | 8.499 | Unemployed | Unemployed | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 10768 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 1734.04 | XXXXXX | 7.25 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |

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©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 99.5

[HOMES 2023-NQM1 ABS-15G](homes-abs15g_020223.htm)

**EXHIBIT 99.5**

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| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **HOMES 2023-NQM1** |
| **Start - End Dates:** | **4/26/2022 - 11/9/2022** |
| **Deal Loan Count:** | **455** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *455* |
| ***Loans with Conditions:*** | *223* |
| **60 - Total Active Conditions** | **60 - Total Active Conditions** |
| **60 - Non-Material Conditions** | **60 - Non-Material Conditions** |
|  | 47 - Credit Review Scope |
|  | 1 - Category: Application |
|  | 2 - Category: Assets |
|  | 14 - Category: Credit/Mtg History |
|  | 3 - Category: DTI |
|  | 2 - Category: Income/Employment |
|  | 4 - Category: LTV/CLTV |
|  | 21 - Category: Terms/Guidelines |
|  | 9 - Property Valuations Review Scope |
|  | 3 - Category: FEMA |
|  | 6 - Category: Property |
|  | 4 - Compliance Review Scope |
|  | 1 - Category: Federal Consumer Protection |
|  | 2 - Category: RESPA |
|  | 1 - Category: State Rate Spread |
| **337 - Total Satisfied Conditions** | **337 - Total Satisfied Conditions** |
|  | 246 - Credit Review Scope |
|  | 11 - Category: Application |
|  | 27 - Category: Assets |
|  | 14 - Category: Credit/Mtg History |
|  | 5 - Category: DTI |
|  | 60 - Category: Income/Employment |
|  | 26 - Category: Insurance |
|  | 66 - Category: Legal Documents |
|  | 4 - Category: LTV/CLTV |
|  | 1 - Category: Potential Misrepresentation |
|  | 1 - Category: Re-Verifications |
|  | 15 - Category: Terms/Guidelines |
|  | 16 - Category: Title |
|  | 26 - Property Valuations Review Scope |
|  | 10 - Category: Appraisal |
|  | 9 - Category: FEMA |
|  | 5 - Category: Property |
|  | 2 - Category: Value |
|  | 65 - Compliance Review Scope |
|  | 2 - Category: Ability to Repay/Qualified Mortgage |
|  | 1 - Category: APR Tolerance |
|  | 3 - Category: Compliance Manual |
|  | 9 - Category: Documentation |
|  | 2 - Category: RESPA |
|  | 4 - Category: Right of Rescission |
|  | 2 - Category: Texas Home Equity |
|  | 42 - Category: TILA/RESPA Integrated Disclosure |
| **0 - Total Waived Conditions** | **0 - Total Waived Conditions** |

---

©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.

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **HOMES 2023-NQM1** |
| **Start - End Dates:** | **4/26/2022 - 11/9/2022** |
| **Deal Loan Count:** | **455** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *455* |
| ***Loans with Conditions:*** | *223* |

---

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 10204 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 776.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 15 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit report, Borrower has a positive mortgage payment history. |
| 10205 | XXXXXX | CA | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Loan program requires 6 months of PITI in reserves. Total amount of reserves should be $XXX and the borrower has $XXX left after closing. Please provide the additional assets to cover the 6 months of reserves. | 5.2.2022 Client responded - Please attached statements that satisfy the reserve requirements. Please clear exception5.2.2022 Upon further review client sent in bank statement from the XXX for accounts XXX totaling $XXX. Closing cost required $XXX and reserves of $XXX totaling $XXX. Short reserves $XXX. Exception remains5.4.2022-Clients response: May 3rd 2022, 11:58:39 amPlease see attached account statement. Please clear the exception. 5.4.2022-Clayton's response: Upon further review the Savings Account with XXX has been received and has a balance of $XXX which is sufficient for the required reserves. Exception satisfied. | 5.2.2022 Exception remains.5.4.2022-Exception satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has a good credit history with no derogatory account.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 755.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 11 years. |
| 10348 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Please provide a letter from the borrowers CPA or accountant that confirms the percentage of the business that the borrower owns. | 5.6.2022 Client responded - Please see CPA letter showing ownership by borrower. Please clear exception. 5.6.2022 Upon further review client sent in Letter from CPA verifying XXX with 40% shareholder in XXX. No further action required. Exception satisfied. | 5.6.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is below guideline requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 10348 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing Lenders income worksheet and copy of October XXX #XXX business statement to support income of $XXX with no expense factor | 5.6.2022 Client responded - Please see income worksheet and Oct bank statement for #XXX5.6.2022 Upon further review client sent the XXX statement account XXX dated 10/2021. The lender Income Worksheet is for XXX account XXX. Bank statements in the file used to calculate income is from XXX Account XXX. Still missing the Lender worksheet for account XXX. Exception remains.5.9.2022: Claytons response: Upon further review the income worksheet has been received and the XXX bank statement for October has been received. Exception satisfied. | 5.6.2022 Exception remains5.9.2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is below guideline requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 10420 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 10206 | 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: Representing Credit Score is 803.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has a good credit history with no derogatory account.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit Report, Borrower has a positive mortgage payment history. |
| 10349 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Please provide a business license or CPA/Accountant letter for the borrowers XXX business. The license in the file is expired. | 5.5.2022 Client responded - Please see the attached updated business license. Please clear the exception. 5.5.2022 Upon further review client sent in Business license for XXX with an expiration date of XXX. No further action is required. Exception satisfied. | 5.5.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 12 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 12 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below guideline requirement of 80% for this program. |
| 10207 | 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 below guidelines requirements<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 10350 | XXXXXX | FL | 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 | CRDINC2350 | Missing Stated Income | No | Missing Lender's income worksheet to support income used. Please provide the income spreadsheet for the calculated income. | 5.25.2022 Client responded - please see income worksheet for loan. Please clear the exception. 5.25.2022 Client sent the Lender Income worksheet supporting the income for the borrower. Exception satisfied | 5.25.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is below guideline requirement<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history |
| 10351 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Missing copy and or copies of all forbearance agreements since borrower has not been making mortgage payments, provide all repayment plan payments in the amount of $XXX and cancelled checks evidencing withdraw | 5.31.2022-Clients response: May 27th 2022, 1:39:06 pmPlease see the attached forbearance agreements since borrower has not been making mortgage payments, provide all repayment plan payments in the amount of $XXX. Please clear the exception5.31.2022-Clayton's response: The Forbearance Agreement has been received and reviewed. Please provide the cancelled checks for the April and May payments in the amount of $XXX. If received after XXX we will need the June XXX cancelled check as well. Exception remains.6.1.2022-Clients response: May 31st 2022, 3:19:04 pmPlease see the attached bank statements showing the 3 payments made . Please clear the condition. 6.1.2022-Clayton's response: The printout from bank account XXX #XXX shows the payments of $XXX being withdrawn on 5.5.2022 and 5.29.2022. This is sufficient to clear the exception. Exception is satisfied. | 5.31.2022-Exception remains.6.1.2022-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 10351 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR2400 | Missing Flood Certification Document | No | Missing Flood Certificate | 5.31.2022-Clients response:May 27th 2022, 1:45:55 pmPlease see the attached Flood Cert. Please clear the exception. 5.31.2022-Clayton's response:The flood cert has been provided and the subject property is not in a flood zone. Exception satisfied. | 5.31.2022-Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 10352 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Compliance | Texas Home Equity | Satisfied C B | CMPTXHE119 | Texas Equity - Affidavit of Fair Market Value not signed by lender | No | The affidavit is signed by both borrowers. | Client Responded - 5/20/2022 - Please see the attached Affidavit of Fair Market Value signed by the lender. Please clear the condition.Clayton response 5/23/2022 - Exception was for Lender execution. Lender provided doc that was signed by Lender and borrower. Exception Satisfied | Clayton conclusion: Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co borrower has significant time at current job<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 10352 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Credit | Income/Employment | Satisfied D A | CRDINC2350 | Missing Stated Income | No | Missing Lender's Income worksheets for both borrowers and CPA letter evidencing XXX, expenses covering 24 months to support income used to qualify. | 5.23.2022-Clients response: May 20th 2022, 4:49:17 pmPlease see the attached lenders income and cpa letter . Please clear the exception.5.23.2022-Clayton's response: A letter from the CPA was received and is sufficient to clear this exception. The income statements were also received and are sufficient to clear the exception. Exception is satisfied. | 5.23.2022-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co borrower has significant time at current job<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 10208 | 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 | 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 a copy of the CD dated 05/25/2022 along with an LOX and verification CD was sent to borrower. | Client response: 6/6/2022 - Please see the attached cd dated 05/25/2022 along with an LOX and verification CD was sent to borrower.Clayton response: 6/7/2022 - Client sent CD dated 5/18/2022, E-signed 5/18/2022 and Doc Magic verification. Exception satisfied. | Conclusion: Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guideline requirement 44.53<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 791<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds guidelines - 0 lates |
| 10209 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 5 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 4 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 762 |
| 10210 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 697<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds guidelines - 0 lates<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: High potential for increased earnings - Uptick in rental market per comps |
| 10211 | XXXXXX | TN | (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 | Please provide the final HUD1 or Closing CD that has been signed by all parties. | 5.25.2022 Client responded - Please see attached copy of HUD-1, please clear the exception. 5.25.2022 Client sent in the Final HUD that was signed by the borrower. Exception satisfied. | 5.25.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrowers has resided at the current residence for 16.7 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 741; minimum credit score per guideline is 680.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: The Borrowers has had 0x30 for more than 24 months on Consumer Credit. |
| 10212 | XXXXXX | CO | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Provide additional coverage or replacement costs breakdown. The Hard Insurance Dwelling Coverage is $XXX; Loan amount is $XXX. | 5.23.2022 Client responded - Please see attached letter explaining that 100% replacement cost is covered by policy. Please clear the exception5.23.2022 Client sent in a letter from XXX Insurance Policy # XXX verifying the policy is written with replacement cost coverage and Extra replacement cost coverage is provided by the endorsement. No further action required. Exception satisfied. | 5.23.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been employed with the current employer for 4.6 years and the second employer 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 704; guideline minimum is 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves in the amount of $XXX. |
| 10212 | XXXXXX | CO | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | LTV/CLTV | Satisfied C A | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of 75% is greater than 70% allowed for a cash out refinance with DSCR of 0.8520. Provide exception to allow for 75% LTV | 5.23.2022 Client responded - File shows DSCR of loan is 1.00, not 0.8520. Page 132 of guidelines state that DSCR of 1.00 required for LTV > 70% on Refinance Transactions, therefore still in compliance. Please clear the exception. 5.23.2022 Client is using 1% for DSCR, per the calculations using Actual Rent $XXX/ PITIA $XXX = 0.9497. Did not round the DSCR. Exception remains. 5.25.2022-Clients response: May 24th 2022, 12:08:53 pmLoan was originally underwritten as DSCR, was then changed to full doc (see attached email change) to allow for LTV of 75%. Documentation in income shows w-2's, tax extensions, and other supporting docs for full-doc loan program. Loan exception not needed for file. Left as DSCR by mistake. Please clear the exception5.25.2022-Clayton's response: The file has been reviewed again and the W's, 1040's, verbal verification of employment have been reviewed for a 2 year full document loan and are sufficient to clear this exception. File was a changed to a full document loan-loan approval reflects the change. Exception is satisfied. | 5.23.2022 Exception remains5.25.2022-Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been employed with the current employer for 4.6 years and the second employer 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 704; guideline minimum is 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves in the amount of $XXX. |
| 10212 | XXXXXX | CO | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Property Valuations | Property | Satisfied C A | PRVAPROP2674 | Property Issues Indicated 2 | No | Missing Colored Copy of the Appraisal Dated XXX valued at $XXX. | 5.31.2022 Client responded - Please see attached color copy of the mentioned appraisal, please clear the exception5.31.2022 Client sent the full color copy of Exterior ONLY Appraisal dated XXX. Per guidelines Interior photos are required on all properties to generally depict the living areas, kitchen and bathrooms. Exception remains6.1.2022-Clients response: May 31st 2022, 4:16:02 pm2055 exterior only appraisal will not contain photos of the interior of the property, the interior photos are located in full appraisal done on March 11. reconciliation was done and value of XXX was used. Please clear the exception6.1.2022-Clayton's response: Loan approval required a 2055 exterior appraisal due to the property being purchased in the last 12 months. The appraisal form 2055 does not require interior pictures; the appraisal dated 3.11.2022 has exterior and interior pictures as required. Exception is satisfied. | 5.31.2022 Exception remains.6.1.2022-Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been employed with the current employer for 4.6 years and the second employer 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 704; guideline minimum is 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves in the amount of $XXX. |
| 10213 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing copy of XXX business bank statement #XXX for month of August 2021. Please provide the XXX bank statement for August 2021. | 5.23.2022-Clients response:May 20th 2022, 5:45:49 pmPlease see copy of august 2021 bank statement. Please clear the exception. 5.23.2022-Clayton's response: The bank statement from XXX for August 2021 has been received and reviewed; its sufficient to clear the exception. Exception satisfied. | 5.23.2022-Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history |
| 10214 | XXXXXX | AZ | 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: The Borrower has resided at the current residence for 43 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 24.09%; guideline maximum is 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 763; guideline minimum is 600. |
| 10421 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Please provide evidence of 6 months of PITI reserves. Six months of reserves are $9,011.40 after closing the borrower has $8,688.48 after closing so is $322.92 short of the requirements. | 6.15.2022 Client responded - Disagree with finding.Underwriters Breakdown of Verified Assets:XXX Bank #XXX $XXXXXX Bank #XXX $XXXXXX Bank #XXX $XXXTotal Verified Assets $XXX- $XXX (funds to close) = $XXX (reserves)Please see attached bank statements to support the Underwriters verified assets.6.15.2022 Client sent in Bank statement for XXX Bank accounts #XXX, #XXX and #XXX that support Total assets of $XXX- Funds to close $XXX = total reserves $XXX. Exception satisfied | 6.15.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 766.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 2 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has a good Credit history with no derogatory account. |
| 10421 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR865 | Missing proof of flood insurance in File | No | The subject property is in a flood zone; please provide the flood insurance with sufficient coverage for the property. | 6.14.2022-Clients response:June 14th 2022, 12:05:27 pmPlease see attached Flood Insurance which was in the file. Please clear this exception. 6.14.2022-Clayton's response: The Flood Insurance has been received and is sufficient to clear the exception. Exception is satisfied. | 6.14.2022-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 766.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 2 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has a good Credit history with no derogatory account. |
| 10215 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Missing tax bill and homeowners of XXX, XXX, WA evidencing $XXX monthly per 1003 | 7.12.2022 Client responded - Please see attached tax bill for the mentioned property. Please clear the condition. 7.12.2022 Upon further review client sent the property tax bill for XXX, XXX WA verifying $XXX. Missing the Hazard insurance for this property. Exception remains.7.12.2022 Client responded - Please see attached HOI. Please clear condition.7.12.2022 Upon further review client sent in the hazard insurance declaration for XXX. Showing a premium of $XXX annually and a Rental Swelling property. Exception satisfied | 7.12.2022 Exception remains.7.12.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guideline requirement |
| 10215 | XXXXXX | WA | 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 | CRDINC3204 | Income Documentation Missing | No | Missing XXX #XXXbusiness bank statement for August 2021 as well as updated Lender's worksheet to support use of $XXX monthly income | 7.12.2022 Client responded - Please see attached copy of august bank statement and income worksheet. 7.12.2022 Upon further review the client sent in the August 2021 bank statement for account #XXX verifying deposits of $XXX. and the Lender Income worksheet that verifies $XXX monthly income. Exception satisfied. | 7.12.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guideline requirement |
| 10215 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Title | Satisfied C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Missing updated Title reflecting correct mortgage amount of $XXX | 7.14.2022-Clients response: July 13th 2022, 6:27:41 pmPlease see attached final title. 7.14.2022-Clayton's response: Upon further review the Final Title Policy has been received and the mortgage amount of $XXX is correct. Exception is satisfied. | 7.12.2022 Exception remains, client has not addressed this exception.7.14.2022: Exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guideline requirement |
| 10216 | XXXXXX | IL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied C A | CRDAST205 | Insufficient Funds to Close | No | Missing updated full 2 months bank statements evidencing sufficient funds to close plus reserves | 6.1.2022 Client responded - Per XXX guidelines for investor x page 132 of the guidelines cashout from the loan proceeds MAY be used to satisfy the reserves which this was the case for this loan. Please clear the exception. 6.1.2022 Per the HUD statement in the file, There is no cash to borrower. XXX received $XXX from closing to pay down 2 additional mortgages in return to have the release on two properties, XXX and XXX. There were o funds to use on funds to close and reserves except for the XXX account #XXX and the loan is currently short $XXX for reserves. Exception remains.6.3.2022 Client responded - Please see the attached we had over $XXX in cash out proceeds from all 4 closings with this borrower to satisfy the sufficient funds 6.3.2022 Client sent in HUD statement from other properties that were cash out refinance showing an additional $XXX cash to borrower. Exception satisfied. | 6.1.2022 Exception remains6.3.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession |
| 10216 | XXXXXX | IL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Missing updated 2 months full bank statements evidencing sufficient liquid funds to close plus reserves. Borrower required to bring $XXX to closing with 6 months reserves required $XXX x 6 months = $XXX totaling $XXX less $XXX from XXX account XXX Short $XXX | 6.1.2022 Client responded - Per XXX guidelines for investor x page 132 of the guidelines cashout from the loan proceeds MAY be used to satisfy the reserves which this was the case for this loan. Please clear the exception. 6.1.2022 Per the HUD statement in the file, There is no cash to borrower. XXX received $XXX from closing to pay down 2 additional mortgages in return to have the release on two properties, XXX and XXX. There were o funds to use on reserves except for the XXX account #XXX and the loan is currently short $XXX for reserves. Exception remains6.3.2022 Client responded - Please see the attached hud 1's to cover the reserves. Please clear the condition. 6.3.2022 Client sent in HUD statement from other properties that were cash out refinance showing an additional $XXX cash to borrower. Exception satisfied. | 6.1.2022 Exception remains6.3.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession |
| 10216 | XXXXXX | IL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR2400 | Missing Flood Certification Document | No | Missing flood Certificate. Note: Appraisal states property is located in Flood zone X. | 5.26.2022 Client responded - Please disregard previous note for another file. Please see the attached flood cert Not in a flood zone. Please clear the condition. 5.26.2022 Client sent the Flood Certification zone X. Exception satisfied | 5.26.2022 - Exception satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession |
| 10217 | XXXXXX | CO | 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 C A | PRVAAPPR171 | Subject Photos Unacceptable | No | The appraisal report is missing the subject photos as well as the comp pictures. | 5.27.2022 Client responded - Please see attached Appraisal Photos.5.27.2022 Client sent Appraisal Photos showing subject and comparable pictures. Exception satisfied. | 5.27.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 646.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 17 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of work for 25 years. |
| 10217 | XXXXXX | CO | 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 | PRVAAPPR101 | Appraisal incomplete (missing map, layout, pages, etc) | No | The appraisal report is missing the subject photos as well as the comp pictures. | 5.27.2022 Client responded - Please see attached Appraisal Photos. 5.27.2022 Client sent in complete Appraisal photos and comp pictures. Exception satisfied. | 5.27.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 646.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 17 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of work for 25 years. |
| 10217 | XXXXXX | CO | 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 | PRVAAPPR173 | Comp Photos Unacceptable | No | The appraisal report is missing the subject photos as well as the comp pictures. | 5.27.2022 Client responded - Please see attached Appraisal Photos. 5.27.2022 Client sent in Appraisal with Subject property photos and comp pictures. Exception satisfied. | 5.27.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 646.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 17 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of work for 25 years. |
| 10218 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 766.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has a good credit history with no derogatory account.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit Report, Borrower has a positive mortgage payment history |
| 10219 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | Missing a fully executed Personal Guaranty signed by XXX and XXX. Both own 50% of the Corporation and per guidelines, any owner with 25% or greater is required to sign a personal guaranty. | 7.7.2022 Client responded - Please see the attached Personal Guaranty for XXX. Please clear the exception. Please see the attached Personal Guaranty for XXX. Please clear the exception. 7.7.2022 Upon further review client sent the Personal Guaranty's signed by XXX, 50% owner and XXX, 50% owner of XXX, name on the Note and Deed of Trust / Mortgage. Exception satisfied. | 7.7.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 779<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines - $XXX<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: High potential for increased earnings - XXX per comps in rental market |
| 10353 | 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 been at current residence for over 2 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been the same profession for over 29 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 797 |
| 10220 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 709.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 5 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit Report, Borrower has a positive mortgage payment history. |
| 10221 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Provide the business licenses for both businesses the borrower owns; also a CPA letter verifying percentage of ownership. | 6.28.2022-Clients response:June 28th 2022, 12:42:48 pmPlease see attached entity Info from the state business lookup showing the borrower as owner of the the business entities. Please clear the conditions.6.28.2022-Clayton's response: Received the business verification from the XXX show the borrowers businesses were opened in XXX and XXX. Also received the Articles of Organization of The XXX showing the borrower as the primary manager of the business and are sufficient to clear the exception. Exception is satisfied. | 6.28.2022-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 623.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 11 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit report, Borrower has a good credit history with no derogatory account. |
| 10222 | XXXXXX | CA | 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 | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date | Client response: 6/1/2022 - Please see attached CD issued on 5-19-2022. Please clear this exception.Clayton response: 6/1/2022 - Client provided Esigned CD and doc magic sheet. Exception satisfied | Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 3 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 6 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 773 |
| 10223 | 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 been at current residence for over 23 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 730<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current |
| 10224 | 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 been at current residence for over 4 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 11 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 725 |
| 10225 | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | A | A D C | A | A | Credit | LTV/CLTV | Satisfied C A | CRDLTV3024 | LTV Exceeds Guideline Requirement by less than 5% | No | The LTV is 83.43%; Maximum LTV is 80%. Guidelines allow for points and fees to be financed in the loan, reflected in the LTV. However lender used a valuation of $XXX. Clayton does not know where this valuation is coming from as the appraisal provided in the borrower file shows a valuation of $XXX. Please provide updated valuation to support the $XXX. | 7.7.2022 Client responded - Please see attached appraisal on file that shows value of XXX. Please clear the condition7.7.2022 Upon further review client sent in updated appraisal dated XXX supporting the value of $XXX. This exception was satisfied on 7/5/2022. | 7.5.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The DTI is 31.73%; guideline maximum is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 801; guideline minimum is 660.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has bee in the same profession for 25 years. |
| 10225 | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | A | A D C | A | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR119 | Appraisal documentation does not support occupancy | No | Provide the Appraisal in the Lenders Name; XXX. The appraiser had indicated that the property is vacant; The Property was purchased XXX in cash. Owner occupied transaction. The Appraisal has been performed for XXX. | 7.7.2022 Client responded - Please see updated appraisal. Please clear condition.7.7.2022 Upon further review updated Appraisal dated XXX states the property is owner occupied and interior photo's show evidence of property is not vacant. Exception satisfied. | 7.7.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The DTI is 31.73%; guideline maximum is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 801; guideline minimum is 660.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has bee in the same profession for 25 years. |
| 10225 | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | A | A D C | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | The appraisal in the file is dated XXX valued at $XXX; Sales Price was $XXX XXX when the Borrower purchased the Property. The Lender is using the appraised value of $XXX. Provide the source for the value of XXX being used.CU score provided does support the appraised value of $XXX, but unsure of why the lender used $XXX valuation when there is nothing in borrower file to support that. | 7.7.2022 Client responded - Please see attached appraisal with value of XXX.7.7.2022 Upon further review client sent in an updated appraisal with a value of $XXX dated XXX. Exception satisfied. | 7.7.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The DTI is 31.73%; guideline maximum is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 801; guideline minimum is 660.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has bee in the same profession for 25 years. |
| 10354 | 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 been at current residence for over 12 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 25 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70.75% is below guideline requirement of 80% for this program. |
| 10226 | XXXXXX | NJ | 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: Credit score exceeds guidelines - 703<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession - 9 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guideline requirement - 25.19 / 37.54 |
| 10355 | XXXXXX | OR | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Provide the business license for XXX and a letter from a CPA or Accountant verifying the percentage of the business that the borrower owns. | 7.22.2022 Please see the attached copy of the Business License verifying the percentage of the business that the borrower owns. Please clear the exception. 7.22.2022 Upon further review client sent in the Vehicle Dealer Certificate for XXX Effective XXX and expires XXX and 1003 verifies 100% ownership in the business along with online business search. Exception satisfied.. | 7.22.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 20 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession over 2 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is < 10% |
| 10356 | 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: Credit score exceeds guidelines<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 10052 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Loan Exception made: Guideline FTC seasoned for 60 days; Need an exception to have $XXX funds to close unseasoned - $$ Was wired to escrow $XXX unseasoned. Lender is Allowing $XXX in business funds which are now seasoned to go toward FTC. | 7.22.2022 Client responded - Please see attached ''Approved'' Loan Exception. Please clear this exception7.22.2022 Upon further review client sent in exception form approving the $1981 funds unseasoned. Exception approved by management,. Exception satisfied | 7.22.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower 1 has been XXX with the current company since XXX. Borrower 2 has been with the current employer for 17 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for 7 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrower credit score is 676; guideline minimum is 660. |
| 10227 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 706.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit Report, Borrower has a positive mortgage payment history.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current Residence for 9 years. |
| 10228 | XXXXXX | FL | 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 same profession for over 17 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below guideline requirement of 90% for this program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 720 |
| 10229 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 69.57% is below guideline requirement of 70% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO of 677 is below guideline requirement of 660 for this program |
| 10230 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 728.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has a good Credit history.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV: 63.78Max LTV allowable per Guideline: 75% |
| 10357 | XXXXXX | MD | (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 | Please provide all the pages of the appraisal; the report we received has bottom of some of the pages are cut off. | 7.28.2022: July 28th 2022, 1:12:03 pmPlease see the attached full completed appraisal. Please clear the condition | 7.28.2022-Document received, exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 783<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements - 50.56<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines - $XXX |
| 10231 | 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 75%; guideline maximum is 85%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 16.93; guideline maximum is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 665; guideline minimum is 660. |
| 10232 | 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: Representing Credit Score is 780.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been in line of work for 13 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has a good Credit History with no derogatory accounts. |
| 10358 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH120 | Collections, charge offs, liens, etc. exceed guidelines | No | Provide evidence of the collection to XXX in the amount of $XXX paid in full. Approval allowed it to be paid at closing but it is not on the final HUD 1. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 668<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds guidelines - 0 lates<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines - $XXX |
| 10233 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 10053 | XXXXXX | WA | 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: The borrower has had good history xxx for more than xxx months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The DTI is xxx%; maximum DTI is xxx%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been Self Employed in the same business for xxx years. |
| 10234 | 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 been at current residence for over 7 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 20 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open account are currrent |
| 10235 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 772<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has more than enough reserves |
| 10236 | 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 | Assets | Satisfied D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing cancelled earnest deposit check in the amount of $XXX for sufficient funds to close and reserves requirements | 7.19.2022 Client responded - Please see attached EMD clearance and wire receipt for the XXX. Please clear the condition. 7.19.2022 Upon further review client sent the Title receipt for the $XXX and XXX acct XXX wire transfer to the Title company for $XXX. Exception satisfied. | 7.19.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history |
| 10236 | 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 | Credit/Mtg History | Satisfied D A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Provide a copy of the VOR from the property Management company. Borrower is purchasing the home he has lived in for 7 years and 10 months per the 1003. | 7.19.2022 Client responded - Please see attached VOR. Please clear the condition. 7.19.2022 Upon further review the client sent in VOR from XXX Properties, the property Management Company, for XXX, Borrower and the property XXX, verifying 0x30 from 7/15/2014 to present with $XXX per month in rent.Exception satisfied | 7.19.2022 Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history |
| 10237 | XXXXXX | CA | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Property Valuations | Property | Satisfied C A | PRVAPROP177 | Property Issues Indicated | No | Provide loan exception for property being marked XXX on the appraisal. Per the guidelines on XXX XXX properties are ineligible for this loan program. Please note: The appraisal has XXX sales comparable within 2 miles of the property 2 sales within 6 miles and XXX sales comparable within 15 miles. | 7.12.2022 Client responded - Please see the attached appraisal exception for the XXX property. Please clear the exception. 7.12.2022 Upon further review the client sent in a loan exception for XXX with XXX characteristics Approved by XXX Management. Exception satisfied | 7.12.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 774.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has a good credit history with no derogatory account.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit Report, Borrower has a positive mortgage payment history. |
| 10238 | XXXXXX | VA | 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: The Borrower has resided at the current residence for 10.6 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The LTV is 63.36%; guideline maximum is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 711; guideline minimum is 660. |
| 10239 | 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 C A | CRDINC2488 | Verbal verification of employment missing | No | Please provide a copy of the business license for XXX or a CPA letter verifying the business. | 6.22.2022 Client responded - Please see the attached Business License for XXX. Please clear the exception.6.22.2022 Client sent a copy of the Business license that was filed in the county of XXX in XXX verifying XXX as owner of XXX. Exception satisfied. | 6.22.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 14 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for over 10 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current |
| 10239 | 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 | Title | Satisfied D A | CRDTIL865 | Title incomplete | No | Please provide either the final Title Policy or a commitment supplement that shows XXX as the lender. | 6.22.2022 Client responded - Please see the attached prelim showing XXX as the lender. Please clear the condition. 6.22.2022 Client sent in Preliminary Title Report showing Lender name: XXX. Exception satisfied. | 6.22.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 14 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for over 10 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current |
| 10240 | 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 | APR Tolerance | Satisfied B A | CMPAPRT110 | APR - Insufficient Information for APR-Payment Stream Testing | No | The exception fired after adding the Note to the system.The exception is auto-satisfied upon adding the Note. | 7.28.2022 - Clayton Review- exception is satisfied. | 7.28.2022 exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower one credit score is 747<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have good credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have 24 months in reserves. |
| 10240 | 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 | CMPMAN2478 | Missing Legal Documentation | No | Loan Approval is not in the file. Unable to complete the review. Please provide the Loan Approval. | Client response 7/20/2022: Please see attached loan approval, please clear the condition. Clayton response 7/20/2022: Client provided Loan Approval. Exception is satisfied. | 7.28.2022 exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower one credit score is 747<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have good credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have 24 months in reserves. |
| 10240 | 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 | CMPMAN2952 | Missing Servicing Disclosure | No | Intent to proceed is not in the file. Unable to complete the review. Please provide Intent to proceed. | Client response 7/21/2022: Please see attached intent to proceed. Please clear condition. Clayton response 7/21/2022: Client provided Intent to Proceed dated 5/16/2022. Exception is satisfied. | Clayton conclusion: Upon further review, exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower one credit score is 747<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have good credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have 24 months in reserves. |
| 10240 | 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 | Final CD is not in the file. The Closing date is XXX, the notary date is XXX. Please provide Final CD. | Client response 7/21/2022: Please see attached final CD dated 6/6/2022. Please clear the condition. Clayton response 7/21/2022: Client provided CD dated 6/28/2022. This CD is not signed and appears to be a PCCD/At Funding not a Final CD. The CD provided is issued on 6/28/2022 with Closing date on XXX and Disbursement date on XXX. Please provide a signed Final CD. Exception remains. 7.22.2022-Clients response:July 22nd 2022, 2:24:27 pmPlease see attached signed final CD7.22.2022-Clayton's response: Upon further review the final Closing Disclosure that has been received and has been executed by the borrowers, it is sufficient to clear the exception. Exception is satisfied. | 7.22.2022 exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower one credit score is 747<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have good credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have 24 months in reserves. |
| 10240 | 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 | Documentation | Satisfied D A | CMPDOC195 | Missing Note | No | " Subject property is a Leasehold. No note in the file. We do have Lease agreement pg 127 and Assignments on pgs 158,173, 287-296, and our borrower on 310. assignments show chain of ownership and transfer of Leasehold." | Client response 7/20/2022: Please see attached note. Please clear the condition. Clayton response 7/20/2022: Client provided the executed Note dated XXX. The Note has been added to the system, upon adding the Note the exception is auto-satisfied. | Clayton conclusion: After adding the Note, exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower one credit score is 747<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have good credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have 24 months in reserves. |
| 10240 | 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 | RESPA | Active B | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Please provide List of homeowners counseling organizations. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower one credit score is 747<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have good credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have 24 months in reserves. |
| 10240 | 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 | RESPA | Satisfied D A | CMPRESPA3012 | RESPA - Missing list of Settlement Service Providers | No | Please provide list of Settlement Service Providers | Client response 7/21/2022: Please see attached settlement service providers. Please clear the condition.Clayton response 7/21/2022: Client provided Settlement Service Provider List date 5/16/2022. Exception is satisfied. | 7.28.2022 exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower one credit score is 747<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have good credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have 24 months in reserves. |
| 10240 | 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 | 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 | The interest rate changed from 7.375% Final LE dated 5/18/2022 to 7.125% Initial CD dated 5/23/2022. Please provide the COC supporting this change. | 7.27.2022-Corrected CD provided; exception satisfied | 7.27.2022- Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower one credit score is 747<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have good credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have 24 months in reserves. |
| 10240 | 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 | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3772 | TRID - Error #10 discovered on Loan Estimate | No | Initial LE is not in the file. According to Esign summary dated 5/16/2022 the Initial LE was issued and delivered to the borrower 5/16/2022 on page #303.Please provide initial LE dated 5/16/2022. | Client response 7/20/2022: Please see attached LE, please clear the condition.Clayton response 7/20/2022: Client provided Initial CD dated 5/16/2022. The CD has been added to the system as Initial CD. Exception is satisfied. | 7.28.2022 exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower one credit score is 747<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have good credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have 24 months in reserves. |
| 10240 | 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 | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH189 | Missing credit report | No | Provide the credit report. | 7.22.2022-Clients response:July 20th 2022, 4:26:02 pmPlease disregard previous credit report, please see report named ''CREDIT REPORT CORRECT'' 7.22.2022-Clayton's response: Upon further review the credit report has been received and the debts have been added to eclas. This is sufficient to satisfy the exception. Exception is satisfied. | 7.22.2022-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower one credit score is 747<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have good credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have 24 months in reserves. |
| 10240 | 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 | Credit | DTI | Satisfied C A | CRDDTI187 | Debt Ratio > 50% | No | Please provide all income documentation for B1 and B2 | 7.28.2022-Exception is satisfied with updated 1003/income docs | 7.28.2022 exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower one credit score is 747<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have good credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have 24 months in reserves. |
| 10240 | 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 | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Provide all documents required to verify the employment. | 7.22.2022-Clients response:July 20th 2022, 3:55:53 pmPlease see attached income docs, please clear the condition. 7.22.2022-Clayton's response: Upon further review the income documents have been received and are sufficient to clear the exception. Exception is satisfied. | 7.22.2022-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower one credit score is 747<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have good credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have 24 months in reserves. |
| 10240 | 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 | Credit | Income/Employment | Satisfied C A | CRDINC889 | Income is Not Reasonable | No | Provide all documents required to verify the employment. | This file was received initially with no income documents; other exceptions have cleared this exception. | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower one credit score is 747<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have good credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have 24 months in reserves. |
| 10240 | 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 | Credit | Income/Employment | Satisfied D A | CRDINC2302 | Missing Required Income Documentation | No | Provide all income documents used to qualify the borrowers. | 7.22.2022-Clients response:July 20th 2022, 2:21:20 pmPlease see file with all attached income docs, Please clear the condition. 7.22.2022-Clayton's response: Upon further review the verification of employment for both borrowers has been reviewed and is sufficient to clear the exception. Exception is satisfied. | 7.22.2022-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower one credit score is 747<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have good credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have 24 months in reserves. |
| 10240 | 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 | Credit | Insurance | Satisfied D A | CRDINSR2400 | Missing Flood Certification Document | No | Provide Flood Certification. | 7.22.2022-Clients response: July 20th 2022, 1:55:07 pmPlease see attached flood cert, please clear condition. 7.22.2022-Clayton's response: Upon further review the Flood Cert is not in the folder. Please upload so we may clear the condition. Exception remains.7.22.2022-Client's response: July 22nd 2022, 2:07:30 pmPlease see attached flood cert, please clear the condition.7.22.2022-Clayton's response: Upon further review the Flood Certification has been received and is sufficient to clear the exception. Exception is satisfied. | 7.22.2022-Exception remains.7.22.2022-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower one credit score is 747<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have good credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have 24 months in reserves. |
| 10240 | 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 | Credit | Insurance | Satisfied D A | CRDINSR848 | Missing Hazard Insurance | No | Provide the Hazard insurance. | 7.22.2022-Clients response:July 20th 2022, 1:51:18 pmPlease see attached hazard insurance policy. Please clear the condition. 7.22.2022-Clayton's response: Upon further review the insurance declaration page that was received is the master policy for the condominium project. Please provide the homeowners insurance policy. Exception remains.7.22.2022-Client's response: July 22nd 2022, 2:03:56 pmPlease see attached insurance policy, Please clear the condition7.22.2022-Clayton's response: Upon further review the Homeowners Insurance has been reviewed and is sufficient to clear the exception. Exception is satisfied. | 7.22-2022-Exception remains.7.22.2022-Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower one credit score is 747<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have good credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have 24 months in reserves. |
| 10240 | 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 | Credit | Legal Documents | Satisfied D A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | Please provide the loan approval and all other documents that were not received in the original file. | 7.22.2022-Clients response: July 20th 2022, 1:36:28 pm Please see attached loan approval and other documentation. Please clear the condition. 7.22.2022-Clayton's response: Please upload the condition so it can be reviewed. Exception remains. 7.25.2022 Clients response: Please see attached loan approval 7.25.2022 Clayton's response: Upon further review of approval Exception satisfied. | 7.22.2022-Exception remains. 7.25.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower one credit score is 747<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have good credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have 24 months in reserves. |
| 10240 | 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 | Appraisal | Satisfied C A | PRVAAPPR257 | Appraisal form does not match property type(Condo) | No | Provide the appraisal. | 7.22.2022-Clients response: July 20th 2022, 1:28:36 pmPlease see attached DOT with XXX rider. Please clear the condition.7.22.22-Clayton's response: Upon further review the comments were put in the appraisal condition. Please provide the appraisal so we may review. Exception remains.7.22.2022-Clients response:July 22nd 2022, 2:12:15 pmPlease see attached appraisal.7.22.2022-Clayton's response: Upon further review of the appraisal report; the subject property is a XXX and the appraisal is on form 1004; new appraisal on form 1073 required. Exception remains.7.27.2022-Client Response- Provided updated appraisal on correct form 10737.27.2022-Clayton Response- Provided appraisal form 1073 satisfies condition. | 7.22.2022-Exception remains.7.22.2022-Exception remains.7.27.2022-Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower one credit score is 747<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have good credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have 24 months in reserves. |
| 10241 | XXXXXX | WY | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The LTV is 56.25%; guideline maximum is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 776; guideline minimum is 600.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The Mortgage payment history has been 0x30 for more than 12 months. |
| 10422 | XXXXXX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guidelines requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history |
| 10242 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current home for 6.6 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been in the same profession for 5 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: The Borrowers have had Good credit history 0x30 for more than 24 months. |
| 10243 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for 4 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The Borrower has had 0x30 for more than 12 months on the current Mortgage Obligations.<br>CFCFS2860: Good credit history<br> - Clayton Comments: The Borrower has had good credit history 0x30 for more than 24 months. |
| 10244 | 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: Significant time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history |
| 10786 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 71.40% is below guideline requirement of 75% for this program<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves are enough to cover the loan |
| 10245 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 9 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 66.67% is below guideline requirement of 75% for this program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 758 |
| 10246 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Seller CD is not in the file. Unable to complete the review. Please provide Seller CD. | Client response 7/21/2022: Please see attached seller CD. Please clear the condition. Clayton response 7/21/2022 The attachment is not found. Please re-send the Seller CD. Exception remains. 7/22/2022 - Client response - Please see attached Sellers CD, please clear the condition. 7/26/2022 - Clayton response - Client provided the Seller CD.Client response 7/21/2022: Please see attached sellers CD. Clayton response 7/22/2022: An attachment that corresponds to the loan number XXX is not found in the folder. Please re-send the Seller CD. Exception remains. | Clayton conclusion: The attachment is not found. Exception remains.Clayton conclusion: The attachment is not found. Exception remains.7/26/2022 - Conclusion - Exception satisfied. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guideline requirement |
| 10246 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing copy of business license, third part documentation for percentage of ownership, missing XXX December 2021 bank statement to support deposit and income. Explanation for use of 100% use of business deposits into XXX if borrower is only 50% owner per her LOX. | 7.22.2022 Client responded - Please see attached bank statement, CPA letter, and business license. 7.22.2022 Upon further review client sent the Business License and the XXX1 Bank statement for XXX that verifies income. Exception satisfied | 7.22.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guideline requirement |
| 10246 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Missing correct Hazard Insurace insurance with effective date of closing XXX. Closing Disclosure show disbursement date of XXX. Hazard effective date is XXX through XXX. | 7.22.2022 Client responded - Please see attached hazard policy, please clear the condition. 7.22.2022 Upon further review the client sent in the Hazard Insurance Policy verifying effective date of XXX through XXX. Exception satisfied. | 7.22.2022 Exception satisfied. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guideline requirement |
| 10246 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Credit | Terms/Guidelines | Active C B | CRDTER3122 | Loan documents do not meet guideline requirements | No | XXX program requires $XXX equity remaining; determined by home value / loan amount. Lender exception in file for not meeting guidelines. Appraised value $XXXLoan amount $XXXEquity position $XXX | 7.27.2022- SR U/W upon further review, deemed non-material, exception in file. Comp factors present, fico 688, LTV 80%, DTI 13/30, 46 months PITIA. Exception remains. | 7.27.2022-Exception Remains-deemed non-material, Grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guideline requirement |
| 10247 | XXXXXX | FL | 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 same profession for over 6 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is < 40%<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current |
| 10248 | XXXXXX | RI | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC3280 | One or more Applications in file are incomplete | No | Provide a complete application for XXX; she signed the Note but does not show her owning 25% or more on the Articles of Incorporation. Please clarify her role on the transaction. File contains a 1003 with her name on it but the rest of it is blank; need clarification. | 7.8.2022 Client responded - Please see attached XXX Response. Please clear this exception. XXX response: DISAGREE: Personal guarantors do not need to be applicants. A personalguarantor is anyone who owns more than 25% of the entity or anyone who islisted as an applicant. Guarantor 2 is not an applicant; therefore, creditinformation and an application are not required. According to the OperatingAgreement for XXX, XXX holds a 50% ownershipinterest in the entity. Since she owns more than 25% she must be listed as apersonal guarantor even if he is not an applicant. Please see attached OperatingAgreement.7.8.2022 Upon further review there is an application in the file in the name of XXX stating applying for credit with XXX. The application for XXX is not completed. However, the Note and the Mortgage/Deed of Trust was signed by both Guarantors and are in the name of XXX. Requesting a completed application for the Co-Guarantor, XXX. Exception remains7.18.2022 Client responded - The application in file was an internal document and was not intended to be delivered with thefile. There was no credit application completed for XXX as none was required. XXX isa signer on the documents because of the LLC. The application was a mistake and was neverused. It is not an indication that XXX was part of the loan.7.18.2022 Upon further review Application in the file for XXX states he is applying for individual credit. The LLC shows both borrowers as 50% owners per the Operating Agreement Asked for the 1003 for XXX due to application being in the file and Note and Mortgage were signed by XXX. Exception remains7.21.2022- After further review from Clayton SR UW, review of the documents in file and the operating agreement, only XXX is the only applying for credit. XXX is not listed as additional borrower only listed on the operating agreement owning more than 25%. I have removed XXX from the application in our system, however can understand the confusion as there was an incomplete application in the file for XXX. Client has stated this was included in error. Exception has been satisfied. | 7.8.2022 Exception remains.7.18.2022 Exception remains7.22.2022 Exception has been satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 73; guideline minimum is 680.<br>CFCFS2860: Good credit history<br> - Clayton Comments: The Borrower has had 0x30 for more than 24 months on the consumer credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves are remaining in the amount of $XXX after required reserves have been satisfied. |
| 10248 | XXXXXX | RI | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Provide the Payment History for the REO property located at XXX from XX payment in the amount of $XXX. | 7.8.2022 Client responded - Please see attached Pay History information for XXX. Please clear this exception. Thank you. 7.8.2022 Upon further review client sent in a copy of the Note for XXX , XXX verifying the loan is a balloon Note due and payable on the Maturity Date with one payment (no monthly payments) on XXX. Also monthly payment letter verifying payments to begin XXX to XXX in the amount of $XXX , first payment verified with XXX statement. Exception satisfied | 7.8.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 73; guideline minimum is 680.<br>CFCFS2860: Good credit history<br> - Clayton Comments: The Borrower has had 0x30 for more than 24 months on the consumer credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves are remaining in the amount of $XXX after required reserves have been satisfied. |
| 10249 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 675.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 17 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit report, borrower has a positive mortgage payment history.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit report, Borrower has a good credit history with no derogatory account. |
| 10038 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 729.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 3 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV: 69.95Max LTV Allowable per Guideline: 75% |
| 10250 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | A B | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B 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. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements - 75.00<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 653<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines - $XXX |
| 10251 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The LTV is 75% guideline maximum is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 716 guideline minimum is 700. |
| 10252 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 1 year and 6 mos.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 5 years<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current |
| 10253 | XXXXXX | NV | (No Data) | ATR/QM: Exempt C | A | A C B | A | A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Note is dated XXXPolicy period: XXX - XXXPrior Insurance in file dated XXX- XXX | 6.24.2022-Clients response:June 24th 2022, 12:51:32 pmPlease see the attached updated Ins policy.. please clear the condition6.24.2022-Clayton's response: Received the Homeowners Declaration page show the policy effective from XXX through XXX. Exception is satisfied. | 6.24.2022-Exception is satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 772.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 7 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has a good Credit Report with no derogatory account.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit report, borrower has appositive mortgage payment history |
| 10253 | XXXXXX | NV | (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 | BPO Valued property at $XXXReconciliation not in file. | 6.24.2022-Clients response: June 24th 2022, 1:34:10 pmPlease see the attached guidelines showing that if the CU Score is > 2.5, property type is not one-unit SFR/PUD/Condo, or warning messages indicate potential overvaluation, XXX will order a desk review. If the Desk Review is within 10% of the appraised value, the value of the appraisal will generally be deemed supported. Please clear the condition.6.24.2022-Clayton's response: The Fannie Mae DSCR has a score of 1; all scores under 2.5 are acceptable and this is sufficient to support the value. Exception is satisfied. | 6.24.2022-Exception is satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 772.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 7 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has a good Credit Report with no derogatory account.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit report, borrower has appositive mortgage payment history |
| 10254 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide the business license for XXX and a letter from an accountant verifying the percentage of ownership. | 7.5.2022 Client responded - Please see the attached business license for XXX and a letter from an accountant verifying the percentage of ownership. Please clear the condition. 7.5.2022 Upon further review client sent letter for CPA verifying that the borrower XXX is 100% owner of XXX and License information from the state of California and Department of Real Estate a copy of the license for XXX. Exception satisfied. | 7.5.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 7 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 9 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 794 |
| 10255 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history |
| 10256 | 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: Representing Credit Score is 724.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has a good credit history with no derogatory account.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV: 81.60Max LTV Allowable per Guideline: 90% |
| 10257 | XXXXXX | IL | 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: The LTV is 35.09%; guideline maximum is 90%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for 5 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The Borrower has been XXX with the current job for more than 23 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same profession for 23 years. |
| 10258 | XXXXXX | AZ | 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 exceed guidelines - $XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 693<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guideline requirement - 31.89 / 39.97 |
| 10259 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements |
| 10359 | XXXXXX | WI | 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 exceed guidelines - $XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 726<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guideline requirement - 35.80 / 36.13 |
| 10260 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | Missing signed addendum to sales contract reducing sales price to $XXX | 7.5.2022 Client responded - Please see the attached signed addendum to sales contract reducing sales price to $XXX. Please clear the exception.7.5.2022 Upon further review client sent the Purchase Contract Amendment verifying a purchase price of $XXX. Exception satisfied. | 7.5.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 10261 | 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 | Gift letter has no amount. Please provide completed form and supporting documentation. | 7.6.2022 Client responded - There was no gift letter used on this loan. Please clear the condition. 7.6.2022 Upon further review the letter of explanation for the gift stated funds to be given at closing if needed. Therefore no amount was listed on the gift letter. HUD does not show any gift funds. Exception satisfied. | 7.6.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds guidelines - 0 lates<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 710<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: High potential for increased earnings - Based on comps, high market uptick for rental |
| 10261 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Borrowers are short for the 6 months of reserves required; after closing the borrowers have $XXX and need $XXX to meet the six mouth requirement. Please provide additional assets which may come from the gift letter. | 7.6.2022 Client responded - Please see the attached additional assets to meet the 6th month requirement. Please clear the condition.7.6.2022 Upon further review client sent in additional documentation verifying additional 6 month requirements for reserves. Exception satisfied. | 7.6.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds guidelines - 0 lates<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 710<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: High potential for increased earnings - Based on comps, high market uptick for rental |
| 10262 | XXXXXX | CA | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | LTV/CLTV | Satisfied C A | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | The LTV is 76.50%; is greater than 70% allowed per guidelines for the DSCR is 0.7535; LTV adjustment guideline minimum is 70%. HUD shows 1.75% in discount financed in the loan the MPO shows LTV of 75%. Please provide loan exception for the 76.50%. | 7.6.2022 Client responded - Disagree with finding: XXX Guidelines dated 6/1/2022 allows 75% LTV on DSCR 0.75%,cash-out refinance with 744 fico score. Please see attached 6/1/2022 InvestorX guidelines.7.6.2022 Upon further review per the 6/1/2022 75% LTV is allowed with cash-out refinanace and 744 credit score. Points financed for 76.5% LTV is allowed per guidelines. Exception satisfied. | 7.6.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current home for 3.7 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 744; guideline minimum is 680.<br>CFCFS2860: Good credit history<br> - Clayton Comments: The Borrower has had 0x30 for more than 24 months on the consumer history. |
| 10263 | XXXXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 71.40%; guideline maximum is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 764; guideline minimum is 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The Borrower has 0x30 on the Mortgage history for more than 12 months. |
| 10423 | XXXXXX | CT | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | Provide Final HUD 1 Settlement statement. File does not contain a HUD or Final Closing Disclosure. | 8.2.2022 Client responded - Please see the attached final Hud 1. Please clear the exception8.2.2022 Client sent Final HUD. Exception satisfied | 8.2.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 10423 | XXXXXX | CT | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Terms/Guidelines | Active C B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Loan does not meet $XXX minimum equity position. | (No Data) | 8.10.2022-Exception has been reviewed by Sr. Clayton Underwriter. Exception approval provided for equity in the property less than $XXX, exception remains, however deemed non-material due to this not being a fatal issue. The compensating factors are high fico score of 746, DSCR of 1.01, and 8 months in reserves. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 10423 | XXXXXX | CT | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Title | Satisfied C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Missing updated title reflecting correct mortgage amount $XXX | Client's response: August 4th 2022, 12:48:54 pmPlease see the attached copy of the recorded DOT showing correct mortgage amount $XXX Please clear the exception. | 8.5.2022-Document received, exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 10264 | XXXXXX | AL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | DTI | Satisfied C A | CRDDTI187 | Debt Ratio > 50% | No | Loan approval with ratios of 53.88% | 7.5.2022 Client responded - Guidelines for XXX program state ''55% with max 80% LTV, $XXX per month disposable and 0x30 mortgage'' the borrower meets all the criteria and therefore no loan exception needed. Please clear the condition. 7.5.2022 Upon further review, loan program will allow up to 55% DTI with max LTV of 80%. Loan LTV is 80% and borrower residual income $5,048.78 is greater than $4000 per month. Exception satisifed. | 7.5.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history |
| 10264 | XXXXXX | AL | 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 C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing 12 full months of bank statements for same account which Lender is using to determine income. Lender to provide updated income worksheet indicating name of bank and account number to determine income. LOX for not using and or providing 12 months business accounts since 3 months have been provided | 7.6.2022 Please see attached corrected income worksheet containing the account number and name. Please clear the condition. 7.6.2022 Upon further review the client sent in the Lender Income Worksheet for XXX account #XXX which corresponds with the 12 bank statements in the file from XXX to determine income. Exception satisfied. | 7.6.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history |
| 10264 | XXXXXX | AL | 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 | CRDINC3204 | Income Documentation Missing | No | Missing Self Employment Business Questionnaire and Certification completed by borrower. CPA letter or other documentation evidencing the length of time the borrower has owned XXX and document borrowers percentage of ownership | 7.5.2022 Client responded - Please see attached CPA letter and questionnaire. Please clear the condition. 7.5.2022 Upon further review the client sent the XXX Questionnaire and a letter from the CPA verifying 100% ownership of the XXX by the borrower XXX. Exception satisfied. | 7.5.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history |
| 10265 | XXXXXX | NJ | 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 | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX | Client response 7/7/2022: Please see attached Closing Disclosure issued and acknowledged 6-24-2022. Please clear this exception. Thank youClayton response 7/8/2022: Client provided CD issued on 6/24/2022, e-signed by the borrower on 6/24/2022. Consummation date is XXX. The loan consummated timely. Exception is satisfied. | Clayton conclusion: Exception is satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit history exceed guidelines<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Significant housing expense reduction |
| 10424 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for 10 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 693; guideline minimum is 680.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: The Borrower has had 0x30 for more than 24 months on the consumer credit history. |
| 10266 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 71.40% is below guideline requirement of 75% for this program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 684<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current |
| 10360 | XXXXXX | NJ | 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 of 83.28% is below guideline requirement of 90% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 766 |
| 10267 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verify cash reserves exceed guidelines |
| 10268 | 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 been at current residence for over 4 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 720 |
| 10269 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been in the same profession for 6.7 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 59.80%; guideline maximum is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrower Credit score is 776; guideline minimum is 680. |
| 10425 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 30 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 699<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current |
| 10270 | XXXXXX | OR | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements - 57.27<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines - $XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds guidelines - 0 lates |
| 10119 | XXXXXX | GA | 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 | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | xxx pay stream has an APR of xxx% while the final CD dated xxx has an APR of xxx% This is a difference of xxx%, which exceeds the allowable tolerance change of xxx% in APR with no reflective change of circumstance in file. | xxx - Client response - Changed circumstance was disclosed to the borrower on xxx, increasing the interest rate from xxx% to xxx%. This bumped the APR from xxx% to xxx% (see attached COC and LE issued xxx. CDs issued xxx and xxx both disclosed APRs of xxx% - well within tolerance of the xxx% disclosed on the final LE. | xxx conclusion - Exception satisfied. Reviewed by xxx SR UW, client provided COC and LE showing interest rate change. APR from Final LE to Final CD APR difference is within tolerance. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over xxx years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over xxx years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI < xxx |
| 10271 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines - $XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 801<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds guidelines - 0 lates |
| 10272 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds guidelines - 0 lates<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 718<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence - 7 years |
| 10273 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | B | A D | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B 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 | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 2 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 8 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO score on approval is 778\* |
| 10273 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | B | A D | B | A | Credit | Legal Documents | Satisfied D A | CRDLGL2277 | Note Not Executed | No | Provide the executed Note that has been signed by the borrower; the file has a Note that belongs in a different loan file. | 7.7.2022-Clients response: July 6th 2022, 4:04:20 pmPlease see attached copy of the correct note, please clear the condition. 7.7.2022-Clayton's response: Upon further review the Note for the subject property has been received and has been executed by XXX. This is sufficient to clear the exception. Exception is satisfied. | 7.7.2022-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 2 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 8 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO score on approval is 778\* |
| 10273 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | B | A D | B | A | Credit | Legal Documents | Satisfied D A | CRDLGL2864 | Copy of Mortgage/Deed in file is incomplete | No | Provide the executed mortgage that has been notarized; the mortgage in the file does not belong to this borrower. | 7.7.2022-Clients response: July 6th 2022, 4:05:01 pmPlease see correct copy of the deed of trust. Please clear condition.7.7.2022-Clayton's response: Upon further review the executed Mortgage has been received and has signed by XXX. It is sufficient to clear the exception. Exception is satisfied. | 7.7.2022-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 2 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 8 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO score on approval is 778\* |
| 10274 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 10275 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | Provide page 2 of the Prepayment Addendum to the Note. Missing the second page and the borrowers execution of the document. | 7.7.2022 Client responded - Please see the attached page 2 of the Prepayment Addendum to the Note. Please clear the exception. 7.7.2022 Upon further review client sent page 2 with signatures to the Multistate Prepayment Addendum to the Note. Exception satisfied. | 7.7.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 71.40%; guideline maximum is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 764; guideline minimum is 680.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The Borrower has had 0x30 for more than 12 months on the current Mortgage History. |
| 10426 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 811.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived at current Residence for 9 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has a good Credit history with no derogatory account. |
| 10276 | 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 been at current residence for over 2 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below guideline requirement of 85% for this program<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 701 |
| 10277 | 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: The Borrower has resided at the residence for 19.11 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been in the same profession for 16.10 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 22.93%; guideline maximum is 50%. |
| 10361 | XXXXXX | PA | 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 been at current residence for over 17 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 10 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 714 |
| 10278 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 12 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 12 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70.08 is below guideline requirement of 80% for this program. |
| 10362 | XXXXXX | CA | 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 70.88% guideline maximum is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 679; guideline minimum is 640.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been employed in the same profession for 30 years. |
| 10279 | 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: Representing Credit Score is 724.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived at current residence for 6 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been in line of work for 24 years. |
| 10280 | XXXXXX | MO | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 719<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession - 7 years<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: High potential for increased earnings - XXX per comps in rental market |
| 10281 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | Provide the addendum to the purchase contract that shows the sales price as $XXX. | 7.13.2022-Clients response: July 13th 2022, 3:32:31 pmPlease see attached Counteroffer to $XXX Purchase Price. Please clear this exception.7.13.2022-Clayton's response: Upon further review the Seller Counter Offer No 1 has been received and shows the purchase price of $XXX. This is sufficient to clear the exception. Exception is satisfied. | 7.13.2022-Exception is satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 2 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for over 2 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below guideline requirement of 75% for this program. |
| 10282 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Missing Insurance with effective date same as closing date | 6.28.2022 Client responded - Please see attached Hazard Ins and Flood Ins which were effective XXX, loan funded XXX. Please clear this exception. 6.28.2022 Client sent Hazard Declaration showing policy effective date of XXX to XXX. Per the Post Closing Disbursement date is XXX. Exception satisfied. | 6.28.2022 Exception satisfied. | Not Applicable | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 10282 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Insurance | Satisfied C A | CRDINSR5352 | Flood Effective date is greater than the transaction date | No | Missing Flood insurance with effective date as of date of closing | 6.28.2022 Client responded - Please see attached Hazard Ins and Flood Ins which were both effective XXX, loan funded XXX. Please clear this exception. 6.28.2022 Client sent in the Flood Insurance Declaration with effective dates of XXX through XXX. Loan disbursed on the XXX. Exception satisfied. | 6/28/2022 Exception satisfied. | Not Applicable | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 10282 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Title | Satisfied C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Missing updated title with mortgage amount and Lender | 6.28.2022 Client responded - Please see attached Title Supplement which was in the file. Please clear this exception. Thank you6.28.2022 Client sent the Title supplement showing the buyer as XXX, Purchase Price $XXX Lender as XXX and Loan amount $XXX. Exception satisfied | 6.28.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 10283 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Title | Satisfied C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Provide updated Title with correct borrower, loan amount and proposed insured. | 7.27.2022- Client Response- Provided loan policy with schedules A and B in borrowers name7.27.2022-Clayton Response- Provided documentation satisfies exception | 7.27.2022-Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 781.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has a good Credit history with no Derogatory Account.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of work for 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV: 75%Max LTV Allowable per Guideline : 90%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 7 years. |
| 10054 | XXXXXX | MD | 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: Representing Credit Score is xxx.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived at current residence for xxx years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has lived at current for xxx years. |
| 10284 | XXXXXX | KS | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history - 0 lates<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 781<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: High potential for increased earnings - Uptick in rental market per comps |
| 10285 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH148 | Credit report stale dated at closing | No | Missing updated credit report with borrowers correct Social Security number. | 7.21.2022 Client provided credit report dated 6/17/2022 with incorrect Social Security Number per Final loan application. 7.21.2022 Exception remains. 7.25.2022 Client response: Please see attached credit report. On page 10 of report, it shows all three credit bureaus had the correct social; security number and information. Therefore report is still valid. Please clear the condition. 7.25.2022 Clayton response: Upon further review of credit report sufficient evidence of correct social security number for borrower. No alerts noted on Credit report and matches initial social security number by borrower. | 7.21.2022 Exception remains. Updated credit report dated 6/17/2022 does not reflect the borrowers correct social security number as reflected on the Final Loan Application initialed by borrower. 7.25.2022-Exception cancelled. 7.28.2022-Exception has been satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit history exceeds guidelines |
| 10286 | 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 1 has been in the same profession for 15 years. Borrower 2 has been in the same profession for 12 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for 3.10 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 700; guideline minimum is 660. |
| 10363 | XXXXXX | AZ | 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: Representing Credit Score is 643.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 20 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrowers have been in line of work for 5 years. |
| 10364 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines |
| 10287 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 729<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over a year |
| 10288 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 727.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has a good credit history with no derogatory account.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit Report, Borrower has a positive mortgage payment history. |
| 10289 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Provide a homeowner's declaration page showing the effective date of XXX; the day of closing. The HOI in the file has an effective date of XXX through XXX. | 7.7.2022-Clients response: July 6th 2022, 1:19:22 pmPlease see the attached homeowner's declaration page showing the effective date of XXX. Please clear the condition.7.7.2022-Clayton's response: Upon further review the Homeowners Declaration page has been received and shows the effective date of the policy as XXX through XXX. This is sufficient to clear the exception. Exception is satisfied. | 7.7.2022-Exception is satisfied. | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job - 15 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guideline requirement - 30.70 / 46.46<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 656 |
| 10290 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 10291 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Provide updated Hazard Insurance Declaration. Insurance effective date is XXX. Disbursement date is XXX. | 7.12.2022 Client responded - Please see attached copy of policy of effective XXX - XXX.7.12.2022 Upon further review client sent the Hazard Insurance Declaration with effective dates of XXX through XXX. Disbursement date was XXX. Exception satisfied. | 7.12.2022 Exception satisfied. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 8 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 8 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 717 |
| 10292 | XXXXXX | WA | 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 been at current residence for over 10 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 7 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is < 30% |
| 10427 | XXXXXX | CA | (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 | Provide the final HUD1 with all pages. The one in the file is cut off at the bottom on all pages. | 8.2.2022 Client responded - Please see attached complete copy of HUD-1, please clear the condition,8.3.2022-Client's response: Please see attached complete copy of HUD-1, please clear the condition, | 8.2.2022 - Clayton did not receive HUD. Client did not send HUD. Exception remains.8.3.2020-HUD1 received, exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines - $XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 741<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements - 62.50 |
| 10427 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR100 | Missing Appraisal | No | Provide full appraisal with all pages; the one in the file is cut off at the bottom on all of the pages. | 8.2.2022 Client responded - Please see attached completed appraisal. Please clear the condition. 8.2.2022 Client sent in a complete appraisal. Exception satisfied | 8.2.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines - $XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 741<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements - 62.50 |
| 10293 | XXXXXX | OR | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 749.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has a good credit history with no derogatory account.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV :$62.50Max LTV Allowable per guideline: 80%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of work for 10 years. |
| 10294 | XXXXXX | GA | 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: The Borrower has resided at the current residence for 14.1 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been in the same profession for 18.5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 757; guideline minimum is 600. |
| 10295 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Missing satisfactory rental history past 12 months. LOE in file states rental contract is in the name of his mother. | 7.19.2022-Client's response: July 19th 2022, 12:27:27 pmPlease see attached rental leases in the name of the borrower's mother only. Please clear the condition. 7.19.2022-Clayton's response: Upon further review the Recertification Notice from the US Dept. of Housing and Urban Development and the Lease Amendment from the property manager XXX Management for the property located at XXX has been received and verifies the property has been leased and the monthly payments have been received; this is sufficient to clear the condition. Exception is satisfied. | 7.19.2022-Exception is satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 10296 | 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 been at current residence for over 2 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 12 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 735 |
| 10365 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan to value of 71.40% is below the max LTV for the loan program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has provided letters of reference from his bank in Europe.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 8 months in reserves. |
| 10366 | 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: The Borrower has been in the same Profession for 15.6 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for 8 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 651; guideline minimum is 640. |
| 10297 | XXXXXX | NJ | 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 | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Clayton Pay stream has a APR of 7.6015%. Final CD dated 07/01/2022 #2 has an APR of 7.738%. This is a difference of 0.1365% is APR change, which exceeds the allowable tolerance change of 0.125%. There is not a valid Change of circumstance in file for change | 7/14/2022 - Client response : Please see the attached Final cd showing that the APR of 7.738% does not exceed tolerance which there is no change of circumstance. Please clear the exception.7/14/2022 - Clayton response : Client provided Final CD showing APR 7.738 dated 7/1/2022. CD dated 6/28/2022 APR is 7.681 which is a difference of .057, within tolerance. | 7/14/2022 - Exception satisfied. Upon further research APR difference is within .125 tolerance. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 10298 | XXXXXX | IL | 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: Representing Credit Score is 703.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 8 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has being in job position for 5 years. |
| 10299 | XXXXXX | ID | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Title | Satisfied C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Provide updated Title showing property vested in XXX. Commitment in file shows property currently vested in XXX. There is no Quit Claim Deed showing transfer. Loan closed in the name of XXX. | 7.21.2022 Client provided Warranty Deed reflecting subject conveyed to XXX. | 7.21.2022 Satisfied. Client provided Warranty Deed reflecting subject conveyed to XXX. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements - 41.13<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 767<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Postive mortgage payment history - 0 lates |
| 10367 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Title | Satisfied C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Provide updated title showing XXXas insured. Preliminary title shows property vested in Trust No. XXX dated XXX, XXX | 7.28.2022-Clients response: July 28th 2022, 12:53:37 pmPlease see attached quit claim deed granting interest to XXX, please clear the condition. | 7.28.2022: Documents received; exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 34 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 64.60% is below guideline requirement of 75% for this program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 742. |
| 10368 | XXXXXX | FL | 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: The Borrower has been employed in the Same Profession for 16 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 83.08%; guideline maximum is 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 720; guideline minimum is 700. |
| 10300 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Provide a CPA letter that states the percentage of the business, XXX, that the borrower owns. | 7.7.2022-Clients response: July 6th 2022, 1:39:49 pmPlease see the attached Business License for XXX bwr is the sole owner. Please clear the exception.7.7.2022: Clayton's response: Upon further review the business license for XXX shows that the borrower has sole ownership and this is sufficient to clear the exception. Exception is satisfied. | 7.7.2022: Exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 18 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 744<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI < 25% |
| 10300 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC890 | Employment is Unsupported by Documentation in File | No | Provide the borrowers business license for the business XXX | 7.7.2022-Clients response: July 6th 2022, 1:34:59 pmPlease see the attached Business License. please clear the exception. 7.7.2022-Clayton's response: Upon further review the business license for XXX has been received and is sufficient to clear the exception. Exception is satisfied. | 7.7.2022: Exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 18 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 744<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI < 25% |
| 10428 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 20 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 29.76% is below guideline requirement of 75% for this program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 774 |
| 10429 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 764.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit report, Borrower has a good credit history with no derogatory account.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 20 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit Report, Borrower has a positive mortgage payment history. |
| 10301 | XXXXXX | MI | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No | Provide updated Hazard Insurance with updated effective dates and premium amounts with XXX as the mortgagee. File contains an outdated policy. | 7.21.2022 Client provided Hazard Binder with effective date XXX - XXX, 2021 Policy reflected is pain in full with renewal policy XXX premium due of $XXX. Binder reflects XXX as mortgagee. | 7.21.2022 Satisfied. Client provided Hazard Binder with effective date XXX - XXX, 2021 Policy reflected is pain in full with renewal policy XXX premium due of $XXX. Binder reflects XXX as mortgagee. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history |
| 10055 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 723.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 5 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit report, Borrower has a good credit history with no derogatory account.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit Report, Borrower has a positive mortgage payment history. |
| 10302 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 726.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit Report, Borrower has a positive mortgage payment history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Calculated Assets: $XXXFunds to close: $XXX |
| 10430 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 731<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has a good credit history with no derogatory account.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV: 71.40Max LTV allowable per guideline:80%<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit Report, Borrower has a positive mortgage payment history. |
| 10303 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 703; guideline minimum is 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; guideline maximum is 80%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for 2.1 years. |
| 10304 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Provide the license for the borrowers business and a letter from their CPA or Accountant stating the percentage of the business is owned by the borrowers. | 7.15.2022 Client responded - The borrowers is not XXX, they are an independent contractor and receive a 1099 at the end of the year. Please see the attached voe email from the employer. Please clear the condition.7.15.2022 Upon further review client sent in email from company the borrower's work for. They are independent contractors receiving 1099 at the end of the year. There are XXX Questionnaires in the file for both borrowers. Email from company verifying SSN, positions and start dates for each borrower. Exception satisfied | 7.15.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been in the same profession for 4 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrower credit score is 758; guideline minimum is 700.<br>CFCFS2860: Good credit history<br> - Clayton Comments: The Borrowers has had 0x30 on the consumer credit history for more than 24 months. |
| 10305 | XXXXXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has a good Credit History with no derogatory account.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 711.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV: 76.50Max LTV Allowable per Guideline:80% |
| 10056 | XXXXXX | IN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Provide the borrower's business license and a letter from a CPA/Accountant verifying the percentage of the business owned by the borrower. | 7.15.2022-Clients response:July 15th 2022, 1:24:44 pmPlease see the attached Business License borrower is 100% ownership . Please clear the condition.7.15.2022-Clayton's response: Upon further review the business license for XXX., has been received and is sufficient to show that the borrower owns 100% of the business. Exception is satisfied. | 7.15.2022-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 732.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for over 3 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of work for 13 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has a good credit history with no derogatory account |
| 10120 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over xxxyears.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is xxx<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of xxx% is below guideline requirement of xxx% for this program. |
| 10306 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing Articles of Organization and Operating Agreement, By Laws and Copy of Resolution authorizing the signing officer. | 7.7.2022-Clients response:July 6th 2022, 12:52:58 pmPlease see attached articles showing XXX as authorized agent of the company. Please clear condition. 7.7.2022-Clayton's response: Upon further review the Articles of Organization for XXX has been received and is sufficient to clear the condition. Exception is satisfied.July 6th 2022, 12:52:58 pmPlease see attached articles showing XXX as authorized agent of the company. Please clear condition. | 7.7.2022-Exception is satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 10307 | XXXXXX | NE | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 695; guideline minimum is 680.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The Borrower has had 0x30 for more than 12 months on the Mortgage. |
| 10308 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Provide the business license for the borrowers business and a letter from the CPA or Accountant stating the percentage of the business that the borrower owns. | 7.21.2022 Client responded - Please see attached Business License which shows borrower is 100% owner of the business. Please clear this exception. 7.21.2022 Upon further review, business license reflects borrower is sole owner of entity. Exception satisfied. | 7.21.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 22 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 4 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 33.71% is below guideline requirement of 80% for this program. |
| 10431 | XXXXXX | CA | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Title | Satisfied C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Missing updated title with mortgage amount | 7.15.2022-Clients response: July 15th 2022, 12:12:34 pmPlease see attached Title Supplement. Please clear this exception. 7.15.2022-Clayton's response: Upon further review the title supplement showing the loan amount of $XXX and is sufficient to clear the exception. Exception is satisfied. | 7.15.2022-Excpetion is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guidelines requirements<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 10309 | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Provide the business license for the borrower's business XXX | 7.12.2022 Client responded - Please see the attached Business License . Please clear the exception. 7.12.2022 Upon further review client sent in the business license for Activist XXX date formed XXX. This corresponds to the 1003 (above exception should have been XXX.) Exception satisfied. | 7.12.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 708.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current Residence for 3 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV: 47Max LTV Allowable per Guideline : 80% |
| 10369 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Insurance | Satisfied D A | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No | Need premium documented on dec page. | 8.2.2022 Client responded - Please see attached policy with premium listed. Please clear the condition. 8.2.2022 Client sent in EOI that included the premium for the subject property. Exception satisfied | 8.2.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 763<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines - $XXX<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: High potential for increased earnings - Per comps high uptick for rental property |
| 10369 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL2277 | Note Not Executed | No | Note in file for subject not executed. | 8.2.2022 Client responded - Please see attached executed note with addendums. Please clear the condition. 8.2.2022 Client sent the fully executed Note with addendums. Exception satisfied. | 8.2.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 763<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines - $XXX<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: High potential for increased earnings - Per comps high uptick for rental property |
| 10369 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | Missing HUD-1 for subject. | 8.2.2022 Client responded - Please see attached HUD. Please clear the condition. 8.2.2022 Client sent the final HUD. Exception satisfied | 8.2.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 763<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines - $XXX<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: High potential for increased earnings - Per comps high uptick for rental property |
| 10369 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL806 | Notary Status is missing | No | Deed of trust is missing notary signed/stamped page | 8.2.2022 Client responded - Please see attached Deed of Trust. Please clear the condition8.2.2022 Client sent the fully executed Mortgages with the Notary signed and stamped page. Exception satisfied | 8.2.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 763<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines - $XXX<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: High potential for increased earnings - Per comps high uptick for rental property |
| 10369 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | LTV/CLTV | Active B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | NPRA exceeds loan amount max of 70% | 7.29.2022- Sr. Clayton U/W reviewed file for loan amount exceeding 70% NPRA. This exception is deemed non-material with lender exception form in file due to the compensating factors below. Credit score 763, DSCR >1%, investor experience. Exception remains, material changed to non-material. | 7.29.2022 Exception Remains | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 763<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines - $XXX<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: High potential for increased earnings - Per comps high uptick for rental property |
| 10370 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL1817 | Final HUD-1 is incomplete or illegible | No | Provide all pages of the HUD1 or Closing CD. The first page is missing. | 8.5.2022-Client Response- Provided all pages of CD8.5.2022-Clayton Response- Provided documentation satisfies exception | 8.5.2022- Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 2 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 58.74% is below guideline requirement of 70% for this program.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 13 years. |
| 10005 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | Missing signed sales addendum to contract reducing sale price to match appraised value of $XXX | 7.19.2022-Clients response: July 18th 2022, 10:52:27 amPlease see attached Addendum for Purchase Price XXX. Please clear this exception. 7.19.2022-Clayton's response:Upon further review the Addendum to the Contract showing the purchase price of $XXX and signed by all parties has been received and reviewed. Exception is satisfied. | 7.19.2022-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guideline requirement |
| 10310 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 787<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit report, Borrower has a positive mortgage payment history.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 3 years. |
| 10371 | XXXXXX | NM | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 737.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has had Job Position since XXX<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 2 years. |
| 10311 | XXXXXX | CA | 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 80%; guideline maximum is 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 746; guideline minimum is 700.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been Employed with the current employer since 2017. B2 has been XXX in the same profession since 2012. |
| 10432 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history |
| 10372 | XXXXXX | WA | 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 | Initial application was taken XXXthe intiial LE was not issued until XXX. Greater than the required 3 days | 7/26/2022 - Client response - Please see attached initial 1003 showing date was actually XXX. Putting us within compliance. Please clear the condition. 7/27/2022 - Clayton Response - There are multiple 1003's in the file XXX and XXX. Client insists that XXXis the Initial application date with the 1003 the sent. | 7/27/2022 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 10 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 9 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 733 |
| 10373 | XXXXXX | CA | 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 | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide Initial CD received by borrower at least 3 business days prior to closing.Earliest CD in file dated XXX, closing date XXX | 8/2/2022 - Client Response - Please see the attached Initial CD received by borrower at least 3 business days prior to closing. Please clear the exception. 8/2/2022 - Clayton Response - Client provided CD dated XXX with Doc magic E-sign certificate dated XXX. Exception satisfied. | 8/2/2022 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for 17 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been employed in the industry for 10 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65.41%; guideline maximum is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 718; minimum credit score is 660. |
| 10433 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at the same residence for over 3 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below guideline requirement of 80% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current |
| 10374 | XXXXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Property Valuations | Property | Active C B | PRVAPROP2556 | Acreage exceeds property eligibility guidelines | No | Loan program allows for rural property up to XXX acres; the subject property is XXX acres. | 7.25.2022 Client responded - Please see attached Approved Loan Exception. Please clear this exception. 7.25.2022 Clayton Sr. U/W additional review. Subject property is XXX, exceeds guideline by .77. Compensating factors to support file approved by management. Compensating factors for this file are the LTV of 65%, high fico 734 and 22 months of reserves. The exception remains, however the securitization grade is changed from material to non-material. Lender Exception approved in the file. | 7.25.2022: Exception remains; deemed non-material. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guideline requirement - 23.84 / 31.46<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements - 65.00<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 734 |
| 10434 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Provide 2 months Bank statements for the account ending in XXX. | 7.22.2022 Client responded - Investor X guidelines state that funds to close must be seasoned for 10 days, they do not require 60 day seasoning for account XXX. Please clear condition. 7.22.2022 Upon further review The XXX account #XXX that is within 10 days of closing. Exception satisfied. | 7.22.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has had 0x30 on the current mortgage.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrower credit score is 666; guideline minimum is 660.<br>CFCFS2860: Good credit history<br> - Clayton Comments: The Borrower has good history 0x30 for more than 24 years. |
| 10434 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Title | Satisfied C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Provide updated Title showing the correct loan amount $XXX and updated Borrower XXX. Title in file is showing XXX as the borrower and loan amount of $XXX. | 7.22.2022 Client responded - Please see attached final title policy. Please clear the condition.7.22.2022 Upon further review client sent in updated Title Schedule A verifying loan amount of $XXX with borrower XXX, single man. Exception satisfied | 7.22.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has had 0x30 on the current mortgage.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrower credit score is 666; guideline minimum is 660.<br>CFCFS2860: Good credit history<br> - Clayton Comments: The Borrower has good history 0x30 for more than 24 years. |
| 10375 | XXXXXX | CO | 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: Significant time in profession<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guideline requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserve exceed guidelines |
| 10312 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 787<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements - 70.00<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds guidelines - 0 lates |
| 10313 | 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: The Borrower has resided at the current residence for 8 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been employed in the same profession for 32.1 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 34.74%; guideline maximum is 50%. |
| 10314 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrowers have resided at the current residence for 8 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The Borrower has been XXX with the same company for 32 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 36.70%; guideline maximum is 50%. |
| 10315 | XXXXXX | WA | 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: The Borrower has resided at the current residence for 28 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 692; guideline minimum is 660.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been in the same profession for 3.5 years. |
| 10057 | 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: The Borrower has been Self Employed with current employer for xxx years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The LTV is xxx%; the Borrowers credit score is xxx; guideline minimum is xxx.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The LTV is xxx%; guideline maximum with the credit score is xxx%. |
| 10376 | XXXXXX | ID | 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: Representing Credit Score is 793.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 has been in line of work for 15 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV: 61.86Max LTV Allowable per Guideline: 90%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has a good credit history with no derogatory account. |
| 10316 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 716<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 6 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit Report, Borrower has a positive mortgage payment history.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV: 66.04Max LTV Allowable per Guideline: 75% |
| 10377 | XXXXXX | PA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Provide a Gift letter and supporting documentation that the funds were received by the borrower for this loan transaction. The gift of $XXX was included on the final HUD1. | 7.22.2022 - Client responded - Please see the attached Gift letter and supporting documentation that the funds were received by the borrower for this loan transaction for $XXX. Please clear the exception.7.22.2022 Upon further review client sent a copy of the Gift Letter for $XXX from brother. and copy of Incoming Wire Transfer verifying $XXX. Exception satisfied | 7.22.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score 660.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of work for 6 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV: 64.56Max LTV Allowable per Guideline: 85% |
| 10139 | XXXXXX | NJ | (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 | Provide the signed HUD1 or Closing Statement. File is missing the document that has been executed by the borrower. | xxx-Clients response: xxx am Please see the attached final HUD1 please clear the exception | xxx Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxx mid score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: xxx months of reserves in file. |
| 10139 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL2277 | Note Not Executed | No | Missing signed Note in file. | xxx-Clients response: xxx am Please see the executed note. Please clear the condition | xxx-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxx mid score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: xxx months of reserves in file. |
| 10435 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 687.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for over 4 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has a good credit history with no derogatory account.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV: 65%Max LTV Allowable per Guideline: 80% |
| 10378 | XXXXXX | UT | 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: Representing Credit Score is 658.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for over 3 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of work for 15 years. |
| 10058 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for over xxx years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxx. Required reserves; $xxx = $xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is xxx; minimum required is xxx. |
| 10317 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 795.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived at current residence for over 2 years<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit Report, Borrower has a positive mortgage payment history.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has a good credit history with no derogatory account. |
| 10318 | XXXXXX | PA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | 1007 Rent Schedule states Rent as $XXXPlease Provide the correct Rent Schedule. | 7.7.2022 Client responded - Please see revised rent schedule. Please clear the condition.7.7.2022 Upon further review client sent in an updated 1007 form with Market rent XXX. This makes the DSCR $XXX / XXX = 1.0743 no changes to loan. Exception satisfied. | 7.7.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 795.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived at current residence for over 2 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit, Borrower has a positive mortgage payment history.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has a good credit history with no Derogatory account. |
| 10318 | XXXXXX | PA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing the Operating Agreement, Articles of Organization and signed Personal Guaranty's for XXX. verifying ownership for XXX and XXX. | 7.8.2022 Client responded - Please see attached personal guaranties with operating agreement. 7.8.2022 Upon further review the client sent in the signed Person Guaranty's by XXX and XXX 50%/50% owners of XXX per the Operating Agreement that was sent. Exception satisfied | 7.8.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 795.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived at current residence for over 2 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit, Borrower has a positive mortgage payment history.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has a good credit history with no Derogatory account. |
| 10379 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied C A | CRDAST205 | Insufficient Funds to Close | No | Missing updated bank statements evidencing cancelled earnest deposit of $XXXplus sufficient liquid funds to close | 7.22.2022 Client responded - Please see attached XXX Response. Please clear this exception. 7.22.2022 Clayton did not receive the response. Exception remains. 7.22.2022 Clients response 7/22/2022 at 5:20 pm: Please see attached XXX Response. Please clear this exception 7.25.2022 Clayton response: Clayton did not receive the response. Exception remains7.27.2022 Client responded - Please see attached XXX Response (3rd upload). Please clear this exception7.27.2022 Upon further review client sent Receipt of Wire Funds from XXX totaling $XXX. Exception satisfied.7.29.2022-July 28th 2022, 10:51:28 am Please see attached - Response which includes corresponding bank statements. Please clear this exception.7.29.2022-Clients response: August 2nd 2022, 10:34:36 amPlease see attached Evidence of deposit for $XXX in the XXX acct#XXX. Please clear this exception. | 7.22.2022 Exception remains client did not send documents or XXX response.7.22.2022 Exception remains client did not send documents or XXX response.7.27.2022 Exception satisfied.7.29.2022-Please provide evidence of the deposit of $XXX in the XXX account #XXX or the June bank account #XXX. Exception remains.8.3.2022: HUD1 received showing $XXX in sales proceeds. Exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines |
| 10379 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Missing updated bank statements evidencing sufficient liquid assets to close plus 6 months reserves | 7.22.2022 Client responded - Please see attached XXX Response. Please clear this exception.7.25.2022 Client response at 5:21 pm: Please see attached XXXResponse. Please clear this exception 7.27.2022 Client responded - Please see attached XXX Response (3rd upload). Please clear this exception7.27.2022 Upon further review client sent in UW review of a bank statement with a balance of $XXX dated 6/15/202July 28th 2022, 10:51:28 am Clients Response:Please see attached - Response which includes corresponding bank statements. Please clear this exception. 8.3.2022-Clients response: August 2nd 2022, 10:32:26 amPlease see attached Evidence of deposit for $XXX in the XXX acct#XXX. Please clear this exception. | 7.22.2022 Clayton did not receive XXX response. Exception remains7.22.2022 7.25.2022 Clayton response: Clayton did not receive the response. Exception remains7.25.2022 . There is no reference to the name of the bank or the actual account #. Please provide a bank statement to correspond with this information. Exception remains7.27.2022 Exception remains.8.3.2022-Document received, exception satisfied. See comments U/W. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines |
| 10379 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Missing satisfactory mortgage history and or proof current residence is owned free and clear | 7.22.2022 Client responded - Please see attached Proof Cur Res at XXX is owned Free and Clear. Please clear this exception7.22.2022 Upon further review client sent in Title showing for the property XXX there is no conveyances affecting the property None of Record. Exception satisfied. | 7.22.2022 j Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines |
| 10379 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | Missing updated signed addendum to sale contract evidencing reduced sales price back to $XXX, after signed counter offer dated XXX | 7.22.2022 Client responded - Please see attached Purchase Agreement with $XXX purchase price. Please clear this exception. 7.22.2022 Upon further review client sent in updated Purchase Contract showing the sales price of $XXX on page 12. Exception satisfied. | 7.22.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines |
| 10379 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | By Laws of XXX. does not indicate the % of ownership for XXX, XXXand XXX. Provide a breakdown of the % owned by each.The Personal Guaranty in file was signed by XXX. If the other two from the the Bylaws own more than 25% each they will be required to sign a personal guaranty per the guideline requirements. | 7.22.2022 Client responded - Please see attached Shareholders Agreement which shows the percentages of ownership breakdown. Please clear this exception. 7.22.2022 Upon further review client sent in Shareholders Agreement verifying XXX owns 52% of the Corporation. XXX and XXX own 24% each and are not required to sign a personal guaranty. Exception satisfied. | 7.22.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines |
| 10379 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Title | Satisfied C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Missing updated title reflecting borrowers name, Lender and mortgage amount | 7.22.2022 Client responded - Please see attached Title Supplement with all correct Sch A information. Please clear this exception7.22.2022 Upon further review the client sent in updated Title Supplement verifying borrower as XXX., Loan amount $XXX Purchase Price $XXX and lender as XXX. Exception satisfied. | 7.22.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines |
| 10319 | XXXXXX | MA | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Property Valuations | Property | Satisfied C A | PRVAPROP177 | Property Issues Indicated | No | Provide updated appraisal or addendum to the appraisal stating the property is not rural. Rural properties are not allowed in the XXX purchase program with XXX income. Please note: There are 3 Rental properties within 1 mile of subject and 3 comparable properties within 2 miles of subject property. | 7.15.2022 Client responded - Please see the attached exception for the rural property. Please clear the exception. 7.15.2022 Upon further review client sent in a Loan Exception form with Management Approval for allowing rural property for the XXX program with XXX income. Approving with property on XXX lot with most sales and rental comps within 1-1.5 miles of subject. Exception satisfied | 7.15.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 6 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 729 |
| 10320 | XXXXXX | NE | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history |
| 10059 | XXXXXX | CA | 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 | CMPTRID3658 | TRID - Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance | No | CD dated xxx has an APR of xxx%, while CD dated xxx has an APR of xxx%. This is a difference of xxx% change in APR which exceeds the tolerable change allowance of xxx% in APR. | xxx - Client response - A COC was executed on xxx, relocking the interest rate a half percent higher while simultaneously eliminating the discount fee. Please see attached COC document and signed CD issued xxx. | xxx - xxx conclusion - Exception satisfied, client supplied COC for change in APR that was not in the original loan file. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence xxx<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines xxx<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines xxx |
| 10380 | XXXXXX | MD | 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: Credit score exceeds guidelines - 643<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines - $XXX<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: High potential for increased earnings - Per comps, XXX in rental income |
| 10060 | XXXXXX | NJ | 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 B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $XXX due to Credit Report-in file fee increased from /initial CD dated XXX to Revised CD dated XXX. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower.Please provide any of the following: Change of Circumstance, LOX and copy of refund check to borrower. | 8/4/2022 - Client response - Please see attached LOE, PCCD, check image and FedEx label. Please clear this exception. | 8/5/2022 - Exception satisfied, Client provided LOX, PCCD and refund check for $XXXfor undisclosed fees. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 10 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 33 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 81.10% is below guideline requirement of 85% for this program. |
| 10714 | XXXXXX | OR | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has xxx years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx |
| 10061 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines - $xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - xxx<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guideline requirement - xxx |
| 10381 | 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: Significant time in profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 10382 | XXXXXX | NC | 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: Significant time at current residence<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Significant total monthly debt reduction |
| 10062 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is xxx; guideline minimum is xxx.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: The borrower has had xxx for the past xxx months on the consumer credit history.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been Self Employed in the same Profession for xxx |
| 10436 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied C A | CRDAST205 | Insufficient Funds to Close | No | Missing proof of sufficient liquid assets to close plus reserves from sale of a property unknow and or refinance of property evidencing cash out of $XXX per Lenders approval | 7.26.2022 Client responded - Please see the attached proof of assets and reserves from a previous sale. Please clear the condition. 7.26.2022 Upon further review client sent a copy of the Final HUD and Final Closing Disclosure dated XXX that verifies cash to borrower, XXX in the amount of $XXX. Disbursement date for subject property is XXX. Exception satisfied. | 7.26.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit history exceeds guidelines |
| 10436 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Missing sufficient liquid assets and reserves | 7.26.2022 Client responded - Please see the attached hud 1 from previous sale to reference sufficient liquid assets to close plus reserves from sale of a refinance of property evidencing cash out of $XXX per Lenders approval7.26.2022 Upon further review client sent HUD for cash out refinance on another property that closed XXX verifying funds in the amount of $XXX cash to our borrower. This covers the $XXX in liquid assets to cover assets to close. Exception satisfied. | 7.26.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit history exceeds guidelines |
| 10436 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing copy of HUD1 for sale of a property for sufficient liquid assets to close per 1003 comments although no property address and or copy of HUD1 for cash out refinance of a property evidencing $XXX cash out per Lender's approval | 7.26.2022 Client responded - Please see the attached HUD 1 FROM PREVIOUS SALE for cash out per lenders approval 7.26.2022 Upon further review client sent HUD for cash out refinance on another property that closed XXX verifying funds in the amount of $XXX cash to our borrower. This covers the $XXX in liquid assets to cover assets to close. Exception satisfied. | 7.26.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit history exceeds guidelines |
| 10436 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | Provide the final HUD1 or the Closing Disclosure. | 7.25.2022 Client response: Please see the attached Final Hud 1. Please clear the exception. | 7.25.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit history exceeds guidelines |
| 10063 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | Provide a fully executed Personal Guaranty for xxx owning xxx% of xxx Guidelines require all owners with xxx% or more to sign a Personal Guaranty. Both xxx% and xxx% have signed the Personal Guaranty. Note: The file contains a Corporate Resolution where xxx is granting all signing rights to xxx for the purchase of investment property: xxx | xxx-Personal Guarantee received | Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines xxx<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guidelines requirements xxx<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence xxx |
| 10121 | 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 been at current residence for over 15 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 32 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 62.61% is below guideline requirement of 70% for this program |
| 10383 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines xxx<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history xxx<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines xxx |
| 10384 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Please provide the supporting documentation for the gifts that the borrower received; completed gift letters are in the file. Provide the evidence of the giftor's ability to give the funds and receipt of the funds to the borrower. | 7.29.2022 Client responded - Please see the attached supporting documents for the gifts the borrower received . Please clear the exception.7.29.2022 Client sent in Account Details for 5 separate gifts totaling $XXX. Exception satisfied | 7.29.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 682.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has a good credit history.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV: 80%Max LTV allowable per Guideline: 85% |
| 10385 | XXXXXX | UT | 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: Credit score exceeds guidelines - 769<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession - 13 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guideline requirement - 19.91 / 33.73 |
| 10437 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 10039 | XXXXXX | ME | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing xxx xxx to support deposit and income used for xxx | xxx Client responded - Please see the attached Missing xxx to support deposit and income used for xxx. Please clear the exception. | xxx Client sent in the xxx supporting the deposit and income used for xxx. Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history xxx |
| 10386 | XXXXXX | NJ | 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 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. Exception Satisfied. | (No Data) | Exception Satisfied. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceed guidelines<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guideline requirement<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history |
| 10386 | 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 | Credit/Mtg History | Active B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Trade line does not meet 24 month requirement per guideline. Trade line reflected on Credit report is for 23 months. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceed guidelines<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guideline requirement<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history |
| 10387 | 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: B2 has been employed in the same profession for 15 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 30.22; guideline maximum is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 707; guideline minimum is 600. |
| 10064 | XXXXXX | NJ | 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 been at current residence for over 3 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for over 15 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 722 |
| 10065 | XXXXXX | AZ | 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: Significant time in profession<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit history exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guideline requirement |
| 10438 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Income/Employment | Active C B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide letter from CPA/Accountant to verify the percentage of the business at XXX that the borrower owns; in order to calculate the monthly income. | (No Data) | 8.12.2022-Sr. Clayton underwriter has reviewed the approved Loan Exception for waiving the CPA/EA/Tax preparer letter to determine the expense factor of the business. Letter of explanation from the business explaining how it generates income. Based on LOE, expense factor has been approved at 85%. However, exception remains and is deemed non-material due to the expense factor not being a fatal issue. Compensating factors on the file are high fico 752/755, XXX for 16 years, and mortgage history 0 x 30. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 15 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 752<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current |
| 10438 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | Provide Signed and dated Personal Guaranty for XXX. Company Agreement for XXX #1, LLC in file shows XXX as 33% owner of the LLC. Guideline requires all owners with more than 25% ownership sign a personal guaranty. File contains an unsigned Personal Guaranty. | 8.2.2022 Client responded - Please see the attached Personal Guaranty for XXX. Please clear the condition.8.2.2022 Client sent a fully executed Personal Guaranty for XXX. Exception satisfied. | 8.2.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 15 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 752<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current |
| 10388 | XXXXXX | TX | 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: The Borrower has resided in the current home for 4.2 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 687; guideline minimum is 660.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been in the same profession since XXX. |
| 10389 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Title | Satisfied C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Missing updated title to include borrowers names, mortgage amount and lender | 7.29.2022 Client responded - Please see attached title supplement showing the proposed insured and borrower. Please clear the condition.7.29.2022 Client sent in updated title showing borrower, XXX, Proposed insured, XXX and Loan amount $XXX. Exception satisfied | 7.26.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Significant total monthly debt reduction<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history |
| 10390 | XXXXXX | FL | 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 B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $XXX due to (Appraisal Fee) increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 8/3/2022 - Client response - Please see attached COC form detailing raise of app fee from XXX to XXX . Please clear the condition. | 8/5/2022 - Exception satisfied, Client provided COC showing $XXX change in Appraisal fee. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 54.22%; guideline maximum is 65%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 614; guideline minimum is 600.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for 10.6 years. |
| 10391 | XXXXXX | OR | 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 C A | CRDINC2488 | Verbal verification of employment missing | No | Please provide the business license for XXX AND a letter from a CPA or Accountant that gives the percentage of ownership for the borrower. | 7.27.2022 Client responded - Please see attached business license and CPA letter showing percentage of ownership. 7.27.2022 Upon further review client sent in Verification of Business and the CPA letter showing XXX has XXX% ownership in XXX. Exception satisfied. | 7.27.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 762; guideline minimum is 640. LTV is 67.62%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 67.62%; guideline maximum is 90%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: The Borrower has had 0x30 for more than 24 months on the consumer credit history. |
| 10391 | XXXXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Title | Satisfied D A | CRDTIL865 | Title incomplete | No | Provide the complete title commitment with all schedules showing the correct proposed borrower and the lender with the correct loan amount of $XXX. | 7.27.2022 Client responded - Please see attached final title policy with updated loan amount. Please clear the condition. 7.27, 2022 Upon further review client sent in Final Title Policy Verifying property is vested in the name of XXX and the amount of insurance is $XXX. Exception satisfied. | 7.27.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 762; guideline minimum is 640. LTV is 67.62%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 67.62%; guideline maximum is 90%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: The Borrower has had 0x30 for more than 24 months on the consumer credit history. |
| 10439 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | C | A D | C | A | Compliance | RESPA | Satisfied C A | CMPRESPA3008 | RESPA - HUD1 Settlement Statement not completed in Accordance with RESPA requirements | No | The document is found in the file; but it is illegible therefore we can not use it to complete the review. | 8/2/2022 - Please see attached HUD. Please clear the condition. 8/2/2022 - Client sent updated Settlement statement. Exception satisfied. | 8/2/2022 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived at current residence for 6 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has a good credit history with no derogatory account.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 773. |
| 10439 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | C | A D | C | A | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Lender using the Cash to borrower for the Asset documentation. HUD is illegible and The Closing Disclosure is not executed. Unable to determine if the cash to borrower is correct and meets the guideline requirements for reserves. | 8.3.2022 Client responded - Please see attached HUD, please clear the condition.8.3.2022 Client sent copy of fully executed HUD with Cash to borrower $XXX used as Assets. Meets guideline requirements for reserves. Exception satisfied | 8.3.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived at current residence for 6 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has a good credit history with no derogatory account.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 773. |
| 10439 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | C | A D | C | A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | Missing the documentation for XXX, Articles of Organization , Business license and/or Operating agreement verifying % of the business owned by the guarantors. | 8.3.2022 Client responded - Please see attached operating agreement and articles. Please clear the condition. 8.3.2022 Client sent in the Operating Agreement for XXX verifying XXX with 80% ownership, Guarantors on the loan. Exception satisfied. | 8.3.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived at current residence for 6 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has a good credit history with no derogatory account.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 773. |
| 10439 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | C | A D | C | A | Credit | Legal Documents | Satisfied D A | CRDLGL1817 | Final HUD-1 is incomplete or illegible | No | Final HUD in the file is illegible. Provide a clear executed copy of the HUD. | 8.3.2022 Client responded - Please see attached HUD. Please clear the condition. 8.3.2022 Client sent Final executed HUD. Exception satisfied. | 8.3.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived at current residence for 6 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has a good credit history with no derogatory account.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 773. |
| 10440 | XXXXXX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 4 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 771<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current |
| 10392 | 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: The Borrower has resided at the current residence for 2.9 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been XXX in the same profession since 2014.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guideline maximum is 90%. |
| 10441 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Provide homeowners insurance that was effective on XXX; insurance went into effect on XXX and loan disbursed on XXX. | 8.3.2022 Client responded - Please see attached insurance binder that is effective XXX. Please clear the condition. 8.3.2022 Client sent in Hazard Insurance binder with an effective date of XXX and disbursement date of XXX. Exception satisfied. | 8.3.2022 Exception satisfied | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 753.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for more than 2 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has a good credit history with no derogatory account.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit Report, Borrower has a positive mortgage payment history. |
| 10066 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is xxx.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has a good credit history with no derogatory account xxx.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for over xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV: xxx Max LTV allowable PER Guideline: xxx% |
| 10140 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history is xxx in the last xxx months<br>CFCFS2860: Good credit history<br> - Clayton Comments: Guarantor has good credit history for past xxx months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has owned primary for xxx years. |
| 10393 | XXXXXX | TX | 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 | CMPTRID3658 | TRID - Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance | No | Initial CD dated 07/21/2022 has an APR of 7.595% while CD dated XXX has an APR of 7.85%. This is a difference of .255% change in APR, which exceeds the tolerance change of .125%. There is not a change of circumstance for this APR change. | 8/8/2022 - Client Response - The 0.255% increase in the APR is due to an increase in the loan's interest rate from 7.250% to 7.500%. Please see attached COC which refers to the rate increase on XXX. (Note - the date on the bottom of the form is erroneous. This COC was filed in XXX on the same day as the CD issued on XXX. Please clear the condition. | 8/9/2022 - Clayton Conclusion - Exception satisfied, Client provided COC for Interest rate change. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for 8.2 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 58.27%; guideline maximum is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 666 @ 58.27%; guideline minimum is 600 @ 65%. |
| 10040 | XXXXXX | WA | (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 front and back of permanent residence card for borrower XXX | 7.29.2022-Cients response: July 29th 2022, 10:29:17 amPlease see attached XXX Card (Front & Back). Please clear this exception | 7.29.2022-Document received, exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 10067 | XXXXXX | TN | 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: Representing Credit Score is xxx.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of work for xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV: xxx% Mx LTV allowable per guideline: xxx%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has a good Credit history with no derogatory account. xxx |
| 10068 | XXXXXX | AZ | 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 | CRDCRMH120 | Collections, charge offs, liens, etc. exceed guidelines | No | 2nd mortgage is a charge off and inactive since XXX 2008. this is being paid off through this refi | (No Data) | 8.15.2022- \*\*\*Lender exception approval\*\*\* exception sited for 2nd Mortgage included for mortgage rating. SR Clayton UW reviewed and found 2nd mortgage was a charge off since 2008, this is being paid off during refi. Comp factors to be added, Borrower having residual monthly income of $XXX, reserves exceed guidelines. Credit supplement shows improved payment history. This exception is non-fatal material exception and reporting as a B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 10068 | XXXXXX | AZ | 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 | Satisfied D A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Missing copy of Modification agreement XXX Loan #XXX and letter of explanation for same | 8.3.2022 Client responded - Please see the attached Mod agreement for loan # XXX. Please clear the exception. 8.3.2022 Client sent in copy of Credit report verifying the loan was modified from $XXX to $XXX. Exception satisfied | 8.3.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 10141 | XXXXXX | TX | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Terms/Guidelines | Active B | CRDTER110 | Loan amount exceeds guideline maximum | No | Loan does not meet minimum equity requirement of $xxx. Approved credit exception in file to allow equity less than minimum requirement. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets $xxx which includes funds of $xxx at close borrower received at close. No funds required to close. Cash reserves $xxx. Required reserves xxx months x PITI $xxx = $xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has limited use of consumer credit with xxx% credit usage. |
| 10141 | XXXXXX | TX | (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 | File includes appraisal dated xxx with value $xxx, BPO dated xxx with value $xxx and second BPO daed xxx with value $xxx. Lender used BPO with value $xxx to qualify. | xxx Client responded - xxx used the conservative value of the BPO AND supports the product of the appraisal. Please clear the condition. xxx Client responded - The xxx% variance rule is there to ensure that the value of the full appraisal is supported. For example, if xxx had used the $xxx appraisal as the value for the loan, we would need to have a support product that is no more than xxx% less than the appraisal value. This would mean that the appraisal value is supported. In cases where the support product does not provide a value less than xxx% beneath the appraisal value, we use the more conservative value of the support product. Because we used the lower, more conservative value of the support product, the appraisal value of $xxx no longer needs to be supported within xxx%. Please clear the condition. | xxx File contains a Reconciliation for $xxx dated xxx which the lender used for the value. However this value is still xxx% out of tolerance to the xxx% variance required per guidelines. Exception remains. xxx. Credit UW reviewed and determined the appraised value of $xxx is xxx% greater than the Reconciliation value of $xxx which the lender used for the loan. The lender used the more conservative value. Exception satisfied. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets $xxx which includes funds of $xxx at close borrower received at close. No funds required to close. Cash reserves $xxx. Required reserves xxx months x PITI $xxx = $xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has limited use of consumer credit with xxx% credit usage. |
| 10069 | XXXXXX | NV | (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 | Provide the final HUD1 and or Closing Disclosure. File contains Estimated HUD only | xxx-Client Response- Provided prior refinance HUD, dated xxx Response- Provided documentation is insufficient. Please provided final hud dated xxx xxx Client responded - Please see the attached Final Hud 1. Please clear the condition. | xxx Client sent the Final Closing Statement. Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines xxx<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history xxx<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines xxx |
| 10070 | XXXXXX | CO | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | DTI | Active C B | CRDDTI187 | Debt Ratio > 50% | No | DTI is xxx%. Max allowed is xxx% for this program. | xxx-Clients response: xxx pm Please see the attached Loan exception for the DTI is xxx%. Max allowed is xxx% for this program. Please clear the exception. | xxx Underwriter has reviewed the Lender approval Credit Exception for the DTI being over xxx%. The exception remains, however, it is deemed non-material due to DTI not being a fatal issue. Compensating factors on the file are $xxx in assets, fico xxxyears at current address and xxxmonths of xxxmortgage payments. The securitization grade is changed from material to non-material. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over xxx years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Been on current job for over xxx years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Been on current job for over xxx years. |
| 10070 | XXXXXX | CO | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Provide updated Lender Approval showing the loan as a Full doc loan. File is missing xxxmonths back statement therefore not considered a Bank Statement loan. Bank statements provided are xxx ending xxx | xxx-Clients response: his is a xxxmonth Business bank statement loan ALT DOC deal. We used the xxx% expense factor. Please see the attached and clear the exception. This was approved by our mgmt team. xxx-Clients response- xxxam Please change the letter grade since the condition has been satisfied . | xxx-Documents received, exception satisfied. xxx-Satisfying the condition updated the grade. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over xxx years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Been on current job for over xxx years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Been on current job for over xxx years. |
| 10006 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | Terms/Guidelines | Active C B | CRDTER3262 | Property issues indicated | No | Minimum $xxx equity required. The Equity exception for less than $xxx Borrowers are short $xxx short of equity. | xxx Client responded - Please see the attached Minimum $xxx equity loan exception. Please clear the condition. | xxx Upon further review by xxx deems this non-material due to Credit score of xxx, low DTI xxx, Reserves of $xxx and xxx years on the job. Loan Exception approval by management received from client. Exception downgraded to B. Exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is xxx; guideline minimum is xxx.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrowers have resided in the current residence for xxx years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: The Borrower has had xxx on the consumer history for more than xxx months. |
| 10394 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Provide the Clear to Close or Doc's Out loan approval to ensure that we have reviewed the last underwriting approval. | xxx Client responded - Pleas see the attached updated loan approval xxx Client responded - Please see the attached clear to close . Please clear the exception. | xxx Client sent in the Lender loan approval showing Loan Status: Approved. Exception was to provide "Clear to Close" or "Docs Out" loan approval. Exception remains xxx Client sent the Clear to Close, Docs out Lender Approval. Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over xxx years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is xxx |
| 10395 | 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 | CRDINC3204 | Income Documentation Missing | No | Missing Lender's income worksheet to support income used of $XXX for XXX only. Provide copies of 2020 Partnership returns for XXX since there is a negative effective on both borrowers income. | 8.2.2022 Client responded - Please see the attached e copies of 2020 Partnership returns for XXX. Please clear the condition. 8.2.2022 Client sent 2020 Personal returns that include the Income or loss from K-1 for XXX Exception remains. Still missing Lender's income worksheet supporting income of $XXX8.4.2022-Client's response: August 3rd 2022, 12:33:16 pmPlease see the attached income worksheet . Please clear the exception. | 8.2.2022 Exception remains8.4.2022 Income worksheet received, exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history |
| 10395 | 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 | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | Missing Profit and Loss Statement for 2022 YTD and 2021 since there is an extension for borrowers 1120's. | 8.2.2022 Client responded - Please see the attached Profit and Loss Statement for 2022 YTD and 2021. Please clear the condition. 8.2.2022 Client sent in the P&L for 2021 and 2022 YTD for XXX. Exception satisfied. | 8.2.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history |
| 10395 | 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 | CRDINC3260 | Balance Sheet missing for one or more Self Employed borrowers | No | Missing Balance sheet for business | 8.4.2022-Clients response: August 3rd 2022, 12:37:08 pmPlease see the attached income worksheet. Please clear the exception. | 8.4.2022-Document, exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history |
| 10396 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Provide updated Hazard Insurance. Insurance Effective date is XXX greater than the transaction disbursement date is XXX. | 7.26.2022 Client responded - Please see the attached updated ins reflecting the correct date. Please clear the exception7.26.2022 Upon further review client sent in updated Hazard Declaration showing effective date of XXX through XXX. Loan disbursed on XXX. Exception satisfied | 7.26.2022 Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 645<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements - 65.30<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds guidelines - O LATES |
| 10041 | 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 | Terms/Guidelines | Active B | CRDTER127 | Payment shock does not meet guidelines | No | Payment shock over xxx% per guideline; To allow xxx% Pmt shock. Low DTI at xxx%. Residual income at xxx/Mo. xxx% LTV. Additional xxx months reserves required. | (No Data) | xxx Underwriter has received the Lender Approved Loan Exception for payment shock over xxx%, the exception remains, however deemed non-material due to the payment shock not being a fatal issue. The compensating factors on the file are a low DTI of xxx%, Residual income is $xxx monthly and an additional xxxmonths ore reserves required on the loan. The securitization grade has been changed from material to non-material. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The DTI is xxx%; guideline maximum is xxx%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for xxx years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been Self Employed with current business for xxxyears. |
| 10397 | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | LTV/CLTV | Active B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Borrower paid 2 discount points reducing the LTV to 65% within the guidelines for CoreX Cash out Refinance. | (No Data) | 8.15.2022- \*\*\*Lender exception approval\*\*\* exception cited to adjust LTV to 70%. SR Clayton UW reviewed file and notes that this exception is non-fatal material exception. LOX in file provided by borrower, rate at 8.99% +.25 bps cash out 9.124% Borrower receiving $XXX cash back to be used to renovate home and business. This is graded a B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of 49 months PITI or $XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: CPA verified XXX of borrower for several years; documenting longevity as a XXX borrower<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: No mortgage lates in the last 82 months |
| 10071 | XXXXXX | OK | 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 been at current residence for over 3 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 8 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 713 |
| 10398 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 741<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines - $XXX<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: High potential for increased earnings - XXX in rental market per comps |
| 10399 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Title | Satisfied C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Missing updated Title reflecting correct borrower's name and mortgage amount. | 8.4.2022 Client responded - Please see the attached recorded quit claim deed reflecting correct borrower's name and mortgage amount. Please clear the exception. | 8.4.2022 Exception satisfied. Client sent in a copy of the Quit Claim deed verifying the XXX deeding property to XXX, loan borrower with title showing correct borrower and mortgage amount. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history |
| 10442 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history - 0 lates<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines - $XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 706 |
| 10007 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Need proof initial CD - xxx was received by borrower xxx days before consummation date of xxx. | xxx - Client Response - Please see the attached initial cd was received by borrower xxx days before consummation date of xxx. Please clear the condition. | xxx conclusion - Exception satisfied, Client provided e-signed CD dated xxx. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over xxx years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over xxx years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is xxx |
| 10007 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Credit | Terms/Guidelines | Active B | CRDTER127 | Payment shock does not meet guidelines | No | Payment shock of xxx% is greater than xxx% allowed per guidelines. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over xxx years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over xxx years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is xxx |
| 10007 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Credit | Terms/Guidelines | Active C B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Equity in the property is $xxx which is less than the $xxx required by guidelines. | (No Data) | xxx Underwriter has reviewed the approved Loan Exception for the total equity of $xxx instead of $xxx; the exception remains, however is deemed non-material due to it not being a fatal issue. Compensating factors on the file are great credit, no derogatory credit or public records, paid off private mortgage holder ($xxx)l in xxx years. Credit score is xxx and on the job for xxx years. Exception approved by Management. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over xxx years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over xxx years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is xxx |
| 10072 | XXXXXX | ID | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for xxx years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is xxx; guideline minimum is xxx.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The Borrower has been xxx for more than xxx months on the Mortgage History. |
| 10073 | XXXXXX | TN | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL2277 | Note Not Executed | No | Provide the Note that has been executed by the borrower. | xxx-Clients response: xxx pm Please see the attached executed note by the borrower. Please clear the condition. | xxx-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxx mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: xxx months of xxx consumer credit history.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: xxx years living at primary residence. |
| 10400 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | 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. Exception Satisfied. Final Grade A. | (No Data) | Exception Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 773<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for over 4 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been at line of work for 20 years |
| 10400 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Account where escrow came from needs to be specified and the balance after the wire transfer needs to be clear. | 8.2.2022 Client responded - Please see attached XXX #XXX Statement showing the escrow deposit wire and the balance after the wire. Please clear this exception.8.2.2022 Client sent the XXX #XXX verifying wire transfer on 7/22/2022 for the closing funds. Exception satisfied | 8.22.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 773<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for over 4 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been at line of work for 20 years |
| 10400 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Note is dated :XXXInsurance effective dates : XXX | 8.2.2022 Client responded - Please see attached Final Closing Disclosure with XXX response. Please clear this exception. 8.2.2022 Client sent the Final Closing Disclosure showing the disbursement date of XXX, which covers the insurance effective date of XXX. Exception satisfied | 8.2.2022 Exception satisfied | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 773<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for over 4 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been at line of work for 20 years |
| 10401 | XXXXXX | GA | 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 been at current residence for over xxx years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over xxx years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open account are current |
| 10074 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of xxx% is below guideline requirement of xxx% for this program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is xxx |
| 10402 | 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 C A | CRDINC2488 | Verbal verification of employment missing | No | Provide a letter from a CPA or Accountant that verifies the parentage of owner the borrower has for the home based tutoring employment. | 8.8.2022 Client responded - Please see attached CPA letter. Please clear this exception. 8.8.2022 Client sent in a letter from licensed CPA verifying preparing tax returns for borrower XXX through XXX for the XXX in Schedule C. Exception satisfied. | 8.8.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at the same residence for over 39 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been in the same job for over 18 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 801 |
| 10402 | 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 | CRDINC3204 | Income Documentation Missing | No | Provide wage earner documentation from XXX ; approval required a written VOE breaking out all income, bonus and commissions for the last 2 years. | 8.8.2022 Client responded - Please see attached Written VOE for XXX . Please clear this exception. 8.8.2022 Client sent a Written VOE from XXX with all income verified for XXX thorough XXX YTD. Exception satisfied. | 8.8.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at the same residence for over 39 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been in the same job for over 18 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 801 |
| 10075 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceed guidelines xxx<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines xxx |
| 10403 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide Articles of Organization, Operating Agreement or Business license for xxx File contains xxx letter verifying borrower is the sole owner of the xxx | xxx-Clients response: xxx pm Please see the attached xxx for the borrower. Please clear the exception | xxx-xxx received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit history exceeds guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 10404 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Clayton pay stream APR is 6.4879, the final CD dated XXX has an APR of 6.745%. This is a difference in 0.2571%, which exceeds the allowable tolerance change of .125%. There is not a change in circumstance in file. | 8/8/2022 - Client response - Re-amortized the life of loan interest and recomputed all the federal disclosures, including the finance charge, amount financed and APR; found all to be well within allowable tolerance. Please see attached PCCD and Loan Calculations Proof Sheet. Please clear the exception | 8/9/2022 - Clayton Response - Exception satisfied, Client provided Loan Calculation proof sheet showing 6.737 APR vs 6.745, .08 within tolerance. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for 10 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been XXX in the same profession for 20 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The LTV is 49.95%; guideline maximum is 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrower credit score is 782; LTV 49.95% ; guideline minimum is 600 @ 70%. |
| 10404 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Credit | Terms/Guidelines | Active B | CRDTER127 | Payment shock does not meet guidelines | No | Max payment shock: 300%; Allow Payment shock>300% (currently 357%) with additional 6-month reserve added. | (No Data) | 8.5.2022-Sr. Clayton Underwriter has reviewed the Lender Exception approved by upper management for the payment shock exceeding guidelines more than 300%. The exception remains, however, is deemed non-material due to the payment shock not being a fatal issue. The compensating factors are fico 782, low loan to value of 50.75%, years at present address is 10 years. The securitization grade is changed from material to non-material. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for 10 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been XXX in the same profession for 20 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The LTV is 49.95%; guideline maximum is 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrower credit score is 782; LTV 49.95% ; guideline minimum is 600 @ 70%. |
| 10405 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 792.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 25 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit Report, Borrower has positive mortgage payment history.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV: 60%Max LTV Allowable per Guideline: 75% |
| 10142 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: xxx years at primary residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: xxx months of xxx consumer credit history.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxx mid-score per CBR. |
| 10042 | XXXXXX | NV | 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 been at same residence for over xxx years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over xxx years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current |
| 10008 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Assets | Satisfied C A | CRDAST3036 | Assets reflect unsourced deposits | No | Missing copy of business bank statement evidencing transfer of $XXX deposit into XXX #XXX on XXX | 7.22.2022 Client responded - Please see the attached copy of the Business bank statement evidencing transfer of $XXX deposit into XXX #XXX on XXX. Please clear the condition.7.22.2022 Upon further review client sent statement for XXX #XXX verifying a transfer for $XXX making the balance of $XXX dated XXX. Exception satisfied. | 7.22.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guideline requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserve exceed guidelines |
| 10076 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing Lender's income worksheet to support rental income used of $XXX | 8.16.2022 Client responded - Please see the attached worksheets for the rental income. Please clear the exception. | 8.16.2022 Client sent the worksheet the UW used to calculate the rental income for rental properties verifying $12,713.33. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 10443 | XXXXXX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 10 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 77.54% is below guideline requirement of 80% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current |
| 10406 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines - $XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 676<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history - 0 lates |
| 10407 | XXXXXX | TN | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Terms/Guidelines | Active C B | CRDTER3262 | Property issues indicated | No | The Guideline requires that the subject Property have $XXXK in equity; the subject property is $XXX short per guideline. | 8.11.2022-Clients response: August 10th 2022, 1:51:06 pmPlease see the attached Loan exception for the $XXXK in equity . Please clear the exception. | 8.11.2022-Sr.Clayton underwriter has reviewed the Loan Exception provided for equity less than $XXX, exception remains, however deemed non-material due to it not being a fatal issue. Compensating factors on the file are high fico 753, excellent credit history, four and half years at present address and 0 x30 on their mortgage. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower hs resided in the current residence for 4.6 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrower credit score is 753; guideline minimum is 680.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The Borrower has had 0x30 for more than 12 months on the Mortgage History. |
| 10408 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines xxx<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history xxx<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines xxx |
| 10113 | 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 | Right of Rescission | Satisfied B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | ROR in the file states the end off rescission period is xxx, Final CD stats the disbursement date is on xxx. xxx, the current date does not adhere to the rescission period requirement. Please provide corrected ROR. | xxx - Client response - Per Compliance guidance, xxx re-opened rescission and had borrower re-sign xxx Expired at midnight onxxx. Please see attached xxx and clear condition. | xxx - Exception satisfied. Client provided ROR with expiration date of xxx. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for over xxx years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI < xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is xxx. |
| 10113 | 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 | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR in the file states the end off rescission period is xxx, Final CD stats the disbursement date is on xxx. xxx, the current date does not adhere to the rescission period requirement. Please provide corrected ROR. | xxx - Client response - Per Compliance guidance, xxx re-opened rescission and had borrower re-sign xxx Expired at midnight onxxx. Please see attached xxx and clear condition. | xxx - Exception satisfied. Client provided ROR with expiration date of xxx. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for over xxx years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI < xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is xxx. |
| 10113 | 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 | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Provide business license for xxx., | 8.30.2022- xxx pm Please see the attached Business License for xxx Please clear the condition. | xxx-Document received, exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for over xxx years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI < xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is xxx. |
| 10444 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 732.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has a good Credit History with no derogatory account.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified Assets: $XXXCash Due from Borrower: $XXX |
| 10445 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 10114 | XXXXXX | RI | 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 | CRDAPP130 | Application is incomplete | No | Missing updated final applicating correcting martial status to married per letter in file | xxx- xxx pm Please see the attached updated xxx | xxx-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence xxx<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in professionxxx<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history xxx<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines xxx |
| 10114 | XXXXXX | RI | 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 | Property | Active B | PRVAPROP177 | Property Issues Indicated | No | Subject property is xxx acres; guidelines for this program do not allow for the site to be over xxx acres. | (No Data) | xxx Underwriter has reviewed the approval Lender Exception Report for the site of the subject property being over xxx acres. The exception remains, however, because the acreage is deemed non-material due to it not being a fatal issue. The compensating factors are fico xxx, LTV xxx%, Owner of xxx for xxx years and xxx years at current residence. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence xxx<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in professionxxx<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history xxx<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines xxx |
| 10077 | XXXXXX | OR | 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 | CRDINC3204 | Income Documentation Missing | No | Missing updated Lender's income worksheet starting with XXX 2022 to support income used with all transfers, loan transfers and loan proceeds. Loan file contains one starting with XXX 2022 which is too old | 8.4.2022 Client responded - Please see attached copy of income worksheet up to XXX 2022. The underwriting notes state that the statements for XXX, and XXX 2022 were received. The total monthly income used of $XXX is accurate based on all statements from XXX - XXX. Please clear the condition. | 8.4.2022 Exception satisfied. Client sent in lender income worksheet with explanations for the XXX income and the income that was used. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines |
| 10077 | XXXXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Title | Satisfied C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Missing updated title with Lender | 8.4.2022 Client responded - Please see attached prelim which shows XXX as proposed insured. Please clear the condition. 8.4.2022 Client sent in Preliminary report verifying borrower: XXX and XXX, loan amount $XXX and Proposed insured: XXX. Exception satisfied | 8.4.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines |
| 10446 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 764<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines - $XXX<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: High potential for increased earnings - XXX in rental market per comps |
| 10447 | XXXXXX | UT | (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 | Appraisal, Desk Review and the Sales Contract show the borrower as XXX instead of XXX. All of these need to be corrected to show XXXas the borrower. The Note, Mortgage and Title show XXX as the borrower. | 8.16.2022 Client responded - Pleas see the attached corrected appraisal in Borrowers name XXX. Please clear the exception. 8.22.2022 Client responded - Please see the attached reconciliation. Please clear the exception. | 8.16.2022 Client sent in the updated Appraisal in the name of XXX. The Sales contract has an addendum changing from Red XXX to XXX. The BPO is in the name of XXX. The lender used the Reconciliation report for the value of $XXX. Provide the updated Reconciliation report in the name of XXX it is currently in the name of XXX. Exception remains.8.22.2022 Client sent the XXX Reconciliation in the borrowers name, XXX. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 775<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit Report, Borrower has a positive mortgage payment history.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV : 67.44MAX LTV Allowable per Guideline: 75% |
| 10448 | XXXXXX | ID | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements - 60.64<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 784<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines - $XXX |
| 10043 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The LTV is xxx%; guideline maximum is xxx.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The Borrower has had xxx on the Subject Mortgage History since xxx |
| 10409 | XXXXXX | OR | 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 | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date XXX | 8/5/2022 - Client Response - Please see attached CD issued 7-20-2022. Please clear this exception | 8/8/2022 - Clayton Conclusion - Exception Satisfied, Client provided CD E-signed on 7/20/2022. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 742.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrowers have been in line of work for over 3 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived t current residence for 17 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV: 85%Max LTV Allowable per Guideline: 90% |
| 10409 | XXXXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Provide the PITI payment for the property at XXX, XXX, OR. In order to calculate the payment shock we must know this information. | 8.9.2022 Client responded - Please see attached XXX Response. Please clear this exception8.9.2022 Client sent in the final HUD for the sale of XXX, xxx, OH dated XXX. Previous payment $XXX. Payment shock within guidelines. Exception satisfied | 8.9.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 742.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrowers have been in line of work for over 3 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived t current residence for 17 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV: 85%Max LTV Allowable per Guideline: 90% |
| 10409 | XXXXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Provide the borrowers business license and a letter from a CPA verifying the percentage of ownership. | 8.8.2022 Client responded - Please see attached Business License and Articles of Organization. Please clear this exception. 8.8.2022 Client sent in Articles or Organization and Business registry showing XXX and xxx as Members of xxx. xxx ?questionnaire verifies both are owners of the LLC. Exception satisfied | 8.8.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 742.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrowers have been in line of work for over 3 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived t current residence for 17 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV: 85%Max LTV Allowable per Guideline: 90% |
| 10078 | 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 been at current residence for over xxx years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for over xxx years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is xxx |
| 10079 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is xxx.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for over xxx years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has a good credit history with no derogatory account xxx.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit Report, Borrower has a positive mortgage payment history xxx. |
| 10080 | XXXXXX | AZ | 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 | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | xxx Pay Stream has an APR of xxx%, the final CD dated xxx has an APR of xxx%. This is a difference of xxx%, which exceeds the tolerance change of xxx% in APR. There is not a change of circumstance in file | xxx - Client response - Recalculated amortization and APR and validated the accuracy of the xxx/DocMagic disclosure. Please see attached Loan Calculations Proof Sheet. | xxx - xxx Response - Exception satisfied, Client provided Loan calculations proof sheet showing APR of xxx%. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over xxx years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is xxx%<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current |
| 10081 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Provide additional valuation that supports the subject property value of $xxx. The file contains a UCDP but there are no findings on it. | xxx-Clients response: xxx pm Please see the attached appraisal desk review. Please clear the exception. | xxx-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is xxx; guideline minimum is xxx.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The Borrowers Mortgage history is 0x30 for more than xxxmonths.<br>CFCFS2860: Good credit history<br> - Clayton Comments: The Borrower has had good credit history 0x30 for xxxmonths. |
| 10410 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Provide a statement with the Name of the Borrower for the accounts ending in XXX and XXX. | 8.10.2022 Client responded - Please see the attached statement with the Name of the Borrower for the accounts ending in XXX and XXX. Please clear the exception. 8.10.2022 Client sent in Bank statements for accounts XXX and XXX with the name of the borrower(s). Exception satisfied. | 8.10.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 71.40%; guideline maximum is 75%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrowers have resided in the current residence for 7 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: The Borrowers have had good credit history 0 x 30 for more than 24 months. |
| 10410 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Calculated Liquid Assets $106,959.22; Total Cash Required from Borrower $XXX ; Cash Reserves $XXX; Subject PITIA is $XXX; 6 months reserves required in the amount of $XXX; Short reserves in the amount of $XXX. Unable to determined if EMD has cleared. | 8.12.2022 Client responded - Please see the attached 6 months reserves . Please clear the condition. | 8.12.2022 Client sent in Bank statement for account XXX XXX with a balance $XXX. This covers the 6 months reserves. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 71.40%; guideline maximum is 75%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrowers have resided in the current residence for 7 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: The Borrowers have had good credit history 0 x 30 for more than 24 months. |
| 10411 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 14 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below guideline requirement of 80% for this program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 772 |
| 10412 | XXXXXX | WI | 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: The Borrower has resided at the current residence for 4 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been XXX in the same profession for 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The LTV is 48.13%; guideline maximum in 90%%. |
| 10009 | 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: The Borrower has resided at the current residence for 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 676; guideline minimum is 660.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been XXX in the Same Company for 11 years. |
| 10082 | XXXXXX | WA | 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 C A | CRDINC2488 | Verbal verification of employment missing | No | Missing third party verification of employment | xxx Client responded - Borrower is self employed there is no VVOE . Please clear the exception. | xxx Client sent Business Information for xxx showing the business active, formation date xxx with xxx as the Registered agent. Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history |
| 10082 | XXXXXX | WA | 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 | CRDINC3204 | Income Documentation Missing | No | Missing all pages of xxx and xxx xxx to support income used of $xxx including all schedules | xxx Client responded - Please see the attached xxx and xxx to support the income used. Please clear the exception. | xxx Client sent the xxx (form xxx), xxx Partnership returns, and xxx returns used to support income. Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history |
| 10082 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Re-Verifications | Satisfied C A | CRDRVRFC1803 | Debts/Obligations that were not discl at origination revealed through independent re-verification | No | Missing credit supplement for new xxx loan included in debt ratios with monthly payment of $xxx | xxx Client responded - please see the attached supplement for the xxx. Please clear the exception. | xxx Client sent in a copy of the xxx Account Statement verifying monthly payment amount $xxx. Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history |
| 10413 | XXXXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3590 | TRID - At least one LE was delivered on or after the date that a CD was delivered | No | Loan Estimate dated xxx was delivered after the Initial CD dated xxx in file. If xxx CD was not delivered to borrower client must provide Attestation letter to that fact. | xxx - Client response - CD in question was never delivered to the borrower - see attached attestation as requested by due diligence. | xxx - xxx conclusion - Exception satisfied, Client provided letter of attestation that CD xxx was not provided to borrower. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is xxx.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for xxx years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of work for xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV: xxx Max LTV Allowable per guideline:xxx% |
| 10413 | XXXXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3658 | TRID - Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance | No | CD dated xxx has an APR of xxx% and CD dated xxx has an APR of xxx%. This is a difference of xxx% which exceeds the tolerance change of xxx% in APR. | xxx attached to CD issued xxx indicates a change in the interest rate by xxx% which would account for the noted change in the APR. See attached COC. | xxx - xxx conclusion - Exception satisfied, Client provided COC showing interest rate change of exactly xxx, within tolerance. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is xxx.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for xxx years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of work for xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV: xxx Max LTV Allowable per guideline:xxx% |
| 10413 | XXXXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Credit | Income/Employment | Satisfied D A | CRDINC2340 | Employment verification does not meet guidelines | No | Provide business license for xxx which is the borrowers business. | xxx-Clients response: xxx pm Please see the attached Business License for xxx. Please clear the condition | xxx - Business License received; exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is xxx.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for xxx years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of work for xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV: xxx Max LTV Allowable per guideline:xxx% |
| 10414 | XXXXXX | MD | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession |
| 10415 | XXXXXX | ID | 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 been at current residence for over 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below guideline requirement of 85% for this program.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 4 years. |
| 10083 | 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 | Assets | Satisfied D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Assets from xxx account #xxx with a balance of $xxx shows the owner of record as xxx. Need evidence that the borrower has permission/access to use these funds for closing. | xxx-Clients response: xxx pm Please see the attached evidencing the borrower has permission/access to use these funds for closing. Please clear the condition. | xxx-Document received; exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been in the same profession for xxx years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is xxx%; guideline maximum is xxx%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: The Borrower has had xxx for more than xxx months. |
| 10083 | 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 | CRDINC3204 | Income Documentation Missing | No | Borrowers business is named xxx xxx. This is confirmed with a CPA letter; however, the Articles of Incorporation and the xxx both list xxx. The borrower shows a the Manager of this business but there is not anything in the file that tie these businesses to each other. | xxx-Clients response: xxx pm The borrower has xxx different entity one is the income xxx and the other is the asset entity which is xxx verified with all the documentation provided and the borrowers bank statements show both company names on them. Please clear the exception. | xxx-Documents received, exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been in the same profession for xxx years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is xxx%; guideline maximum is xxx%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: The Borrower has had xxx for more than xxx months. |
| 10084 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: xxx years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxx mid-score per CBR in file.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: xxx months of xxx consumer history. |
| 10044 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxx; required reserves $xxx.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has been in credit file for xxx months, with no late pays to any creditor.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for xxx years. |
| 10045 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 10416 | 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 D B | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Loan program requires 24 months rental history. Rental history covers 18 months; the previous 6 months needs to be verified. | 8.9.2022-Clients response:August 9th 2022, 12:28:39 pmPlease see attached loan exception form detailing exception for less than 24 month housing history, Please clear the condition. | 8.9.2022-Sr. Clayton underwriter has received the Exception approval providing the borrowers 18 month history from property management and the previous 6 months from a private VOR. Exception remains, however is deemed non-material due to rental history not being a fatal issue. Compensating factors are high fico 716, 12 years on monthly payments and mortgage history 0x30. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been XXX with the same employer since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guideline maximum is 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 716 @ 80%; guideline minimum is 640 @ 80%. |
| 10416 | 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 | Income/Employment | Satisfied D A | CRDINC2350 | Missing Stated Income | No | Provide updated Bank Statement Ledger; current bank statements support the income of $XXX monthly. The Final Loan Documents indicate that the income being used is $XXX. | 8.10.2022-Clients response: August 9th 2022, 12:51:32 pmThe underwriter calculated a conservative base income based off of the total income used. The borrower still qualifies. Please clear the condition.8.11.2022 Client responded - Please see the attached income worksheet. Please clear the exception. | 8.10.2022-Sr. Clayton Underwriter has reviewed this exception. Please provide the income worksheet showing how the income was calculated by the underwriter. Exception remains.8.11.2022 Sr Clayton UW reviewed the Lender income worksheet that was sent in and supports the income with the bank statements in the file for xxx XXX with a conservative income of $xxx using 90% expense factor. Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been XXX with the same employer since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guideline maximum is 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 716 @ 80%; guideline minimum is 640 @ 80%. |
| 10085 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The LTV is xxx%; guideline maximum is xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The LTV is xxx% the Borrowers Credit score is xxx; guideline minimum is xxx with a xxx% LTV. |
| 10122 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for xxx years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is xxx; at xxx% LTV; Minimum credit score is xxx at xxx% LTV.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The LTV is xxx% guideline maximum is xxx%. |
| 10417 | XXXXXX | NV | 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: Significant time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 10086 | XXXXXX | HI | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Missing Insurance Policy with effective date of closing xxx | xxx-Client Response- Provided HOI policy with effective date of xxx xxx Response- Provided documentation satisfies exception | xxx- Provided documentation satisfies exception | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines xxx<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence xxx<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines xxx |
| 10087 | XXXXXX | CA | 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 B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $xxx due to (xxx increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | xxx - Client response - Please see the attached PCCD, LOE, CHECK AND xxx Label. Please clear the exception. | xxx conclusion - Exception satisfied. Client provided LOE, PCCD, and Refund of $xxx for appraisal fees. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Been on job for over xxx years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Been in profession for over xxx years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current xxx |
| 10088 | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Property Valuations | Property | Active B | PRVAPROP2674 | Property Issues Indicated 2 | No | No rural properties over xxx acres. Property to be considered not rural as The subject is located within an established residential community within a rural area. Commercial influences can be found along major roadways. All essential services can be found within a xxx mile radius of the subject property. | (No Data) | xxx Underwriter has reviewed the Lender Approval Loan Exception for the property being in a rural area. The exception remains, however, deemed non-material as the rural area is not considered a fatal issue. Compensating factors are that the property not be considered Rural as the subject property is located within an established community within a rural area. Compensating factors are fico xxx, DTI ratios are xxx%/xxx%, and xxxmonths in reserves. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The Borrowers credit score xxx% LTV; guideline maximum is xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is xxx; guideline minimum is xxx.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The DTI is xxx%; guideline maximum is xxx%. |
| 10089 | XXXXXX | CA | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Missing Insurance Policy with effective date of closing xxx | xxx Client responded - Please see the attached Insurance Policy with effective date of closing xxx. Please clear the condition. | xxx Client sent Hazard Insurance with effective date of xxx with Final HUD showing disbursement of xxx. Exception satisfied. | Not Applicable | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines xxx |
| 10003 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | A D C | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Clayton pay stream APR has a percentage of xxx%, while the Final CD dated xxx has an APR of xxx%. This is a difference of xxx%. This is more than the allowable tolerance change amount of xxx% in APR, with no change of circumstance for the change in file. | xxx - Client response - DISAGREE WITH EXCEPTION: Please see attached Loan Calculations Proof Sheet which confirms the xxx calculations are accurate. | xxx conclusion - Exception satisfied. Difference between xxx CD and xxx CD is xxx verified with clients documents. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: xxxyears with Aquafeel Solutions company.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: xxx years in the Business Solutions industry.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: xxx months of xxx mortgage history per CBR. |
| 10003 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | A D C | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Seller CD is not in file. | xxx - Client response - Please see the attached seller cd. Please clear the exception. xxx - Client response #2 - Please see the attached seller cd . Please clear the exception. | xxx conclusion - Exception remains. Client provided settlement statement. Exception clearly states need Seller CD to clear the exception. xxx conclusion #2 - Exception satisfied. Client provided Seller CD. | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: xxxyears with Aquafeel Solutions company.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: xxx years in the Business Solutions industry.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: xxx months of xxx mortgage history per CBR. |
| 10003 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | A D C | D | A | Property Valuations | Property | Satisfied C A | PRVAPROP177 | Property Issues Indicated | No | Provide a final 1004D showing the completion of the xxx The Completion report states that drywall and paint are not completed. All other items completed. | xxx Client responded - Please see the attached final 1004D showing the completion of the Drywall and paint. Please clear the exception | xxx Client sent in the 1004D Completion Report dated xxx that all improvements have been completed. Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: xxxyears with Aquafeel Solutions company.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: xxx years in the Business Solutions industry.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: xxx months of xxx mortgage history per CBR. |
| 10090 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence xxx<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines xxx<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines xxx |
| 10143 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Credit/Mtg History | Active B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing complete xxx mos. primary residency history for guarantor. Letter of explanation in file reflects guarantor resided at xxx. CD from sale of property reflects mortgage was with xxx. No documentation was located in file to complete the xxx mos. history. Provide satisfactory evidence of the private lien mortgage payments for xxx to complete the xxx mos. primary housing history. Verification to support xxx pay history. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets $xxx. Required reserves xxx months x $xxx.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been ion same line of work xxx years. |
| 10143 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | Settlement statement for subject loan located in file is not executed by borrower/guarantor or stamped by title agency. Provide an executed copy of Final CD for review. | xxx-Clients response: xxx pm Please see the attached final settlement statement . Please clear the condition | xxx: Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets $xxx. Required reserves xxx months x $xxx.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been ion same line of work xxx years. |
| 10143 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL2277 | Note Not Executed | No | Note located in file dated xxx with loan amount $xxx is not executed. Provide copy of fully executed Note for review. | xxx Client responded - Please see the attached executed note. please clear the condition | xxx Client sent the fully executed Note. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets $xxx. Required reserves xxx months x $xxx.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been ion same line of work xxx years. |
| 10143 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL806 | Notary Status is missing | No | Notary and Notary Acknowledgement missing in file. | xxx-Clients response: xxx am Please see the attached executed DOT with notary . Please clear the exception. | xxx-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets $xxx. Required reserves xxx months x $xxx.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been ion same line of work xxx years. |
| 10143 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL869 | Mortgage is not signed | No | Mortgage and all applicable riders dated xxx located in file are not executed. Provide a fully executed mortgage with copy of all executed riders for review. | xxx-Clients response: xxx am Please see the attached executed mtg with the executed riders . Please clear the condition | xxx-Documents received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets $xxx. Required reserves xxx months x $xxx.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been ion same line of work xxx years. |
| 10143 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Terms/Guidelines | Active B | CRDTER110 | Loan amount exceeds guideline maximum | No | Market Value $xxx less loan amount $xxx equals $xxx of equity. Loan does not meet minimum equity requirement of $xxx. | xxx-Clients response: xxx am Please see the attached loan exception for the xxx equity. Please clear the exception | xxx Underwriter has received Credit Exception form approved by upper management for the minimum equity being less than $xxx as the guidelines require. The exception remains but is deemed non-material due to the equity not being a fatal issue. Compensating factors xxx months of reserves, LTV xxx%. The xxx grade is changed from material to non-material. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets $xxx. Required reserves xxx months x $xxx.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been ion same line of work xxx years. |
| 10143 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing fully executed Personal Guaranty signed by both xxx and xxx. Personal Guaranty forms located in file are not executed. | xxx-Clients response: xxx am Please see the attached Personal Guarantor for both bwrs. Please clear the exception | xxx-Documents received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets $xxx. Required reserves xxx months x $xxx.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been ion same line of work xxx years. |
| 10091 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of xxx% is below guideline requirement of xxx% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current xxx |
| 10092 | XXXXXX | NV | (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 | Missing verification of bank activity for xxx from xxx; large deposits must be explained and sourced. | xxx-Client's response: xxx pm This file was approved on xxx when the old guidelines were in place with only xxx days funds to close seasoning was required. The uw conditioned accordingly and the borrower provided the bank print out for the xxx days before funding. this was in the asset section. Please clear the condition. | xxx-Documents received, exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is xxx% and maximum allowed is xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxx, no reserves required.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has no late pays on mortgages with over xxx years of mortgage payments. |
| 10010 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is xxx.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for xxx years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit Report, Borrower has a positive mortgage payment history. xxx<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV: xxx% Max LTV Allowable per guideline:xxx% |
| 10093 | XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | State Rate Spread | Active B | CMPSRS1206 | CT Non-Prime, First Mortgage Disclosure Missing | No | Please provide First Mortgage Disclosure. xxx | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over xxx years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over xxx years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open account are current. |
| 10094 | XXXXXX | NC | (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 | Missing verification of borrowers rental history for most recent xxx mos. to support no more than xxx. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxx mid-score per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets $xxx. Cash to close $xxx. Cash reserves $xxx. No reserves required. |
| 10001 | XXXXXX | IA | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Property Valuations | Property | Active C B | PRVAPROP2674 | Property Issues Indicated 2 | No | Current guidelines allow minimum xxxin equity. Property appraised for $xxxand Loan amount xxx% LTV is $xxxx. There is a loan exception in the file for less than $xxxin equity that is not approved and does not have compensating factors. | xxx Client responded - Please see the attached loan exception in the file for less than $xxx in equity with compensating factors. Please clear the exception. | xxx Sr UW additional review. Client sent Approved Exception by management with less than $xxxminimum equity with compensating factors of xxxmonths of xxxmortgage history with xxxmortgages and Benefit to borrower with cash to borrower at closing. Exception remains, however deemed non material per the compensating factors listed. The securitization has changed and the Lender exception has been received. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has cash back and money in xxx which exceeds guideline reserve requirements.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxx FICO<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current |
| 10095 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | Articles of Organization show xxx, however unable to determine the percentage of ownership for xxx% or more of the xxx, he will need to execute a Personal Guaranty. | xxx Client responded - Please see the attached Articles of Organization and Operating agreement showing that xxx is the main one and has xxx% ownership so there is no need for personal guaranty for xxx Please clear the exception. xxx-Clients response: xxx pm Please see the attached proof ownership to show xxx is xxx% . Please clear the condition xxx-Clients response: xxx pm Please see the attached Operating Agreement under Certificate of Formation it says the persons executing this agreement as Manager so xxx% ownership. Please clear the exception. xxx pm Please see the attached cpa letter showing xxxis xxx% ownership. Please clear the condition. | xxx Client sent the Articles of Organization that show xxx Management Structure: More than One Manager and Organizer: xxx The EIN shows xxx as Member and the Operating Agreement is signed by xxx. These documents do not show that xxx% owner of xxx. Exception remains xxx-The xxx Legal Entity Review form is not sufficient to verify that xxx% owner of xxx, as the Articles of Organization and Operating Statement do not support the document. Exception remains. xxx-The documents provided have been reviewed and do not reflect ownership percentage for xxx A letter from their CPA confirming percentage each have in the business would be sufficient to clear the exception. Exception remains. xxx: Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history |
| 10418 | XXXXXX | TX | 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 | CRDINC3204 | Income Documentation Missing | No | Missing all income documentation for xxx, xxx extension if applicable, No YTD distributions to determine if decline of income since selling shares | xxx-Clients response: xxx pm Please see the attached xxx tax IRS Extension. Please clear the exception. | xxx-Received extension, exception is satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 10116 | 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 been at current residence for over xxxyears.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for over xxxyears.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of xxx% is below guideline requirement of xxx% for this program. |
| 10123 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Potential Misrepresentation | Satisfied C A | CRDPMR1811 | Potential misrepresentation of borrower's property ownership history | No | Appraiser to correct the appraisal report to reflect that the occupant is not the owner. The file indicates the new tenant has not moved into the property at the time of the appraisal inspection. This needs to be added to the report and a letter from the borrower that supports this report. | xxx Client responded - Based on photos from appraisal, the property is vacant. Borrower to provide a copy of the fully executed lease for the subject property along with a copy of the cancelled check for the security deposit and the first month's rent. Please clear the exception. | Provide clarification from the appraisal the occupancy status of the property. xxx Client sent in the Lease for tenant for term of xxx through xxx for $xxxper month along with copies of xxxMoney orders totaling $xxxto deposit to xxx. Client also sent in the updated Appraisal stating the property is tenant occupied. All documents received support the property is leased. Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves $xxx; required reserves $xxx<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has xxx months mortgage payment history with no late.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Housing payment on subject property decreasing xxx% from $xxx to $xxx monthly. |
| 10011 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: The Borrower is good credit history xxx for more than xxx months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The Borrowers mortgage credit history has been xxx for more than xxx months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrower credit score is xxx; minimum credit score is xxx. |
| 10144 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | Provide evidence of the percentage of ownership that xxx; she is the xxx., if she owns xxx% or more she will need to sign a Personal Guaranty. | xxx-Clients response: xxx pm Please see the attached proof xxx% ownership. Please clear the condition xxx Client responded - Please see the attached xxx share xxx on xxx and xxx which totals xxx% . Please clear the exception. xxx-Clients response: xxx pm Please see the attached stock purchase agreement to show ownership. Please clear the condition. xxx-Clients response: xxx pm Please see the attached document that shows the xxx% sold in xxx. Please clear the exception. xxx-Clients response: xxxPlease see the attached. xxx xxx% of the shares since xxxon xxx xxx% share to xxx per stock purchase agreement which now xxx% shares. See the stock purchase agreement it all aligns. Please clear the condition | xxx: The document provided does not indicate that the borrower is xxx% owner of the company xxx. Exception remains. xxx Client sent the xxx for xxx shares issued xxx and xxx shares issued xxx. This document does not verify that xxx% of xxx. It verifies that he owns xxx shares. How many shares were officially issued for the company. Exception remains xxx: The document provided does not verify that the borrower owns xxx% of the company. It verifies that xxx% of the outstanding shares were sold; the sale is not documented. Document that xxx owns xxx% of company. Exception remains. xxx-The document does not support the sale; provide documentation that xxx%. Exception remains. xxx-Documents received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets $xxx. Cash required to close $xxx. Required reserves xxx months x PITI $xxx = $xxx. Excess reserves $xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx. |
| 10144 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Property Valuations | Property | Active B | PRVAPROP871 | Property Location unacceptable under guidelines | No | Appraisal indicates property location is rural. Per guide rural properties are an ineligible property type. Approved credit exception located in file to allow the property type as rural. | (No Data) | xxx Underwriter has reviewed the Credit Exception Request Form that has been approved by upper management for the property being in a rural area. The exception remains, however, deemed non-material due to the property being rural is not a fatal issue. Compensating factors are fico xxx, LTV xxx%, borderline rural suburban. xxx less than xxx miles from subject. The xxx grade has been changed from material to non-material. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets $xxx. Cash required to close $xxx. Required reserves xxx months x PITI $xxx = $xxx. Excess reserves $xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx. |
| 10117 | XXXXXX | SC | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Property Valuations | Property | Satisfied C A | PRVAPROP177 | Property Issues Indicated | No | Per Appraiser the property is Rural which is ineligible for the loan program. Note: the comparables are within xxx miles of subject property with xxx within xxx miles. Property has xxx acres which is less than xxx acres per guidelines. | xxx=Clients response: xxx pm Property reviewed by Management. We are ok to proceed with considering the property suburban with rural characteristics. Property is located within xxx mins to xxx Please clear the condition. | xxx: Property was approved by xxx underwriter. Exception is satisfied. | (No Data) | Not Applicable | CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Current PITI $xxx - New PITI $xxx monthly savings.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of xxx is above the minimum required xxx based on LTV.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of xxx% is below the maximum allowable xxx% based on Credit score. |
| 10419 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Initial 1003 dated signed xxx; Intent to Proceed is dated xxx and signed xxx | xxx - Client response - Please see the attached LE dated xxx which was signed in a timely manner. Please clear the exception. | xxx - xxx response - Exception satisfied. Client provided xxx as earliest LE. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceed guidelines<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 10419 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing Lenders income worksheet to match $xxx monthly income | xxx Client responded - Please see the attached Lenders income worksheet to match $xxx monthly income. Please clear the exception | xxx Client sent the Lender Income worksheet verifying the $xxx monthly income. Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceed guidelines<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 10012 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The LTV is xxx; guideline maximum with a xxx credit score is xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is xxx; guideline minimum is xxx LTV of xxx%; The current LTV is xxx%. |
| 10046 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | Texas Home Equity | Satisfied C A | CMPTXHE846 | TX Equity - Closed before later of appl/discl + 12 days | No | Application date is xxx; Notice Concerning Extensions of Credit is dated xxx; Note date is xxx. Both the Application and Notice Concerning Extensions of Credit must be executed at least xxxdays prior to closing. | xxx- Client response - Please see attached Notice Concerning Extensions of Credit dated xxx and signed by borrower that was included with initial disclosures to the borrower. | xxx - Exception satisfied. Client provided signed xxx day at least xxx days before closing. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 10046 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Credit | Terms/Guidelines | Active B | CRDTER127 | Payment shock does not meet guidelines | No | Payment shock exceeds xxx% requirement | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 10013 | 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 | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Closing date is xxx, Disbursement date ad per Final CD is xxx the xxx day waiting period was not met. | xxx - Client response - The initial CD was issued on xxx and loan closed/disbursed on xxx. This satisfies the xxx required xxx waiting period. There were two subsequent revised CD's - one on xxx and another on xxx- the interest rate was reduced from xxx% to xxx% on each (APR reduction was due to rate reduction so no new xxx-day waiting period required) - loan amount decreased with each from $xxx to $xxx to $xxx. Please see attached initial CD. | xxx Response - Exception satisfied. Client provided an executed CD showing Disbursement date met xxx day waiting period. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: xxx years living at primary residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: xxx month of xxx consumer credit history.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxx mid-score per CBR in file. |
| 10096 | 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: Significant time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Good reserves |
| 10097 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of xxx is above the minimum required xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves xxx months X $xxx = $xxx. Excess reserves $xxx.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of xxx% is below the maximum allowed xxx% for Purchase with FICO of xxx. |
| 10124 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxx required reserves $xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is xxx and minimum is xxx.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has no late pays on mortgage for past xxx years. |
| 10098 | XXXXXX | CA | 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 B | CMPTRID3966 | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | Final CD dated xxx The "Will Not Have an Escrow Account" in the CD Loan Disclosures section is selected and neither of You declined it and/or Your lender does not offer one are selected. There is not a post close CD correcting this error. | xxx - Client Response #1 - Loan is NOT a Higher-Priced Mortgage Loan. The APOR published on the rate lock date of xxx was xxx% and the APR is xxx%. The spread for a jumbo loan is xxx% and this loan is below at xxx%. Please clear the condition. xxx - Client response #2 - Please see the attached PPCD. Please clear the exception. | xxx conclusion - Exception remains. Client representative response makes no sense. Exception is about boxes not being checked on disclosures on a CD. Please provide PCCD with error corrected. xxx conclusion - Exception satisfied. Client provided a PCCD with box checked | Non-Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is xxxand minimum required is xxx.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is xxx% and maximum allowed is xxx% as borrower is first time home buyer.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is xxx% and maximum allowed is xxx%. |
| 10099 | XXXXXX | IL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Terms/Guidelines | Active B | CRDTER113 | Loan amount is below guideline minimum | No | Loan does not meet minimum equity of $xxx required. There is equity of $xxx. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines xxx<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history xxx |
| 10100 | XXXXXX | NM | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence since xxx<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The Borrower has had xxx for more than xxx months.<br>CFCFS2860: Good credit history<br> - Clayton Comments: The Borrower has had good credit history xxxfor more than xxxmonths. |
| 10014 | 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 xxx%; guideline maximum is xxx%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The DTI is xxx% guideline maximum is xxx%,<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is xxx; guideline minimum is xxx. |
| 10787 | XXXXXX | MO | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Loan program requires xxxmonths of reserves $xxxand borrower has xxx. Provide additional assets to meet this requirement. | xxx pm Please see the attached xxxmonths of reserves $xxx and borrower has $ xxx assets to meet this requirement xxx-Clients response: xxx pm Please see the attached to show proof he is xxx% the owner . Please clear the exception. | xxx-Provide documentation that ties the borrower to the owner of the xxx in the name of xxx. Exception remains. xxx-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of xxx is above the minimum required xxx for base LTV of xxx%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower's credit history with xxx open trade lines and xxx reporting for more than xxx months exceeds requirement of at least xxx trade lines reporting for at least xxx months or xxx trade lines reporting for at least xxx months with activity in past xxx months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $xxx exceeds guidelines of xxx required. |
| 10787 | XXXXXX | MO | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Credit/Mtg History | Active B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Guidelines require verification of mortgage liens. Lender approval required a verification of mortgage from xxx as it was reflected on the open liens report. Provide satisfactory verification of mortgage from xxx through the funding month. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of xxx is above the minimum required xxx for base LTV of xxx%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower's credit history with xxx open trade lines and xxx reporting for more than xxx months exceeds requirement of at least xxx trade lines reporting for at least xxx months or xxx trade lines reporting for at least xxx months with activity in past xxx months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $xxx exceeds guidelines of xxx required. |
| 10787 | XXXXXX | MO | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Guidelines require that the mortgage history be documented with xxxmonths cancelled checks front and back for private party/non-institutional lenders. Lender provided VOM from Lewis xxx who was the property seller at time of purchase. Provide satisfactory evidence of most recent xxxmonths payments. | xxx - Client responded - xxx year old property management company handling large volumes of property management in xxx area. Deemed this as an xxx | xxx Client sent a xxx which has been in business for xxx years. VOM in file and mortgage was paid off at closing. Lender approval asked for a different company. Mortgage was originated in xxxper the VOM with xxx history. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of xxx is above the minimum required xxx for base LTV of xxx%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower's credit history with xxx open trade lines and xxx reporting for more than xxx months exceeds requirement of at least xxx trade lines reporting for at least xxx months or xxx trade lines reporting for at least xxx months with activity in past xxx months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $xxx exceeds guidelines of xxx required. |
| 10787 | XXXXXX | MO | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | Provide a Loan Guarantor form that has been executed by the borrower. Anyone owning xxx% of an LLC must sign the form. | xxx-Clients response- xxx pm Please see the attached Personal Guaranty for the borrower. Please clear the exception | xxx-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of xxx is above the minimum required xxx for base LTV of xxx%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower's credit history with xxx open trade lines and xxx reporting for more than xxx months exceeds requirement of at least xxx trade lines reporting for at least xxx months or xxx trade lines reporting for at least xxx months with activity in past xxx months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $xxx exceeds guidelines of xxx required. |
| 10787 | XXXXXX | MO | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Title | Satisfied C A | CRDTIL100 | Potential title issue | No | Guidelines require all liens paid off at closing. Lender provided title commitment reflecting xxx liens. Provide final title reflecting the subject loan as the only outstanding lien on the property. | xxx-Clients response: xxx pm Per title- they are all satisfied we have not received final title policy yet Those are all satisfied and will be removed from the loan policy that will be issued for this closing | xxx-Dcoument received, exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of xxx is above the minimum required xxx for base LTV of xxx%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower's credit history with xxx open trade lines and xxx reporting for more than xxx months exceeds requirement of at least xxx trade lines reporting for at least xxx months or xxx trade lines reporting for at least xxx months with activity in past xxx months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $xxx exceeds guidelines of xxx required. |
| 10047 | XXXXXX | NV | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has credit history since xxxwith no late payments reporting.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has more than xxxyears mortgage pay history with no late pays.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is xxxand minimum required is xxx. |
| 10048 | XXXXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guidelines requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history |
| 10101 | XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | LTV/CLTV | Satisfied C A | CRDLTV3024 | LTV Exceeds Guideline Requirement by less than 5% | No | LTV is xxx% based on loan amount $xxx and value $xxx; maximum LTV for interest only loan is xxx%. Loan approval in file confirms xxx% LTV with interest only is approved. Loan Exception Request not found. HUD does not show points being financed (allowed per guidelines) | xxx-Clients response: xxx pm The broker points were financed xxx%) Please see the attached Pricing validation . Please clear the exception. xxx Client responded - The broker points were financed (xxx%) Please see the attached Pricing validation . Please clear the exception. xxx-Clients response: xxxam Please see the attached pricing validation and at the bottom it shows xxx Please clear the exception xxx Client responded - This loan was priced at xxx% LTV and then we financed xxx% broker points which made this xxx% LTV. It was priced at xxx% - there is no pricing validation to prove this because the rate wouldn't be right since there was a rate exception. Please clear the exception. | xxx-The Mortgage Pricing Options sheet does not reflect any discount points financed. Exception remains. xxx did not receive the Pricing Validation. Please resend. Exception remains xxx-The Mortgage Pricing Options sheet does not reflect any discount points financed. Exception remains. xxx The client sent the final xxx showing xxx% LTV. Per xxx guidelines broker fees are allowed to be financed and the LTV will reflect this xxx% however pricing will be based on the base LTV of xxx% and not viewed as an exception to the loan. Exception satisfied . | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxxRequired reserves $xxx<br>CFCFS1747: Housing expense increase is 10% or less<br> - Clayton Comments: Borrower payment shock is minimal, xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is xxxand minimum required is xxx. |
| 10145 | XXXXXX | CT | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Active B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing verification of timely mortgage payments to xxx for xxx mortgage/commercial promissory note dated xxx on xxx. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is xxx and minimum required is xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxx; required reserves $xxx.<br>CFCFS1747: Housing expense increase is 10% or less<br> - Clayton Comments: Housing expense on subject property is xxx%. |
| 10102 | XXXXXX | TX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Application | Active B | CRDAPP1813 | Undisclosed non-arm's length transaction | No | xxx does not allow for Non-arm's length transactions. The borrower and seller are related (xxx). | (No Data) | xxx Underwriter has reviewed the Approved Loan Exception for the transaction not being a Non-Arms Length transaction; the buyer and seller are related and this is not allow on the xxx loan program. The exception remains, however, is deemed non-material due to this not being a fatal issue. The compensating factors on the file are high fico xxx, xxx months in reserves,xxx years at this present address and xxx on the current mortgage history. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is xxx.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for xxx years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit report, Borrower has a good credit history with no derogatory account. xxx<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit Report, Borrower has a positive mortgage payment history.xxx |
| 10146 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH119 | Consumer lates exceed guidelines | No | Borrower has a late payment on their current mortgage, Guidelines do not allow for any xxx day late. | (No Data) | xxx Underwriter has reviewed the Credit Exception Request approved by upper management thus allowing the xxx day mortgage late which is outside of guidelines for the program. The exception will remain, however, will be deemed at non-material due to it not being a fatal issue. Compensating factors are xxx years at this primary residence, xxx months in reserves and a LTV of xxx%. The xxx grade has been changed from material to non-material. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is xxx% and maximum allowed is xxx%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxx with no reserves required. |
| 10146 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1817 | Final HUD-1 is incomplete or illegible | No | Copy of HUD1 in file is signed and certified; however, the closing date does not appear correct as it predates the note by over xxx month and the settlement date and disbursement date are blank. | xxx Client responded - Please see the attached final hud 1 . the note date is dated xxx its not over by a month | xxx Client sent a copy of the final HUD dated xxx. HUD in the file was an Estimated HUD. Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is xxx% and maximum allowed is xxx%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxx with no reserves required. |
| 10103 | XXXXXX | CA | 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 | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Need proof initial CD xxx was received by borrower xxxdays before consummation date ofxxx. | xxx- Client response - Please see the attached to show proof the borrower received by borrower xxxxdays before consummation date of xxx. Please clear the condition. | xxx Conclusion - Exception satisfied. Client provided Doc magic sign receipt that borrower e-signed xxx | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxxrequired reserves $xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is xxx and minimum required is xxx<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is xxx% and maximum allowed is xxx%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers lived at current residence xxxyears.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is xxx% and maximum is xxx%. |
| 10147 | XXXXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has several mortgages and all of an excellent pay history.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: xxx% LTV. Max xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxx credit score. Min xxx. |
| 10148 | 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 | Right of Rescission | Satisfied B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | Expiration date of ROR is dated xxx. Earliest expiration date for ROR is xxx, giving a full xxx business day recession period | xxx - Client response - Verbiage is confusing. Reviewer states that the expiration date of the Right to Cancel is xxx, then states that the earliest expiration is xxx. Reviewer was correct the first time. Right to Cancel was signed on xxx making the expiration of the Right to Cancel xxx. There is no exception here. Please clear and remove this exception. | xxx conclusion - Exception satisfied. Client provided PCCD showing disbursement date xxx that is after ROR expiration date of xxx. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: xxx years as a property manager.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxx mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: xxx months of 0f xxx consumer credit history per CBR. |
| 10148 | 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 | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Disbursement date is xxx which is before the end of statutory recession period for the ROR | xxx - Client response - Per comment on the previous exception for this file, there is no reason for exception. Right to Cancel was signed on xxx making the expiration of the Right to Cancel xxx. Per exception detail comments, disbursement date is xxx days AFTER the expiration of the borrower's right to cancel. There is no exception here. Please clear and remove this exception. | xxx - xxx conclusion - Exception satisfied. Client provided PCCD showing disbursement date xxx that is after ROR expiration date of xxx | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: xxx years as a property manager.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxx mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: xxx months of 0f xxx consumer credit history per CBR. |
| 10104 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | Assets | Active B | CRDAST115 | Cash reserves do not meet guidelines | No | Loan was approved with xxx months of reserves due to the borrower not meeting the guidelines of having a housing expense for xxxmonths. Underwriter required that an additional xxx months reserves be provided for a total of xxx months of reserves that were seasoned for xxxdays. | (No Data) | xxx Underwriter has reviewed the approved Lender Credit Exception for the borrower not meeting the condition of xxxmonths in reserves. The exception remains, however, is deemed non-material due to the additional xxxmonths of reserves is not a fatal error. Compensating factors are xxxfico, DTI ratios xxx, The securitization grade is changed from material to non-material. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for over xxxyears.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is < xxx%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of xxx% is below guideline requirement of xxx% for this program. |
| 10104 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Effective date and disbursement date for loan are both xxx | xxx=Clients response: xxx pm Please see the attached Effective date and disbursement date for loan xxx Please clear the exception. | xxxDocument received, exception is satisfied. | Not Applicable | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for over xxxyears.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is < xxx%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of xxx% is below guideline requirement of xxx% for this program. |
| 10149 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have xxx years xxx months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying CLTV xxx% below program maximum xxx%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports xxx, xxx mos. |
| 10769 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP157 | Application Not Signed by Primary Borrower | No | Provide the final xxx that has been signed by all borrowers. | xxx Client responded - Please see the attached final xxx signed by both bwrs. Please clear the condition | xxx Client sent a copy of the signed final xxx. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxx required reserves.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have good credit history with no late pays in past xxx months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is xxx d maximum is xxx cash out for foreign nationals. |
| 10769 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Loan applications show both borrowers as Non-Permanent Resident Alien's; provide the identification cards for both borrowers. | xxx Client responded - Please see the attached non permanent resident alien cards. Please clear the exception | xxx Client sent a copy of the B1 and B2 xxx Passports. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxx required reserves.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have good credit history with no late pays in past xxx months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is xxx d maximum is xxx cash out for foreign nationals. |
| 10769 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH2416 | Questionable factors on credit report | No | Provide the social security verification for xxx; the xxx does not show a SSN. | xxx-Clients response: xxx pm Per xxx guidelines the social security is not required see page xxx xxx Clients response: xxx pm Per xxx guidelines the social security is not required see page xxx The co bwr is a non resident alien xxx-Clients response: xxx pm Please see the attached pricing sheet when we did the loan in the '' Citizenship Part'' the borrower is a Foreign National - not a resident alien this is how we priced the loan and the xxx does not give the option for '' Foreign Nationals. Please clear the condition I have attached again a copy of her xxx which you cleared and her passport and per our guideline's this is all you need on page xxx xxx-Clients response: xxx Apologies for the confusion on this borrower's status. Please see file uploaded to xxx on xxx titled xxx Final Signed xxx There were clerical issues with previous xxxs which showed the co-borrower as a non-permanent resident alien. Both borrower's are foreign nationals from Canada. The above referenced file is the final 1003 which was signed at closing by both borrowers and is corrected to ensure that the ''Non-Permanent Resident Alien'' was not selected under the Citizenship section. There is no need for an updated 1003 as the signed copy uploaded was the corrected version which was signed by the borrowers at closing. Please clear exception. x | xxx ws that B2 is a Non-Permanent Resident Alien; please provide her Non-Permanent Resident Alien ID Card. Her passport will not clear this exception. Exception remains. xxx vide the Non-Permanent Resident Alien ID Card for the co-borrower. Exception remains. xxx vide an updated 1003 for the co-borrower; the one in the file shows the borrower as a Non-Permanent Resident Alien. Exception remains. xxx ment received; exception is satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxx required reserves.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have good credit history with no late pays in past xxx months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is xxx d maximum is xxx cash out for foreign nationals. |
| 10769 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | The Lease Agreement is not signed; provide the signed Lease Agreement with the evidence of the first months rent paid and the security deposit received. | xxx responded - Please see the attached singed lease agreement signed by all parties please clear the condition | xxx sent a copy of the signed Lease agreement by all parties. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxx required reserves.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have good credit history with no late pays in past xxx months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is xxx d maximum is xxx cash out for foreign nationals. |
| 10769 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | 1-Missing signed personal guaranty forms for xxx - Missing signed xxx | Please see the attached personal guaranty for both the borrowers. Please clear the condition 11.4.2022-Clients response: xxxPlease see the attached W8. Please clear the condition | xxx Client sent in the signed Personal Guaranty's for both B1 and B2. Still missing the xxx. Exception remains. 11.4.2022-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxx required reserves.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have good credit history with no late pays in past xxx months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is xxx d maximum is xxx cash out for foreign nationals. |
| 10769 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL1817 | Final HUD-1 is incomplete or illegible | No | HUD1 in file showing settlement and disbursement date xxx is not signed and it does not verify it is the final version. | xxx Client responded - Please see the attached Final Hud 1 . Please clear the condition | xxx Client sent in the final HUD. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxx required reserves.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have good credit history with no late pays in past xxx months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is xxx d maximum is xxx cash out for foreign nationals. |
| 10769 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL225 | Missing Rider | No | File is missing all the signed addendums and riders to the Note and Mortgage. | xxx Client responded - Please see the attached Fully executed note and fully executed DOT/ Mortgage. Please clear the exception. | xxx Client sent a copy of the fully executed Riders and the Mortgage and Note. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxx required reserves.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have good credit history with no late pays in past xxx months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is xxx d maximum is xxx cash out for foreign nationals. |
| 10769 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL2277 | Note Not Executed | No | Provide the Note that has been executed by all parties. | xxx Client responded - Please see the attached fully executed note. Please clear the condition. | xxx Client sent a copy of the fully executed Note with all addendums fully executed. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxx required reserves.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have good credit history with no late pays in past xxx months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is xxx d maximum is xxx cash out for foreign nationals. |
| 10769 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | Underwriting required Credit Reference due to being Foreign National and a utility bill from their residence in xxx. \*\* Note if they are Non-Permanent Resident Aliens we won't need the credit reference. File has conflicting information. | xxx Client responded - The borrowers are non permanent resident aliens . the passports were provided to you. Please clear the condition | xxx Client sent the borrower's xxx Passports. Verified B1 and B2 are foreign nationals. Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxx required reserves.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have good credit history with no late pays in past xxx months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is xxx d maximum is xxx cash out for foreign nationals. |
| 10769 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL806 | Notary Status is missing | No | Provide the mortgage that has been executed by all parties. | xxx Client responded - Please see the attached executed Mortgage. Please clear the condition | xxx Client sent in the fully executed Mortgage with Notary signature. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxx required reserves.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have good credit history with no late pays in past xxx months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is xxx d maximum is xxx cash out for foreign nationals. |
| 10769 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | Property Valuations | FEMA | Satisfied C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | On xxx disaster was declared due to Hurricane Ian in the region. The appraisal is dated xxx the loan closed on xxx inspection is required to ensure the integrity of the subject property has not been compromised due to storm | xxxesponse: xxx Please see attached post disaster inspection and clear condition. | xxx Document received exception is satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxx required reserves.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have good credit history with no late pays in past xxx months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is xxx d maximum is xxx cash out for foreign nationals. |
| 10105 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for over xxxyears.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is xxx<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of xxx% is below guideline requirement of xxx% for this program. |
| 10049 | 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 | Terms/Guidelines | Active B | CRDTER127 | Payment shock does not meet guidelines | No | Payment shock of xxx% is greater than xxx% required for xxxtime home buyer. File contains Exception for this approved by management with compensating factors of $xxxxxx plus xxxmonths reserves required from borrower's funds, no gift. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been in same self employed job for xxxyears.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is xxx% and maximum LTV is xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is xxx, minimum required for first time buyer is xxx. |
| 10106 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing xxx bank statements to support income and deposit | xxx Client responded - Please see the attached xxx xxx bank statements to support income and deposit . Please clear the exception. | xxx Client sent the bank statement to support income and deposit of $xxx Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 10106 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | Missing Final disbursed sign HUD with final figures | xxx Client responded - Please see the attached Final Hud 1. Please clear the condition. | xxx Client sent the Master Final Settlement Statement. Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 10015 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxx; no reserves required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is xxx and minimum required is xxx.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is xxx% and maximum allowed is xxx%. |
| 10107 | XXXXXX | NV | (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 | Provide Final HUD 1 statement, file contains Estimated HUD that is marked True and Certified. | xxx-Clients response: xxx pm Please see the attached Final Hud 1. Please clear the condition | xxx-Document received, exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of xxx% is below guideline requirement of xxx% for this program<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current |
| 10125 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves in file exceed guidelines<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is xxx |
| 10150 | 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: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports xxx<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI xxx% below program maximum xxx%. |
| 10004 | 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 been at current residence for over xxxyears.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for over xxxyears.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of xx% is below guideline requirement of xxx% for this program. |
| 10118 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over xxx years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of xxx% is below guideline requirement of xxx% for this program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is xxx |
| 10016 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The LTV is xxx%; guideline maximum is xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified Cash Reserves $xxx; Subject PITIA is $xxx months in reserves.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for xxx years. |
| 10050 | 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: The Borrower has been Employed in the same profession for xxxyears.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is xxx%; guideline maximum is xxx%; with a credit score of xxx.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence forxxx years. |
| 10151 | XXXXXX | TN | 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 | CRDCRMH119 | Consumer lates exceed guidelines | No | Current guideline - xxx Month Seasoning since last mortgage late exceeding xxx days. Bwr was xxx days in xxx which would make this loan eligible xxx. Allowing to close early inside of august since only xxx weeks out. | (No Data) | xxx Underwriter has reviewed the Loan Exception Form approved by upper management. Seasoning since the last mortgage payment does not adhere to guidelines, however, the exception will remain but is deemed non-material due to this not being a fatal issue. Compensating factors are the low DTI ratios xxx%, Loan to value is xxx%,borrower has been self employed for xxx years and has lived at the subject property for xxx years. The xxx grade is changed from material to non-material. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over xxx years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at same residence for over xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of xxx% is below guideline requirement of xxx% for this program. |
| 10108 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for xxx years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has cash reserves of $xxx, no reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is xxx% and maximum allowed is xxx%. |
| 10109 | 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: The Borrower has been in the same profession for xxxyears.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current resided for xxxyears.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is xxx%; guideline maximum is xxx%. |
| 10051 | XXXXXX | CA | 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 | Initial application was taken xxx, the intiial LE was not issued until xxx. Greater than the required xxxdays | xxx - Client response - Application dated xxx provided in error and is incomplete. Please see attached correct applications dated xxx | xxx - Exception satisfied, Client provided Correct Application dated xxx. Client stated that xxx is incomplete and provided in error. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over xxxyears.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over xxxyears.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of xxx% is below guideline requirement of xxx% for this program. |
| 10152 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC806 | Notary Status is missing | No | The DOT in the file is unsigned copy. Please provide the fully executed DOT with all applicable riders and notary. | xxx-Clients response: xxx pm Please see the attached executed dot. Please clear the condition | xxx-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxx mid score per CBR<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: xxx months of xxx consumer credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: xxx months of reserves. |
| 10152 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC869 | Mortgage not signed | No | The DOT in the file is unsigned copy. Please provide the fully executed DOT with all applicable riders. | xxx-Clients response: xxx pm Please see the attached executed dot . Please clear the exception. | xxx-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxx mid score per CBR<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: xxx months of xxx consumer credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: xxx months of reserves. |
| 10152 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Credit | Legal Documents | Satisfied D A | CRDLGL2277 | Note Not Executed | No | Note in file is not signed by the borrower. | xxx-Clients response: xxx pm Please see the attached executed note. Please clear the condition. | xxx-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxx mid score per CBR<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: xxx months of xxx consumer credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: xxx months of reserves. |
| 10152 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Credit | Legal Documents | Satisfied D A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | Missing final signed CD. | xxx-Clients Response: xxx pm PLEASE SEE THE ATTACHED FINAL HUD 1.Please clear the condition. | xxx-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxx mid score per CBR<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: xxx months of xxx consumer credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: xxx months of reserves. |
| 10110 | XXXXXX | CA | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | LTV/CLTV | Active C B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Max LTV on this loan program is xxx% due to the credit score being xxx. | xxx Client responded - Please see the attached Loan exception for the LTV over by xxx%. Please clear the exception. xxx Sr. U/W additional review. LTV of xxx% is greater than xxx% allowed per guidelines with a xxx score for purchase of investment property. Client sent the Loan exception with compensating factors of xxx months reserves, xxx years of payment history, xxx years at current address and mid score of xxx. Exception was approved by management. The exception remains, however the xxx grade is hanged from material to non-material. | xxx Upon further review, Exception approval provided with compensating factors. Exception remains, however deemed non material and is not a fatal issue, compensating factors of xxx months reserves, xxx years of payment history, xxx years at current address and mid score of xxx. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxx; required reserves $xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is xxx and minimum required is xxx<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is xxx%. |
| 10715 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | Property Valuations | FEMA | Satisfied A | PRVAFEMA4817 | Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public) | No | FEMA xxx reported with declaration date xxx and effective date xxx for Hurricane xxx. Disaster inspection dated xxx reflects no damage. (xxx). | xxx: Lender provided copy of PDI dated xxx showing no damage | xxx: Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program maximum xxx.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has xxx years xxx months at current residence.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has low use of consumer credit. Credit line usage xxx%. |
| 10153 | XXXXXX | TX | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Provide CPA letter stating the percentage of ownership for the borrower; for the xxx. | xxx. Client responded - Please see the attached CPA LETTER xxx.% Ownership. Please clear the exception. | xxx. Client sent a letter from xxx.% Ownership for xxx. In xxx. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over xxx. Years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of xxx.% is below guideline requirement of xxx.% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current |
| 10154 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of xxx% is below guideline requirement of xxx% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current. |
| 10155 | 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: Representative credit score xxx above program requirement xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $xxx. No cash required to close. Required reserves xxx months x $xxx<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%. |
| 10156 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH123 | No evidence of required debt payoff | No | Final approval shows auto payment with xxx was paid at closing and not included in debt. No proof in file of payoff. Including this debt would push the back end DTI to xxx%. | xxx Client responded - This debt is paid thru the business checking account Please see the attached Business Bank Statement showing being paid and also please see the attached guidelines showing the business debts are not included in the borrower's debt. Please clear the exception. | xxx Client sent Business Bank statement verifying xxx payment being paid by business. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxx mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: xxx months of xxx consumer history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: xxx months of xxx rental history per VOR in file. |
| 10157 | XXXXXX | IL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR848 | Missing Hazard Insurance | No | Missing required xxx master hazard policy. | xxx Client responded - Please see the attached master policy. Please clear the exception. | xxx Client sent the xxx Master Hazard policy. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxx mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: xxx months of xxx consumer history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: xxx months of reserves per HUD-1 cash back to borrower; DSCR file. |
| 10157 | XXXXXX | IL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL2277 | Note Not Executed | No | Missing the required executed Note; multiple unsigned Notes in file. | xxx Client responded - Please see the attached executed note. Please clear the condition. | xxx Client sent the fully executed Note. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxx mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: xxx months of xxx consumer history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: xxx months of reserves per HUD-1 cash back to borrower; DSCR file. |
| 10158 | XXXXXX | TX | (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 evidence of borrowers legal residency in xxx indicates borrower is permanent resident alien. Copy of front and back of residency card was no located in file. Provide complete copy of residency card for review. | xxx- Client Provided drivers license, front and back xxx-Clients response: xxx am There was an error on the xxx borrower is a US Citizen but the xxx was corrected see the attached and clear the condition. xxx Client responded - Please see the attached LOE. Please clear the exception. xxx Client responded - Please see the attached LOE. Please clear the exception. | xxx- xxx Response- Please provide proof of residency as a permanent resident alien. Permanent resident alien card is issued to those approved applicants upon their xxx application. Drivers license does not prove permanent resident alien. xxx-Provide a letter of explanation for the error on the xxx for the borrower citizenship. Exception remains. xxx Client sent the updated application xxx showing the borrower as a US citizen however the LOE that was requested is for Loan Number xxx. This loan number is xxx. Exception remains xxx Client sent in LOE corresponding with the updated xxx notating the borrower is a US citizen. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has xxx years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets $xxx. Required cash to close $xxx. Cash reserves $xxx. Required reserves xxx months x $xxx<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports xxx mos. xxx |
| 10159 | XXXXXX | TX | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Terms/Guidelines | Active C B | CRDTER3262 | Property issues indicated | No | Minimum equity for program is xxx Loan only has xxx in equity. | xxx Client responded - Please see the attached loan exception for the minimum equity. Please clear the condition. | xxx Underwriter Has reviewed the Credit Exception Request approved by upper management for the $xxx in equity for the property not being met, however, the exception is deemed non-material due to the equity not being a fatal issue. Compensating factors on the file are fico xxx years at present address, xxx months of xxx on mortgage payments. xxx Underwriter Has reviewed the Credit Exception Request approved by upper management for the $xxx in equity for the property not being met, however, the exception is deemed non-material due to the equity not being a fatal issue. Compensating factors on the file are fico xxx years at present address, xxx months of xxx on mortgage. Exception remains however the xxx grade is changed from material to non-material. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of xxx% is below guideline requirement of xxx% for this program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is xxx |
| 10160 | XXXXXX | ID | 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 | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged receipt of CD xxx days prior to consummation date of xxx | xxx - Client response - Please see the attached evidence that borrower acknowledged receipt of CD xxx days prior to consummation date of xxx. Please clear the exception | xxx - xxx decision - Exception satisfied, Client provided proof of receipt on xxx. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over xxx years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over xxx years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Been at same job over xxx years. |
| 10111 | 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: Borrower has been in same profession for over xxxyears.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of xxx% is below guideline requirement of xxx% for this program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is xxx |
| 10161 | XXXXXX | NC | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3262 | Property issues indicated | No | Property is not eligible for program and does not meet required property guidelines. xxx-Appraisal verifies this is rural property, xxx program does not allow rural properties. xxx-Property has private road with no maintenance agreement; guidelines do not allow properties with private roads without road maintenance agreement. | xxx Client responded - Loan is being considered suburban with rural tendencies - Property close to town and xxx miles to the xxx, xxx. Property is near numerous recreational activities such as xxx Comps at xxx and xxx mile. xxx min away, xxx minutes away. Please clear the condition xxx: Clients response xxx pm Please see the attached xxx month chain for the private road. Please clear the exception. xxx Client responded - Please see the attached Private road cert. Please clear the exception. | xxx The xxx states to provide a copy of the road maintenance agreement for private road access. Rural property is acceptable as rural with suburban tendencies due to the xxx comps being within xxx miles and xxx within xxx miles. Exception remains. xxx: Document received is a General Warranty Deed; it does not address the private road maintenance. Provide a copy of the road maintenance agreement for the private road. Agreement should address who is responsible for maintaining the private road. Exception remains. xxx Client sent the General Warranty Deed that clarifies the right of way and access on the private road as to xxx, xxx and xxx and LOE in reference to the maintenance of the Private road. The property is within xxx miles of suburban areas and xxx comps are within xxx miles and xxx comps are within xxx miles of the subject property. Property has suburban characteristics. Exceptions satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is xxx% and maximum allowed is xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is xxx and minimum required is xxx<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage pay history shows no late pays for xxx months. |
| 10788 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Property Valuations | FEMA | Satisfied B A | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | On xxx a natural disaster was declared due to Hurricane xxx in the region. The appraisal is dated xxx and the loan closed on xxx A post disaster inspection is required to ensure the property was not affected by the hurricane | xxx-Clients response: xxxpm Please see 12:37:47 attached post disaster inspection and clear condition. | xxx-Document received; exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets $xxx. Cash required to close $xxx. Cash reserves $xxx. Required reserves 6 months x PITI $xxx.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports xxx mos. xxx. |
| 10162 | XXXXXX | UT | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower received cash in hand at close of $xxx. Required reserves xxx months x PITI $xxx=$xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx. |
| 10163 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Missing verification of mortgage payment of $xxx for xxx used to qualify. No VOM in file and lien is not reported on CBR. | xxx Client responded - Please see the attached VOM. | xxx Client sent the VOM for Property xxx verifying it is a mortgage and xxx with an origination date of xxx. VOM is from xxx with a payment of $xxx Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets $xxx. Cash required to close $xxx. Cash reserves $xxx. Required reserves xxx months x $xxx = $xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%. |
| 10163 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2906 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors | No | Missing verification of mortgage payment of $xxx for xxx used to qualify. No VOM in file and lien is not reported on CBR. | xxx Client responded - Please see the attached vom. Please clear the exception. | xxx- Provided internal email regarding VOM with a (see attached) for VOM; no attachment of VOM provided xxx- Client xxx the VOM from xxx verifying the Mortgage for xxx originating xxx with xxx. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets $xxx. Cash required to close $xxx. Cash reserves $xxx. Required reserves xxx months x $xxx = $xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%. |
| 10163 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing verification of mortgage for xxx. 1003 reflects lender as xxx with payment of $xxx monthly. No VOM in file and lien is not reported on CBR. Missing VOR for departing residence. VOM and VOR to verify xxx history for most recent xxx required due to DTI being xxx. | xxx-Clients response: xxx pm Please accept this as confirmation of the mortgage rating for xxx I called xxx and spoke with xxx (she also completed the VOM For xxx(see attached) She confirmed the origination date of this mortgage was xxx and has a current balance of $xxx with payments of $xxx Loan has been paid as agreed since the inception of mortgage. xxx Underwriter. | xxx-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets $xxx. Cash required to close $xxx. Cash reserves $xxx. Required reserves xxx months x $xxx = $xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%. |
| 10163 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Credit | DTI | Active C B | CRDDTI187 | Debt Ratio > 50% | No | Qualifying DTI xxx% requires maximum LTV xxx mortgage history and $xxx per month disposable income. Qualifying LTV xxx% below xxx% maximum. Exception placed for mortgage history. Approved exception in file indicates borrower's disposable was below $xxx however reviewer calculated monthly disposable income $xxx. | xxx-Clients response: xxx pm Please see the attached Loan exception and please clear the condition. | xxx Underwriter has reviewed the Credit Exception Form approved by upper management for the DTI over xxx% with a residual income of $xxx instead of $xxx as required in the guidelines for this xxx loan program. The exception remains but is deemed non-material due to the DTI and residual income not being a fatal issue. Compensating factors are xxx fico, mortgage payments with xxx from xxx to current day and xxx months in reserves. The xxx grade is changed from material to non-material. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets $xxx. Cash required to close $xxx. Cash reserves $xxx. Required reserves xxx months x $xxx = $xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%. |
| 10164 | XXXXXX | CA | 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 in business since xxx and same line of work for xxx years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxx mid-score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: xxx months of reserves. |
| 10165 | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | RESPA | Active B | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counseling organizations dated xxx. The list not provided within xxx days of application of xxx. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has xxx years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower received $xxx back at closing. No reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx. |
| 10166 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has xxx years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower received $xxx at close. No reserves required, LTV xxx%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports xxx and xxx |
| 10112 | XXXXXX | MD | 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 B | CMPTRID3966 | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | Final CD dated xxx in the Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and neither of You declined it and/or Your lender does not offer one are selected. | xxx - Client response - Please see the attached PCCD ISSUED ON xxx. Please clear the condition. | xxx conclusion - Exception satisfied, Client provided PCCD with option selected. | Non-Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is xxx%; guideline maximum is xxx% with a xxx credit score.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is xxx the minimum credit score is xxx at xxx%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The Borrower has had xxx for more than xxx months on the current Mortgage History. |
| 10716 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Property Valuations | FEMA | Active B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | On XXX a natural disaster was declared due to XXX in the region. The appraisal is dated XXX and the loan closed on XXX. A post disaster inspection has to be completed to ensure the integrity of the property was not affected by the XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65% and maximum allowed is 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $239,814.30; required reserves $2335.09 x 6 = $14,010.54.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 763 and minimum required is 600 |
| 10167 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | Provide the Master Insurance Policy for the xxx association. xxx | xxx Please see the attached master policy. Please clear the exception. | xxx Client sent the Master Insurance Policy for the xxx association. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has xxx years at current residence.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx. |
| 10167 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Terms/Guidelines | Active B | CRDTER110 | Loan amount exceeds guideline maximum | No | Loan does not meet minimum equity requirement of $xxx. Market Value xxxless loan amount $xxx = $xxx equity. Approved credit exception in file for equity of $xxx below minimum requirement. | (No Data) | xxx Underwriter has reviewed the Credit Exception Request Form approved by upper management addressing $xxx in equity for the subject property. The exception remains, however, is deemed non-material due to the equity not being a fatal error. The compensating factors are fico xxx months in reserves, xxx years at their current address, and xxx months of xxx on their mortgage history. The xxx grade is changed from material to non-material. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has xxx years at current residence.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx. |
| 10167 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Terms/Guidelines | Active B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Subject property is a non-warrantable condominium. Loan does not meet guidelines for non-warrantable due to a single entity owning for than xxx% of total units. Condo documents in file disclose two individuals each own xxx units a piece. xxx units / xxx units total = xxx% of total units owned by a single entity. Approved credit exception in file for the property type. | (No Data) | xxx Underwriter has reviewed the Credit Exception Request form approved by upper management to allow for a non-warrantable condo, the exception remains but is deemed non-material due to the non-warrantable condo not being a fatal error. Compensating factors are fico xxx months of reserves, xxx years at present address and xxx months of xxx xxx for mortgage payments. The xxx grade is changed from material to non-material. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has xxx years at current residence.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx. |
| 10168 | 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 | DTI | Active B | CRDDTI105 | Debt Ratio Exception 5% or Less | No | Reviewer calculated DTI xxx% exceeds program maximum of xxx% for first time home buyer. Reviewer calculated earnings for B1 $xxx and B2 $xxx with total expenses $xxx. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $xxx. Cash required to close $xxx. Cash reserves $xxx. Required reserves xxx months x $xxx.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower xxx has xxx years xxx months in same line of work.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%. |
| 10168 | 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 | Income/Employment | Active B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Verification of B1 self-employment is incomplete. Tax preparer letter in file however missing either verification of tax preparers license from municipal, xxx licensing board or proof of their business existence. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $xxx. Cash required to close $xxx. Cash reserves $xxx. Required reserves xxx months x $xxx.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower xxx has xxx years xxx months in same line of work.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%. |
| 10168 | 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 | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Provide satisfactory letter of explanation for use of a personal savings account for business deposits. Additionally provide an updated Bank Statement calculation as the calculation located in file indicates account ending in xxx was used however xxx was the actual account used to calculate the xxx mo. bank statement average. Bank Statement calculation provided to support $xxx used to qualify. | xxx Client responded - Please see the attached LOE. Please clear the exception. | xxx Client sent the LOE for xxx account ending xxx This account is used for all business income deposits. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $xxx. Cash required to close $xxx. Cash reserves $xxx. Required reserves xxx months x $xxx.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower xxx has xxx years xxx months in same line of work.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%. |
| 10690 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Income/Employment | Satisfied D A | CRDINC2340 | Employment verification does not meet guidelines | No | Operating Income statement for the business for xxx. | xxx- Provided executed Operating Agreement | xxx- Provided documentation satisfies exception | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of xxx% is below guideline requirement of xxx% for this program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is xxx |
| 10690 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL191 | Missing Mortgage | No | Provide the fully executed mortgage for the subject property. The mortgage in the file is for a different property. | xxx-Clients response: xxx pm Please see the attached correct mtg. Please clear the exception. | xxx: Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of xxx% is below guideline requirement of xxx% for this program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is xxx |
| 10169 | 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: Post closing reserves $xxx; required reserves $xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is xxx and minimum required for first time buyer is xxx<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is xxx% and maximum allowed is xxx%. |
| 10170 | 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 C A | CRDINC2488 | Verbal verification of employment missing | No | Provide letter from CPA/Accountant that verifies the percentage of the business xxx. Program requires this condition. | xxx-Clients response: xxx pm Please see the attached CPA letter that verifies the percentage of the business xxx. Please clear the exception | xxx: Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: xxx years living at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: xxx start day at xxx<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: xxx years in the xxx appraisal industry.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxx mid-score per CBR. |
| 10170 | 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 | CRDINC3204 | Income Documentation Missing | No | Provide the borrowers business license for xxx. | xxx-Clients response: xxx pm Please see the attached [page xxx of our guidelines stating that the CPA letter is sufficient enough to clear this exception. The CPA letter has been provided to you. | xxx-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: xxx years living at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: xxx start day at xxx<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: xxx years in the xxx appraisal industry.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxx mid-score per CBR. |
| 10171 | XXXXXX | FL | 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 B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | $xxx xxx Percent Tolerance Violation due to increase in Lenders Title Policy from $xxx to $xxx on Final CD xxx, without a valid Change in Circumstance. Requires CIC, or corrected PCCD, copy of refund check, LOX and verification of shipping. Borrower used title insurance company on SPL subject to ten percent tolerance. | xxx - Client response - Please see the attached final closing disc and copy of the check. Please clear the exception. | xxx conclusion - Exception satisfied, Client provided refund and PCCD to borrower. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: xxx years living at departure residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: xxx years self-employed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxx mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: xxx months of xxx consumer history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: xxx months of xxx mortgage history per CBR. |
| 10171 | XXXXXX | FL | 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 | Satisfied C A | CRDINC150 | Income docs do not meet guidelines | No | Provide the business license for the borrowers self employed business. | xxx-Clients response: xxx pm Please see the attached cpa letter . The borrower Does NOT own the business paid xxx. It is a bank statements loan to a self employed borrower who is paid via xxx, and files a xxx. xxx-Clients response: xxx pm Please see the attached page xxx of the guidelines there is no requirement the CPA letter is acceptable evidence of the borrowers business. Please clear the exception | xxx-Borrower is the xxx; filing a xxx is for a xxx person. The xxx questionnaire states she own xxx% of the business. Provide her business license. Exception remains. xxx-Document received; exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: xxx years living at departure residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: xxx years self-employed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxx mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: xxx months of xxx consumer history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: xxx months of xxx mortgage history per CBR. |
| 10171 | XXXXXX | FL | 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 | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Letter from CPA/Accountant confirming the percentage of the self employed business for the borrower. | xxx-Clients response: xxx pm Please see the attached CPA letter. Please clear the condition. | xxx-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: xxx years living at departure residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: xxx years self-employed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxx mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: xxx months of xxx consumer history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: xxx months of xxx mortgage history per CBR. |
| 10172 | XXXXXX | IN | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is xxx and minimum required is xxx<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been in current job for xxx years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxx; required reserves $xxx = $xxx. |
| 10017 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is xxx and minimum required is xxx.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is xxx% and maximum allowed is xxx%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has excellent credit history, with no late pays on any account with over xxx years total pay history. |
| 10173 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | 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 xxx xxx department and xxx revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $xxx. Required funds to close $xxx. Cash reserves $xxx. No reserves required, LTV equal to xxx%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrowers have xxx years xxx months in same line of work.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%. |
| 10173 | 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 | Missing complete copy of xxx statements for periods ending xxx and xxx. No statement for xxx or xxx were located in file. Statements required to complete bank statement income calculation. | xxx--Clients response: xxx pm please see the attached complete copy of xxx statements for periods ending xxx and xxx. Please clear the exception xxx: Clients response: xxx pm please see the attached complete copy of xxx statements for periods ending xxx and xxx. Please clear the exception. | xxx: Documents received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $xxx. Required funds to close $xxx. Cash reserves $xxx. No reserves required, LTV equal to xxx%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrowers have xxx years xxx months in same line of work.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%. |
| 10174 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | Federal Consumer Protection | Active B | CMPFDCP4569 | NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same | No | NMLS search of ID xxx does not have a direct match to loan officer name reflected on xxx, Note and Deed of Trust however appears to be one and same person. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has xxx years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: borrower has xxx years same line of work.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets $xxx. Cash required to close $xxx. Cash reserves $xxx. Required reserves xxx months x $xxx. |
| 10717 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has xxx years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets $xxx. No funds required to close. No reserves required. |
| 10718 | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC869 | Mortgage not signed | No | DOT in the file is a non-executed copy.Please provide a fully signed and notarized Mortgage. | xxx-Clients response: xxx pm Please see the attached executed dot. Please clear the condition. | xxx-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports xxx mos. xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets $xxx. Funds required to close $xxx. Cash reserves $xxx. Required reserves xxx months x $xxx PITI = $xxx |
| 10718 | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Missing fully executed Final xxx Provide for review. | xxx-Clients response: xxx pm Please see the attached final xxx. Please clear the condition. | xxx: Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports xxx mos. xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets $xxx. Funds required to close $xxx. Cash reserves $xxx. Required reserves xxx months x $xxx PITI = $xxx |
| 10718 | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing verification of tax preparer's license as required by guideline. Verification can be from municipal, xxx licensing board or proof of their business existence. | xxx Clients response: xxx pm Please see the attached tax preparers license . Please clear the condition. | xxx-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports xxx mos. xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets $xxx. Funds required to close $xxx. Cash reserves $xxx. Required reserves xxx months x $xxx PITI = $xxx |
| 10718 | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | CD dated xxx reflects $xxx required to close is not executed by borrower. Provide a fully executed CD for subject transaction for review. | xxx: Clients response: xxx pm Please see the attached final cd . please clear the condition. Please see the attached final cd . please clear the condition. | xxx: Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports xxx mos. xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets $xxx. Funds required to close $xxx. Cash reserves $xxx. Required reserves xxx months x $xxx PITI = $xxx |
| 10718 | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Credit | Legal Documents | Satisfied D A | CRDLGL2277 | Note Not Executed | No | Note Not Executed | xxx: Clients response: xxx pm Please see the attached executed note. Please clear the exception | xxx-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports xxx mos. xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets $xxx. Funds required to close $xxx. Cash reserves $xxx. Required reserves xxx months x $xxx PITI = $xxx |
| 10175 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Provide a letter from CPA/Accountant that states the percentage of ownership for the business xxx. per the guidelines for this loan program. | xxx-Clients response: xxx pm xxx used the Operating agreement for xxx to establish xxx% ownership. Please see attached operating agreement, xxx Annual Report, and Evidence of good standing from xxx State Division of Corporations. Please clear condition | xxx-Document received; exception is satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: xxx years in the xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxx mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: xxx months of xxx consumer history per CBR. |
| 10175 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide business license for xxx | xxx-Clients response: xxx pm xxx used the Operating agreement for xxx to establish xxx% ownership and active status of business. Please see attached operating agreement, xxx Profit xxx Report, and Evidence of good standing from xxx State Division of Corporations. Please clear condition | xxx-Document received; exception is satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: xxx years in the xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxx mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: xxx months of xxx consumer history per CBR. |
| 10176 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over xxx years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of xxx% is below guideline requirement of xxx% for this program. |
| 10177 | XXXXXX | MO | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of xxx % is below guideline requirement of xxx % for this program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is xxx |
| 10719 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | Missing Personal Guaranty for xxx% ownership. Per guidelines anyone owning xxx% of the entity must sign a Personal Guaranty. | xxx-Clients response: xxx pm Please see the attached Personal Guaranty . Please clear the exception | xxx-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is xxx%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: xxx since xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of xxx exceeds guidelines. |
| 10719 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD signed and/or marked True and Certified. | xxx-Clients response: xxx pm Please see the attached final HUD1 . Please clear the exception. | xxx-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is xxx%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: xxx since xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of xxx exceeds guidelines. |
| 10719 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Operating Agreement stating the full percentage of ownership for xxx. Action by Written Consent dated xxx removes xxx as Manager and is signed by xxx % and xxx%. | xxx-Clients response: xxx pm Please see the attached operating agreement. Please clear the condition. | xxx: Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is xxx%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: xxx since xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of xxx exceeds guidelines. |
| 10178 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over xxx years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of xxx% is below guideline requirement of xxx% for this program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is xxx |
| 10179 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying CLTV xxx% below program maximum xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $xxx. Required reserves xxx months x PITIA $xxx = $xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx. |
| 10180 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: xxx years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxx mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: xxx months of xxx consumer credit history. |
| 10181 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is xxx% and maximum allowed is xxx%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxx; no reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is xxx and minimum required is xxx |
| 10182 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing complete xxx mos. housing history required by guidelines. Borrower LOX indicates unable to verify xxx payment to private landlord. Approved credit exception in file to allow the missing verification of xxx payment. | (No Data) | xxx Underwriter has reviewed the Credit Exception Request approved by upper management allowing xxx months of rental history instead of xxx as required by the loan program. The exception remains, however, is deemed at non-material as this is not a fatal issue. The compensating factors on the loan are xxx fico, LTV xxx%, more than xxx years work history. The xxx grade has been changed from material to non-material. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI xxx% below program maximum xxx%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has xxx years in same line of work. |
| 10182 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing satisfactory letter of explanation from landlord to explain why rent payments vary from month to month. xxx reflects rent as $xxx monthly however the following months reflected less than $xxx paid: xxx. Need to verify the payments lower than disclosed were acceptable. | xxx Client responded - Please see the attached LOE why rent payments vary from month to month. Please clear the exception. xxxClient responded - Please see the attached LOE why rent payments vary from month to month. Please clear the exception. | xxx Client sent the LOE from the borrower that the xxx rent was paid in cash and there was no receipt issued. The LOE does not explain why the monthly payments varied each month, Please see above in the differences in the monthly payments and send LOE for the differences. Exception remains. xxx Client sent the LOE for amounts different for the rent. Rents until xxx were $xxx and xxx monthly rents were $xxx. Payments made via Zelle and had to be split due to total amount in xxx. Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI xxx% below program maximum xxx%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has xxx years in same line of work. |
| 10183 | 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: Guarantor in same line of work for xxx years and xxx months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guideline requirements xxx<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has xxx in the last xxx months in rental history |
| 10184 | XXXXXX | CA | (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 | Provide copy of Final HUD Settlement Statement. File contains Estimated HUD. | xxx Client responded - Please see the Final Hud 1 . Please clear the exception. | xxx Client sent the Final HUD Settlement Statement. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for xxx years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxx; required reserves $xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is xxx and minimum required is xxx |
| 10185 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is xxx% and maximum allowed is xxx%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxx; required reserves $xxx = $xxx.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for xxx years. |
| 10186 | XXXXXX | OK | 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 xxx. years same line of work.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx.% below program maximum xxx.%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $xxx. Required funds to close $xxx.. Cash reserves $xxx.. Required reserves xxx. months x PITI $xxx.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI xxx.% below program maximum xxx.%. |
| 10720 | XXXXXX | AL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over xxx years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxx credit score exceeds guideline requirement of xxx for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current |
| 10187 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Property Valuations | FEMA | Active B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | On xxx a natural disaster was declared due to Hurricane xxx in the region. The appraisal is dated xxx and the loan closed on xxx. An inspection is required to ensure the integrity of the subject property has not been compromised due to the storm. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets $xxx. Funds required to close $xxx. Cash reserves $xxx. Required reserves xxx months x PITI $xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx. |
| 10721 | 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: xxx qualifying credit score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: xxx months of excess reserves in file. |
| 10770 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Property Valuations | FEMA | Satisfied C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | Hurricane xxx Declaration date is xxx Appraisal was done xxx. | xxx-Clients response: xxx pm Please see the attached 1004D. Please clear the condition | xxx-Document received; exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of xxx% is below guideline requirement of xxx% for this program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of xxx exceeds guideline requirement of xxx for this program. |
| 10188 | XXXXXX | TX | 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: All open account are current<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is xxx<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of xxx% is below guideline requirement of xxx% for this program. |
| 10189 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | Missing copy of current master xxx policy. Legal description indicates property is a xxx, subject property is xxx apartments within unit xxx of the project. | xxx-Clients response: xxx pm Please see the attached master xxx policy. Please clear the exception. xxx-Clients response: xxx pm The Insurance provided has all xxx units covered which covers the entire dwelling and placement cost. Please clear the exception. xxx: Clients response: Provide a letter of conversion for the funds from xxx in order for these funds to be counted in the total assets. Exception remains. xxx: Clients response: xxx pm The Insurance provided has all xxx units covered which covers the entire dwelling and placement cost. Please look at property information it will show you all the apt numbers xxx - Please clear the exception. | xxx: The insurance provided is the borrowers policy; exception is for the Master Policy from the xxx. Exception remains. xxxThe insurance provided shows the Premise Location as xxx, its does not cover all xxx units. Exception remains. xxx-The document not received; exception remains. xxx-Documents received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is xxx% and maximum allowed is xxx%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxx, no reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is xxx and minimum required is xxx |
| 10189 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Personal Guaranty fully executed for xxx% owner of xxx. All owners of xxx with more than xxx% ownership are required to sign a Personal Guaranty. File contains one for xxx also xxx% owner. | xxx: Clients response: xxx pm Please see the attached Personal Guaranty for xxx. Please clear the exception. | xxx: Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is xxx% and maximum allowed is xxx%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxx, no reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is xxx and minimum required is xxx |
| 10190 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is xxx% and maximum allowed is xxx%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: No reserves required. Post closing reserves $xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is xxx and minimum required is xxx |
| 10191 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score of xxx is greater than minimum credit score allowed<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports xxx mos. xxx and xxx mos. xxx |
| 10192 | XXXXXX | CO | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of xxx% is below guideline requirement of xxx% for this program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of xxx exceeds guideline requirement of xxx for this program. |
| 10722 | XXXXXX | CA | (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 | Signed xxx estimated HUD-1 in file; missing final signed HUD-1. Loan is subject to additional exceptions based on potential differences between estimated and final HUD 1 | xxx-Clients response: xxx pm Please see the attached estimated signed HUD1. Please clear the condition | xxx-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxx mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: xxx months of xxx consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: xxx months of xxx mortgage history per CBR. |
| 10723 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxx; required reserves $xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is xxx and minimum required is xxx<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has good credit history with no late pays on any account, in file for xxx years. |
| 10724 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | Provide the Operating Agreement for xxx to show the percentage of ownership (if any) for xxx. If xxx owns xxx% or more of the xxx she will need to sign a Personal Guaranty. | xxx-Clients response: xxx pm Please see the attached Resolution showing that xxx has xxx percentage of the business . Please clear the condition | xxx-Received the business Resolution for xxx which shows xxx with xxx% ownership in the company. Exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over xxx years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of xxx exceeds guideline requirement of xxx for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current |
| 10193 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have xxx years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $xxx. Required cash to close $xxx. Cash reserves $xxx. No reserves required, LTV < xxx%. |
| 10194 | XXXXXX | LA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR3792 | Insurance policy missing Rent Loss/Business Interruption coverage | No | Insurance policy is missing verification of required Rent Loss coverage. | xxx Client responded - Please see the attached Rent Loss verification. Please clear the condition. | xxx Client sent the xxx Property Insurance Policy Summary with a copy of the xxx premium stating the policy is Rental Property. Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for xxx years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxx; required reserves $xxx = $xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is xxx and minimum required is xxx |
| 10195 | XXXXXX | IN | 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 rented current property with xxx since xxx.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit history is xxx in last xxx months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been in the same line of work for xxx years and xxx months. |
| 10725 | 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 | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Assets do not meet seasoning requirements. Credit exception in file to allow seasoning xxx days. | (No Data) | xxx Underwriter has reviewed the Credit Exception Request that has been approved by upper management allowing the closing assets to not be seasoned for xxx days per the guidelines. The exception will remain but the seasoned assets are not deemed a fatal issue. The compensating factors are xxx months in reserves, excellent rental history and thriving business. The xxx grade is changed from material to non-material. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has xxx years xxx months in same line of work.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $xxx. Required funds to close $xxx. Cash reserves $xxx. No reserves required, LTV xxx%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI xxx% below program maximum xxx%. |
| 10725 | 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 | LTV/CLTV | Active B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Borrower is first-time home buyer with representative credit score xxx Guidelines requires a xxx% reduction in LTV. Max LTV per program is xxx%. Loan qualified at xxx%. Approved credit exception located in file to allow LTV of xxx%. | (No Data) | xxx Underwriter has reviewed the Credit Exception request that has been approved by upper management for the xxx% LTV increase from xxx% to xxx% due to the borrower being a first time home buyer. The exception will remain however due to the LTV not being a fatal issue it is deemed non-material. Compensating factors are xxx months in reserves, excellent rental history and thriving business. The xxx grade has been updated from material to non-material. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has xxx years xxx months in same line of work.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $xxx. Required funds to close $xxx. Cash reserves $xxx. No reserves required, LTV xxx%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI xxx% below program maximum xxx%. |
| 10196 | 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 | Loan approval in file with Loan Status of Docs Out indicates loan qualified with DSCR however Final xxx reflects borrower self-employment and xxx mo. Bank statements and bank statement calculation in file. Provide clarification if qualifying with DSCR is the qualifying Doc Type. Additional exceptions may apply. | xxx Client responded - Please see the attached final loan approval. Please clear the exception. | xxx Client sent the Loan Approval for Docs Out verifying the Doc type as DSCR. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has xxx years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx. |
| 10771 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Property Valuations | FEMA | Satisfied C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | On xxx a natural disaster was declared due to Hurricane xxx in the region. The appraisal is dated xxx and the loan closed on xxx. An inspection is required to ensure the integrity of the subject property has not been compromised due to storm | xxx Client responded - Please see attached Post Disaster Inspection and clear condition. | xxx Client sent the PDI dated xxx No damage from Hurricane xxx. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxx mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: xxx months of xxx consumer history.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: xxx months of xxx mortgage history per CBR. |
| 10772 | XXXXXX | NJ | 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 C A | CRDINC2488 | Verbal verification of employment missing | No | Missing verbal verification of employment for B2 completed within 3 business days of closing. No VVOE for B2 was located in file. | xxx Client responded - Please see the attached 1003 and updated approval showing total income of $ xxx for the bwr no income for co bwr was used. this was a clerical error . Please clear the condition | xxx Client sent updated 1003 showing no income for B2. B1 income was changed to $xxx verified from Income worksheet. No income was used for B2. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have xxx years at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower xxx has xxx months at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%. |
| 10772 | XXXXXX | NJ | 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 | Missing pay stub and most recent xxx years xxx to support xxx earnings of $xxx used to qualify. No income docs for xxx were located in file. | xxx Client responded - Please see the attached 1003 and updated approval showing total income of $ xxx for the bwr no income for co bwr was used. this was a clerical error . Please clear the condition | 10.26.2022 Client sent updated 1003 showing no income for B2. B1 income was changed to $xxx verified from Income worksheet. No income was used for B2. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have xxx years at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower xxx has xxx months at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%. |
| 10773 | XXXXXX | CT | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL1817 | Final HUD-1 is incomplete or illegible | No | Missing Final HUD that is either signed or stamped True and Certified. Provide executed HUD 1 settlement statement | xxx-Clients response: xxx, xxx pm Please see attached Final Settlement Statement. Please clear condition xxx Client responded - see attached signed and certified final HUD. Please clear condition | xxx-Settlement Statement received is not signed by the borrower or certified by the title company and a page appears to be missing. Exception remains. xxx Client sent the Final signed HUD1 Settlement Statement. Exception satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports xxx mos. xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has low use of consumer credit. Credit line usage xxx%. |
| 10197 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3262 | Property issues indicated | No | Provide a private road maintenance agreement; appraisal reports private road and appraiser commented that the "HOA likely contracts with a company for street maintenance". Need confirmation on the HOA maintaining the private road xxx. | xxx-Clients response: xxx pm Please see the attached xxx xxx HANDBOOK. There is no private road in this gated community. Please clear the exception. | xxx Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has xxx years xxx months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower received cash out of $xxx at close. Cash reserves $xxx. No reserves required, LTV xxx%. |
| 10726 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL1817 | Final HUD-1 is incomplete or illegible | No | Provide Final HUD 1 Settlement Statement. Files contains HUD that is not signed or stamped True & Certified. | xxx-Clients response: xxx, xxx pm Please see the attached final HUD1. Please clear the condition | xxx-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over xxx years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of xxx exceeds guideline requirement of xxx for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current. |
| 10727 | XXXXXX | OR | (No Data) | ATR/QM: Exempt D B C | N/A | N/A D B C | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL2277 | Note Not Executed | No | Missing fully executed Note and Note Addendums. | xxx Client responded - Please see the attached executed note/ addendums. Please clear the condition | xxx Client sent the fully executed Note with the addendums. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports xxx months xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx. |
| 10727 | XXXXXX | OR | (No Data) | ATR/QM: Exempt D B C | N/A | N/A D B C | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL806 | Notary Status is missing | No | Missing fully executed Mortgage including Notary and All Mortgage Riders. | xxx Client responded - Please see the attached executed Mortgage including Notary and All Mortgage Riders. Please clear the condition | xxx Client sent the fully executed mortgage with the Notary signature and date along with all the Mortgage riders fully executed. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports xxx months xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx. |
| 10727 | XXXXXX | OR | (No Data) | ATR/QM: Exempt D B C | N/A | N/A D B C | N/A | N/A | Property Valuations | Property | Active C B | PRVAPROP177 | Property Issues Indicated | No | Appraisal is based on xxx acres There is an exception in the file for Property is located on xxx acres. Guidelines for xxx state properties over xxx acres are ineligible. The exception in the file has compensating factors with xxx months reserves, LTV of xxx%, FICO xxx, DTI below guidelines xxx years on the job and monthly payments dating back to xxx | xxx Client responded - Please see the attached loan exception for the xxx acres. Please clear the condition. | xxx Client sent the Credit exception allowing for xxx acres to be used. xxx. U/W additional review. Subject property is xxx acres exceeding the guideline maximum. Compensating factors are xxx months reserves, LTV of xxx% FICO of xxx DTI below guidelines and xxx years on the job. The exception remains, however the xxx grade is changed from material to non-material. Lender exception approved by management. Exception remains. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports xxx months xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx. |
| 10728 | 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: Borrower has xxx years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports xxx mos. xxx. |
| 10198 | XXXXXX | GA | 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 xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over xxx years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of xxx% is below guideline requirement of xxx% for this program. |
| 10774 | XXXXXX | GA | 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 | 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 | Provide proof of receipt by borrower for Closing Disclosures issued xxx & xxx. | xxx - Client response - Please see the attached cd for Closing Disclosures issued xxx Please clear the condition | xxx - xxx conclusion - Exception satisfied, client provided E-sign log that shows Borrower received CD xxx and there was no change of product. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: xxx years as an individual contractor.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxx mid-score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: xxx in access reserves in file. |
| 10774 | XXXXXX | GA | 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 | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof of receipt by borrower for Closing Disclosures issued xxx & xxx. | xxx - Client response - Please see the attached cd for Closing Disclosures issued xxx Please clear the condition | xxx conclusion - Exception satisfied, Client provided CDs that show loan was not consummated before end of waiting period. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: xxx years as an individual contractor.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxx mid-score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: xxx in access reserves in file. |
| 10199 | XXXXXX | AZ | 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 xxx years same line of work.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%. |
| 10200 | 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 | Terms/Guidelines | Active B | CRDTER127 | Payment shock does not meet guidelines | No | Payment shock is over xxx% based on initial underwrite. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for over xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of xxx% is below guideline requirement of xxx% for this program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO of xxx exceeds guideline requirement of xxx for this program. |
| 10775 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Property Valuations | FEMA | Satisfied C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | On xxx, xxx a natural disaster was declared due to Hurricane xxx in the region. The appraisal is dated xxx and the loan closed on xxx. A post disaster inspection has to be completed to ensure the integrity of the property was not affected by the hurricane. | xxx-Clients response: xxx, xxx pm Please see the attached fema appraisal. Please clear the condition xxx Client responded - PLEASE SEE THE ATTACHED 1004 FEMA INSPECTION. PLEASE CLEAR THE CONDITION | xxx-Inspection received is for xxx., this is not the property address. Exception remains. xxx Client sent the PDI for xxx. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has xxx years at current residence.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has low use of consumer credit. Credit line usage xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx. |
| 10729 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Final 1003 reflects borrower occupying subject property however copy of lease for subject property was signed on xxx with an effective date xxx. Subject note date is xxx. 1003 was not updated to reflect borrowers current primary residence and expense related to that residency. Need 1003 updated to reflect current primary residence, disclose related primary expense and verify expense for DTI calculation. | xxx Client responded - Please see the attached final 1003 home is free and clear. Please clear the condition | xxx Client sent in the Final Settlement statement for another property that was purchased. Loan proceeds from the subject property were used for the purchase. Subject property is owned free and clear. Client sent the 1003 signed by the borrower xxx. Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has xxx years xxx months at current job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has xxx years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has xxx years xxx months in same line of work. |
| 10729 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Total assets verified $xxxhowever subject settlement statement line xxx reflects $xxx was sent to title company for purchase. No settlement statement was located in file for that purchase. Without use of the $xxx the loan would be short reserves. Remaining assets without the $xxx would be $xxx. Required reserves xxx months x PITIA $xxx = $xxx. Loan would be short reserves ($xxx). Provide documentation to verify how the $xxx was applied to the purchase transaction referenced on line xxx of subject settlement. If all funds were applied to that transaction additional assets would need to be verified to support required reserves. xxx recent consecutive asset statements would be required. | xxx Client responded - Please see the attached hud from previous purchase see cash from bwr for the assets. Please clear the condition | xxx borrower receiving $xxx Due to LTV reserves are not required. LTV is xxx% with xxx point financed in loan amount. Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has xxx years xxx months at current job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has xxx years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has xxx years xxx months in same line of work. |
| 10729 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing complete copy of Final executed CD for purchase that closed with xxx. Final settlement for subject property reflects $xxx was sent to title company xxx. for purchase in the amount of $xxx. Need to determine if the funds were for a purchase of an investment property, verify the PITI and HOA expense if applicable and verify if all funds were used towards that purchase. Loan guidelines require that cash out from this transaction be used for business purpose. Unable to determine that with documents located in file. Also needs verification of PITIA expense and rental income if applicable. | xxx-Clients response: xxx pm Please see the attached .. please clear the condition | xxx-The document provided is the HUD1 from the refinance for property located at xxx showing loan proceeds of $xxx and sent to xxx., for purchasing a new property. Provide the HUD1 for the new property; verify the PITI and documentation that the new property is an investment property. Exception remains. xxx Client sent the HUD for subject stating the funds were paid to the Title company for property purchase and LOE in file states funds to be used for purchase of investment property. Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has xxx years xxx months at current job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has xxx years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has xxx years xxx months in same line of work. |
| 10729 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Reviewer unable to fully calculate xxx mo. average xxx statements to support earnings of $xxx used to qualify. Missing asset statement for period ending xxx. Provide complete copy of statement for review. | xxx Client responded - Please see the attached xxx bank statements . Please clear the condition | xxx Client sent the xxx statement for account xxx supporting the monthly income of $xxx. Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has xxx years xxx months at current job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has xxx years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has xxx years xxx months in same line of work. |
| 10201 | XXXXXX | IL | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Provide a copy of the borrower Permanent Resident Alien card. Per xxx the borrower is a Permanent Resident alien. | xxx-Clients response: xxx pm Please see the attached Resident Alien Card front/ back. Please clear the condition | xxx-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: xxx months PITI reserves exceeds guidelines.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of xxx exceeds guidelines. |
| 10201 | XXXXXX | IL | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Terms/Guidelines | Active B | CRDTER3262 | Property issues indicated | No | There is an issue with the property due to not having $xxx in equity for the subject property. | (No Data) | xxx Underwriter has reviewed the Credit Loan Exception approved by upper management for the property having less than $xxx in equity. The exception will remain, however, it is deemed non-material as this is not a fatal issue. Compensating factors are xxx months reserves, LTV of xxx% and FICO of xxxThe xxx grade has been updated to reflect non-material. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: xxx months PITI reserves exceeds guidelines.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of xxx exceeds guidelines. |
| 10730 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR3792 | Insurance policy missing Rent Loss/Business Interruption coverage | No | Provide the xxx Insurance policy showing coverage of at least $xxx | xxx-Clients response: xxx, xxxpm Please see the attached xxx Ins. Policy. Please clear the condition. This was in xxx under title | xxx: Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of xxx% is below guideline requirement of xxx% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current |
| 10776 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing final executed or stamped CD to support loan proceeds of $xxx used to verify reserves. Copy of settlement statement in file is not signed by borrower or stamped certified by closing agent. | xxx Client responded - Please see attached Certified Final xxx. Please clear this condition xxx Client responded - See attached Settlement Statement signed and certified. Please clear condition | xxx Client sent xxx Final HUDS All xxx are for the wrong borrower and property. Docs sent Property address xxx Borrower is xxx..OUR PROPERTY IS xxx, Borrower is xxx. Exception remains. xxx Client sent the final HUD 1 Settlement statement for our property of xxx Verifying cash to borrower of $xxx. Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has xxx years xxx months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports xxx mos. |
| 10776 | XXXXXX | CA | (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 | Provide final HUD1/CD that has been signed by the borrower and certified by the closing company. | xxx Client responded - Please see attached Certified Final xxx. Please clear this condition xxx Client responded - See attached Settlement Statement signed and certified. Please clear condition | xxx Client sent xxx Final HUDS All xxx are for the wrong borrower and property. Docs sent Property address xxx Borrower is xxx..OUR PROPERTY IS xxx, Borrower is xxx. Exception remains. xxx - Client sent the final HUD 1 Settlement statement for our property of xxx. Verifying cash to borrower of $xxx. Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has xxx years xxx months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports xxx mos. |
| 10731 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of xxx% is below guideline requirement of xxx% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current. |
| 10732 | XXXXXX | CA | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Provide the Condo Master Insurance Policy that has at least $xxx in coverage. | xxx Client responded - Please see attached Condo Master Policy. Please clear this condition. xxx Client responded = exception is satisfied, please clear this condition | xxx Client sent the Condo Master Hazard Policy. Exception satisfied. xxx This exception has been satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over xxx years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of xxx% is below guideline requirement of xxx% for this program. |
| 10733 | XXXXXX | LA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for xxx years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxx; required reserves $xxx = $xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is xxx and minimum required is xxx<br>CFCFS1747: Housing expense increase is 10% or less<br> - Clayton Comments: Housing expense on subject property is decreasing, from $xxx to $xxx. |
| 10734 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of xxx exceeds guideline<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower on job xxx years<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history xxx last xxx months |
| 10735 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of xxx% is below guideline requirement of xxx% for this program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of xxx exceeds guideline requirement of xxx for this program. |
| 10202 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing most recent housing history verified for borrower departing residence to support xxx. If landlord is a private party xxx mos. cancelled checks or xxx mos. bank statements to support pay history. | xxx Client responded - please see the attached guidelines for xxx page xxx housing history. w/ an additional xxx months reserves. Please clear the condition. | xxx Client sent xxx Statement account xxx verifying additional xxx months reserves which is allowed per guidelines for first time home buyer with no recent housing history. Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $xxx. Cash required to close $xxx. Cash reserves $xxx. Required reserves xxx months x PITIA $xxx = $xxx<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has xxx years at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has xxx years at current job. |
| 10736 | XXXXXX | NJ | (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 | Provide Fully executed HUD 1 Settlement statement. | xxx-Clients response: xxx, xxx pm Please see the attached Final Hud 1 Please cleared the condition | xxx-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Low LTV xxx%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: xxx months PITIA<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High fico; xxx, program minimum xxx |
| 10737 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: xxx years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxx mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: xxx months of xxx mortgage history. |
| 10738 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | D | A D B | D | A | Compliance | Documentation | Satisfied D A | CMPDOC806 | Notary Status is missing | No | Missing Notary Signature from mortgage and all corresponding riders. | xxx-Clients response: xxx pm Please see the attached mtg with the notary. Please clear the condition | xxx-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports xxx mos. xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx. |
| 10738 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | D | A D B | D | A | Compliance | Documentation | Satisfied D A | CMPDOC869 | Mortgage not signed | No | Missing executed Mortgage and Mortgage Riders. | xxx-Clients response: xxx pm Please see the attached executed mtg please clear the condition | xxx-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports xxx mos. xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx. |
| 10738 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | D | A D B | D | A | Credit | Application | Satisfied D A | CRDAPP157 | Application Not Signed by Primary Borrower | No | Missing Final 1003 signed by borrower. No 1003 was located in file executed by borrower. | xxx-Clients response: xxx pm Please see the attached final signed 1003. Please clear the condition | xxx-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports xxx mos. xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx. |
| 10738 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | D | A D B | D | A | Credit | Credit/Mtg History | Active B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing complete rental history for primary residence. Asset statements in file from xxx provide history from xxx through xxx Missing history from xxx through xxx. Provide evidence of payments for the missing timeframe to support xxx. | xxx-Clients response: xxx pm Please see the xxx months rental history. Please clear the condition | xxx-Provide the rental history from xxx through xxx-the statements provided have history from xxx and xxx. Need xxx. Exception remains. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports xxx mos. xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx. |
| 10738 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | D | A D B | D | A | Credit | Legal Documents | Satisfied D A | CRDLGL2277 | Note Not Executed | No | Missing executed Note and Note addendums. | xxx-Clients response: xxx pm Please see the attached executed note. Please clear the condition | xxx-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports xxx mos. xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx. |
| 10738 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | D | A D B | D | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing complete copy of executed purchase contract. Provide for review. | xxx- xxx pm Please see the attached purchase contract. Please clear the condition | xxx-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports xxx mos. xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx. |
| 10738 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | D | A D B | D | A | Property Valuations | FEMA | Active B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | On xxx a natural disaster was declared due to Hurricane xxx in the region. The appraisal is dated xxx and the loan closed on xxx. A post disaster inspection has to be completed to ensure the integrity of the property was not affected by the hurricane | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports xxx mos. xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx. |
| 10739 | XXXXXX | TN | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Terms/Guidelines | Active B | CRDTER3262 | Property issues indicated | No | Equity of xxx is less than required xxx needed per guidelines. | (No Data) | xxx Underwriter has reviewed the Credit Exception Request approved by upper management allowing less than $xxx equity in the property per the guidelines. The exception will remain, however, due to this not being a fatal issue, it will be deemed as non-material. The compensating factors are xxx% of borrowers own funds used for closing with $xxx in reserves after closing. Borrower has been at current residence for xxx years. The xxxis changed from material to non-material. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at the same residence for over xxx years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves exceed guidlines |
| 10739 | XXXXXX | TN | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Title | Satisfied D A | CRDTIL796 | Missing Title | No | File is missing a copy of the title | xxx Client responded - Please see the attached copy of the prelim title. Please clear the condition | xxx Client sent a copy of the Preliminary Title. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at the same residence for over xxx years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves exceed guidlines |
| 10740 | 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: Borrower has been in same profession for xxx years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score xxx and minimum required xxx<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is xxx% and maximum allowed is xxx%; bankruptcy settled xxx mos and xxx yrs |
| 10741 | XXXXXX | IL | 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 xxx department and xxx revisions. Exception satisfied. Final Grade A. | (No Data) | xxx- Exception Satisfied | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence xxx years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same line of work xxx years xxx months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $xxx. Required reserves xxx months x PITI $xxx = $xxx. |
| 10203 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been in current job for xxx years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxx; required reserves $xxx = $xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is xxx and minimum required is xxx |
| 10742 | XXXXXX | WA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO score of xxx exceeds guideline requirement of xxx.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for over xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of xxx% is below guideline requirement of xxx% for this program. |
| 10743 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is xxx% and maximum allowed is xxx%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxx, required reserves $xxx = $xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is xxx and minimum required is xxx |
| 10744 | XXXXXX | CA | 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: xxx years self-employed as a xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxx qualifying credit score per CBR.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: xxx years in the xxx profession. |
| 10777 | 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 | Application | Satisfied C A | CRDAPP1813 | Undisclosed non-arm's length transaction | No | Subject loan is a non-arms length transaction. Borrower LOE in file indicates borrower has a business relationship with the seller. Per guideline non-arms length transactions are allowed subject to management review. Missing evidence of managements review and documentation to verify sellers mortgage history to meet normal underwriting guidelines. Provide evidence of management review and sellers mortgage history as required by guidelines. | xxx-Clients response: xxx, xxx am Please see attached xxx Response. Please clear condition | xxx-Document received; exception is satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has xxx years xxx months in same line of work.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has xxx years at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has xxx years xxx months at current job. |
| 10777 | 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 | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing second consecutive statement for xxx xxx to complete xxx day history. Documentation located in file covers xxx xxx. Provide a complete xxx day history of transactions for review. | xxx-Clients response: xxx, xxx am Please see attached xxx Response. Please clear condition xxx Client responded - Please see the attached previous months bank statement that will meet the xxx day requirement for reserves on the above file. Please clear the condition xxx Client sent the Change of Circumstance Form. Still require the additional Bank statement for xxx. xxx-Clients response: xxx, xxx pm See attached xxx bank statement. Please clear this exception. xxx-xxx response: xxx account #xxx dated xxx and is sufficient to clear the exception. Exception is satisfied. | xxx-Document received was the gift letter; document required is the second consecutive bank statement for xxx account xxx to complete the xxx day history. Exception remains. xxx-Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has xxx years xxx months in same line of work.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has xxx years at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has xxx years xxx months at current job. |
| 10745 | 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 been at current residence for over xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of xxx% is below guideline requirement of xxx% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current |
| 10746 | XXXXXX | MA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP3312 | One or more Applications in file are incomplete | No | Provide the final 1003 that shows xxx as applying for individual credit; 1003 in the file shows applying for joint credit. | xxx-Clients response: xxx pm Please see the attached final signed 1003 by the borrower as individual. Please clear the condition | xxx-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxx; required reserves $xxx = $xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is xxx and minimum required is xxx<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is xxx% and maximum allowed is xxx% |
| 10746 | XXXXXX | MA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | Missing complete copy of Operating Agreement for xxx, only page xxx was found. | xxx-Clients response: xxx pm Please see the attached full operating agreement. Please clear the condition | xxx-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxx; required reserves $xxx = $xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is xxx and minimum required is xxx<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is xxx% and maximum allowed is xxx% |
| 10747 | XXXXXX | WA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | File is missing copy of fully executed Final HUD 1. | xxx Client responded- Please see the attached final hud 1. Please clear the condition | xxx Client sent in the Final Master Settlement Statement. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of xxx% is below guideline requirement of xxx% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current xxx |
| 10748 | XXXXXX | UT | 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 | Documentation | Satisfied D A | CMPDOC806 | Notary Status is missing | No | Mortgage in file is missing Notary. | xxx Client responded - Please see the attached mtg w/ notary executed. Please clear the condition | xxx Client sent the executed Mortgage with the Notary included. Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over xxx years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at same job for over xxx years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current |
| 10748 | XXXXXX | UT | 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 | Documentation | Satisfied D A | CMPDOC869 | Mortgage not signed | No | Mortgage in file is not signed by borrowers. | xxx Client responded - Please see the attached executed MTG. Please clear the condition | xxx Client sent the fully executed Mortgage/Deed of Trust. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over xxx years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at same job for over xxx years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current |
| 10748 | XXXXXX | UT | 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 | TILA/RESPA Integrated Disclosure | Satisfied B | 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 xxx department. Exception satisfied. Final Grade A. | (No Data) | xxx- Exception Satisfied | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over xxx years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at same job for over xxx years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current |
| 10748 | XXXXXX | UT | 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 | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Seller CD is missing from file. | xxx - Client response - Please see the attached seller cd. Please clear the condition | xxx - Exception satisfied, Client provided the Seller CD. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over xxx years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at same job for over xxx years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current |
| 10748 | XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Missing proof of rent payments. Verification of Rent for the most recent xxx months; if private party than supply cancelled checks. | xxx-Clients response: xxx pm PLEASE SEE THE ATTACHED VOR xxx MONTHS RENT. PLEASE CLEAR THE CONDITION xxx-Clients response: xxx pm PLEASE SEE THE ATTACHED VOR xxx MONTHS RENT. PLEASE CLEAR THE CONDITION. xxx Client responded - PLEASE SEE THE ATTACHED VOR xxx MONTHS RENT. PLEASE CLEAR THE CONDITION xxx Client sent in xxx months of bank statements showing a transfer of $xxx per month. However the file does not contain anywhere how much the borrowers rent is every month. The xxx does not have nor the LOE for the xxx months that the borrower did not have to pay. Please send a LOE or lease agreement with the monthly rent to tie to the bank statements for $xxx. File does not contain this information. xxx: Lender provided LOX from borrower previous landlord stating the borrowers had been paying rent for previous xxx years. Borrower bank statements in file show the rental amount of $xxx paid monthly. | xxx-Provide the verification of rent; the document was not received. Exception remains. xxx-Guidelines for this loan program require that if the borrowers rent from a private party then cancelled checks must be provided. The letter that we have received refers to xxx months that the private party did not require rent which were xxx, xxx and xxx due to negotiated work on the property. We still need xxx months of cancelled checks to meet the guideline's of the loan program. Exception remains. xxx Client sent in xxx months of bank statements showing a transfer of $xxx per month. However the file does not contain anywhere how much the borrowers rent is every month. The 1003 does not have nor the LOE for the xxx months that the borrower did not have to pay. Please send a LOE or lease agreement with the monthly rent to tie to the bank statements for $xxx. File does not contain this information, Exception remains. xxx: Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over xxx years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at same job for over xxx years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current |
| 10748 | XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Credit | Legal Documents | Satisfied D A | CRDLGL2277 | Note Not Executed | No | Note in file not signed by borrowers. | xxx Client responded - Please see the attached copy of the note. Please clear the condition | xxx Client sent fully executed Note. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over xxx years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at same job for over xxx years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current |
| 10749 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing lender approval with Docs Out status support income Doc Type of DSCR. Two loan approvals are located in file. First has loan status of Approved with Doc Type DSCR. Second has loan status of Docs Out with Doc Type Alt Doc Business Bank Statements. Application appears to reflect Doc Type of DSCR is how borrowers qualified as no employment is reflected and only xxx months business bank statements in file. Provide copy of final approval with Doc Type of DSCR for review. | xxx-Clients response: xxx, xxx am Please see the attached correct loan approval. Please clear the condition | xxx-Document received; exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has xxx years xxx months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx. |
| 10750 | 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 | Terms/Guidelines | Active B | CRDTER127 | Payment shock does not meet guidelines | No | Payment shock of xxx% is greater than xxx% allowed per guidelines. NOTE: file contains credit exception for payment shock approved by management with compensating factors of DTI xxx%, LTV xxx%, FICO score of xxx and xxx years at present address and good income. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has xxx years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $xxx. Required reserves xxx months x PITI $xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx |
| 10751 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Property Valuations | FEMA | Satisfied B A | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | No subsequent inspection since FEMA disaster declared xxx for Hurricane xxx | Appraisal in file is dated xxx and shows no damage | exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $xxx exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score xxx exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence xxx years xxx months |
| 10752 | XXXXXX | NC | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Active B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Does not meet minimum equity requirement of $xxx; borrower equity is $xxx. | (No Data) | xxx: xxx Underwriter has reviewed the Credit Exception Request approved by upper management allowing loan approval to borrower with less than $xxx minimum equity into the property, borrower has $xxx equity. The exception will remain, however, due to this not being a fatal issue, it will be deemed as non-material. The compensating factors are DSCR above xxx at xxx%, no mortgage late pays, and xxx years in the industry and xxx years at current address. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for xxx years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is xxx and minimum required is xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxx; required reserves $xxx = $xxx |
| 10753 | 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 xxx years in same line of work.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports xxx |
| 10754 | XXXXXX | OK | (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 | HUD1 is not signed or certified as final. | xxx-Clients response: xxx, xxx pm Please see the attached Final HUD 1. Please clear the condition | xxx-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is xxx% and maximum allowed is xxx%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxx; no required reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is xxx and minimum required is xxx |
| 10755 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C B | A | A C 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 primary housing history for most recent xxx months. Lender provided application indicating borrower did not rent or own current residence and approval notes that xxx to approve no housing history. Provide satisfactory evidence of approved exception for lack of primary housing history. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of xxx exceeds minimum required xxx.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of xxx% is below the maximum allowable of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $xxx. Required reserves xxx months based on LTV. Excess reserves $xxx. |
| 10755 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Property Valuations | FEMA | Satisfied C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | FEMA disaster Hurricane xxx Declaration #xxx with xxx declaration date, xxx effective date. Appraisal dated after declaration with no damage noted. | Appraisal in file is dated after FEMA disaster and shows no damage to subject | exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of xxx exceeds minimum required xxx.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of xxx% is below the maximum allowable of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $xxx. Required reserves xxx months based on LTV. Excess reserves $xxx. |
| 10756 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for xxx years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxx; required reserves $xxx = $xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is xxx and minimum required is xxx |
| 10757 | XXXXXX | CA | (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 | Credit Supplement/VOM for Current Residence @ xxx. with xxx through xxx payment. Also, provide proof of ownership in property for last xxx (xxx) months as appears borrower just refinanced this property which was xxx prior. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers credit is score xxx.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has xxx in reserves. |
| 10758 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxx mid-score per CBR<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: xxx years residing at primary residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: xxx months of xxx consumer history. |
| 10759 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Property Valuations | FEMA | Satisfied C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | Post disaster inspection; Declaration date xxx; Effective date xxx; Hurricane xxx; Declaration #xxx. Appraisal dated xxx, appraiser does not reflect damage to subject property. | appraisal in file dated after FEMA disaster shows no damage to subject | exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score xxx is greater than guideline xxx for DSCR less than xxx<br>CFCFS2860: Good credit history<br> - Clayton Comments: xxx past xxx months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $xxx or xxx months PITI |
| 10760 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxx mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: xxx months of xxx consumer credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: xxx months of reserves in file. |
| 10778 | XXXXXX | NV | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing tax and hazard expense for xxx. Final xxx does not reflects the tax/insurance expense and no documentation was located in file to verify expenses. | xxx-Clients response: xxx, xxx am Please see attached xxx Response. Please clear this condition. xxx-Clients response: xxx, xxx pm See attached xxx Response. Please clear this condition | xxx The monthly mortgage payments must be satisfactorily documented on all rental properties owned by the borrower, if not reported on the credit report. Property Taxes, Insurance, HOA Fees for Rental Properties Owned by the Borrower The monthly payments for taxes, insurance and Homeowners Association (HOA) fees (if applicable) will be taken from the Schedule of Real Estate. If the Schedule of Real Estate is incomplete or blank, the borrower must provide satisfactory documentation verifying the amount of the monthly payments. Exception remains. xxx-Taxes received for both properties, exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $xxx. Required reserves 6 months PITI $xxx = $xxx. |
| 10761 | XXXXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxx mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: xxx years living at primary residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: xxx months of xxx consumer history per CBR. |
| 10762 | 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 been at current residence for over xxx years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over xxx years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of xxx exceeds guideline requirement of xxx for this program. |
| 10763 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $xxx exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score xxx exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence xxx years |
| 10764 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Insurance | Satisfied D A | CRDINSR848 | Missing Hazard Insurance | No | Insurance Declarations Page not in file. | xxx Client responded - Please see the attached Hazard Ins. Please clear the condition | xxx Client sent the Hazard Declaration. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of xxx% is below guideline requirement of xxx% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current. |
| 10765 | XXXXXX | LA | 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 xxx years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $xxx. Required reserves xxx months x PITI $xxx = $xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score xxx above program requirement xxx. |
| 10766 | XXXXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxx no required reserves.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for xxx years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been in current job for xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is xxx% and maximum allowed is xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is xxx and minimum is xxx |
| 10767 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Missing final HUD1 with signatures | xxx-Clients response: xxx, xxx am Please see attached Final Settlement Statement. Please clear condition | xxx-Document received; exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for xxx years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxx, no required reserves |
| 10767 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing copy of operating agreement | xxx-Clients response: xxx, xxx pm See attached Operating Agreement. Please clear condition | xxx-Operating Agreement received; exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for xxx years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $xxx, no required reserves |
| 10768 | XXXXXX | MD | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR848 | Missing Hazard Insurance | No | Missing evidence of hazard insurance for subject property in force at time of close, xxx, reflecting Lender loss payee clause. No evidence of hazard insurance was located in file. | xxx-Clients response: xxx pm Please see the attached evidence of hazard insurance for subject property. Please clear the condition | xxx-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has low use of consumer credit. Credit line usage xxx%. |

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| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **HOMES 2023-NQM1** |
| **Start - End Dates:** | **4/26/2022 - 11/9/2022** |
| **Deal Loan Count:** | **455** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *455* |
| ***Loans with Conditions:*** | *223* |

---

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 10204 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10205 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 10348 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 10420 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10206 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10349 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 10207 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 10350 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 10351 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 10352 | Yes | XXXXXX | XXXXXX D B A | C | B D A | C | B | Not Applicable |
| 10208 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | Not Applicable |
| 10209 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10210 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10211 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 10212 | Yes | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | No |
| 10213 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 10214 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10421 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 10215 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 10216 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 10217 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 10218 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10219 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 10353 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10220 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10221 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 10222 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | No |
| 10223 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10224 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10225 | Yes | XXXXXX | XXXXXX D A C | A | A D C | A | A | No |
| 10354 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10226 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10355 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 10356 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 10052 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 10227 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10228 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10229 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10230 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10357 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 10231 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10232 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10358 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 10233 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10053 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10234 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10235 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10236 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 10237 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 10238 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10239 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 10240 | Yes | XXXXXX | XXXXXX D B A C | D | B D A C | D | B | No |
| 10241 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10422 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10242 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10243 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 10244 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10786 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10245 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10246 | Yes | XXXXXX | XXXXXX D B A | D | A D B | D | A | No |
| 10247 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10248 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | No |
| 10249 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10038 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10250 | Yes | XXXXXX | XXXXXX B A | B | A B | B | A | Not Applicable |
| 10251 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10252 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10253 | Yes | XXXXXX | XXXXXX C A | A | A C B | A | A | Not Applicable |
| 10254 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 10255 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10256 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10257 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 10258 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10259 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10359 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10260 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 10261 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 10262 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 10263 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10423 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | No |
| 10264 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 10265 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | Not Applicable |
| 10424 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10266 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10360 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10267 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10268 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10269 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10425 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10270 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10119 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | No |
| 10271 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10272 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10273 | Yes | XXXXXX | XXXXXX D A | B | A D | B | A | Not Applicable |
| 10274 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10275 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 10426 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10276 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10277 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10361 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10278 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10362 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10279 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10280 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10281 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 10282 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 10283 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 10054 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10284 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10285 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 10286 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10363 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10364 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10287 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10288 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10289 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 10290 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10291 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 10292 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10427 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 10293 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10294 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10295 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 10296 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10365 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10366 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10297 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | Not Applicable |
| 10298 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10299 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 10367 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 10368 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10300 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 10428 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10429 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10301 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 10055 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10302 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10430 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10303 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10304 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 10305 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10056 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 10120 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10306 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 10307 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10308 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 10431 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 10309 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 10369 | Yes | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | Not Applicable |
| 10370 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 10005 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 10310 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10371 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 10311 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10432 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10372 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | No |
| 10373 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | No |
| 10433 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10374 | Yes | XXXXXX | XXXXXX C B A | A | A C B | A | A | No |
| 10434 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 10375 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10312 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10313 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10314 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10315 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10057 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10376 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10316 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10377 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 10139 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 10435 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10378 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10058 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 10317 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10318 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 10379 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 10319 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 10320 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10059 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | Not Applicable |
| 10380 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10060 | Yes | XXXXXX | XXXXXX C B A | C | B C A | C | B | No |
| 10714 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10061 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 10381 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10382 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10062 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 10436 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 10063 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 10121 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10383 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 10384 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 10385 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10437 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10039 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 10386 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 10387 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10064 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10065 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10438 | Yes | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | No |
| 10388 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10389 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 10390 | Yes | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 10391 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 10439 | Yes | XXXXXX | XXXXXX D A | C | A D | C | A | Not Applicable |
| 10440 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10392 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10441 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 10066 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10140 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 10393 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | No |
| 10040 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 10067 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10068 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 10141 | Yes | XXXXXX | XXXXXX C B A | A | A C B | A | A | Not Applicable |
| 10069 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 10070 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 10006 | Yes | XXXXXX | XXXXXX C B A | A | A C B | A | A | No |
| 10394 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 10395 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 10396 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 10041 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 10397 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 10071 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10398 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10399 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 10442 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10007 | Yes | XXXXXX | XXXXXX C B A | C | A C B | C | A | Not Applicable |
| 10072 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10073 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 10400 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 10401 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10074 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10402 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 10075 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 10403 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Yes |
| 10404 | Yes | XXXXXX | XXXXXX C B A | C | A C B | C | A | Not Applicable |
| 10405 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10142 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10042 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10008 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 10076 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 10443 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10406 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10407 | Yes | XXXXXX | XXXXXX C B A | A | A C B | A | A | Not Applicable |
| 10408 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 10113 | Yes | XXXXXX | XXXXXX C B A | C | B C A | C | B | No |
| 10444 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10445 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10114 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 10077 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 10446 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10447 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 10448 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10043 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 10409 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | Not Applicable |
| 10078 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10079 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10080 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | Not Applicable |
| 10081 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 10410 | Yes | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | No |
| 10411 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10412 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10009 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10082 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 10413 | Yes | XXXXXX | XXXXXX D A | C | A D | C | A | Not Applicable |
| 10414 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10415 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10083 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 10084 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10044 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10045 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10416 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | No |
| 10085 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10122 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 10417 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10086 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 10087 | Yes | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 10088 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 10089 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 10003 | Yes | XXXXXX | XXXXXX D A C | D | A D C | D | A | Not Applicable |
| 10090 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10143 | Yes | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | Not Applicable |
| 10091 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10092 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 10010 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10093 | Yes | XXXXXX | XXXXXX B A | B | B A | B | B | Not Applicable |
| 10094 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 10001 | Yes | XXXXXX | XXXXXX C B A | A | A C B | A | A | No |
| 10095 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 10418 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 10116 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10123 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 10011 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10144 | Yes | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | Yes |
| 10117 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 10419 | Yes | XXXXXX | XXXXXX D A | C | A D | C | A | Not Applicable |
| 10012 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10046 | Yes | XXXXXX | XXXXXX C B A | C | A C B | C | A | Not Applicable |
| 10013 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | Not Applicable |
| 10096 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10097 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 10124 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 10098 | Yes | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 10099 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 10100 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 10014 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10787 | Yes | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | Not Applicable |
| 10047 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 10048 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10101 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 10145 | Yes | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 10102 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 10146 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 10103 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | No |
| 10147 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10148 | Yes | XXXXXX | XXXXXX C B A | C | B C A | C | B | No |
| 10104 | Yes | XXXXXX | XXXXXX C B A | A | A C B | A | A | Not Applicable |
| 10149 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10769 | Yes | XXXXXX | XXXXXX D A C | N/A | N/A D C | N/A | N/A | Not Applicable |
| 10105 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 10049 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 10106 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 10015 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10107 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 10125 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 10150 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10004 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10118 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 10016 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 10050 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10151 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 10108 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10109 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10051 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | Not Applicable |
| 10152 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| 10110 | Yes | XXXXXX | XXXXXX C B A | A | A C B | A | A | Not Applicable |
| 10715 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 10153 | Yes | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | Not Applicable |
| 10154 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 10155 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10156 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 10157 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 10158 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 10159 | Yes | XXXXXX | XXXXXX C B A | A | A C B | A | A | Not Applicable |
| 10160 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | No |
| 10111 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10161 | Yes | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | Not Applicable |
| 10788 | Yes | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 10162 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10163 | Yes | XXXXXX | XXXXXX C B A | C | A C B | C | A | Not Applicable |
| 10164 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10165 | Yes | XXXXXX | XXXXXX B A | B | B A | B | B | Not Applicable |
| 10166 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10112 | Yes | XXXXXX | XXXXXX C B A | C | B C A | C | B | No |
| 10716 | Yes | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 10167 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 10168 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 10690 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| 10169 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10170 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 10171 | Yes | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 10172 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10017 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10173 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 10174 | Yes | XXXXXX | XXXXXX B A | B | B A | B | B | Not Applicable |
| 10717 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 10718 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| 10175 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 10176 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10177 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 10719 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 10178 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10179 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 10180 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10181 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10182 | Yes | XXXXXX | XXXXXX C B A | A | A C B | A | A | Not Applicable |
| 10183 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10184 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 10185 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10186 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10720 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10187 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 10721 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10770 | Yes | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | No |
| 10188 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10189 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 10190 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10191 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10192 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10722 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 10723 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10724 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 10193 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10194 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 10195 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10725 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 10196 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 10771 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 10772 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 10773 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 10197 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 10726 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 10727 | Yes | XXXXXX | XXXXXX D B A C | N/A | N/A D B C | N/A | N/A | Not Applicable |
| 10728 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10198 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10774 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | Not Applicable |
| 10199 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10200 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 10775 | Yes | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | Not Applicable |
| 10729 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 10201 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 10730 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 10776 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 10731 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10732 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 10733 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10734 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10735 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10202 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 10736 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 10737 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10738 | Yes | XXXXXX | XXXXXX D B | D | A D B | D | A | Not Applicable |
| 10739 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | No |
| 10740 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10741 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10203 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 10742 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 10743 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10744 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10777 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 10745 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10746 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 10747 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 10748 | Yes | XXXXXX | XXXXXX D B A | D | B D A | D | B | Not Applicable |
| 10749 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 10750 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 10751 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 10752 | Yes | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Yes |
| 10753 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10754 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 10755 | Yes | XXXXXX | XXXXXX C B A | A | A C B | A | A | No |
| 10756 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10757 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 10758 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10759 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 10760 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10778 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 10761 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10762 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10763 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10764 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| 10765 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10766 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10767 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 10768 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |

---

## Exhibit 99.6

[HOMES 2023-NQM1 ABS-15G](homes-abs15g_020223.htm)

**EXHIBIT 99.6**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | HOMES 2023-NQM1 |
| **Start - End Dates:** | 4/26/2022 - 11/9/2022 |
| **Deal Loan Count:** | 455 |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *455* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 10205 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10206 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10206 | XXXXXX | Representative Credit Score for Grading | 690 | 803 |
| 10349 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10350 | XXXXXX | Debt to Income Ratio (Back) | 17.7200 | 32.2223 |
| 10351 | XXXXXX | Debt to Income Ratio (Back) | 24.1200 | 36.4511 |
| 10352 | XXXXXX | Property Type | SFR | Detached PUD |
| 10208 | XXXXXX | Debt to Income Ratio (Back) | 16.9200 | 44.5333 |
| 10210 | XXXXXX | Representative Credit Score for Grading | 697 | 684 |
| 10211 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10214 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10215 | XXXXXX | Debt to Income Ratio (Back) | 5.5700 | 10.6385 |
| 10215 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10216 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10217 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10218 | XXXXXX | Representative Credit Score for Grading | 766 | 779 |
| 10218 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10219 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10353 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10220 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10221 | XXXXXX | Debt to Income Ratio (Back) | 8.1500 | 24.9547 |
| 10221 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10222 | XXXXXX | Debt to Income Ratio (Back) | 25.3900 | 31.3228 |
| 10222 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10223 | XXXXXX | Debt to Income Ratio (Back) | 41.6500 | 49.2404 |
| 10224 | XXXXXX | Debt to Income Ratio (Back) | 15.8200 | 18.7408 |
| 10225 | XXXXXX | Debt to Income Ratio (Back) | 8.7000 | 31.7304 |
| 10225 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10354 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10226 | XXXXXX | Debt to Income Ratio (Back) | 29.5600 | 38.9990 |
| 10052 | XXXXXX | Debt to Income Ratio (Back) | 37.4200 | 47.0395 |
| 10227 | XXXXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| 10228 | XXXXXX | Debt to Income Ratio (Back) | 6.9300 | 47.6578 |
| 10229 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10229 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10357 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10232 | XXXXXX | Debt to Income Ratio (Back) | 20.0900 | 28.7122 |
| 10232 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10232 | XXXXXX | Representative Credit Score for Grading | 780 | 749 |
| 10358 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10233 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10053 | XXXXXX | Cash Reserves | 71463.26 | 75145.57 |
| 10053 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10053 | XXXXXX | Months Reserves | 13.00 | 14.59 |
| 10234 | XXXXXX | Debt to Income Ratio (Back) | 21.0700 | 30.8246 |
| 10234 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10236 | XXXXXX | Debt to Income Ratio (Back) | 42.8900 | 46.1265 |
| 10237 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10237 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10238 | XXXXXX | Debt to Income Ratio (Back) | 36.4700 | 49.9541 |
| 10238 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10239 | XXXXXX | Debt to Income Ratio (Back) | 25.7400 | 35.3492 |
| 10239 | XXXXXX | Representative Credit Score for Grading | 722 | 710 |
| 10239 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10240 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10422 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10242 | XXXXXX | Borrower 1 SSN | XXXXXX | XXXXXX |
| 10242 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10243 | XXXXXX | Borrower 1 SSN | XXXXXX | XXXXXX |
| 10243 | XXXXXX | Representative Credit Score for Grading | 744 | 731 |
| 10243 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10244 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10245 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10246 | XXXXXX | Debt to Income Ratio (Back) | 13.1500 | 30.1413 |
| 10247 | XXXXXX | Debt to Income Ratio (Back) | 24.7300 | 35.9092 |
| 10247 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10248 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10249 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10038 | XXXXXX | Representative Credit Score for Grading | 695 | 729 |
| 10251 | XXXXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| 10253 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10254 | XXXXXX | Combined LTV | 23.26 | 39.53 |
| 10254 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10255 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10255 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10256 | XXXXXX | Borrower 1 SSN | XXXXXX | XXXXXX |
| 10256 | XXXXXX | Debt to Income Ratio (Back) | 9.3100 | 14.4734 |
| 10257 | XXXXXX | Debt to Income Ratio (Back) | 32.7500 | 37.8892 |
| 10257 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10257 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 10258 | XXXXXX | Debt to Income Ratio (Back) | 31.2800 | 39.9670 |
| 10259 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10260 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10261 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10261 | XXXXXX | Representative Credit Score for Grading | 710 | 701 |
| 10262 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10262 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10423 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 10264 | XXXXXX | Debt to Income Ratio (Back) | 40.0900 | 54.0691 |
| 10265 | XXXXXX | Debt to Income Ratio (Back) | 26.8600 | 49.8496 |
| 10424 | XXXXXX | Borrower 1 SSN | XXXXXX | XXXXXX |
| 10424 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10266 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10360 | XXXXXX | Debt to Income Ratio (Back) | 26.0200 | 40.2631 |
| 10267 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10268 | XXXXXX | Debt to Income Ratio (Back) | 38.5900 | 44.3608 |
| 10268 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10268 | XXXXXX | Representative Credit Score for Grading | 720 | 712 |
| 10269 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10269 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10425 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10270 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10119 | XXXXXX | Debt to Income Ratio (Back) | 2.3100 | 4.4131 |
| 10119 | XXXXXX | Months Reserves | 52.00 | 51.85 |
| 10271 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10272 | XXXXXX | Debt to Income Ratio (Back) | 2.9500 | 6.5074 |
| 10272 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10273 | XXXXXX | Debt to Income Ratio (Back) | 11.6600 | 19.0037 |
| 10275 | XXXXXX | Borrower 1 SSN | XXXXXX | XXXXXX |
| 10275 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10275 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10426 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10426 | XXXXXX | Representative Credit Score for Grading | 811 | 802 |
| 10276 | XXXXXX | Debt to Income Ratio (Back) | 34.1000 | 42.3068 |
| 10276 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10277 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10277 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10361 | XXXXXX | Debt to Income Ratio (Back) | 15.8100 | 28.2144 |
| 10361 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10362 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10281 | XXXXXX | Debt to Income Ratio (Back) | 6.4800 | 27.7167 |
| 10281 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10282 | XXXXXX | Debt to Income Ratio (Back) | 23.0100 | 47.8490 |
| 10283 | XXXXXX | Debt to Income Ratio (Back) | 15.1800 | 37.2730 |
| 10283 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10054 | XXXXXX | Debt to Income Ratio (Back) | 13.4400 | 17.5023 |
| 10054 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 10054 | XXXXXX | Months Reserves | 20.00 | 20.48 |
| 10054 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10285 | XXXXXX | Borrower 1 SSN | XXXXXX | XXXXXX |
| 10286 | XXXXXX | Debt to Income Ratio (Back) | 27.8600 | 49.8758 |
| 10286 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10363 | XXXXXX | Representative Credit Score for Grading | 679 | 643 |
| 10363 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10288 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10289 | XXXXXX | Debt to Income Ratio (Back) | 30.7000 | 46.4587 |
| 10289 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10291 | XXXXXX | Debt to Income Ratio (Back) | 37.2100 | 49.1617 |
| 10291 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10292 | XXXXXX | Debt to Income Ratio (Back) | 24.2100 | 28.3138 |
| 10292 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10427 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10427 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10293 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10294 | XXXXXX | Debt to Income Ratio (Back) | 23.4600 | 48.9650 |
| 10294 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10295 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10296 | XXXXXX | Debt to Income Ratio (Back) | 33.2500 | 38.8666 |
| 10366 | XXXXXX | Debt to Income Ratio (Back) | 28.9300 | 46.9204 |
| 10366 | XXXXXX | Number of Units | 1 | 2 |
| 10366 | XXXXXX | Property Type | SFR | 2 Family |
| 10299 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10367 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10300 | XXXXXX | Debt to Income Ratio (Back) | 10.2700 | 24.8815 |
| 10428 | XXXXXX | Debt to Income Ratio (Back) | 26.6600 | 0.0000 |
| 10428 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10429 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10301 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10430 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 10304 | XXXXXX | Debt to Income Ratio (Back) | 40.3200 | 49.0631 |
| 10305 | XXXXXX | Borrower 1 SSN | XXXXXX | XXXXXX |
| 10056 | XXXXXX | Debt to Income Ratio (Back) | 24.1500 | 29.8379 |
| 10120 | XXXXXX | Borrower DSCR Percent | 1 | 1.0055 |
| 10120 | XXXXXX | Cash Reserves | 17232.54 | 28953.60 |
| 10120 | XXXXXX | Months Reserves | 14.00 | 24.26 |
| 10306 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10308 | XXXXXX | Debt to Income Ratio (Back) | 16.4200 | 23.1297 |
| 10308 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10431 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10309 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10369 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10370 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10005 | XXXXXX | Debt to Income Ratio (Back) | 20.5900 | 28.9411 |
| 10310 | XXXXXX | Number of Units | 2 | 4 |
| 10310 | XXXXXX | Property Type | 2 Family | 4 Family |
| 10310 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10371 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10432 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10432 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10372 | XXXXXX | Debt to Income Ratio (Back) | 42.8000 | 47.8001 |
| 10372 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10373 | XXXXXX | Debt to Income Ratio (Back) | 22.0900 | 28.6838 |
| 10373 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10373 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10374 | XXXXXX | Debt to Income Ratio (Back) | 23.8400 | 31.4584 |
| 10374 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10434 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 10375 | XXXXXX | Debt to Income Ratio (Back) | 15.9400 | 23.7381 |
| 10313 | XXXXXX | Debt to Income Ratio (Back) | 20.1800 | 34.6826 |
| 10313 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10314 | XXXXXX | Debt to Income Ratio (Back) | 9.3200 | 36.6987 |
| 10314 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10315 | XXXXXX | Debt to Income Ratio (Back) | 6.5300 | 10.4974 |
| 10057 | XXXXXX | Cash Reserves | 93856.50 | 93856.39 |
| 10057 | XXXXXX | Debt to Income Ratio (Back) | 29.1100 | 46.6784 |
| 10057 | XXXXXX | Months Reserves | 30.00 | 30.29 |
| 10057 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10376 | XXXXXX | Debt to Income Ratio (Back) | 21.4500 | 39.2854 |
| 10376 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10316 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10377 | XXXXXX | Debt to Income Ratio (Back) | 17.0600 | 19.4230 |
| 10139 | XXXXXX | Borrower DSCR Percent | 1.09 | 1.0984 |
| 10139 | XXXXXX | Months Reserves | 103.00 | 103.74 |
| 10139 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10378 | XXXXXX | Representative Credit Score for Grading | 660 | 658 |
| 10378 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10058 | XXXXXX | Borrower DSCR Percent | 1.17 | 1.1762 |
| 10058 | XXXXXX | Months Reserves | 35.00 | 35.65 |
| 10058 | XXXXXX | Number of Units | 1 | 2 |
| 10058 | XXXXXX | Property Type | SFR | 2 Family |
| 10317 | XXXXXX | Borrower 1 SSN | XXXXXX | XXXXXX |
| 10317 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10317 | XXXXXX | Representative Credit Score for Grading | 772 | 795 |
| 10379 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10059 | XXXXXX | Cash Reserves | 130371.51 | 135182.68 |
| 10059 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10059 | XXXXXX | Months Reserves | 24.00 | 25.70 |
| 10059 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10060 | XXXXXX | Debt to Income Ratio (Back) | 1.2200 | 23.5290 |
| 10714 | XXXXXX | Borrower DSCR Percent | 1.46 | 1.4676 |
| 10714 | XXXXXX | Cash Reserves | 171016.18 | 170890.92 |
| 10714 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10714 | XXXXXX | Months Reserves | 73.00 | 73.77 |
| 10714 | XXXXXX | Representative Credit Score for Grading | 706 | 698 |
| 10714 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10061 | XXXXXX | Debt to Income Ratio (Back) | 5.8000 | 12.3012 |
| 10382 | XXXXXX | Debt to Income Ratio (Back) | 42.8900 | 47.1212 |
| 10382 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10062 | XXXXXX | Debt to Income Ratio (Back) | 5.8000 | 11.8450 |
| 10063 | XXXXXX | Borrower DSCR Percent | 0.75 | 0.7558 |
| 10063 | XXXXXX | Cash Reserves | 325640.29 | 152000.93 |
| 10063 | XXXXXX | Months Reserves | 71.00 | 33.30 |
| 10121 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10383 | XXXXXX | Borrower DSCR Percent | 1.02 | 1.027 |
| 10383 | XXXXXX | Cash Reserves | 51982.88 | 50946.79 |
| 10383 | XXXXXX | Months Reserves | 13.00 | 13.42 |
| 10383 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10385 | XXXXXX | Debt to Income Ratio (Back) | 17.6200 | 28.1801 |
| 10437 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 10039 | XXXXXX | Borrower DSCR Percent | 1 |  |
| 10039 | XXXXXX | Cash Reserves | 260095.04 | 91933.35 |
| 10039 | XXXXXX | Debt to Income Ratio (Back) | 8.4500 | 41.5080 |
| 10039 | XXXXXX | Months Reserves | 27.00 | 9.89 |
| 10386 | XXXXXX | Debt to Income Ratio (Back) | 27.5200 | 34.9033 |
| 10387 | XXXXXX | Debt to Income Ratio (Back) | 28.3400 | 33.5542 |
| 10387 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10387 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10065 | XXXXXX | Debt to Income Ratio (Back) | 27.0100 | 41.0769 |
| 10438 | XXXXXX | Debt to Income Ratio (Back) | 17.2100 | 37.5185 |
| 10388 | XXXXXX | Debt to Income Ratio (Back) | 19.8300 | 36.7599 |
| 10388 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10389 | XXXXXX | Debt to Income Ratio (Back) | 19.4100 | 24.5661 |
| 10390 | XXXXXX | Debt to Income Ratio (Back) | 26.8500 | 42.6245 |
| 10390 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10390 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10391 | XXXXXX | Debt to Income Ratio (Back) | 28.1200 | 30.7784 |
| 10391 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 10439 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10392 | XXXXXX | Debt to Income Ratio (Back) | 40.9400 | 48.8311 |
| 10392 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10441 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10140 | XXXXXX | Borrower DSCR Percent | 1.08 | 1.0851 |
| 10140 | XXXXXX | Months Reserves | 13.00 | 13.80 |
| 10393 | XXXXXX | Debt to Income Ratio (Back) | 17.3300 | 21.7078 |
| 10067 | XXXXXX | Debt to Income Ratio (Back) | 35.1300 | 41.2896 |
| 10068 | XXXXXX | Debt to Income Ratio (Back) | 10.5400 | 19.2967 |
| 10068 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10141 | XXXXXX | Borrower DSCR Percent | 2.87 | 2.8373 |
| 10141 | XXXXXX | Cash Reserves | 128251.86 | 126131.22 |
| 10141 | XXXXXX | Months Reserves | 131.00 | 127.81 |
| 10141 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10141 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10069 | XXXXXX | Borrower DSCR Percent | 1.06 | 1.0616 |
| 10069 | XXXXXX | Cash Reserves | 533778.57 | 533318.11 |
| 10069 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10069 | XXXXXX | Months Reserves | 148.00 | 133.53 |
| 10069 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10069 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10070 | XXXXXX | Cash Reserves | 286784.13 | 342299.68 |
| 10070 | XXXXXX | Debt to Income Ratio (Back) | 23.3500 | 53.0571 |
| 10070 | XXXXXX | Documentation Type | Alt Doc/Bank Statements | Full Doc |
| 10070 | XXXXXX | Months Reserves | 69.00 | 74.53 |
| 10070 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10006 | XXXXXX | Debt to Income Ratio (Back) | 23.8600 | 39.9201 |
| 10394 | XXXXXX | Borrower DSCR Percent | 1.25 | 1.2564 |
| 10394 | XXXXXX | Cash Reserves | 174789.39 | 95089.41 |
| 10394 | XXXXXX | Months Reserves | 56.00 | 30.64 |
| 10395 | XXXXXX | Debt to Income Ratio (Back) | 31.1900 | 35.2725 |
| 10396 | XXXXXX | Debt to Income Ratio (Back) | 40.7600 | 46.9210 |
| 10396 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10041 | XXXXXX | Cash Reserves | 453191.03 | 495236.20 |
| 10041 | XXXXXX | Debt to Income Ratio (Back) | 22.7600 | 30.7635 |
| 10041 | XXXXXX | Months Reserves | 35.00 | 38.60 |
| 10397 | XXXXXX | Debt to Income Ratio (Back) | 8.7400 | 12.7803 |
| 10397 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10397 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10071 | XXXXXX | Debt to Income Ratio (Back) | 28.8500 | 47.4241 |
| 10398 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10399 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10007 | XXXXXX | Debt to Income Ratio (Back) | 11.0100 | 14.2971 |
| 10007 | XXXXXX | Months Reserves | 15.00 | 15.16 |
| 10073 | XXXXXX | Borrower DSCR Percent | 1.01 | 1.016 |
| 10073 | XXXXXX | Months Reserves | 60.00 | 60.03 |
| 10073 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10400 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10401 | XXXXXX | Debt to Income Ratio (Back) | 25.1100 | 46.9539 |
| 10401 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10074 | XXXXXX | Borrower DSCR Percent | 1.38 | 1.3825 |
| 10074 | XXXXXX | Cash Reserves | 860120.40 | 454565.37 |
| 10074 | XXXXXX | Months Reserves | 279.00 | 147.52 |
| 10402 | XXXXXX | Debt to Income Ratio (Back) | 20.9100 | 38.2113 |
| 10402 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10075 | XXXXXX | Borrower DSCR Percent | 1.06 | 1.0605 |
| 10075 | XXXXXX | Cash Reserves | 38324.61 | 51843.27 |
| 10075 | XXXXXX | Months Reserves | 21.00 | 25.57 |
| 10075 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10404 | XXXXXX | Debt to Income Ratio (Back) | 38.7200 | 48.8829 |
| 10405 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10405 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10142 | XXXXXX | Borrower DSCR Percent | 1.84 | 1.8483 |
| 10142 | XXXXXX | Months Reserves | 81.00 | 78.11 |
| 10142 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10042 | XXXXXX | Cash Reserves | 866056.83 | 862265.52 |
| 10042 | XXXXXX | Debt to Income Ratio (Back) | 31.4500 | 49.7048 |
| 10042 | XXXXXX | Months Reserves | 67.00 | 66.47 |
| 10042 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10042 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10008 | XXXXXX | Debt to Income Ratio (Back) | 20.2900 | 30.3692 |
| 10008 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10076 | XXXXXX | Debt to Income Ratio (Back) | 10.0800 | 22.5729 |
| 10076 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10076 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10406 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10407 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10113 | XXXXXX | Debt to Income Ratio (Back) | 14.8400 | 24.0971 |
| 10113 | XXXXXX | Months Reserves | 31.00 | 31.40 |
| 10113 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10445 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10114 | XXXXXX | Cash Reserves | 36013.15 | 46990.51 |
| 10114 | XXXXXX | Debt to Income Ratio (Back) | 26.5500 | 34.2053 |
| 10114 | XXXXXX | Months Reserves | 9.00 | 12.61 |
| 10077 | XXXXXX | Debt to Income Ratio (Back) | 13.6100 | 21.2142 |
| 10077 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10446 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10448 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10043 | XXXXXX | Borrower DSCR Percent | 0.98 | 0.9899 |
| 10043 | XXXXXX | Cash Reserves | 45144.52 | 45060.32 |
| 10043 | XXXXXX | Months Reserves | 27.00 | 27.20 |
| 10043 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10409 | XXXXXX | Debt to Income Ratio (Back) | 12.6200 | 16.9253 |
| 10078 | XXXXXX | Debt to Income Ratio (Back) | 23.2700 | 39.4844 |
| 10078 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10079 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10080 | XXXXXX | Cash Reserves | 285257.62 | 225878.30 |
| 10080 | XXXXXX | Debt to Income Ratio (Back) | 15.1200 | 27.2679 |
| 10080 | XXXXXX | Months Reserves | 137.00 | 108.89 |
| 10081 | XXXXXX | Borrower DSCR Percent | 1.09 | 1.0993 |
| 10410 | XXXXXX | Representative Credit Score for Grading | 660 | 721 |
| 10009 | XXXXXX | Debt to Income Ratio (Back) | 25.4100 | 32.8263 |
| 10082 | XXXXXX | Cash Reserves | 376578.95 | 165438.96 |
| 10082 | XXXXXX | Debt to Income Ratio (Back) | 17.5600 | 37.3507 |
| 10082 | XXXXXX | Months Reserves | 61.00 | 26.51 |
| 10413 | XXXXXX | Debt to Income Ratio (Back) | 33.4900 | 37.8435 |
| 10413 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10414 | XXXXXX | Debt to Income Ratio (Back) | 18.7000 | 45.7667 |
| 10415 | XXXXXX | Debt to Income Ratio (Back) | 29.4300 | 41.8435 |
| 10415 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10083 | XXXXXX | Cash Reserves | 301042.32 | 91910.74 |
| 10083 | XXXXXX | Debt to Income Ratio (Back) | 15.4600 | 21.6688 |
| 10083 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10083 | XXXXXX | Months Reserves | 51.00 | 15.90 |
| 10084 | XXXXXX | Borrower DSCR Percent | 1 | 1.0071 |
| 10084 | XXXXXX | Cash Reserves | 168674.08 | 168584.19 |
| 10084 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10084 | XXXXXX | Months Reserves | 52.00 | 52.24 |
| 10084 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10044 | XXXXXX | Borrower DSCR Percent | 1 | 0.995 |
| 10044 | XXXXXX | Cash Reserves | 169646.53 | 89544.21 |
| 10044 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10044 | XXXXXX | Months Reserves | 44.00 | 22.56 |
| 10044 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10045 | XXXXXX | Borrower DSCR Percent | 1 | 0.9953 |
| 10045 | XXXXXX | Cash Reserves | 201584.53 | 127879.13 |
| 10045 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10045 | XXXXXX | Months Reserves | 51.00 | 31.82 |
| 10045 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10416 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10085 | XXXXXX | Borrower DSCR Percent | 1.03 | 1.0395 |
| 10085 | XXXXXX | Cash Reserves | 465860.02 | 228825.83 |
| 10085 | XXXXXX | Months Reserves | 172.00 | 84.96 |
| 10122 | XXXXXX | Borrower DSCR Percent | 1.12 | 1.1258 |
| 10122 | XXXXXX | Cash Reserves | 1160041.95 | 1162821.64 |
| 10122 | XXXXXX | Months Reserves | 466.00 | 467.56 |
| 10417 | XXXXXX | Debt to Income Ratio (Back) | 29.6100 | 46.5499 |
| 10417 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10086 | XXXXXX | Borrower DSCR Percent | 1.19 | 1.1919 |
| 10086 | XXXXXX | Cash Reserves | 194450.00 | 96652.08 |
| 10086 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10086 | XXXXXX | Months Reserves | 48.00 | 19.20 |
| 10086 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10087 | XXXXXX | Debt to Income Ratio (Back) | 25.0600 | 30.5464 |
| 10088 | XXXXXX | Cash Reserves | 53014.78 | 57155.93 |
| 10088 | XXXXXX | Debt to Income Ratio (Back) | 27.1000 | 33.0007 |
| 10088 | XXXXXX | Months Reserves | 10.00 | 11.23 |
| 10089 | XXXXXX | Borrower DSCR Percent | 0.95 | 0.9527 |
| 10089 | XXXXXX | Cash Reserves | 184126.61 | 116968.54 |
| 10089 | XXXXXX | Months Reserves | 50.00 | 31.39 |
| 10003 | XXXXXX | Cash Reserves | 31868.67 | 79939.46 |
| 10003 | XXXXXX | Debt to Income Ratio (Back) | 9.6000 | 30.8628 |
| 10003 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10003 | XXXXXX | Months Reserves | 8.00 | 20.67 |
| 10090 | XXXXXX | Borrower DSCR Percent | 1.01 | 1.0154 |
| 10090 | XXXXXX | Months Reserves | 48.00 | 48.04 |
| 10090 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 10090 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10143 | XXXXXX | Borrower DSCR Percent | 1.45 | 1.4543 |
| 10143 | XXXXXX | Cash Reserves | 47063.71 | 29133.50 |
| 10143 | XXXXXX | Months Reserves | 34.00 | 21.18 |
| 10143 | XXXXXX | Property Type | SFR | SFR-Attached |
| 10091 | XXXXXX | Borrower DSCR Percent | 1 | 1.0031 |
| 10091 | XXXXXX | Months Reserves | 70.00 | 69.49 |
| 10091 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10092 | XXXXXX | Borrower DSCR Percent | 1.08 | 1.0826 |
| 10092 | XXXXXX | Cash Reserves | 39569.22 | 39141.62 |
| 10092 | XXXXXX | Months Reserves | 18.00 | 17.66 |
| 10010 | XXXXXX | Borrower DSCR Percent | 1.03 | 0.9749 |
| 10010 | XXXXXX | Months Reserves | 45.00 | 41.56 |
| 10010 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10093 | XXXXXX | Debt to Income Ratio (Back) | 12.1700 | 17.1744 |
| 10094 | XXXXXX | Borrower DSCR Percent | 1 | 1.0093 |
| 10094 | XXXXXX | Cash Reserves | 214981.30 | 209220.83 |
| 10094 | XXXXXX | Months Reserves | 70.00 | 65.99 |
| 10001 | XXXXXX | Borrower DSCR Percent | 1.02 | 1.0251 |
| 10001 | XXXXXX | Cash Reserves | 132468.36 | 92468.36 |
| 10001 | XXXXXX | Months Reserves | 129.00 | 90.24 |
| 10001 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10095 | XXXXXX | Borrower DSCR Percent | 1.16 | 1.1643 |
| 10095 | XXXXXX | Cash Reserves | 67521.92 | 67430.04 |
| 10095 | XXXXXX | Months Reserves | 39.00 | 39.26 |
| 10095 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10418 | XXXXXX | Debt to Income Ratio (Back) | 17.6300 | 20.8036 |
| 10418 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10116 | XXXXXX | Cash Reserves | 182415.28 | 181211.37 |
| 10116 | XXXXXX | Debt to Income Ratio (Back) | 31.4800 | 46.4518 |
| 10116 | XXXXXX | Months Reserves | 43.00 | 43.38 |
| 10123 | XXXXXX | Borrower DSCR Percent | 1.08 | 1.1863 |
| 10123 | XXXXXX | Cash Reserves | 57504.55 | 65797.25 |
| 10123 | XXXXXX | Months Reserves | 35.00 | 33.94 |
| 10123 | XXXXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| 10123 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10011 | XXXXXX | Borrower DSCR Percent | 1.05 | 1.0536 |
| 10011 | XXXXXX | Months Reserves | 18.00 | 18.19 |
| 10144 | XXXXXX | Borrower DSCR Percent | 1.49 | 1.4934 |
| 10144 | XXXXXX | Cash Reserves | 98857.10 | 131752.44 |
| 10144 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 10144 | XXXXXX | Months Reserves | 82.00 | 109.32 |
| 10144 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10117 | XXXXXX | Borrower DSCR Percent | 1.43 | 1.4369 |
| 10117 | XXXXXX | Months Reserves | 14.00 | 14.30 |
| 10419 | XXXXXX | Debt to Income Ratio (Back) | 28.0900 | 32.1035 |
| 10012 | XXXXXX | Borrower DSCR Percent | 1.75 | 1.6837 |
| 10012 | XXXXXX | Cash Reserves | 29300.33 | 29391.83 |
| 10012 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10012 | XXXXXX | Months Reserves | 20.00 | 14.77 |
| 10012 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10046 | XXXXXX | Cash Reserves | 129326.55 | 129330.04 |
| 10046 | XXXXXX | Months Reserves | 49.00 | 49.97 |
| 10046 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10013 | XXXXXX | Cash Reserves | 62316.36 | 59649.46 |
| 10013 | XXXXXX | Debt to Income Ratio (Back) | 13.9100 | 38.9940 |
| 10013 | XXXXXX | Months Reserves | 7.00 | 7.05 |
| 10096 | XXXXXX | Cash Reserves | 76332.67 | 74552.01 |
| 10096 | XXXXXX | Debt to Income Ratio (Back) | 10.1400 | 28.5225 |
| 10096 | XXXXXX | Months Reserves | 15.00 | 15.25 |
| 10096 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10097 | XXXXXX | Borrower DSCR Percent | 1.11 | 1.1128 |
| 10097 | XXXXXX | Months Reserves | 37.00 | 37.66 |
| 10097 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10124 | XXXXXX | Borrower DSCR Percent | 1.05 | 1.0576 |
| 10124 | XXXXXX | Months Reserves | 8.00 | 7.52 |
| 10124 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 10098 | XXXXXX | Debt to Income Ratio (Back) | 29.6700 | 34.5144 |
| 10098 | XXXXXX | Months Reserves | 6.00 | 6.50 |
| 10099 | XXXXXX | Borrower DSCR Percent | 1.08 | 1.0866 |
| 10099 | XXXXXX | Cash Reserves | 11717.96 | 16534.07 |
| 10099 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10099 | XXXXXX | Months Reserves | 7.00 | 10.89 |
| 10100 | XXXXXX | Borrower DSCR Percent | 1.17 | 1.1753 |
| 10100 | XXXXXX | Months Reserves | 34.00 | 34.14 |
| 10100 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10014 | XXXXXX | Cash Reserves | 31510.97 | 27662.36 |
| 10014 | XXXXXX | Debt to Income Ratio (Back) | 34.9900 | 44.7327 |
| 10014 | XXXXXX | Months Reserves | 14.00 | 12.55 |
| 10014 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10787 | XXXXXX | Borrower DSCR Percent | 1.26 | 1.2683 |
| 10787 | XXXXXX | Cash Reserves | 889.19 | 272487.94 |
| 10787 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10047 | XXXXXX | Borrower DSCR Percent | 1.02 | 1.0255 |
| 10047 | XXXXXX | Cash Reserves | 474108.73 | 474020.71 |
| 10047 | XXXXXX | Months Reserves | 114.00 | 93.85 |
| 10048 | XXXXXX | Borrower DSCR Percent | 0.99 | 0.9976 |
| 10048 | XXXXXX | Cash Reserves | 198053.47 | 198097.22 |
| 10048 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10048 | XXXXXX | Months Reserves | 117.00 | 116.25 |
| 10048 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10101 | XXXXXX | Debt to Income Ratio (Back) | 17.0500 | 35.6844 |
| 10101 | XXXXXX | Months Reserves | 74.00 | 74.20 |
| 10145 | XXXXXX | Borrower DSCR Percent | 1.73 | 1.738 |
| 10145 | XXXXXX | Combined LTV | 77.50 | 75.00 |
| 10145 | XXXXXX | Months Reserves | 25.00 | 25.59 |
| 10145 | XXXXXX | Number of Units | 2 | 4 |
| 10145 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10145 | XXXXXX | Original LTV | 77.50 | 75.00 |
| 10145 | XXXXXX | Property Type | 2 Family | 4 Family |
| 10145 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10102 | XXXXXX | Borrower DSCR Percent | 0.9 | 0.9056 |
| 10102 | XXXXXX | Cash Reserves | 268400.25 | 239206.15 |
| 10102 | XXXXXX | Months Reserves | 70.00 | 62.79 |
| 10146 | XXXXXX | Months Reserves | 31.00 | 31.58 |
| 10146 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10103 | XXXXXX | Cash Reserves | 1582996.92 | 1110197.66 |
| 10103 | XXXXXX | Debt to Income Ratio (Back) | 14.6300 | 24.9428 |
| 10103 | XXXXXX | Months Reserves | 142.00 | 100.06 |
| 10147 | XXXXXX | Borrower DSCR Percent | 1.13 | 1.1311 |
| 10147 | XXXXXX | Cash Reserves | 58080.44 | 58145.52 |
| 10147 | XXXXXX | Months Reserves | 27.00 | 26.85 |
| 10148 | XXXXXX | Cash Reserves | 3254.25 | 37625.20 |
| 10148 | XXXXXX | Months Reserves | 2.00 | 22.53 |
| 10104 | XXXXXX | Cash Reserves | 22215.17 | 28255.98 |
| 10104 | XXXXXX | Debt to Income Ratio (Back) | 17.1600 | 21.7830 |
| 10104 | XXXXXX | Months Reserves | 7.00 | 9.23 |
| 10149 | XXXXXX | Borrower DSCR Percent | 1.33 | 1.3349 |
| 10149 | XXXXXX | Cash Reserves | 130221.22 | 130138.86 |
| 10149 | XXXXXX | Months Reserves | 119.00 | 119.82 |
| 10149 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10769 | XXXXXX | Borrower DSCR Percent | 1.1 | 1.1098 |
| 10769 | XXXXXX | Cash Reserves | 351199.27 | 355226.27 |
| 10769 | XXXXXX | Months Reserves | 96.00 | 97.95 |
| 10769 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10105 | XXXXXX | Cash Reserves | 202417.34 | 33591.32 |
| 10105 | XXXXXX | Debt to Income Ratio (Back) | 5.8000 | 15.5000 |
| 10105 | XXXXXX | Months Reserves | 73.00 | 12.25 |
| 10049 | XXXXXX | Cash Reserves | 202444.33 | 127141.47 |
| 10049 | XXXXXX | Debt to Income Ratio (Back) | 40.9300 | 47.8529 |
| 10049 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10049 | XXXXXX | Months Reserves | 15.00 | 9.67 |
| 10049 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10106 | XXXXXX | Cash Reserves | 39889.22 | 438507.06 |
| 10106 | XXXXXX | Debt to Income Ratio (Back) | 32.7300 | 38.0650 |
| 10106 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10106 | XXXXXX | Months Reserves | 11.00 | 109.13 |
| 10106 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10015 | XXXXXX | Borrower DSCR Percent | 1.04 | 1.0471 |
| 10015 | XXXXXX | Cash Reserves | 36254.10 | 224384.68 |
| 10015 | XXXXXX | Months Reserves | 17.00 | 97.90 |
| 10107 | XXXXXX | Borrower DSCR Percent | 1.14 | 1.1409 |
| 10107 | XXXXXX | Cash Reserves | 118312.69 | 115115.95 |
| 10107 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10107 | XXXXXX | Months Reserves | 117.00 | 97.29 |
| 10107 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10125 | XXXXXX | Borrower DSCR Percent | 1.36 | 1.3679 |
| 10125 | XXXXXX | Cash Reserves | 35242.26 | 67567.98 |
| 10125 | XXXXXX | Months Reserves | 32.00 | 61.62 |
| 10125 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10150 | XXXXXX | Cash Reserves | 1580311.54 | 1428206.71 |
| 10150 | XXXXXX | Debt to Income Ratio (Back) | 95.0000 | 4.2000 |
| 10150 | XXXXXX | Months Reserves | 410.00 | 370.60 |
| 10004 | XXXXXX | Cash Reserves | 166785.73 | 167168.81 |
| 10004 | XXXXXX | Months Reserves | 86.00 | 84.76 |
| 10004 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10118 | XXXXXX | Borrower DSCR Percent | 1.61 | 1.6177 |
| 10118 | XXXXXX | Months Reserves | 51.00 | 51.93 |
| 10118 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10016 | XXXXXX | Borrower DSCR Percent | 1.14 | 1.141 |
| 10016 | XXXXXX | Cash Reserves | 15513.12 | 15513.90 |
| 10016 | XXXXXX | Months Reserves | 10.00 | 8.44 |
| 10016 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 10050 | XXXXXX | Cash Reserves | 276262.02 | 438608.38 |
| 10050 | XXXXXX | Debt to Income Ratio (Back) | 27.4100 | 37.6835 |
| 10050 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10050 | XXXXXX | Months Reserves | 34.00 | 53.26 |
| 10151 | XXXXXX | Cash Reserves | 77336.60 | 80265.94 |
| 10151 | XXXXXX | Months Reserves | 40.00 | 41.74 |
| 10151 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10108 | XXXXXX | Borrower DSCR Percent | 1.66 | 1.6619 |
| 10108 | XXXXXX | Cash Reserves | 80.82 | 212942.56 |
| 10108 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10109 | XXXXXX | Cash Reserves | 170221.29 | 305856.44 |
| 10109 | XXXXXX | Debt to Income Ratio (Back) | 20.0800 | 34.0923 |
| 10109 | XXXXXX | Months Reserves | 17.00 | 35.47 |
| 10051 | XXXXXX | Cash Reserves | 211339.59 | 433798.80 |
| 10051 | XXXXXX | Debt to Income Ratio (Back) | 25.1200 | 36.9462 |
| 10051 | XXXXXX | Months Reserves | 16.00 | 32.90 |
| 10152 | XXXXXX | Borrower DSCR Percent | 2.02 | 2.0207 |
| 10152 | XXXXXX | Cash Reserves | 73248.59 | 48803.67 |
| 10152 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10152 | XXXXXX | Months Reserves | 66.00 | 42.88 |
| 10152 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10110 | XXXXXX | Debt to Income Ratio (Back) | 6.2500 | 17.5014 |
| 10110 | XXXXXX | Months Reserves | 48.00 | 42.68 |
| 10715 | XXXXXX | Borrower DSCR Percent | 1.74 | 1.6245 |
| 10715 | XXXXXX | Cash Reserves | 5308.36 | 5414.38 |
| 10715 | XXXXXX | Months Reserves | 3.00 | 3.26 |
| 10153 | XXXXXX | Borrower DSCR Percent | 1 |  |
| 10153 | XXXXXX | Cash Reserves | 38050.86 | 37257.34 |
| 10153 | XXXXXX | Months Reserves | 10.00 | 10.47 |
| 10154 | XXXXXX | Borrower DSCR Percent | 1.05 | 1.0539 |
| 10154 | XXXXXX | Months Reserves | 10.00 | 10.45 |
| 10155 | XXXXXX | Cash Reserves | 117789.56 | 89033.54 |
| 10155 | XXXXXX | Months Reserves | 28.00 | 21.54 |
| 10155 | XXXXXX | Representative Credit Score for Grading | 701 | 690 |
| 10155 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10156 | XXXXXX | Cash Reserves | 2556.17 | 5217.86 |
| 10156 | XXXXXX | Debt to Income Ratio (Back) | 46.9000 | 49.4467 |
| 10156 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10157 | XXXXXX | Borrower DSCR Percent | 1.24 | 1.469 |
| 10157 | XXXXXX | Cash Reserves | 92713.35 | 94420.54 |
| 10157 | XXXXXX | Months Reserves | 72.00 | 61.65 |
| 10157 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 10157 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10158 | XXXXXX | Borrower DSCR Percent | 0.93 | 0.9328 |
| 10158 | XXXXXX | Cash Reserves | 62269.50 | 62270.70 |
| 10158 | XXXXXX | Months Reserves | 21.00 | 20.35 |
| 10159 | XXXXXX | Borrower DSCR Percent | 1 | 1.0019 |
| 10159 | XXXXXX | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 10159 | XXXXXX | Months Reserves | 10.00 | 10.37 |
| 10160 | XXXXXX | Cash Reserves | 112272.35 | 111242.15 |
| 10160 | XXXXXX | Debt to Income Ratio (Back) | 32.1200 | 34.9333 |
| 10160 | XXXXXX | Months Reserves | 9.00 | 9.30 |
| 10160 | XXXXXX | Property Type | Detached PUD | SFR |
| 10111 | XXXXXX | Debt to Income Ratio (Back) | 20.0900 | 26.4967 |
| 10111 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10161 | XXXXXX | Borrower DSCR Percent | 1.76 | 1.762 |
| 10161 | XXXXXX | Months Reserves | 243.00 | 241.21 |
| 10788 | XXXXXX | Borrower DSCR Percent | 1.04 | 1.0407 |
| 10788 | XXXXXX | Months Reserves | 32.00 | 32.41 |
| 10788 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10162 | XXXXXX | Borrower DSCR Percent | 1.12 | 0.9407 |
| 10162 | XXXXXX | Months Reserves | 123.00 | 123.71 |
| 10162 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10163 | XXXXXX | Cash Reserves | 57573.33 | 57574.00 |
| 10163 | XXXXXX | Debt to Income Ratio (Back) | 27.4700 | 53.3543 |
| 10163 | XXXXXX | Months Reserves | 22.00 | 22.35 |
| 10163 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10164 | XXXXXX | Months Reserves | 39.00 | 38.44 |
| 10164 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10165 | XXXXXX | Months Reserves | 47.00 | 46.56 |
| 10165 | XXXXXX | Representative Credit Score for Grading | 684 | 673 |
| 10165 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10166 | XXXXXX | Borrower DSCR Percent | 1.16 | 1.0465 |
| 10166 | XXXXXX | Cash Reserves | 154901.28 | 155494.28 |
| 10166 | XXXXXX | Months Reserves | 112.00 | 112.78 |
| 10166 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10112 | XXXXXX | Borrower 1 SSN | XXXXXX | XXXXXX |
| 10112 | XXXXXX | Cash Reserves | 296805.15 | 296805.37 |
| 10112 | XXXXXX | Debt to Income Ratio (Back) | 14.9200 | 32.9001 |
| 10112 | XXXXXX | Months Reserves | 40.00 | 40.17 |
| 10112 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10716 | XXXXXX | Borrower DSCR Percent | 1.11 | 1.1134 |
| 10716 | XXXXXX | Months Reserves | 102.00 | 102.70 |
| 10716 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10167 | XXXXXX | Borrower DSCR Percent | 1.42 | 1.1851 |
| 10167 | XXXXXX | Months Reserves | 98.00 | 70.90 |
| 10167 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10168 | XXXXXX | Cash Reserves | 374776.01 | 227185.12 |
| 10168 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10168 | XXXXXX | Months Reserves | 56.00 | 34.06 |
| 10690 | XXXXXX | Borrower DSCR Percent | 1.46 | 1.4583 |
| 10690 | XXXXXX | Months Reserves | 111.00 | 111.67 |
| 10690 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10169 | XXXXXX | Cash Reserves | 178665.87 | 230050.24 |
| 10169 | XXXXXX | Months Reserves | 22.00 | 29.09 |
| 10170 | XXXXXX | Cash Reserves | 168675.87 | 137293.95 |
| 10170 | XXXXXX | Months Reserves | 17.00 | 14.46 |
| 10170 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10171 | XXXXXX | Cash Reserves | 71644.38 | 71803.63 |
| 10171 | XXXXXX | Months Reserves | 54.00 | 48.22 |
| 10172 | XXXXXX | Borrower DSCR Percent | 1.87 | 1.8745 |
| 10172 | XXXXXX | Cash Reserves | 97239.49 | 80006.49 |
| 10172 | XXXXXX | Months Reserves | 53.00 | 43.97 |
| 10172 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10017 | XXXXXX | Borrower DSCR Percent | 1 |  |
| 10017 | XXXXXX | Cash Reserves | 10888.27 | 10888.77 |
| 10017 | XXXXXX | Debt to Income Ratio (Back) | 5.7800 | 44.8916 |
| 10017 | XXXXXX | Months Reserves | 6.00 | 6.03 |
| 10173 | XXXXXX | Cash Reserves | 696010.66 | 674588.81 |
| 10173 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10173 | XXXXXX | Months Reserves | 50.00 | 47.72 |
| 10174 | XXXXXX | Cash Reserves | 20087.52 | 63239.25 |
| 10174 | XXXXXX | Debt to Income Ratio (Back) | 38.6200 | 47.5810 |
| 10174 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10174 | XXXXXX | Months Reserves | 2.00 | 6.44 |
| 10717 | XXXXXX | Borrower DSCR Percent | 2.07 | 2.0756 |
| 10717 | XXXXXX | Cash Reserves | 91504.83 | 115543.24 |
| 10717 | XXXXXX | Months Reserves | 15.00 | 19.99 |
| 10718 | XXXXXX | Cash Reserves | 80996.03 | 80806.20 |
| 10718 | XXXXXX | Debt to Income Ratio (Back) | 36.3600 | 39.0393 |
| 10718 | XXXXXX | Months Reserves | 23.00 | 20.94 |
| 10175 | XXXXXX | Cash Reserves | 36231.08 | 32337.03 |
| 10175 | XXXXXX | Months Reserves | 15.00 | 13.39 |
| 10176 | XXXXXX | Borrower DSCR Percent | 1.05 | 1.0516 |
| 10176 | XXXXXX | Months Reserves | 99.00 | 99.11 |
| 10176 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10177 | XXXXXX | Borrower DSCR Percent | 1.18 | 1.2059 |
| 10177 | XXXXXX | Months Reserves | 109.00 | 110.82 |
| 10177 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10719 | XXXXXX | Borrower DSCR Percent | 1.2 | 1.2089 |
| 10719 | XXXXXX | Months Reserves | 66.00 | 66.24 |
| 10719 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10178 | XXXXXX | Borrower DSCR Percent | 1.01 | 1.0106 |
| 10178 | XXXXXX | Cash Reserves | 155874.59 | 365309.22 |
| 10178 | XXXXXX | Months Reserves | 105.00 | 246.12 |
| 10178 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10179 | XXXXXX | Borrower DSCR Percent | 1.09 | 1.0915 |
| 10179 | XXXXXX | Months Reserves | 94.00 | 85.24 |
| 10180 | XXXXXX | Borrower DSCR Percent | 0.99 | 0.9968 |
| 10180 | XXXXXX | Cash Reserves | 146855.82 | 112578.89 |
| 10180 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10180 | XXXXXX | Months Reserves | 56.00 | 43.16 |
| 10180 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10181 | XXXXXX | Borrower DSCR Percent | 1.08 | 1.0885 |
| 10181 | XXXXXX | Months Reserves | 74.00 | 72.62 |
| 10181 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10182 | XXXXXX | Cash Reserves | 135176.18 | 29064.78 |
| 10182 | XXXXXX | Months Reserves | 36.00 | 7.76 |
| 10183 | XXXXXX | Cash Reserves | 56699.55 | 62553.40 |
| 10183 | XXXXXX | Months Reserves | 17.00 | 19.14 |
| 10184 | XXXXXX | Borrower DSCR Percent | 1.01 | 1.0121 |
| 10184 | XXXXXX | Cash Reserves | 131984.51 | 33166.18 |
| 10184 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10184 | XXXXXX | Months Reserves | 43.00 | 11.01 |
| 10185 | XXXXXX | Borrower DSCR Percent | 1.01 | 1.0194 |
| 10185 | XXXXXX | Cash Reserves | 151048.82 | 367201.28 |
| 10185 | XXXXXX | Months Reserves | 104.00 | 215.75 |
| 10185 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10186 | XXXXXX | Cash Reserves | 180043.95 | 155043.95 |
| 10186 | XXXXXX | Debt to Income Ratio (Back) | 24.4900 | 28.3464 |
| 10186 | XXXXXX | Months Reserves | 46.00 | 38.84 |
| 10720 | XXXXXX | Borrower DSCR Percent | 1 | 1.0018 |
| 10720 | XXXXXX | Cash Reserves | 103450.84 | 104187.93 |
| 10720 | XXXXXX | Months Reserves | 94.00 | 94.89 |
| 10187 | XXXXXX | Borrower DSCR Percent | 1.15 | 1.1505 |
| 10187 | XXXXXX | Cash Reserves | 42543.08 | 43538.59 |
| 10187 | XXXXXX | Months Reserves | 25.00 | 25.69 |
| 10721 | XXXXXX | Cash Reserves | 66570.16 | 29429.52 |
| 10721 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10721 | XXXXXX | Months Reserves | 16.00 | 7.21 |
| 10770 | XXXXXX | Borrower DSCR Percent | 0.86 | 0.8037 |
| 10770 | XXXXXX | Cash Reserves | 216963.81 | 53694.80 |
| 10770 | XXXXXX | Months Reserves | 95.00 | 20.07 |
| 10770 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10188 | XXXXXX | Cash Reserves | 49666.09 | 51872.25 |
| 10188 | XXXXXX | Months Reserves | 22.00 | 23.36 |
| 10189 | XXXXXX | Borrower DSCR Percent | 1.48 | 1.4896 |
| 10189 | XXXXXX | Cash Reserves | 171394.39 | 171715.32 |
| 10189 | XXXXXX | Months Reserves | 29.00 | 25.58 |
| 10189 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10190 | XXXXXX | Borrower DSCR Percent | 1.04 | 1.0434 |
| 10190 | XXXXXX | Cash Reserves | 88853.99 | 72041.07 |
| 10190 | XXXXXX | Months Reserves | 61.00 | 50.11 |
| 10190 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10191 | XXXXXX | Borrower DSCR Percent | 1.15 | 1.1525 |
| 10191 | XXXXXX | Cash Reserves | 133850.63 | 94546.24 |
| 10191 | XXXXXX | Months Reserves | 81.00 | 57.35 |
| 10191 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10192 | XXXXXX | Borrower DSCR Percent | 1 | 1.0038 |
| 10192 | XXXXXX | Months Reserves | 103.00 | 103.45 |
| 10192 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10722 | XXXXXX | Borrower DSCR Percent | 1.15 | 1.1595 |
| 10722 | XXXXXX | Months Reserves | 17.00 | 17.70 |
| 10722 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10723 | XXXXXX | Borrower DSCR Percent | 1 | 1.0012 |
| 10723 | XXXXXX | Cash Reserves | 27136.01 | 23862.62 |
| 10723 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10723 | XXXXXX | Months Reserves | 12.00 | 10.86 |
| 10724 | XXXXXX | Cash Reserves | 92871.64 | 84316.42 |
| 10724 | XXXXXX | Debt to Income Ratio (Back) | 39.6500 | 42.0579 |
| 10724 | XXXXXX | Months Reserves | 53.00 | 48.78 |
| 10193 | XXXXXX | Borrower DSCR Percent | 0.77 | 0.7774 |
| 10193 | XXXXXX | Cash Reserves | 932473.58 | 165604.00 |
| 10193 | XXXXXX | Months Reserves | 182.00 | 30.66 |
| 10194 | XXXXXX | Borrower DSCR Percent | 1.01 | 1.0165 |
| 10194 | XXXXXX | Months Reserves | 101.00 | 101.94 |
| 10194 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10195 | XXXXXX | Debt to Income Ratio (Back) | 49.9500 | 46.0140 |
| 10195 | XXXXXX | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 10195 | XXXXXX | Months Reserves | 10.00 | 10.63 |
| 10725 | XXXXXX | Debt to Income Ratio (Back) | 48.6300 | 29.6317 |
| 10725 | XXXXXX | Months Reserves | 20.00 | 20.55 |
| 10196 | XXXXXX | Borrower DSCR Percent | 0.94 | 0.9408 |
| 10196 | XXXXXX | Cash Reserves | 797123.39 | 333978.82 |
| 10196 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10196 | XXXXXX | Months Reserves | 299.00 | 125.29 |
| 10196 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10771 | XXXXXX | Borrower DSCR Percent | 1.74 | 1.7473 |
| 10771 | XXXXXX | Cash Reserves | 46605.91 | 43724.54 |
| 10771 | XXXXXX | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 10771 | XXXXXX | Months Reserves | 35.00 | 33.22 |
| 10772 | XXXXXX | Debt to Income Ratio (Back) | 42.2800 | 49.8470 |
| 10772 | XXXXXX | Months Reserves | 24.00 | 24.99 |
| 10772 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10773 | XXXXXX | Borrower DSCR Percent | 1.2 | 1.0796 |
| 10773 | XXXXXX | Cash Reserves | 224969.94 | 190969.94 |
| 10773 | XXXXXX | Months Reserves | 97.00 | 82.48 |
| 10773 | XXXXXX | Number of Units | 2 | 3 |
| 10773 | XXXXXX | Property Type | 2 Family | 3 Family |
| 10773 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10197 | XXXXXX | Borrower DSCR Percent | 1.07 | 1.0712 |
| 10197 | XXXXXX | Months Reserves | 120.00 | 112.12 |
| 10197 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 10197 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10726 | XXXXXX | Borrower DSCR Percent | 1.18 | 1.1849 |
| 10726 | XXXXXX | Cash Reserves | 149710.82 | 209627.06 |
| 10726 | XXXXXX | Months Reserves | 42.00 | 59.14 |
| 10727 | XXXXXX | Cash Reserves | 475236.32 | 1292487.85 |
| 10727 | XXXXXX | Months Reserves | 127.00 | 337.88 |
| 10727 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10728 | XXXXXX | Cash Reserves | 36332.20 | 290289.62 |
| 10728 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10728 | XXXXXX | Months Reserves | 9.00 | 77.43 |
| 10728 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10198 | XXXXXX | Cash Reserves | 17143.91 | 53260.28 |
| 10198 | XXXXXX | Months Reserves | 7.00 | 24.47 |
| 10774 | XXXXXX | Cash Reserves | 28142.00 | 59214.94 |
| 10774 | XXXXXX | Months Reserves | 13.00 | 27.87 |
| 10199 | XXXXXX | Cash Reserves | 319717.49 | 383753.47 |
| 10199 | XXXXXX | Debt to Income Ratio (Back) | 32.5900 | 40.7240 |
| 10199 | XXXXXX | Months Reserves | 82.00 | 100.80 |
| 10200 | XXXXXX | Cash Reserves | 341517.84 | 339851.16 |
| 10200 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10200 | XXXXXX | Months Reserves | 29.00 | 28.73 |
| 10200 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10775 | XXXXXX | Borrower DSCR Percent | 1.04 | 0.6266 |
| 10775 | XXXXXX | Cash Reserves | 138663.00 | 135446.32 |
| 10775 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10775 | XXXXXX | Months Reserves | 90.00 | 77.16 |
| 10775 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10729 | XXXXXX | Cash Reserves | 116.29 | 220274.18 |
| 10729 | XXXXXX | Debt to Income Ratio (Back) | 1.3600 | 4.5800 |
| 10729 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10201 | XXXXXX | Borrower DSCR Percent | 1.03 | 1.0321 |
| 10201 | XXXXXX | Cash Reserves | 92648.97 | 94753.22 |
| 10201 | XXXXXX | Months Reserves | 69.00 | 62.10 |
| 10730 | XXXXXX | Borrower DSCR Percent | 1.28 | 1.2844 |
| 10730 | XXXXXX | Cash Reserves | 184810.37 | 184700.37 |
| 10730 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10730 | XXXXXX | Months Reserves | 124.00 | 105.44 |
| 10730 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10776 | XXXXXX | Borrower DSCR Percent | 1.18 | 1.188 |
| 10776 | XXXXXX | Cash Reserves | 482867.03 | 482649.53 |
| 10776 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10776 | XXXXXX | Months Reserves | 117.00 | 117.21 |
| 10776 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10731 | XXXXXX | Borrower DSCR Percent | 1.03 | 1.0303 |
| 10731 | XXXXXX | Cash Reserves | 188590.01 | 188515.53 |
| 10731 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10731 | XXXXXX | Months Reserves | 127.00 | 104.99 |
| 10731 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10732 | XXXXXX | Borrower DSCR Percent | 1.17 | 1.1761 |
| 10732 | XXXXXX | Cash Reserves | 159424.19 | 159373.77 |
| 10732 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10732 | XXXXXX | Months Reserves | 129.00 | 104.14 |
| 10732 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10733 | XXXXXX | Borrower DSCR Percent | 1.14 | 1.2576 |
| 10733 | XXXXXX | Cash Reserves | 117659.15 | 117659.54 |
| 10733 | XXXXXX | Months Reserves | 53.00 | 59.19 |
| 10733 | XXXXXX | Property Type | SFR | SFR-Attached |
| 10733 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10734 | XXXXXX | Borrower DSCR Percent | 1.09 | 1.0901 |
| 10734 | XXXXXX | Cash Reserves | 167895.66 | 167795.97 |
| 10734 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10734 | XXXXXX | Months Reserves | 125.00 | 103.93 |
| 10734 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10735 | XXXXXX | Borrower DSCR Percent | 1.02 | 1.0265 |
| 10735 | XXXXXX | Cash Reserves | 239787.59 | 239549.83 |
| 10735 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10735 | XXXXXX | Months Reserves | 116.00 | 116.27 |
| 10735 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10202 | XXXXXX | Cash Reserves | 265982.56 | 260682.42 |
| 10202 | XXXXXX | Debt to Income Ratio (Back) | 19.5700 | 14.2247 |
| 10202 | XXXXXX | Months Reserves | 71.00 | 69.66 |
| 10202 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10736 | XXXXXX | Borrower DSCR Percent | 0.96 | 0.8393 |
| 10736 | XXXXXX | Cash Reserves | 67223.86 | 105101.95 |
| 10736 | XXXXXX | Months Reserves | 21.00 | 27.57 |
| 10736 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10737 | XXXXXX | Borrower DSCR Percent | 1 | 1.0014 |
| 10737 | XXXXXX | Months Reserves | 72.00 | 72.79 |
| 10737 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10738 | XXXXXX | Borrower DSCR Percent | 1.13 | 1.1375 |
| 10738 | XXXXXX | Cash Reserves | 194129.71 | 71477.08 |
| 10738 | XXXXXX | Months Reserves | 105.00 | 32.52 |
| 10739 | XXXXXX | Borrower DSCR Percent | 1.01 | 1.0144 |
| 10739 | XXXXXX | Cash Reserves | 163000.33 | 89730.72 |
| 10739 | XXXXXX | Months Reserves | 122.00 | 67.43 |
| 10740 | XXXXXX | Cash Reserves | 208201.70 | 140287.25 |
| 10740 | XXXXXX | Months Reserves | 48.00 | 31.54 |
| 10203 | XXXXXX | Borrower DSCR Percent | 1.02 | 1.0269 |
| 10203 | XXXXXX | Months Reserves | 47.00 | 43.95 |
| 10742 | XXXXXX | Borrower DSCR Percent | 1.09 | 1.0993 |
| 10742 | XXXXXX | Cash Reserves | 26342.97 | 53676.64 |
| 10742 | XXXXXX | Months Reserves | 14.00 | 30.26 |
| 10743 | XXXXXX | Borrower DSCR Percent | 0.87 | 0.883 |
| 10743 | XXXXXX | Months Reserves | 61.00 | 46.65 |
| 10743 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 10743 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10744 | XXXXXX | Cash Reserves | 5740.49 | 50666.68 |
| 10744 | XXXXXX | Months Reserves | 2.00 | 18.58 |
| 10777 | XXXXXX | Cash Reserves | 222027.49 | 107809.03 |
| 10777 | XXXXXX | Months Reserves | 77.00 | 37.63 |
| 10745 | XXXXXX | Cash Reserves | 216260.29 | 178092.49 |
| 10745 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10745 | XXXXXX | Months Reserves | 54.00 | 45.94 |
| 10746 | XXXXXX | Borrower DSCR Percent | 1.03 | 1.0303 |
| 10746 | XXXXXX | Months Reserves | 12.00 | 12.29 |
| 10747 | XXXXXX | Cash Reserves | 122355.99 | 706061.36 |
| 10747 | XXXXXX | Months Reserves | 34.00 | 201.73 |
| 10748 | XXXXXX | Cash Reserves | 9503.54 | 4538.69 |
| 10748 | XXXXXX | Months Reserves | 6.00 | 3.32 |
| 10749 | XXXXXX | Borrower DSCR Percent | 1.01 | 1.0183 |
| 10749 | XXXXXX | Cash Reserves | 64119.75 | 133205.60 |
| 10749 | XXXXXX | Months Reserves | 35.00 | 73.32 |
| 10749 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10750 | XXXXXX | Cash Reserves | 38703.13 | 139690.89 |
| 10750 | XXXXXX | Months Reserves | 6.00 | 24.03 |
| 10751 | XXXXXX | Borrower DSCR Percent | 1 | 1.0018 |
| 10751 | XXXXXX | Cash Reserves | 16759.28 | 16761.67 |
| 10751 | XXXXXX | Months Reserves | 11.00 | 11.58 |
| 10751 | XXXXXX | Representative Credit Score for Grading | 707 | 705 |
| 10752 | XXXXXX | Borrower DSCR Percent | 1.02 | 1.0112 |
| 10752 | XXXXXX | Months Reserves | 75.00 | 74.35 |
| 10753 | XXXXXX | Cash Reserves | 344966.68 | 278750.99 |
| 10753 | XXXXXX | Debt to Income Ratio (Back) | 20.2400 | 18.1848 |
| 10753 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10753 | XXXXXX | Months Reserves | 35.00 | 28.06 |
| 10754 | XXXXXX | Borrower DSCR Percent | 1.01 | 1.0106 |
| 10754 | XXXXXX | Months Reserves | 80.00 | 80.86 |
| 10754 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10755 | XXXXXX | Borrower DSCR Percent | 1.7 | 1.7031 |
| 10755 | XXXXXX | Cash Reserves | 14215.70 | 9898.77 |
| 10755 | XXXXXX | Months Reserves | 15.00 | 10.54 |
| 10756 | XXXXXX | Borrower DSCR Percent | 1.01 | 1.0119 |
| 10756 | XXXXXX | Cash Reserves | 144922.34 | 144782.31 |
| 10756 | XXXXXX | Months Reserves | 28.00 | 28.73 |
| 10757 | XXXXXX | Borrower DSCR Percent | 1.12 | 1.1228 |
| 10757 | XXXXXX | Cash Reserves | 13034.67 | 15121.90 |
| 10757 | XXXXXX | Months Reserves | 5.00 | 5.66 |
| 10758 | XXXXXX | Borrower DSCR Percent | 1.01 | 1.0112 |
| 10758 | XXXXXX | Months Reserves | 89.00 | 89.76 |
| 10758 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10759 | XXXXXX | Borrower DSCR Percent | 1.03 | 0.9367 |
| 10759 | XXXXXX | Months Reserves | 12.00 | 10.64 |
| 10760 | XXXXXX | Borrower DSCR Percent | 1.07 | 1.1015 |
| 10760 | XXXXXX | Cash Reserves | 15717.44 | 63754.35 |
| 10760 | XXXXXX | Months Reserves | 7.00 | 30.53 |
| 10778 | XXXXXX | Borrower DSCR Percent | 1 |  |
| 10778 | XXXXXX | Cash Reserves | 30821.52 | 58088.12 |
| 10778 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10778 | XXXXXX | Months Reserves | 10.00 | 19.08 |
| 10761 | XXXXXX | Borrower DSCR Percent | 1.03 | 1.0342 |
| 10761 | XXXXXX | Months Reserves | 109.00 | 98.09 |
| 10762 | XXXXXX | Cash Reserves | 38720.83 | 76386.11 |
| 10762 | XXXXXX | Months Reserves | 4.00 | 9.73 |
| 10762 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10763 | XXXXXX | Borrower DSCR Percent | 1.02 | 1.0214 |
| 10763 | XXXXXX | Cash Reserves | 380879.45 | 385862.46 |
| 10763 | XXXXXX | Months Reserves | 114.00 | 115.92 |
| 10764 | XXXXXX | Borrower DSCR Percent | 0.98 | 0.981 |
| 10764 | XXXXXX | Cash Reserves | 513416.44 | 227983.78 |
| 10764 | XXXXXX | Months Reserves | 74.00 | 32.89 |
| 10765 | XXXXXX | Cash Reserves | 59749.75 | 81297.40 |
| 10765 | XXXXXX | Months Reserves | 7.00 | 10.12 |
| 10766 | XXXXXX | Cash Reserves | 227904.81 | 227701.47 |
| 10766 | XXXXXX | Months Reserves | 122.00 | 111.42 |
| 10766 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10767 | XXXXXX | Borrower DSCR Percent | 1.12 | 1.1295 |
| 10768 | XXXXXX | Borrower 1 SSN | XXXXXX | XXXXXX |
| 10768 | XXXXXX | Borrower DSCR Percent | 1.27 | 1.2762 |
| 10768 | XXXXXX | Cash Reserves | 175280.30 | 157280.57 |
| 10768 | XXXXXX | Months Reserves | 95.00 | 85.42 |

---

©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 99.7

[HOMES 2023-NQM1 ABS-15G](homes-abs15g_020223.htm)

**EXHIBIT 99.7**

**EXECUTIVE SUMMARY<br> Third Party Due Diligence Review**

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third party due diligence provider, performed the review described below on behalf of its client, APF Holdings I, L.P. The review included a total of 221 newly originated residential mortgage loans, in connection with the securitization identified as HOMES 2023-NQM1 (the "Securitization"). The Review was conducted from July 2022 through September 2022 on mortgage loans originated between May 2022 and August 2022.

**Scope of Review**

**Credit Review**

Consolidated Analytics performed a "Credit Review" to verify compliance with guidelines in effect at the time of loan origination, or other guidelines provided by Client prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.

The Credit Review attempted to confirm the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. QM
 or ATR Validation / Review of 8 Key Underwriting Factors

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income
 / Assets

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

● Review file documentation for required level of income and asset verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment
 Status

● Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly
 Mortgage Payment

● Confirm program, qualifying rate, terms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous
 Loans

● Validate all concurrent loans are included in the DTI to properly assess the ability to repay

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage
 Related Obligations: PITI, HOA, PMI, etc.

● Validate subject loan monthly payment (PITI) and associated obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts
 / Obligations

● Validate monthly recurring liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI
 and/or Residual Income

● Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

● Documentation meets Appendix Q requirements for QM Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit
 History

● Review credit report for credit history and required credit depth including any / all inquiries

● Determine representative credit score from credit report

&nbsp;&nbsp;&nbsp;&nbsp;b. Validate
 loan-to-value (LTV) and combined loan-to-value

&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 borrower's occupancy

&nbsp;&nbsp;&nbsp;&nbsp;d. Validation
 through third party resource of the subject properties most recent twelve (12) month
 sales history

&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm
 sufficient evidence in loan file, by reviewing the underwriter's decision to approve
 the loan based upon the borrows income, debt, and credit history, to support borrower's
 willingness and ability to repay the debt

&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm
 that Final 1003 is sufficiently completed

&nbsp;&nbsp;&nbsp;&nbsp;g. Provide
 Audit 1008 with accurate data based on file documentation

&nbsp;&nbsp;&nbsp;&nbsp;h. Confirm
 Loan Approval conditions were met

&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 condominium questionnaire to verify all information is complete, prepared by an authorized
 representative, and address any red flags that may deem condominium project ineligible

**Compliance Review**

Consolidated Analytics performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Test
 Loan Estimate(s) for accuracy and completeness as well as timing requirements as required
 by TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;b. Test
 Closing Disclosure(s) for accuracy and completeness as well as timing requirements as
 required by TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;c. Tolerance
 Testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare
 Loan Estimate and Closing Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Identify
 Tolerance Violations and applicable cost to cure

&nbsp;&nbsp;&nbsp;&nbsp;d. Comprehensive
 review of Closing Disclosure to determine transaction accuracy

&nbsp;&nbsp;&nbsp;&nbsp;e. Recalculation
 of APR and Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;f. Testing
 of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal
 High Cost Mortgage provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Federal
 Higher Priced Mortgage Loans provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Local
 and/or State Anti-predatory and High Cost provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. HOEPA
 Points and Fees

&nbsp;&nbsp;&nbsp;&nbsp;g. Determine
 whether specified federal disclosures were provided timely based upon comparison of the
 application date to the dates on such disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Service
 Provider List

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Home
 Ownership Counselling Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. ARM
 Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;h. Compliance
 with QM as it relates to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. APR
 Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Points
 & Fees Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment
 Penalty Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Product
 Eligibility Testing

&nbsp;&nbsp;&nbsp;&nbsp;i. Notice
 of Right to Cancel (Rescission) Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 transaction date, expiration date, and disbursement date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Confirm
 document is properly executed by all required parties to the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm
 the correct Right of Rescission document was executed for the transaction type

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm
 through NMLS the loan originator and originating firm's license status was active and
 properly disclosed on appropriate loan documents

&nbsp;&nbsp;&nbsp;&nbsp;k. Check
 the Loan participants against the exclusionary list provided by Client or by the purchaser
 of the Loan(s)

&nbsp;&nbsp;&nbsp;&nbsp;l. Review
 closing documents to ensure that the Mortgage Loan information is complete, accurate,
 and consistent with other documents; Confirm collateral documents have been recorded
 or sent for recording

The Compliance Review did not include any federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consolidated Analytics are dependent upon its receiving complete and accurate data regarding the loans from loan originators and other third parties upon which Consolidated Analytics is relying in reaching such findings.

**Valuation Review**

Consolidated Analytics performed a "Valuation Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 original appraisal, determination that property is in "average" condition or
 better, or property requires cosmetic improvements (as defined by the appraiser) that
 do not affect habitability. Should an area of concern be identified with the condition
 of the property, Consolidated Analytics will alert Client.

&nbsp;&nbsp;&nbsp;&nbsp;b. Review
 appraisal, determination that property is completely constructed and appraisal is on
 an "as is basis," or property is identified as not completely constructed
 by originating appraiser.

&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 and determine if the appraisal report was performed on appropriate GSE forms and if the
 appraiser indicated in the body of the subject appraisal that the appraisal conforms
 to USPAP standards.

&nbsp;&nbsp;&nbsp;&nbsp;d. Review
 and determine the relevance of the comparable properties and ensure that a rational and
 reliable value was provided and supported as of the effective date of the Origination
 Appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;e. Review
 adjustments (line item, net and gross adjustments) to ensure they are reasonable.

&nbsp;&nbsp;&nbsp;&nbsp;f. Ensure
 that the appraisal conforms to the guidelines provided from the Client.

&nbsp;&nbsp;&nbsp;&nbsp;g. Review
 appraisal to ensure all required documents were included.

&nbsp;&nbsp;&nbsp;&nbsp;h. Review
 location map provided within the appraisal for external obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;i. Ensure
 highest and best use and zoning complies with guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm
 there are no marketability issues that affect the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;k. Ensure
 subject property does not suffer any functional obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;l. Where
 applicable, determine if the file did not contain the appraisal or other valuation method
 and a review could not be performed.

&nbsp;&nbsp;&nbsp;&nbsp;m. Additional
 valuation products were not required when the CU score provided was 2.5 or below. In
 the event the CU score was greater than 2.5, an additional valuation product was obtained
 to confirm value was supported within 10% tolerance. In some instances, CDA's were
 ordered on loans that had an acceptable CU score based on guidance from the seller.

Consolidated Analytics applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product.

For loans reviewed in a post-close valuation review scenario (221 loans in total):

Ten (10) loans had a Secondary Appraisal, twenty-five (25) loans had AVMs, and forty-nine (49) loans had Desktop Reviews.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then a Field Review, a Broker Price Opinion (BPO) along with a Reconciliation of the values or a 2nd Appraisal was completed. There were three (3) occurrences of this.

Zero (0) loans had a Second Desk Review, and zero (0) loans had a Field Review.

**Product totals may not sum due to multiple products for each loan**

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the 221 mortgage loans reviewed, seventy-one (71) unique mortgage loans (32.13% by loan count) had a total of seventy-eight (78) tape discrepancies across six (6) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;UW FICO Utilized | &nbsp;&nbsp;65 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;6 | &nbsp;&nbsp;7.69% |
| &nbsp;&nbsp;Number Units | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.56% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.56% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.56% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.28% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**78** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

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| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 129 | $61556980.00 | 58.37% |
| Event Grade B | 92 | $47776398.00 | 41.63% |
| Event Grade C | 0 | $0.00 | 0.00% |
| Event Grade D | 0 | $0.00 | 0.00% |
| **Total Sample** | 221 | $109333378.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 180 | 81.45% |
| Event Grade B | 41 | 18.55% |
| Event Grade C | 0 | 0.00% |
| Event Grade D | 0 | 0.00% |
| **Total Sample** | 221 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 163 | 73.76% |
| Event Grade B | 58 | 26.24% |
| Event Grade C | 0 | 0.00% |
| Event Grade D | 0 | 0.00% |
| **Total Sample** | 221 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 213 | 96.38% |
| Event Grade B | 8 | 3.62% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 221 | 100.00% |

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**Exception Category Summary**

The table below summarizes the individual exceptions which carried an associated "A", "B", "C", or "D" level exception grade. One loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. 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;**Exception <br> Level <br> Grade** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;113 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Liabilities Verification Indicator is Partial | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Coverage is Not Sufficient. | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;All Interested Parties Not Checked against Exclusionary Lists | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Final Loan Application is Partial | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset Documents are Incomplete | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;5 |

---

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| | |
|:---|:---|
| &nbsp;&nbsp;Borrower Income Verification does not match Approval | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Property is located in a FEMA disaster area | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Housing history does not meet guidelines | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Transmittal Summary is Partial | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Hazard Insurance Effective Date is after the Note Date | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Hazard Insurance Indicator is Partial | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Borrower Employment Verification does not meet guidelines | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;OFAC Check was not completed/Cleared. | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Hazard Insurance Coverage is Not Sufficient | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Borrower Income Verification is less than 12 months | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;The appraiser, appraisal company, seller and title company were not checked against the exclusionary lists. | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Payment shock of 267.11 exceeds the lender guidelines tolerance for payment shock. Maximum payment shock for first-time homebuyers is 250%. | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Underwriting FICO does not meet Guideline Minimum Required | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower residency documentation not provided or issue with documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Qualifying DTI exceeds Guideline Maximum Allowable | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;HAZARD INSURANCE CERTIFICATE MISSING | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 2 Income Verification is less than 12 months | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower Three Credit Report Indicator is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Payment shock exceeds lender guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Initial Credit Application is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Final Loan Application is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Insufficient cash to close. | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Signed 4506t is missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Liquid Reserves are less than Guidelines Required | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Transmittal Summary is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Underwriting LTV exceeds Guideline Maximum Allowable | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Underwriting CLTV exceeds Guideline Maximum Allowable | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Occupancy Status | &nbsp;&nbsp;1 |

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| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Fully Executed Purchase Contract is Partial | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Fully Executed Purchase Contract is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;DSCR is less than guideline minimum | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***199*** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Housing history does not meet guidelines | &nbsp;&nbsp;8 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Underwriting FICO does not meet Guideline Minimum Required | &nbsp;&nbsp;6 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Qualifying DTI exceeds Guideline Maximum Allowable | &nbsp;&nbsp;5 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Underwriting CLTV exceeds Guideline Maximum Allowable | &nbsp;&nbsp;4 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Underwriting LTV exceeds Guideline Maximum Allowable | &nbsp;&nbsp;4 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Liquid Reserves are less than Guidelines Required | &nbsp;&nbsp;4 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Property is located in a FEMA disaster area | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower Income Verification does not match Approval | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Unresolved derogatory credit | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset Documents are Incomplete | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Cash to Borrower Exceeds Maximum Allowable | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Minimum Trade Line Requirement Not Met | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Final Loan Application is Not Executed | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;DSCR is less than guideline minimum | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Transmittal Summary is Partial | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Payment shock exceeds lender guidelines | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Note Document Indicator is Partial | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***51*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;151 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Evidence of Rate Lock Not Provided | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Reimbursement Amount Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID Monitor Timing of Disclosures Finding | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Consummation or Reimbursement Date Validation Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Security Instrument Indicator is Missing | &nbsp;&nbsp;1 |

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| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Security Instrument Indicator is Partial | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Late Fees Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Originator NMLS Status is Not Found | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***170*** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Higher-Priced Mortgage Loan | &nbsp;&nbsp;56 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;CA AB 260 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;MD COMAR Higher-Priced Mortgage Loan Finding | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;NC RSHL Average Prime Offer Rate APR Threshold Exceeded | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;NC Rate Spread Home Loan Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Reimbursement Amount Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Consummation or Reimbursement Date Validation Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of June 1, 2013, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.880%) by 1.5% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.880%) by 2.5% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.880%) by 3.5% or more.; | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***65*** |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | &nbsp;&nbsp;24 |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product not Provided | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | &nbsp;&nbsp;13 |

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| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;7 |
|  | &nbsp;&nbsp;Third Party AVM to appraised value exceeds 10% allowable variance | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;Appraisal guideline violation | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Third party AVM Confidence Score is less than 80% | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Origination Appraisal is Partial | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Third Party Valuation Product not Provided to Support Origination Appraised Value within 10%. | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Third Party Valuation Product Not Provided and CU Score is 3.90. | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Property located in FEMA Declared Disaster Area with no subsequent Property Inspection | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Valuation Grade (A) Exceptions:*** | &nbsp;&nbsp;***67*** |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal guideline violation | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Reasonable Comps Indicator is No | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Valuation Grade (B) Exceptions:*** | &nbsp;&nbsp;***8*** |

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**Event Grade Definitions**

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| | |
|:---|:---|
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Final Loan 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. |

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| | |
|:---|:---|
| &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. |

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| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &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. |

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| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (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 the AVM and there are no other valuation support documents in the loan file provided by the Seller. 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. |

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| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &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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## Exhibit 99.8

[HOMES 2023-NQM1 ABS-15G](homes-abs15g_020223.htm)

**EXHIBIT 99.8**

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| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** |
| 10566 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/19/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of June 1, 2013, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (4.230%) by 1.5% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (4.230%) by 2.5% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (4.230%) by 3.5% or more.; HPML loan with established escrow and appraisal received. Downgraded to a B. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10566 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/20/2022 | Acknowledged | Credit | Housing history does not meet guidelines | Investor matrix required a minimum FICO of 700 in order to utilize VOR to validate rental history. A VOR was obtained to validate rental history however the qualifying FICO is XXX. Client approved exception on page 5. | Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client.;<br> Client provided a guideline allowing for a 4 point credit score exception. Comp factors: DTI housing XXX% total XXX%, Verified reserves are XXX months, residual income of $XXX. | 08/22/2022 |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10476 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10476 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10477 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/19/2022 | Acknowledged | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | Underwriting LTV of XXX is greater than the maximum allowable guideline LTV of 60.00 based on a loan amount of XXX and value used for LTV of 0.00.; <br> Lender exception was granted pgs 1, 880. | Change status of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.;<br> Per CRSE, Exception Type - Cash-Out Amount. Guideline - Loan Purpose: Cash Out, Cash Out: $500k+, maximum LTV: 60%. Actual - LTV: XXX%. Rationale - c/o over 500k and ltv over 60% mortgage history since 2004 0x30. Compensating Factors - Qualifying Credit Score is XXX; XXX% (Housing Ratio) or XXX% (Total); Borrower with same Employer/Business for XXX years; Verified Reserves are XXX; Residual Income of $XXX; 0x30 - last 24 months. Acknowledged by client. | 08/21/2022 |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10477 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/19/2022 | Acknowledged | Credit | Underwriting CLTV exceeds Guideline Maximum Allowable | Underwriting CLTV of XXX is greater than the maximum allowable guideline CLTV of 60.00.; <br> Lender exception was granted pgs 1, 880. | Change status of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.;<br> Per CRSE, Exception Type - Cash-Out Amount. Guideline - Loan Purpose: Cash Out, Cash Out: $500k+, maximum LTV: 60%. Actual - LTV: XXX%. Rationale - c/o over 500k and ltv over 60% mortgage history since 2004 0x30. Compensating Factors - Qualifying Credit Score is XXX; XXX% (Housing Ratio) or XXX% (Total); Borrower with same Employer/Business for XXX years; Verified Reserves are XXX; Residual Income of $XXX; 0x30 - last 24 months. Acknowledged by client. | 08/21/2022 |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10477 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/19/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10567 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10567 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Credit | All Interested Parties Not Checked against Exclusionary Lists | All Interested Parties Not Checked against Exclusionary Lists. Missing searches for the title company/closing agent on report, please provide. |  |  | All Interested parties were checked and cleared with Exclusionary Lists, exception cleared; All Interested Parties Not Checked against Exclusionary Lists. Per 4.2 section on Guidelines, Exclusionary List reviews are required. | 08/31/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10568 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/22/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 10478 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/19/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of June 1, 2013, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.170%) by 1.5% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.170%) by 2.5% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.170%) by 3.5% or more.; HPML Loan with established escrow and appraisal received.<br> Downgraded to a B |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10478 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/19/2022 | Active | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))<br> Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.<br> While the XXX 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.; HPML Loan with established escrow and appraisal received.<br> Downgraded to a B |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10569 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/20/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.780%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.780%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.780%) by 3.5% or more.; Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; HPML loan with established escrow and appraisal received. Downgraded to a B. | HPML loan with established escrow and appraisal received. Downgraded to a B. |  |  |  | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. C A |
| 10569 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/20/2022 | Cleared | Credit | Fraud Report Shows Uncleared Alerts | Fraud report shows the following alerts that have not been cleared:; 1. Borrower Income is High DTI indicate potential Fraud Risk<br> 2. Borrower Income consistent with historical paterns of Risk<br> 3. XXX - This SSN was not found to in a closed SSN block and therefore may not be issued or has been randomly issued | Received LOX - 1&2 should be rebutted - this is a bank statement loan and Loan Safe comments do not apply to these loans. 3) Social Security was not requested by the UW but there are no indications regarding SSN on credit report - This is just an alert - don't think it should be written up as an exception |  | Alerts from Fraud Report have been cleared. | 08/26/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. C A |
| 10479 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10479 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of June 1, 2013, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.160%) by 1.5% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.160%) by 2.5% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.160%) by 3.5% or more.; HPML loan with established escrow and appraisal received. Downgraded to a B. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10570 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 10570 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 10570 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. | CDA Provided supporting origination value |  | Third Party Valuation Product Provided. | 09/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 10480 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 10480 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Acknowledged | Credit | Unresolved derogatory credit | The fraud report indicates the borrower had a chapter 13 bankruptcy dated in XXX however it was discharged on XX/XX/XXXX. The guidelines, section 5.1 require a 48 month seasoning on bankrtupcies. There has only been 24 months since the bankrtupcy was discharged which does not meet the guidelines; Borrower has unresolved derogatory credit. | Received updated CRSE acknowleding the exception. | 08/25/2022 | Change severity of 'Unresolved derogatory credit' from Material to Non-Material.; Change status of 'Unresolved derogatory credit' from Active to Acknowledged by Client.;<br> Received CRSE - Chapter 13 was XXX years ago, and completed >XXX months ago with no derogatory events since. Also, Item no longer reports as a public record, on Credit Reports. Compensating Factors : Qualifying Credit Score is XXX; No lates since the event; Housing payment decreasing; Residual Income of $XXX. Acknowledged by client. | 08/25/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 10571 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10571 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10481 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of June 1, 2013, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.330%) by 1.5% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.330%) by 2.5% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.330%) by 3.5% or more.; HPML loan with established escrow and appraisal received. Downgraded to a B. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10481 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/20/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10572 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/20/2022 | Active | Compliance | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.880%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.880%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.880%) by 3.5% or more.; | HPML loan with established escrow, and appraisal received |  | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.880%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.880%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.880%) by 3.5% or more. | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.880%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.880%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.880%) by 3.5% or more. | 08/23/2022 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 10572 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/20/2022 | Acknowledged | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. The lender used an expense ratio of XXX%; however, guidelines state the minimum expense ratio used to calculate qualifying income is XXX%. | 08/30/22: Received approved exception for using expense factor of XXX% when minimum guideline expense factor is XXX%. Compensating factors: XXX FICO. XXX%/XXX% DTI. Monthly residual income $XXX. Borrower with same employer/busienss for XXX years. |  | Change severity of 'Borrower Income Verification does not match Approval' from Material to Non-Material.; Change status of 'Borrower Income Verification does not match Approval' from Active to Acknowledged by Client.;<br> 08/30/22: Received approved exception for using expense factor of XXX% when minimum guideline expense factor is XXX%. Compensating factors: XXX FICO. XXX%/XXX% DTI. Monthly residual income $XXX. Borrower with same employer/busienss for XXX years. ; The borrower income verification does not match approval | 08/30/2022 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 10572 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/20/2022 | Cleared | Credit | The appraiser, appraisal company, seller and title company were not checked against the exclusionary lists. | Not required under Portfolio program guidelines |  | Not required under Portfolio program guidelines | Not required under Portfolio program guidelines | 08/25/2022 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 10572 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/20/2022 | Cleared | Credit | Payment shock of XXX exceeds the lender guidelines tolerance for payment shock. Maximum payment shock for first-time homebuyers is 250%. | Payment Shock calculation is incorrct. Per guidelines, XXX% is removed from the initial calculation. Payment Shock on this loan is calculated at XXX%. Exception cleared. |  | Payment shock of 267.11 does not exceed the lender guidelines tolerance for payment shock. | Payment shock of XXX does not exceed the lender guidelines tolerance for payment shock. | 08/29/2022 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 10572 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/20/2022 | Cleared | Credit | Fully Executed Purchase Contract is Missing | The fully executed purchase contract is Missing | 08/30/22: Received fully execute purchase contract. Exception cleared. |  | The fully executed purchase contract is recieved | 08/30/2022 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 10573 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.880%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.880%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.880%) by 3.5% or more. | HPML loan with established escrow and appraisal received.Downgraded to a B.; |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10573 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Acknowledged | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. Guideline Matrix 04/22/2022 requires 12 month seasoning. Title shows borrower purchased property on XX/XX/XXXX and Note Date is XX/XX/XXXX.; Housing delinquency meets guidelines.; Housing history does not meet guidelines. | Received CRSE - Credit:Housing History. Actual -11-month verified; (Bwr Purchased home XX/XXXXX); Requirement - 12-month seasoning required. Compensating Factors : Qualifying Credit Score is XXX; XXX%(Housing Ratio) or XXX%(Total); Qualifying LTV is XXX; Verified Reserves are XXX; Residual Income of $XXX; Borrower with same Employer/Business for 7 years. Acknowledged by client. |  | Change severity of 'Housing history does not meet guidelines' from Material to Non-Material.; Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client.;<br> Received CRSE - Credit:Housing History. Actual - XXX-months verified; (Bwr Purchased home XX/XXXXX); Requiement - XXX-month seasoning required. Compensating Factors: Qualifying Credit Score is XXX; XXX% (Housing Ratio) or XXX%(Total); Qualifying LTV is XXX; Verified Reserves are XXX; Residual Income of $XXX; Borrower with same Employer/Business for XXX years. Acknowledged by client. | 08/25/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10573 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is 999.00. | Per Lender Guidelines, not applicable loan amount is less than $500,000.00. |  | Third Party Valuation Product Provided. | 08/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10573 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Property | Third Party Valuation Product not Provided | Per guides, The loan to value will be based off of the appraised value if:<br> • The property has been owned for less than 12 months, but at least 6 months, and XXX orders a CDA which must acceptably support the appraised value. Missing CDA. ; Third Party Valuation Product not Provided to Support Origination Appraised Value within 10%. | Per Lender Guidelines, not applicable loan amount is less than $500,000.00. |  | Third Party Valuation Product Provided; Change status of 'Third Party Valuation Product not Provided' from Active to Revoked.;<br> Per Lender Guidelines, not applicable loan amount is less than $500,000.00. | 08/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10482 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/20/2022 | Acknowledged | Credit | Underwriting FICO does not meet Guideline Minimum Required | Change status of 'Underwriting FICO does not meet Guideline Minimum Required' from Active to Acknowledged by Client.<br> Client provided guideline exception allowing for FICO of XXX based on compensating factors of low DTI, borrower with same employer/business for XXX years, Verified reserves of XXX months, and qualifying LTV is 50%.; Change severity of 'Underwriting FICO does not meet Guideline Minimum Required' from Material to Non-Material.; Underwriting FICO of XXX is less than the minimum required guideline FICO of 700. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10482 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/20/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10482 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/20/2022 | Cleared | Property | Third Party AVM to appraised value exceeds 10% allowable variance | Third party AVM value of XXX with a variance of -52.67 exceeds 10% allowable variance. |  |  | Additional third party valuation requested to support value. Desk Review was completed after AVM and shows 0.000% variance. | 08/25/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10482 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/20/2022 | Cleared | Property | Third party AVM Confidence Score is less than 80% | Third party AVM Confidence Score of 56.00 is less than 80%. |  |  | Additional third party valuation requested to support value. Desk Review was completed after AVM and shows 0.000% variance. | 08/25/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10482 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/20/2022 | Cleared | Credit | All Interested Parties Not Checked against Exclusionary Lists | All Interested Parties Not Checked against Exclusionary Lists. Missing searches for title company/closing agent on fraud report, please provide. | Not required under Portfolio program guidelines | 08/25/2022 |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10483 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | A |
| 10483 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | A |
| 10484 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXX. B A |
| 10484 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXX. B A |
| 10484 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Acknowledged | Property | Appraisal guideline violation | Appraisal guideline violation: DSCR program- rural property outside GLS; lender approved exception page 913 for rural rental property | Change status of 'Appraisal guideline violation' from Active to Acknowledged by Client.;<br> Approved exception for rural property, which is not allowed under guidelines. Compensating factors: Borrower has been a XXX for XXX years and have a XXX. Per appraiser, demand for rental properties and DSR is greater than 1. XXX months verified reserves, 0x30 last 24 months. | 08/22/2022 |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXX. B A |
| 10485 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has more than X years at current residence - Borrower at current residence XXX years D A C |
| 10485 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Credit | Transmittal Summary is Partial | The transmittal summary is Partial. Per the final CD, School Tax was collected in Escrow. This calculation is not included in the PITI payment on the final 1008 / 1003 / First Payment Letter. Documentation to borrower is required. | Received updated CRSE/1008 and final 1003. School tax was included - exception cleared. | 08/25/2022 | The transmittal summary is Present | 08/25/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years D A C |
| 10574 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. A |
| 10575 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Acknowledged | Credit | Liquid Reserves are less than Guidelines Required | Liquid Reserves are less than Guidelines Required | Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Acknowledged by Client.;<br> Per CRSE - Reserves - XXX months grated approval. Compensating Factors - Qualifying Credit Score is XXX; XXX% (Housing Ratio) or XXX% (Total); Borrower with same Employer/Business for XXX years. Our calculation is XXX due to current Bank Statement balance. |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10575 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10575 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Cleared | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. | Received copy of bank statements with highlighted payments showing 12 months of housing history. Exception cleared. |  | Housing delinquency meets guidelines. | 08/25/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10576 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years C A |
| 10576 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Acknowledged | Credit | Unresolved derogatory credit | Borrower has unresolved derogatory credit. | Change status of 'Unresolved derogatory credit' from Active to Acknowledged by Client.;<br> Change status of 'Unresolved derogatory credit' from Active to Acknowledged by Client.;<br> Client provided guidelines exception allowing $XXX charge off in the last 24 months (per guidelines - no collections in 24 months) based on 26 months verified reserves and 0\*30 - last 24 months | 08/19/2022 |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years C A |
| 10577 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/20/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10577 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/20/2022 | Cleared | Credit | Hazard Insurance Effective Date is after the Note Date | The hazard insurance effective date of XX/XX/XXXX is after the note date of XX/XX/XXXX | 08/30/22; Received email from insurance agent showing that policy has been continally covered since XX/XXXX. Exception cleared. |  | 08/30/22; Received email from insurance agent showing that policy has been continally covered since XX/XXXX. Exception cleared. | 08/30/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10577 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/20/2022 | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is 3.90. | Received Desk Review. Updating loan accordingly. |  | Third Party Valuation Product Provided. | Third Party Valuation Product Provided. | 08/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10577 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/20/2022 | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. | Received Desk Review. Updating loan accordingly. |  | Third Party Valuation Product Provided. | Third Party Valuation Product Provided. | 08/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10577 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/20/2022 | Cleared | Property | Third Party Valuation Product not Provided to Support Origination Appraised Value within 10%. | Received Desk Review. Updating loan accordingly. |  | Third Party Valuation Product Provided | Third Party Valuation Product Provided | 08/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10578 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/22/2022 | Acknowledged | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of 1.00. | Change status of 'DSCR is less than guideline minimum' from Active to Acknowledged by Client.;<br> Client provided guideline exception allowing for XXX FICO of XXX for qualifying to meet DSCR requirement based on compensating factors of verified reserves of XXX months, and 0x30 credit history for the last 24 months. | 08/22/2022 | Client provided guideline exception allowing for XXX FICO of XXX for qualifying to meet DSCR requirement based on compensating factors of verified reserves of XXX months, and 0x30 credit history for the last 24 months. | 08/22/2022 | Verified reserves of XXX months, and XxXX credit history for the last XXX months C B A |
| 10578 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Verified reserves of XXX months, and XxXX credit history for the last XXX months C B A |
| 10486 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10486 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10579 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible.; Per Lender Guidelines, not applicable loan amount is less than $500,000.00. Exception cleared. | Received Desk Review. Updating loan accordingly. |  | Third Party Valuation Product Provided.; Change status of 'Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable.' from Active to Revoked.;<br> ;<br> Per Lender Guidelines, not applicable loan amount is less than $500,000.00; | 08/26/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 10580 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10580 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines.; Previous mortgage history may be documented with 12 month cancelled rent checks. LOE in file that there is no 12 months proof of payments pg 365. | 08/29/22: Received documentation showing that no payments were due for the first year for the previous mortgage. Exception cleared. <br> Can confirm 3 full months of payments on current residence; need additional documentation to support Housing History. |  | Housing delinquency meets guidelines.; Change severity of 'Housing history does not meet guidelines' from Material to Non-Material. | 08/29/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10685 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.160%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.160%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.160%) by 3.5% or more. | Non material, B grade.; Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10685 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Acknowledged | Credit | Housing history does not meet guidelines | Approved Lender Exception (pg 980) for housing history less than 12 months.; Only 11 payments present for the mortgage on credit and 9 months rent history for current primary. XX/XXXX to XX/XXXX borrower lived rent free per LOX. |  |  | Change severity of 'Housing history does not meet guidelines' from Material to Non-Material. | 08/25/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10685 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Property | Origination Appraisal is Partial | The appraisal reflects the subject transaction as a refinance; however, the borrower has not owned the subject for it to be a refinance. It should be listed as a purchase. | Received updated appraisal dated XX/XX/XXXX showing purchase transaction. Exception cleared. |  | Origination appraisal is Present. | 09/22/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10581 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10581 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10582 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10582 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/20/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10583 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Acknowledged | Credit | Liquid Reserves are less than Guidelines Required | The liquid reserves of XXX months or $XXX, are less than the Guidelines minimum required of XXX or $XXX.; Change severity of 'Liquid Reserves are less than Guidelines Required' from Material to Non-Material.; <br> Client provided a guideline exception allowing for 2 months of reserves based on property management history and 0x30x24 mtg history. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. B A |
| 10583 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. B A |
| 10583 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Credit | Fraud Report Shows Uncleared Alerts | Fraud report shows the following alerts that have not been cleared: SSN alert on fraud page 456 and credit report page 318. No documentation in file to show that lender cleared SSN alerts. | Received LOX - The UW goes off the information in the file and Credit Report when a file is underwritten. There were not concerns when reviewing the SSn. Reviewed Credit Report - confirm - no issues. <br> Report shows SSN not verified. Provided screenshots of CR and ID Risk Review. |  | Alerts from Fraud Report have been cleared. | 08/26/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. B A |
| 10487 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/23/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10487 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/23/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10584 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10584 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.160%) by 1.5% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.160%) by 2.5% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.160%) by 3.5% or more.; | HPML Loan with established escrow and appraisal received. Downgraded to a B |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10585 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 10585 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 10585 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is 2.60.; C | CDA Provided supporting origination value |  | Third Party Valuation Product Provided. | 09/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 10585 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. | CDA Provided supporting origination value |  | Third Party Valuation Product Provided. | 09/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 10585 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within 10%.; | CDA Provided supporting origination value |  | Third Party Valuation Product Provided | 09/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 10488 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Credit | Insufficient cash to close. | Insufficient cash to close. | Received Bank Statements for Acct# XXX with all pages included. Exception cleared. | 08/25/2022 | Received Bank Statements for Acct# XXX with all pages included. Exception cleared. | 08/25/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. D A |
| 10488 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Credit | Borrower Income Verification is less than 12 months | Borrower Income Verification is less than 12 months |  |  | DSCR loan, not applicable. Exception cleared. | 08/26/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. D A |
| 10488 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. D A |
| 10488 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial. Initial Disclosures, Title Commitment, Rate Lock, Flood and Fraud Reports reflects incorrect subject property address of XXX. Correct subject property address is XXX. LOE in file is insufficient. | Received updated copies of the documents with XXX listed. LOX also provided showing there was a typo. Exception cleared. | 08/25/2022 | Borrower liabilities verified indicator is Present | 08/26/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. D A |
| 10488 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete: Most recent XXX statement for acct# ending XXX is missing pages 3 and 4. | Received Bank Statements for Acct# XXX with all pages included. Exception cleared. | 08/25/2022 | Received Bank Statements for Acct# XXX with all pages included. Exception cleared. | 08/24/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. D A |
| 10489 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/23/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. B A |
| 10489 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/23/2022 | Acknowledged | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. Client exception approval for ICF borrower does not own primary. Compensation factors: Verified Reserves XXX and Credit history 0x30 last 24 months. | Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client.;<br> Housing history does not meet guidelines. Client exception approval for ICF borrower does not own primary. Compensation factors: Verified Reserves XXX and Credit history 0x30 last 24 months. | 08/23/2022 |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. B A |
| 10490 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10490 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/20/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10586 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10586 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | Transmittal Summary is Partial | The transmittal summary is Partial- Missing the XXX bank statement | Received copy of XXX bank statement. Updating income to reflect this information. Exception cleared. |  | The transmittal summary is Present | 08/27/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10587 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/20/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10588 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.160%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.160%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.160%) by 3.5% or more.; Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; | HPML loan with established escrow and appraisal received. Downgraded to a B |  | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.160%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.160%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.160%) by 3.5% or more. | 08/30/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 10588 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | Final Loan Application is Partial | Final Loan Application is Partial; Employment dates not reflected on Final 1003 (pg 97). | Reviewed copy of CPA letter. The CPA states borrower has been self-employed for XXX years (since XXX). Exception cleared. |  | Final Loan Application is Present | 08/30/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 10588 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | 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. | Consummtion or reimbursement test: Reimbursement amount test: XX/XX/XXXX; Received PCCD with credit to cure. Exceptions cleared. |  | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | 08/30/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 10588 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $5.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; Zero tolerance fee of $5.00 due to increase on Final CD XX/XX/XXXX without a valid COC found in the file.<br>Please provide copy of valid COC | Consummtion or reimbursement test: Reimbursement amount test: XX/XX/XXXX; Received PCCD with credit to cure. Exceptions cleared. |  | This loan passed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that do not exceed the good faith determination according to §1026.19(e)(3)(i).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). | 08/30/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 10588 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $0.00, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $5.00.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. | Consummtion or reimbursement test: Reimbursement amount test: XX/XX/XXXX; Received PCCD with credit to cure. Exceptions cleared. |  | This loan passed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $5.00, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $0.00.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. | 08/30/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 10491 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 10491 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 10589 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.780%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.780%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.780%) by 3.5% or more.; | HPML Loan with established escrow and appraisal received. Downgraded to a B |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | 08/23/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has stable job time - Borrower has XXX years at job. C A |
| 10589 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Cleared | Credit | All Interested Parties Not Checked against Exclusionary Lists | The appraiser, appraisal company and title company were not checked against the exclusionary lists. | Not required under Portfolio program guidelines; |  |  | 08/25/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has stable job time - Borrower has XXX years at job. C A |
| 10589 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Cleared | Credit | OFAC Check was not completed/Cleared. | OFAC Check was not completed/cleared. |  |  | OFAC Check was completed and cleared. | 08/25/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has stable job time - Borrower has XXX years at job. C A |
| 10492 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.160%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.160%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.160%) by 3.5% or more. | HPML loan with establish escrow & appraisal received. downgrade to B; | 08/26/2022 | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.160%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.160%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.160%) by 3.5% or more. | 08/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10492 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial. LOE PG 318 discloses borrowers own 2 other properties (Fraud report showsOwn XXX). Please include in DTI(AND Provide PITIA Documentation) OR provide evidence borrowers no longer own. | Received documentation on XXX. Reviewed - exception cleared. | 08/26/2022 | Borrower liabilities verified indicator is Present | 08/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10492 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | Discount Points increased from $XXX to $XXX, COC in file dated XX/XX/XXXX, no LE or CD in file for XX/XX/XXXX, need evidence a refund was issued or client needs to provide necessary disclosure; 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. | COC is dated XX/XX/XXXX (bottom right hand corner of document) and is the date the client references on their documentation. Updating loan accordingly. | 08/26/2022 | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | 08/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10492 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Cleared | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,350.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; Discount Points increased from $XXX to $XXX, COC in file dated XX/XX/XXXX, no LE or CD in file for XX/XX/XXXX, need evidence a refund was issued or client needs to provide necessary disclosure | COC is dated XX/XX/XXXX (bottom right hand corner of document) and is the date the client references on their documentation. Updating loan accordingly. | 08/26/2022 | This loan passed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that do not exceed the good faith determination according to §1026.19(e)(3)(i).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). | 08/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10492 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Cleared | Compliance | Reimbursement Amount Test | Discount Points increased from $XXX to $XXX, COC in file dated XX/XX/XXXX, no LE or CD in file for XX/XX/XXXX, need evidence a refund was issued or client needs to provide necessary disclosure; This loan failed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $1,350.00.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. | COC is dated XX/XX/XXXX (bottom right hand corner of document) and is the date the client references on their documentation. Updating loan accordingly. | 08/26/2022 | This loan passed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $0.00, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $0.00.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. | 08/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10590 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 10590 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 10590 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is 3.50. | CDA Provided supporting origination value |  | Third Party Valuation Product Provided. | 09/01/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 10590 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. | CDA Provided supporting origination value |  | Third Party Valuation Product Provided. | 09/01/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 10591 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/20/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of June 1, 2013, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.310%) by 1.5% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.310%) by 2.5% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.310%) by 3.5% or more.; | HPML loan with establish escrow & appraisal received. downgrade to B |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXXXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10592 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. A |
| 10592 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. A |
| 10593 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/23/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 10593 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/23/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 10594 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10595 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.160%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.160%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.160%) by 3.5% or more.; | HPML loan with established escrow and appraisal received; Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. |  | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.160%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.160%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.160%) by 3.5% or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days. | 08/25/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10595 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | All Interested Parties Not Checked against Exclusionary Lists | All Interested Parties Not Checked against Exclusionary Lists. Missing search against lists for the appraiser and title company/closing agent on report, please provide. | Not required under Portfolio program guidelines |  |  | 08/25/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10595 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | File missing Initial CD XX/XX/XXXXX; 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. | Received CD w/ corresponding COC dated XX/XX/XXXX. Updating loan accordingly. |  | This loan passed the initial closing disclosure delivery date test.(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 not 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 not 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 not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.The creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation.; 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. | 08/25/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10595 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Compliance | Charges That Cannot Increase Test | File missing Initial CD XX/XX/XXXX, COC in file dated XX/XX/XXXX. Missing increase of discount points from XXX to $XXX | Received CD w/ corresponding COC dated XX/XX/XXXX. Updating loan accordingly. |  | This loan passed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that do not exceed the good faith determination according to §1026.19(e)(3)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $109.31.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). | 08/25/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10595 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Compliance | Reimbursement Amount Test | File missing Initial CD XX/XX/XXXX, COC in file dated XX/XX/XXXX | Received CD w/ corresponding COC dated XX/XX/XXXX. Updating loan accordingly. |  | This loan passed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $0.00, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $0.00.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation.; This loan failed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $45.00, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $109.31.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. | 08/25/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10595 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Compliance | TRID Monitor Timing of Disclosures Finding | TRID Monitor Timing of Disclosures Finding.This loan contains at least one disclosure that fails one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report.While creditors are required to issue disclosures in good faith, the fact that a disclosure was not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation.; File missing Initial CD XX/XX/XXXX | Received CD w/ corresponding COC dated XX/XX/XXXX. Updating loan accordingly. |  | TRID Monitor Timing of Disclosures Finding.This loan contains disclosures that do not fail one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report.While creditors are required to issue disclosures in good faith, the fact that a disclosure was not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation.; TRID Monitor Timing of Disclosures Finding.This loan contains at least one disclosure that fails one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report.While creditors are required to issue disclosures in good faith, the fact that a disclosure was not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. | 08/25/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10493 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial - Please provide PITIA information, and a copy of the Closing Final CD for property XXX. Per LOE page 150 and Final URLA page 68, this is a new loan purchase. | Received PITIA information | 08/26/2022 | Borrower liabilities verified indicator is Present | 08/25/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| 10596 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 10596 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial: Final 1003 shows a property owned at XXX but gives no further information. Missing morgage, taxes insurance and net rental income or loss. | Received LOX - Loan had been changed to a cash out refinance - borrower received cash at closing which can be used for the reserves. Amended rate lock and final CD showing cash out proceeds included. Reviewed CRSE/Approval - Loan updated to Cash-Out Refinance. |  | Borrower liabilities verified indicator is Present | 08/31/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 10596 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Acknowledged | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines.: Guidelines require borrower own a primary residence and borrower is a renter. | Received CRSE - Acknowledging exception |  | Change severity of 'Housing history does not meet guidelines' from Material to Non-Material.; Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client.;<br> Received CRSE - Credit:Housing history requirements not met. Actual Verified - Brw rents. Compensaing Factors : Qualifying LTV is XXX. Acknowledged by client. | 09/06/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 10596 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete:1. Exception to approval. Loan was approved as a rate and term refinance, but Final CD is showing cash out of $XXX. From LE to CD shows an increase of loan amt from \*\*\* to XXX which caused the cash out. Final approvals in file clearly show as a no cash out transaction. 2. Short reserve requirements unless use of cash out. Assets in file are insufficient to cover reserves. NOTE - Exception was granted for use of business account for assets with spouse being 10% owner. (Spouse is not on this loan.) P 516, Granted by XXX on XX/XX/XXXX.. |  |  | The exception 'Asset Documents are Incomplete' is cleared. | 08/31/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 10597 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10597 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10598 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Acknowledged | Credit | Underwriting FICO does not meet Guideline Minimum Required | Underwriting FICO of XXX is less than the minimum required guideline FICO of 700.; <br> Approved Exception for Min Fico of 700 required for Cash out over $300K. Compensating factors: Steady employment for over 5 years, Verified reserves are XXX months and qualifying LTV is XXX%. ; Change severity of 'Underwriting FICO does not meet Guideline Minimum Required' from Non-Material to Material.; Underwriting FICO of XXX is less than the minimum required guideline FICO of 700. The Lender Exception in file acknowledges the borrower's credit score was XXX. This was based on an earlier credit report dated XX/XX/XXX. The Lender did cite compensating factors (pg 526). |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 10598 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible.; Per Lender Guidelines, Not applicable, Loan amount is less than $500,000.00 and CU score is 1.0. Exception cleared. | Third Party Valuation Product not required due to CU Score |  | Third Party Valuation Product not required due to CU Score | 08/25/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 10598 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Cured Post Close | Compliance | Consummation or Reimbursement Date Validation Test | This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. | Received PCCD documents including a refund check ($XXX). Updating loan accordingly. |  | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | 08/27/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 10598 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Cured Post Close | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $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).; Total tolerance of $XXX due to increase of Transfer Taxes. Please provide COC, or post CD and refund to borrower with letter of explanation and proof of delivery. | Received PCCD documents including a refund check ($XXX). Updating loan accordingly. |  | This loan passed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that do not exceed the good faith determination according to §1026.19(e)(3)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $54.50.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).; The loan failed the 0% tolerance due to the increase in Transfer Taxes on the last revised CD issued XX/XX/XXXX. The coc issued XX/XX/XXXX reflects loan amount change but the transfer taxes did not increase on the initial CD issued XX/XX/XXXX. A cost to cure is required in the amount of $XXX. ;<br> Please provide PCCD, LOE, proof of refund and proof of receipt to clear the exception. | 08/27/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 10598 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Cured Post Close | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $0.00, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. | Received PCCD documents including a refund check ($XXX). Updating loan accordingly. |  | This loan passed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $54.50, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $0.00.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation.; This loan passed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $54.50, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $54.50.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. | 08/27/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 10599 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of June 1, 2013, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.310%) by 1.5% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.310%) by 2.5% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.310%) by 3.5% or more.; | HPML loan with established escrows and appraisal requirements met. Downgraded to a B. |  | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.310%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.310%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.310%) by 3.5% or more. | 08/23/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10599 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | Underwriting CLTV exceeds Guideline Maximum Allowable | Exception Granted on 7/19 - XXX% LTV was approved on Quick Calc Report issued on XX/XX/XXXX, prior to the new guidelines of 80%; Underwriting CLTV of XXX is greater than the maximum allowable guideline CLTV of 80.00. | Received LOX - The loan was conditionally approved and locked with matrix dated XX/XX/XXXX (attached) which allowed XXX% LTV on primary residence without an exception as long as DTI stayed XXX/XXX% which the loan does. Reviewed Guidelines, XXX+ FICO scores can have XXX% LTV. Exception cleared. |  | Original CLTV of XXX adheres to the guideline maximum CLTV of XXX. | 08/27/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10599 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | Exception Granted on 7/19 - 90% LTV was approved on Quick Calc Report issued on XX/XX/XXXXX, prior to the new guidelines of 80%. ; Underwriting LTV of 90.00 is greater than the maximum allowable guideline LTV of 80.00 based on a loan amount of XXXXXX and value used for LTV of XXXXXX. | Received LOX - The loan was conditionally approved and locked with matrix dated XX/XX/XXXX (attached) which allowed XXX% LTV on primary residence without an exception as long as DTI stayed XXX/XXX% which the loan does. Reviewed Guidelines, XXX+ FICO scores can have XXX% LTV. Exception cleared. |  | Original LTV of XXX adheres to the guideline maximum LTV of XXX. | 08/27/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10599 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | Property is located in a FEMA disaster area | FEMA declared XXX county in a disaster area (Hurricane) on XX/XX/XXXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. | Received copy of Post Disaster Inspection dated XX/XX/XXXX. Confirmed no damage. Exception cleared. |  | Post disaster inspection confirms no property damage | 08/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10600 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 10600 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 10600 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. | CDA Provided supporting origination value |  | Third Party Valuation Product Provided. | 09/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 10601 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10601 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10602 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Credit | Borrower Income Verification is less than 12 months | Borrower Income Verification of 1.00 is less than 12 months. | DSCR loan - Income Verification is not required. |  | DSCR loan - Income Verification is not required. | 08/24/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 10603 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 10603 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/22/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 10494 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/24/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.310%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.310%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.310%) by 3.5% or more.; | HPML loan with established escrow and appraisal received. Downgraded to a B | 08/26/2022 |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10494 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/24/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10495 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10495 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10604 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10604 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Credit | Hazard Insurance Effective Date is after the Note Date | The hazard insurance effective date of XX/XX/XXXX is after the note date of XX/XX/XXXX | Received copy of HOI Policy. Updating loan accordingly. |  | Copy of Evidence of Insurance Policy provided showing Effective date of XX/XX/XXXX. | 08/24/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10604 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Credit | HAZARD INSURANCE CERTIFICATE MISSING | Missing copy of hazard insurance certificate | Received copy of HOI Policy. Updating loan accordingly. |  | Received copy of hazard insurance certificate | 08/24/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10605 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 10605 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 10605 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible.; | CDA Provided supporting origination value |  | Third Party Valuation Product Provided. | 09/01/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 10496 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/23/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 10496 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/23/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 10497 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. A |
| 10497 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/22/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. A |
| 10606 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10606 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Acknowledged | Property | Appraisal guideline violation | Appraisal guideline violation: non arms length transaction- not allowed per GL, section 4.8; missing excpetion as subject is non-arms length transaction. | Received CRSE - exception granted. |  | Change severity of 'Appraisal guideline violation' from Material to Non-Material.; Change status of 'Appraisal guideline violation' from Active to Acknowledged by Client.;<br> Received CRSE - property: Property Type Ineligible. Actual - Non-Arm's Length Transactions. Exception comments : Appraisal guideline violation - No-Arm's Length transactions > not allowed per GL, section 4.8; missing exceptions as subject is Non-Arm's Length trans. Compensating Factors : Qualifying Credit Score is XXX; XXX% (Housing Ratio) or XXX% (Total); Residual Income of $XXX; Borrower with same Employer/Business for XXX years. Acknowledged by client. | 08/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10607 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years D A |
| 10607 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Credit | All Interested Parties Not Checked against Exclusionary Lists | The appraiser, appraisal company and title company were not checked against the exclusionary lists. |  |  | All Interested parties were checked and cleared with Exclusionary Lists, condition cleared; All Interested Parties Not Checked against Exclusionary Lists: Per 4.2 section on guidelines, Exclusionary List reviews are required. | 08/31/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years D A |
| 10607 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Credit | OFAC Check was not completed/Cleared. | OFAC Check was not completed/cleared. | OFAC Check was completed and cleared. |  | OFAC Check was completed and cleared. | 08/25/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years D A |
| 10607 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. | Received Desk Review. Updating loan accordingly. |  | Third Party Valuation Product Provided.; Per Lender Guidelines, not applicable loan amount is less than $500,000.00. ; Change status of 'Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable.' from Active to Revoked.;<br> Per Lender Guidelines, not applicable loan amount is less than $XXX. | 08/26/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years D A |
| 10607 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Property | Third Party Valuation Product not Provided | Missing TPV for $XXXXXX loan amount with no CU score and FHLMC showing as Not Eligible. Loan is a Cash out refinance with borrower receiving $XXX cash in hand at closing.; Third Party Valuation Product Provided; Third Party Valuation Product not Provided to Support Origination Appraised Value within 10%. | Received Desk Review. Updating loan accordingly. |  | Third Party Valuation Product Provided; Change status of 'Third Party Valuation Product not Provided' from Active to Revoked.;<br> Per Lender Guidelines, not applicable loan amount is less than $XXX. | 08/26/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years D A |
| 10498 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. A |
| 10498 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient | Hazard insurance coverage of XXX is not sufficient. The subject loan amount is XXXXXX with the hazard insurance replacement coverage of No and estimated replacement value of XXX. | The state of XXX enacted a statue effective 5/2021 that does not allow the insurance company to disclose guaranteed replacement coverage or the replacement cost estimator. Exception cleared. | 08/26/2022 | Hazard insurance coverage is XXX, the subject loan amount is XXX with the hazard insurance replacement coverage of Yes and estimated replacement value of XXX. | 08/25/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. A |
| 10608 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.880%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.880%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.880%) by 3.5% or more. | HPML loan with established escrow and appraisal received. Downgraded to a B; |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10608 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Cleared | Credit | Transmittal Summary is Missing | The transmittal summary is Missing | Received final 1008; Verified numbers - Exception cleared. |  | The transmittal summary is Present | 08/24/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10608 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is 4.10. | CDA Provided supporting origination value |  | Third Party Valuation Product Provided. | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10608 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible.; Change status of 'Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable.' from Active to Revoked.<br> Per Lender Guidelines, not applicable loan amount is less than $500,000.00. | CDA Provided supporting origination value |  | Third Party Valuation Product Provided. | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10609 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/22/2022 | Acknowledged | Credit | Property is located in a FEMA disaster area | Property is located in a FEMA disaster area. FEMA declared XXX county in a disaster area (Tropical Storm XXX) on XX/XX/XXXX. Appraisal in file is dated XX/XX/XXXX and shows no damage. | Change status of 'Property is located in a FEMA disaster area' from Active to Acknowledged by Client.;<br> Property is located in a FEMA disaster area. FEMA declared XXX county in a disaster area (Tropical Storm XXX) on XX/XX/XXXX. Appraisal in file is dated XX/XX/XXXX and shows no damage. | 08/22/2022 |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10609 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/22/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10610 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years D A C |
| 10610 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Credit | Fraud Report Shows Uncleared Alerts | Fraud report shows the following alerts that have not been cleared: High Alerts for Third Party to be cleared. Other high alerts cleared with docs in file. Borrower identity verified / REOs accounted for on 1003 and credit report / Loan amount met program guidelines / Property value supported by appraisal and Eligible Collateral R & W Relief. | DSCR loan - full calculation of all REO properties including Lease Agreements is not a requirement. Updated 1003 was provided - but shows the property will ultimately provide income - which is not utilized in a DSCR loan. Exception cleared. |  | Alerts from Fraud Report have been cleared. | 09/07/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years D A C |
| 10610 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Credit | Final Loan Application is Partial | Final Loan Application is Partial; Please provide a completed final 1003 with all REO rental income/PITIA for XXX. Required for DSCR Program. | DSCR loan - full calculation of all REO properties including Lease Agreements is not a requirement. Updated 1003 was provided - but shows the property will ultimately provide income - which is not utilized in a DSCR loan. Exception cleared. <br> Received updated unsigned Final 1003. Final 1003 nees to be executed. Condition stands. |  | Final Loan Application is Present; 08/26/22: Received updated unsigned Final 1003. Final 1003 nees to be executed. Condition stands. | 09/07/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years D A C |
| 10610 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Provided.; Third Party Valuation Product Not Provided and CU Score is 2.60.; FHLMC Rep & Warrant is Eligible. | Third Party Valuation Product not required due to R&W eligibility |  | Third Party Valuation Product not required due to R&W eligibility | 08/25/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years D A C |
| 10611 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/20/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10611 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10612 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/20/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10612 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/20/2022 | Cleared | Credit | Property is located in a FEMA disaster area | FEMA declared XXX county in a disaster area (Hurricanes) on XX/XX/XXXX, with a release date of XX/XX/XXXX The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. | Received PDI, no damage report. Exception cleared. |  | Post disaster inspection confirms no property damage, Disaster dated XXX, PDI dated XX/XX/XXXX | 08/30/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10499 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10499 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10613 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10613 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10614 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10615 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years D A |
| 10615 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Per Lender Guidelines, not applicable loan amount is less than $500,000.00. Exception cleared.; Third Party Valuation Product Not Provided and CU Score is 3.80. | Received Desk Review. Updating loan accordingly. |  | Third Party Valuation Product Provided. | 08/26/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years D A |
| 10615 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Per Lender Guidelines, not applicable loan amount is less than $500,000.00. Exception cleared.; Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. | Received Desk Review. Updating loan accordingly. |  | Third Party Valuation Product Provided. | 08/26/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years D A |
| 10615 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Property | Third Party Valuation Product not Provided | Per Lender Guidelines, not applicable loan amount is less than $500,000.00. Exception cleared.; Third Party Valuation Product not Provided to Support Origination Appraised Value within 10%. | Received Desk Review. Updating loan accordingly. |  | Third Party Valuation Product Provided | 08/26/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years D A |
| 10616 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Acknowledged | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | Underwriting LTV of 69.020 is greater than the maximum allowable guideline LTV of 60.00 based on a loan amount of XXXXXX and value used for LTV of XXXXXX. | Change status of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.;<br> Client provided a guideline exception allowing for 69.02% LTV based on delayed financing transaction. | 08/22/2022 |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10616 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Acknowledged | Credit | Cash to Borrower Exceeds Maximum Allowable | Change status of 'Cash to Borrower Exceeds Maximum Allowable' from Active to Acknowledged by Client.;<br> Cash to borrower exceeds maximum allowable. Client provided a guideline exception allowing for cash out of $XXX based on delayed financing transaction. | Change status of 'Cash to Borrower Exceeds Maximum Allowable' from Active to Acknowledged by Client.;<br> Cash to borrower exceeds maximum allowable. Client provided a guideline exception allowing for cash out of $XXX based on delayed financing transaction. | 08/22/2022 |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10616 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/20/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10616 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Acknowledged | Credit | Underwriting CLTV exceeds Guideline Maximum Allowable | Underwriting CLTV of 69.02 is greater than the maximum allowable guideline CLTV of 60.00. | Change status of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.;<br> Client provided a guideline exception allowing for 69.02% LTV based on delayed financing transaction. | 08/22/2022 |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10617 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/23/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10617 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/22/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10618 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10618 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. Bank Statement Quick Calc does not match the lenders 1008. Please update the B/S Quick Calc with a 50% expense ratio, or the 1008 with a 70% expense ratio. | Received updated 1008 and Income Calc showing Income Calculation at 70%. Exception cleared. |  | The borrower income verification does match approval | 08/24/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10619 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 10619 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Credit | Property is located in a FEMA disaster area | Property is located in a FEMA disaster area with no post disaster inpection. Origination appraisal effective XX/XX/XXXX, prior to XXX Tropical Storm XXX incident. Consummation occurred after the incident period of XX/XX/XXXX - XX/XX/XXXX with no post disaster inspection. | Received copy of Post Disaster Inspection dated XX/XX/XXXX. Confirmed no damage. Exception cleared. |  | Post disaster inspection confirms no property damage; Property is located in a FEMA disaster area with no post disaster inpection; Post disaster inspection confirms no property damage... FEMA disaster end date a year prior to effective date of appraisal. | 08/25/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 10619 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Property | Property located in FEMA Declared Disaster Area with no subsequent Property Inspection | Property located in FEMA Declared Disaster Area with no subsequent Property Inspection. Property is located in a FEMA disaster area with no post disaster inpection. Origination appraisal effective XX/XX/XXXX, prior to XXX Tropical Storm XXX incident. Consummation occurred after the incident period of XX/XX/XXXX - XX/XX/XXXX with no post disaster inspection. | Received copy of Post Disaster Inspection dated XX/XX/XXXX. Confirmed no damage. Exception cleared. |  | Post Disaster Inspection provided... FEMA disaster end date a year prior to effective date of appraisal. | 08/25/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 10500 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/20/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10500 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/20/2022 | Cleared | Credit | Borrower Employment Verification does not meet guidelines | File is missing CPA letter confirming BR's ownership percentage for XXX LLC. LOE in file page 516 from Borrower cannot satisfy this requirement.<br> File does contain a CPA letter for Borrower's 2nd business, XXX, page 512.<br> Due Diligence Firm is missing XXX Bank Statement Matrix Dated XX/XX/XXXX. Most recent Matrix applied to this file is dated XX/XX/XXXX, which requires CPA letter to confirm percentage of ownership. Please provide CPA letter and/or updated Matrix. | Received LOX and copy of Articles of Incorporation for XXX. CPA Letter was provided for 2nd business - XXX. Exception cleared. | 08/26/2022 | Received LOX and copy of Articles of Incorporation for XXX. CPA Letter was provided for 2nd business - XXX. Exception cleared. | 08/24/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10620 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations.<br> ; The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10501 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations.<br> ; The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXX. A |
| 10501 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXX. A |
| 10621 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. D A |
| 10621 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. D A |
| 10621 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible.; | CDA Provided supporting origination value |  | Third Party Valuation Product Provided. | 09/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. D A |
| 10622 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/22/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10622 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/23/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10502 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/22/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10623 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible.; Per Lender Guidelines, not applicable loan amount is less than $500,000.00. Exception cleared. | CDA Provided supporting origination value |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 10623 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 10623 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Credit | Hazard Insurance Indicator is Partial | Hazard insurance indicator is Partial. Binder presented in lieu of commitment or declaration of insurance for subject. | The state of XXX enacted a statue effective 5/2021 that does not allow the insurance company to disclose guaranteed replacement coverage or the replacement cost estimator. Exception cleared. |  | Hazard insurance indicator is Present | 08/31/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 10623 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | The State of XXX enacted a statute effective 5/2021 that does not allow the insurance company to disclose guaranteed replacement coverage or the replacement cost estimator. Exception cleared.; Hazard insurance coverage is sufficient. Loan amount is $XXXXXX, HOI binder (not full policy) shows dwelling coverage of $200k with replacement cost value, however, the file does not contain a replacement cost estimator. The binder does not account for any extended coverage nor does it cover "guaranteed replacement" therefore, more documentation and/or coverage is required. | The state of XXX enacted a statue effective 5/2021 that does not allow the insurance company to disclose guaranteed replacement coverage or the replacement cost estimator. Exception cleared. |  | Hazard insurance coverage is sufficient. | 08/31/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 10623 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible.; | CDA Provided supporting origination value |  | Third Party Valuation Product Provided. | 08/26/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 10623 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within 10%. | CDA Provided supporting origination value |  | Third Party Valuation Product Provided | 08/26/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 10503 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10503 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/20/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of June 1, 2013, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.860%) by 1.5% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.860%) by 2.5% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.860%) by 3.5% or more.; | HPML Loan with established escrow and appraisal received. | 08/26/2022 |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10624 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | downgraded to a B |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10624 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10625 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXX. D A |
| 10625 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXX. D A |
| 10625 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within 10%.; Per Lender Guidelines, not applicable loan amount is less than $500,000.00. Exception cleared. | Received Desk Review. Updating loan accordingly. |  | Third Party Valuation Product Provided | 08/26/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXX. D A |
| 10626 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/22/2022 | Acknowledged | Credit | Liquid Reserves are less than Guidelines Required | Liquid Reserves are less than Guidelines Required | Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Acknowledged by Client.;<br> Client provided guidelines exception allowing less than guidelines required reserves based on credit history of 0\*30 - last 24 months and FICO score of XXX. | 08/22/2022 |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10626 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10627 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/22/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10627 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10504 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Cleared | Compliance | No Compliance Findings | The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10504 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10628 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10628 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial; Final 1003 shows subject property as the borrower's primary address, which she has rented for 1 mo. The subject is a small SFR. The insurance policy in file is not a landlord's policy. There is no other address in file that will become the borrower's primary residence. As a result, the occupancy is in question, the housing history is inadequate, and the primary housing expense is incomplete. - XX/XX/XXXX (XXX) | Received LOX - Borrower LOX in file stating application in error and subject will an investment property. Subject is correctly coded as investment and borrwoer has indicated that will not occupy. Reviewed LOX - exception cleared. |  | Borrower liabilities verified indicator is Present | 08/29/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10628 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines.; Final 1003 shows subject property as the borrower's primary address, which she has rented for 1 mo. The subject is a small SFR. The insurance policy in file is not a landlord's policy. There is no other address in file that will become the borrower's primary residence. As a result, the occupancy is in question, the housing history is inadequate, and the primary housing expense is incomplete. - XX/XX/XXXX (XXX) | Received LOX - Borrower LOX in file stating application in error and subject will an investment property. Subject is correctly coded as investment and borrwoer has indicated that will not occupy. Reviewed LOX - exception cleared. |  | Housing delinquency meets guidelines. | 08/29/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10628 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Credit | Occupancy Status | Final 1003 shows subject property as the borrower's primary address, which she has rented for 1 mo. The subject is a small SFR. The insurance policy in file is not a landlord's policy. There is no other address in file that will become the borrower's primary residence. As a result, the occupancy is in question, the housing history is inadequate, and the primary housing expense is incomplete. - XX/XX/XXXX (XXX); The intent and/or status of the borrower's occupancy is not supported in the file. | Received LOX - Borrower LOX in file stating application in error and subject will an investment property. Subject is correctly coded as investment and borrwoer has indicated that will not occupy. Reviewed LOX - exception cleared. |  | Occupancy is supported by documentation provided in the loan file. | 08/23/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10629 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.860%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.860%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.860%) by 3.5% or more.; Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; | HPML Loan with establish escrow and appraisal received. downgraded to a B. |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 10629 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Received copy of SiteX Report for XXX is owned by LLC (vesting-Company). Removing from calculation - exception cleared. <br> Borrower liabilities verified indicator is Partial- REO property not sold and retained: XXX missing final CD to verify PITIA from refinance see page 7 $XXX new loan to XXX. See LOE page 18 and refinance CD page 7. | LOX showing XXX address was vacant land. Unfortunately, HUD Settlement Statement in file shows XXX was refinanced and funds used were to close on Subject Property. |  | Borrower liabilities verified indicator is Present | 08/26/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 10629 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Acknowledged | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | Qualifying DTI of XXX exceeds guideline maximum of 50.00. | Received CRSE - exception acknowledged. |  | Change severity of 'Qualifying DTI exceeds Guideline Maximum Allowable' from Material to Non-Material. | 08/26/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 10505 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of June 1, 2013, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.860%) by 1.5% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.860%) by 2.5% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.860%) by 3.5% or more.; | HPML Loan with established escrow and appraisal received. Downgraded to a B. | 08/26/2022 |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10505 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is 4.00. | Received Desk Review. Updating loan accordingly. | 08/26/2022 | Third Party Valuation Product Provided. | 08/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10505 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. | Received Desk Review. Updating loan accordingly. | 08/26/2022 | Third Party Valuation Product Provided. | 08/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10505 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within 10%. | Received Desk Review. Updating loan accordingly. | 08/26/2022 | Third Party Valuation Product Provided | 08/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10630 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Acknowledged | Credit | Minimum Trade Line Requirement Not Met | Borrower(s) have not met the minimum tradeline requirement per lender guidelines. Per GL 3 tradelines reporting 12 months or more- actual: 2 tradelines reporting 1 X 33 months and 1X 8 months; lender approved minimum trade lines exception page 390. |  |  | Change severity of 'Minimum Trade Line Requirement Not Met' from Material to Non-Material. | 08/22/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. D B A |
| 10630 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Credit | Final Loan Application is Missing | Final loan application is Missing; Final loan application is Present | Copy of fully executed final loan application received. Exception cleared. |  | Final loan application is Present | 08/25/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. D B A |
| 10630 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage is sufficient.; Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXXXXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided. | The state of XXX enacted a statue effective XX/XXXX that does not allow the insurance company to disclose guaranteed replacement coverage or the replacement cost estimator. Exception cleared. |  | Hazard insurance coverage is sufficient. | 08/25/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. D B A |
| 10630 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Compliance | Security Instrument Indicator is Missing | The security instrument indicator is Missing | Copy of executed Mortgage received. Exception cleared. |  | The security instrument indicator is Present | 08/25/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. D B A |
| 10630 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. | CDA Provided supporting origination value |  | Third Party Valuation Product Provided. | 09/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. D B A |
| 10506 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/23/2022 | Acknowledged | Credit | Cash to Borrower Exceeds Maximum Allowable | Cash to borrower exceeds maximum allowable. Guideline maximum amount to borrower is: | Change status of 'Cash to Borrower Exceeds Maximum Allowable' from Active to Acknowledged by Client.;<br> Client provided a guideline exception allowing for cash out exceeding $500K. Verified reserves are XXX months, Credit History 0x30 - last 24 months, Qualifying LTV is XXX. | 08/23/2022 |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. A |
| 10506 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/23/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. A |
| 10507 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. A |
| 10507 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. A |
| 10631 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years D A |
| 10631 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years D A |
| 10631 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is 4.10.; | CDA Provided supporting origination value |  | Third Party Valuation Product Provided. | 09/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years D A |
| 10631 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. | CDA Provided supporting origination value |  | Third Party Valuation Product Provided. | 09/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years D A |
| 10631 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within 10%.; CU score is 4.1, which requires a Third Party Valuation | CDA Provided supporting origination value |  | Third Party Valuation Product Provided | 09/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years D A |
| 10632 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Acknowledged | Credit | Property is located in a FEMA disaster area | Property is located in a FEMA disaster area. FEMA declared XXX county in a disaster area (XXX) on XX/XX/XXXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. ; Appraisal in file is dated post disaster. Exception downgraded to Non-Material. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10632 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/20/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of June 1, 2013, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.860%) by 1.5% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.860%) by 2.5% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.860%) by 3.5% or more.; | HPML Compliant; Escrow and appraisal requirements met; Downgraded to B |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10633 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10633 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10634 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10634 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is 3.50. | Received Desk Review. Updating loan accordingly. |  | Third Party Valuation Product Provided. | 08/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10634 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. | Received Desk Review. Updating loan accordingly. |  | Third Party Valuation Product Provided. | 08/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10635 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. A |
| 10635 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. A |
| 10636 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/20/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10636 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10508 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10508 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of June 1, 2013, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.580%) by 1.5% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.580%) by 2.5% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.580%) by 3.5% or more.; | HPML with established escrows and appraisal requirements met. | 08/26/2022 |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10637 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.780%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.780%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.780%) by 3.5% or more.; Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | HPML exception downgraded to B. Borrower was provided copy of Appraisal, received Right to Appraisal doc and IEAD set up.; |  | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.780%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.780%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.780%) by 3.5% or more. | 08/23/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. D B A |
| 10637 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Cleared | Credit | Initial Credit Application is Partial | Initial credit application is Partial. The file is missing an initial 1003 signed and dated by the co-borrower XXX. |  |  | Initial credit application is Present | 08/24/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. D B A |
| 10638 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years at job. C A |
| 10638 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Acknowledged | Property | Appraisal guideline violation | Appraisal guideline violation: Client provided a gudieline exception allowing for 85%. Comp factors: qualifying credit score is XXX, housing XXX% total DTI XXX%, Brw with same employer/business for 10 yrs, monthly housing payment is changing by $XXX monthly, Residual income of $XXX. |  |  | Change status of 'Appraisal guideline violation' from Active to Acknowledged by Client.;<br> Client provided exception; Change severity of 'Appraisal guideline violation' from Material to Non-Material. | 08/29/2022 | Borrower has stable job time - Borrower has XXX years at job. C A |
| 10639 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10639 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10509 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10509 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10510 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10510 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10640 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10640 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/20/2022 | Active | Compliance | XXX Higher-Priced Mortgage Loan Finding | This loan is a higher-priced mortgage loan. (XXX XXX 09.03.06.02B(13) , XXX 09.03.09.02B(6))<br> The loan is a higher-priced mortgage loan as defined in the Code of XXX Regulations (XXX) due the following findings:<br> The loan is a closed-end loan with a closing date, or date creditor received application (formerly application date) if closing date is unknown, on or after the effective date of 02/02/2009; and The loan is a first lien and the APR exceeds the Average Prime Offer Rate (5.880%) by 1.5% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.880%) by 3.5% or more.<br> For information on higher-priced mortgage loans, please see the XXX XXX Higher-Priced Mortgage Loan Alerts below. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10511 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10511 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Acknowledged | Credit | Payment shock exceeds lender guidelines | Payment shock of XXX exceeds the lender guidelines tolerance for payment shock. ; The lender approved the exception for the payment shock exceeding 350%, however their calculated and approved percentage of 351% does not approach the actual value of XXX%. The lender cited XXX months reserves, residual income of $XXX/mo, XXX FICO and XXX% DTI as compensating factors. | Re-calculated Payment Shock using Fully Indexed Rate - Payment Shock amount is in-line. Acknowledged by client. | 08/26/2022 | Change severity of 'Payment shock exceeds lender guidelines' from Material to Non-Material.; Change status of 'Payment shock exceeds lender guidelines' from Active to Acknowledged by Client.;<br> Note "other" rate was not calculated properly. Conducted manual payment Shock and outlined it below: ;<br> ;<br> $XXX / $XXX = XXX%. Per guidelines, we drop the calculation by 1 point. XXX%., Per CRSE - Exception type: Payment Shock. Guideline - Maximum Payment Shock: XXX%; Actual- Payment Shock-XXX. Rationale - Borrower has paid over XXX years on current mortgage - Payment shock XXX% (Slightly over XXX% program requirement). Compensating Factors : Qualifying Credit Score is XXX;l XXX% (Housing Ratio) or XXX% (Total); Borrower with same Employer/Business for XXX years; Verified Reserves are XXX; Residual Income of $XXX; 0x30-last XXX months. Acknowledged by client. | 08/25/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10511 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Property | Third Party Valuation Product not Provided. | Third Party Valuation Product not Provided to Support Origination Appraised Value within 10%. |  |  | Third Party Valuation Product Provided | 08/25/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10512 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10512 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10513 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Acknowledged | Credit | Underwriting CLTV exceeds Guideline Maximum Allowable | Underwriting CLTV of XXX is greater than the maximum allowable guideline CLTV of 80.00. | Change status of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.;<br> Client provided a guideline exception allowing for LTV over 80% based on closing under old GLs. FICO XXX, XXX years employed, residual income $XXX, 0x30 lates. | 08/23/2022 |  |  | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XXX years at job. C A |
| 10513 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Acknowledged | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | Qualifying DTI of XXX exceeds guideline maximum of 45.00. | Change status of 'Qualifying DTI exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.;<br> Client provided a guideline exception allowing for DTI over 45% based on FICO XXX, XXX years employed, residual income $XXX, 0x30 lates. | 08/23/2022 |  |  | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XXX years at job. C A |
| 10513 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of June 1, 2013, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.880%) by 1.5% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.880%) by 2.5% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.880%) by 3.5% or more.; | HPML loan with established escrow and appraisal received | 08/26/2022 |  |  | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XXX years at job. C A |
| 10513 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Acknowledged | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | Underwriting LTV of XXX is greater than the maximum allowable guideline LTV of 80.00 based on a loan amount of XXXXXX and value used for LTV of XXXXXX.; Underwriting LTV of XXX is greater than the maximum allowable guideline LTV of 80.00 based on a loan amount of XXXXXX and value used for LTV of XXXXXX. | Change status of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.;<br> Client provided a guideline exception allowing for LTV over 80% based on closing under old GLs. FICO XXX, XXX years employed, residual income $XXX, 0x30 lates. | 08/23/2022 |  |  | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XXX years at job. C A |
| 10514 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | Borrower 2 Income Verification is less than 12 months | Borrower 2 Income Verification is less than 12 months | Documentation provided | 08/25/2022 | Exception resolved | 08/25/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10514 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of June 1, 2013, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.780%) by 1.5% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.780%) by 2.5% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.780%) by 3.5% or more.; | HPML Loan with established escrow and appraisal received. Downgraded to a B. | 08/26/2022 |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10641 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Property | Appraisal guideline violation | Appraisal guideline violation: ; Non-arms length transaction. Ineligible per guidelines The borrower is the broker and Loan Originator | Received correction for Originator. The borrower name had been entered in error. Client provided NMLS license status as well |  | Appraisal guideline violation is now acceptable. 08/31/22; Received correction for Originator. The borrower name had been entered in error. Client provided NMLS license status as well. | 08/31/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10641 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Acknowledged | Credit | Underwriting FICO does not meet Guideline Minimum Required | Underwriting FICO of XXX is less than the minimum required guideline FICO of 700.; DSCR = XXX. Per investor matrix, No DSCR (DSCR <0.85) requires minimum FICO of 700. Lender approved exception pg 735. |  |  | Change severity of 'Underwriting FICO does not meet Guideline Minimum Required' from Material to Non-Material.; Change status of 'Underwriting FICO does not meet Guideline Minimum Required' from Active to Acknowledged by Client.;<br> Client provided a guideline exception allowing minimum fico of XXX for DSCR. Comp factors: verified reserves of XXX, 0x30 last 24 months, qualifying LTV XXX%. | 08/22/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10641 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient | Hazard insurance coverage of XXX is not sufficient. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value of XXX. | 08/31/22; Received new RCE and hazard insurance coverage was increased to cure. Exceptions cleared. |  | Hazard insurance coverage is XXX, the subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value of XXX. | 08/31/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10641 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Compliance | Originator NMLS Status is Not Found | The originator XXX NMLS status is Not Found. | Received correction for Originator. The borrower name had been entered in error. Client provided NMLS license status as well |  | The originator NMLS status is Active | 08/31/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10642 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10642 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Credit | Fraud Report Shows Uncleared Alerts | Fraud report shows the following alerts that have not been cleared: The borrower is a possible match on SAM.gov. Please provide copy of SAM.gov search. | Received copy of SAM.gov search. Exception cleared. |  | Alerts from Fraud Report have been cleared. | 08/25/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10642 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Acknowledged | Credit | Note Document Indicator is Partial | Note document indicator is Partial. The Note indicates an Interest Only loan, however, according to the lender's guideline/matrix, Interest Only product is not permitted for investment properties. Additional conditions may apply. | Received CRSE - Acknowledging Exception. |  | Change severity of 'Note Document Indicator is Partial' from Material to Non-Material.; Change status of 'Note Document Indicator is Partial' from Active to Acknowledged by Client.;<br> Per CRSE - Other-Program. Guideline: I/O on OO & Second; Actual - I/O on Investment. Rationale - Approved by Regional Sales VP of Sales to go I/O per salesforce notes. Compensating Factors : Qualifying Credit Score is XXX; XXX% (Housing) // XXX% (Total); Borr with employer for XXX+ years; Payment decreasing by XXX; Reserves of XXX months; Residual Income of $XXX. Acknowledged by client. | 09/06/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10643 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Compliance | Security Instrument Indicator is Partial | Mortgage was signed by borrower on XX/XX/XXXX, however notary date is XX/XX/XXXX. | Received copy of Scriviner's Affidavit fixing the notary date issue. Document was submitted for recording. Exception cleared. <br> Received LOX from client. The notary put in a typo on the dated document was notarized - XX/XX/XXXX instead of XX/XX/XXXX. I spoke with the title company, and they checked with their underwriter, they feel a Scrivener's Affidavit to correct the notary type. A copy of the Scrivener's Affidavit is attached. Advised signed Scrivener's Affidavit with confirmation of document to be sent to record will suffice. |  | The security instrument indicator is Present; Received LOX from client. The notary put in a typo on the dated document was notarized - XX/XX/XXXX instead of XX/XX/XXXX. I spoke with the title ocmpany, and they checked with their underwriter, they feel a Scrivener's Affidavit to correct the notary type. A copy of the Scrivener's Affidavit is attached. Advised signed Scrivener's Affidavit with confirmation of document to be sent to record will suffice. | 08/31/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A C |
| 10643 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible.; | CDA Provided supporting origination value |  | Third Party Valuation Product Provided. | 09/01/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A C |
| 10515 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10515 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/22/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10644 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 10644 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines.; The exception 'No Credit Findings' is cleared. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 10644 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. | CDA Provided supporting origination value |  | Third Party Valuation Product Provided. | 09/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 10686 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.880%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.880%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.880%) by 3.5% or more. | Escrows and Appraisal requirements met. ; |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years C A |
| 10686 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Acknowledged | Credit | Borrower Income Verification does not match Approval | Miising a copy of the Divorce Decree/evidencing of child support in the amount if $XXX monthly, showing at least a 3 year continuance. |  |  | Change severity of 'Borrower Income Verification does not match Approval' from Material to Non-Material. | 08/30/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years C A |
| 10686 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Acknowledged | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | Qualifying DTI of XXX exceeds guideline maximum of 45.00.; Documentation provided to support Qualifying DTI below 45.00.; Qualifying DTI of XXX exceeds guideline maximum of 45.00. |  |  | Change severity of 'Qualifying DTI exceeds Guideline Maximum Allowable' from Material to Non-Material.; Change status of 'Qualifying DTI exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.;<br> 08/31/22: Received approved CRSE exception for DTI to exceed XXX% at XXX% after removal of child support income from qualification. Compensating factors: XXX% housing DTI, Borrower with employer for XXX+ years. XXX months reserves. ; Qualifying DTI of XXX exceeds guideline maximum of XXX. | 09/08/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years C A |
| 10645 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of June 1, 2013, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.880%) by 1.5% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.880%) by 2.5% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.880%) by 3.5% or more.; | HPML Informational. Escrows and Appraisal requirements met. |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10645 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10646 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Acknowledged | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | Underwriting LTV of XXX is greater than the maximum allowable guideline LTV of 80.00 based on a loan amount of XXXXXX and value used for LTV of XXXXXX. | Change status of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.;<br> Lender approved the LTV/CLTV exception because the loan was locked prior to the g/l change | 08/22/2022 |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10646 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of June 1, 2013, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.880%) by 1.5% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.880%) by 2.5% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.880%) by 3.5% or more.; | HPML loan with establish escrow & appraisal received. Downgrade to B |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10646 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Acknowledged | Credit | Underwriting CLTV exceeds Guideline Maximum Allowable | Underwriting CLTV of XXX is greater than the maximum allowable guideline CLTV of 80.00. | Change status of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.;<br> Lender approved the LTV/CLTV exception because the loan was locked prior to the g/l change | 08/22/2022 |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10647 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.780%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.780%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.780%) by 3.5% or more.; | HPML Loan with established escrow and appraisal received. Downgraded to a B; Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. |  | Duplicate | 08/23/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10647 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXXXXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided. | The state of XXX enacted a statue effective XX/XXXX that does not allow the insurance company to disclose guaranteed replacement coverage or the replacement cost estimator. Exception cleared. |  | Hazard insurance coverage is sufficient. | 08/24/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10648 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of June 1, 2013, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.880%) by 1.5% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.880%) by 2.5% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.880%) by 3.5% or more.; | HPML Loan with established escrow and appraisal received. |  | Re-ran CE | 08/23/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10648 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | Signed 4506t is missing | Borrower 1 missing signed 4506t | Received LOX - Per guidelines, Bank Statement Program does not require 4506T documents to be signed/completed. |  | Signed 4506t proviided. | 08/29/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10649 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10649 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Acknowledged | Credit | Borrower Income Verification does not match Approval | Loan is missing lease documents for all properties and supporting documents for XXX; The borrower income verification does not match approval | Received CRSE - acknowledging exception. |  | Change severity of 'Borrower Income Verification does not match Approval' from Material to Non-Material.; Change status of 'Borrower Income Verification does not match Approval' from Active to Acknowledged by Client.;<br> Received CRSE - DTI: Housing Ratio > maximum allowed. Actual - XXX% - Comments : Qualifying DTI of XXX% exceeds guideline maximum of XXX%. Missing Lease for XXX. Compensating Factors : Qualifying Credit Score is XXX; Verified Reservews are XXX; Borrower with same Employer/Business for XXX years. Acknowledged by Client. | 08/26/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10649 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Acknowledged | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | Loan is missing lease documents for all properties and supporting documents for XXX; Qualifying DTI of XXX exceeds guideline maximum of 50.00. | Received CRSE - acknowledging exception. |  | Change severity of 'Qualifying DTI exceeds Guideline Maximum Allowable' from Material to Non-Material.; Change status of 'Qualifying DTI exceeds Guideline Maximum Allowable' from Rejected by Client to Acknowledged by Client.;<br> Received CRSE - DTI: Housing Ratio > maximum allowed. Actual - XXX% - Comments : Qualifying DTI of XXX% exceeds guideline maximum of XXX%. Missing Lease for XXX. Compensating Factors : Qualifying Credit Score is XXX; Verified Reservews are XXX; Borrower with same Employer/Business for XXX years. Acknowledged by Client. | 08/26/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10650 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 10650 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | CU Score on 7/7/2022 was 1.0. On 8/4/2022 the CU Score was revised to 2.6. FHLMC R&W relief is not eligible. TPV is required.; Third Party Valuation Product Not Provided and CU Score is 2.60. | Third Party Valuation Product not required due to CU Score |  | Third Party Valuation Product not required due to CU Score | 08/25/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 10650 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible.; CU Score on 7/7/2022 was 1.0. On 8/4/2022 the CU Score was revised to 2.6. FHLMC R&W relief is not eligible. TPV is required. | Third Party Valuation Product not required due to CU Score |  | Third Party Valuation Product not required due to CU Score | 08/25/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 10651 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/20/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10651 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/20/2022 | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial; Missing taxes, insurance and HOA on primary. Missing confirmation of new mtg payments with XXX for XXX. and 585 XXX. | Received calculations with supporting documents for all REO properties and primary. Calculations were updated. Exception cleared. |  | Borrower liabilities verified indicator is Present | 08/25/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10651 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/20/2022 | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | Replacement cost per the appraisal is $XXX. The insurer did not provide an RCE, and the HOI does not have an extension provision. The hazard coverage is inadequate. | The state of XXX enacted a statue effective XX/XXXX that does not allow the insurance company to disclose guaranteed replacement coverage or the replacement cost estimator. Exception cleared. |  | Hazard insurance coverage is sufficient. | 08/25/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10652 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10652 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10653 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10653 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. Loan approved as a 24-month business bank statement loan. Only 12 lmonths of business bank statements were utilized, and the qualifying income was not taken from the bank statement analysis. | Received updated CRSE showing income was based on 12 Month Business Bank Statements. The income calculated on the 1008/CRSE is a more conservative amount. Exception cleared. |  | The borrower income verification does match approval | 08/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10654 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. A |
| 10654 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. A |
| 10655 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of June 1, 2013, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.880%) by 1.5% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.880%) by 2.5% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.880%) by 3.5% or more.; | HPML loan with established escrow and appraisal received |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10655 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10656 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/22/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 10656 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/23/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 10657 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10657 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10516 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XXX years at job. C A |
| 10516 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX meets guideline requirement.; Qualifying DSCR of XXX is less than guideline minimum requirement of 1.00.; Qualifying DSCR of XXX is less than guideline minimum requirement of 1.15. | 8/26/22: Received updated guidelines for June 2022. DSCR ratios now work. | 08/26/2022 | Qualifying DSCR of XXX meets guideline requirement. | 08/26/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XXX years at job. C A |
| 10517 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/23/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10517 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/23/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10518 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10518 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/20/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of June 1, 2013, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.880%) by 1.5% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.880%) by 2.5% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.880%) by 3.5% or more.; | Escrow account established and appraisal receipt acknowledged within 3 days. | 08/26/2022 |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10519 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 10519 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/22/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 10520 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10520 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10658 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | QCInProgress | 08/23/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 10658 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | QCInProgress | 08/23/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 10521 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 10521 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within 10%. | Received Desk Review. Updating loan accordingly. | 08/26/2022 | . | 08/23/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 10521 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Property | Third Party Valuation Product not Provided. | Third Party Valuation Product not Provided to Support Origination Appraised Value within 10%.; Third Party Valuation Product Provided | Received Desk Review. Updating loan accordingly. | 08/26/2022 | .; Third Party Valuation Product not Provided to Support Origination Appraised Value within 10%. | 08/23/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 10521 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Credit | Final Loan Application is Partial | Final Loan Application is Partial. The final 1003 is incomplete missing mortgage payments taxes and insurance for all XXX REO's. | Received updated final 1003 including the calculations on all REO properties. Verified information - Exception cleared. | 08/26/2022 | Final Loan Application is Present | 08/24/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 10659 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/25/2022 | Acknowledged | Compliance | XX Rate Spread Home Loan Test | This loan failed the XX rate spread home loan test.<br> (XX XXX)<br> The loan is a rate spread home loan, as defined in the legislation. For more information please see the XX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report.<br>While the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. | Loan is rate spread compliant. |  | Change severity of 'XXX Rate Spread Home Loan Test' from Material to Non-Material.; Loan is rate spread compliant. | 09/07/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. C A |
| 10659 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/25/2022 | Active | Compliance | Higher-Priced Mortgage Loan | HPML loan with established escrow and appraisal received; Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.880%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.880%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.880%) by 3.5% or more.; | HPML exception downgraded to B. Borrower was provided copy of Appraisal, received Right to Appraisal doc and IEAD set up.; |  |  |  | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. C A |
| 10659 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/25/2022 | Active | Compliance | XX RSHL Average Prime Offer Rate APR Threshold Exceeded | This loan exceeded the average prime offer rate APR threshold.The difference between the greater of the disclosed APR and the calculated APR, and the average prime offer rate is greater than or equal to one of the following:The loan is a first lien and the APR exceeds the Average Prime Offer Rate (5.880%) by 1.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.880%) by 3.5% or more.All thresholds (Modified HMDA APR Threshold, Conventional Mortgage Rate APR Threshold, and Average Prime Offer Rate APR Threshold) must be met or exceeded in order for the loan to be a "rate spread home loan," subjecting the loan to rate spread home loan limitations. |  |  | Change severity of 'XXX RSHL Average Prime Offer Rate APR Threshold Exceeded' from Material to Non-Material. | 09/08/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. C A |
| 10659 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/25/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. C A |
| 10522 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10522 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/20/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10523 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Acknowledged | Credit | Underwriting FICO does not meet Guideline Minimum Required | Client provided a guideline exception allowing for minimum credit score of XXX based on the credit score being only XXX shy of the minimum; Underwriting FICO of XXX is less than the minimum required guideline FICO of 700. |  |  |  |  | Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years C A |
| 10523 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years C A |
| 10523 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Cleared | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | Qualifying DTI of XXX% exceeds guideline maximum of 50.00.; The lender calculated the borrower's income using a calcualtion of $XXXXXX/XXX months. However there is no documentation to support the amount used. The paystubs and WVOE only support $XXX for year to date, $XXX in 2021 and $XXX in 2020. Using these figure, and a YTD + 2021 income calculation, the base pay is only $XXX/mo | Received LOX - WVOE - with mytime ppy which is part of base pay - you can aslo see the base on the paystubs as well and can be used to qualify with it: <br> Base ytd XXXXXX / XXX - XXX; 2021Base XXXXXX / XXX - XXX<br> YTD / 2020+2021 = XXXXXX/XXX-XXX. Reviewed paystubs and VOE - exception cleared. | 08/26/2022 | Documentation provided to support Qualifying DTI below 50.00. | 08/26/2022 | Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years C A |
| 10523 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Cleared | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. The lender calculated the borrower's income using a calcualtion of $XXXXXX/XXX months. However there is no documentation to support the amount used. The paystubs and WVOE only support $XXX for year to date, $XXX in 2021 and $XXX in 2020. Using these figure, and a YTD + 2021 income calculation, the base pay is only $XXX/mo which results in a DTI of XXX%. | Received LOX - WVOE - with mytime ppy which is part of base pay - you can aslo see the base on the paystubs as well and can be used to qualify with it: <br> Base ytd XXX / XXX - XXX; 2021Base XXX / XXX - XXX<br> YTD / 2020+2021 = XXX/XXX-XXX. Reviewed paystubs and VOE - exception cleared. | 08/26/2022 | The borrower income verification does match approval | 08/26/2022 | Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years C A |
| 10524 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10524 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10525 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10525 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Acknowledged | Property | Reasonable Comps Indicator is No | Lender requires two comparables with similar accessory units. Only one comparable is provided wIth a similar accessory unit noted. ; Reasonable comps indicator is No. | Received CRSE - Exceptoin Type: Property-Appraisal Review. Guideline - 2 comps with similar additional accessory units; Actual - 1 comp with accessory unit. Rationale - Attached garage has been turned into an in-law apt (not uncommon area). 1 comp provided, being accepted as other comps have siliar amenties, IT home office, workshop. Compensating Factors: Qualifying Credit Score is XXX; XXX% (Housing)//XXX% (Total); Reserves of XXX months; Residual Income of $XXX; Qualifying LTV is 57. Acknowledged by Client. | 08/26/2022 | Change severity of 'Reasonable Comps Indicator is No' from Material to Non-Material.; Change status of 'Reasonable Comps Indicator is No' from Active to Acknowledged by Client.;<br> Received CRSE - Exception Type: Property-Appraisal Review. Guideline - 2 comps with similar additional accessory units; Actual - 1 Comp with accessory unit. Rationale - Attached garage has been turned into an in-law apt (not uncommon in area). 1 comp provided, being accepted as other comps have similar amenties, IE home office, workshop. Compensating Factors: Qualifying Credit Score is XXX; XXX% (Housing)//XXX% (Total); Reserves of XXX Months; Residual Income of $XXX; Qualifying LTV is XXX. Acknowledged by client. | 08/25/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10525 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Cleared | Credit | Payment shock exceeds lender guidelines | Payment shock of XXX exceeds the lender guidelines tolerance for payment shock. Guideline is 350%. There is no indication that an exception was issued for the 350% payment shock maximum. |  |  | Payment shock of XXX does not exceed the lender guidelines tolerance for payment shock. | 08/24/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10660 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 10660 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Credit | All Interested Parties Not Checked against Exclusionary Lists | All Interested Parties Not Checked against Exclusionary Lists. Missing searches against lists for title company/closing agent, please provide. |  |  | All Interested parties were checked and cleared with Exclusionary Lists, exception cleared; All Interested Parties Not Checked against Exclusionary Lists: Per 4.2 section on guidelines, Exlusionary List reviews are required. | 08/31/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 10526 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10526 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10661 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10661 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Compliance | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §1026.19(f)(2)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised 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 revised 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 revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. |  |  | This loan passed the revised closing disclosure delivery date test (waiting period required).(12 CFR §1026.19(f)(2)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is not 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 revised closing disclosure delivery date is not 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 revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is not 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.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. | 08/31/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10661 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Compliance | TRID Monitor Timing of Disclosures Finding | TRID Monitor Timing of Disclosures Finding.This loan contains at least one disclosure that fails one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report.While creditors are required to issue disclosures in good faith, the fact that a disclosure was not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. |  |  | TRID Monitor Timing of Disclosures Finding.This loan contains disclosures that do not fail one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report.While creditors are required to issue disclosures in good faith, the fact that a disclosure was not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. | 08/31/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10662 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. D A |
| 10662 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Credit | Fully Executed Purchase Contract is Partial | Missing sales contract addendum extending closing past XX/XX/XXXX. Closing date XX/XX/XXXX. ; The fully executed purchase contract is Partial | Received Addendum to Contract extending the contract through to XX/XX/XXXX. Exception cleared. |  | The fully executed purchase contract is Present | 08/25/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. D A |
| 10527 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10527 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/22/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10663 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations.<br> ; The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 10663 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 10663 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Acknowledged | Property | Appraisal guideline violation | Appraisal guideline violation: ; Approved Exception for subject property square footage of XXX sq ft does not meet guidelines of 1000 sq ft. Compensating factors: verified reserves are XXX and 0x30 - Last 24 months | Change status of 'Appraisal guideline violation' from Active to Acknowledged by Client.;<br> Approved exception for XXX square feet not meeting required minimum of 1000 square feet. Compensating factors: XXX months verified reserves, 0x30 last 24 months, | 08/22/2022 |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 10664 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.370%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.370%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.370%) by 3.5% or more. | HPML with established escrows and appraisal requirements met. |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; HPML with established escrows and appraisal requirements met. | 08/24/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10664 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete: Fully executed CD of sale for XXX. Proceeds are needed for closing. Copy in file has not been executed. | Received copy of Closing Disclosure for XXX. Updating assets accordingly. |  | Copy of Seller's CD for XXX received. | 08/26/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10664 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | Liquid Reserves are less than Guidelines Required | The liquid reserves of XXX months or $XXX, is greater than or equal to the Guidelines minimum required of XXX or $XXX.; The liquid reserves of - XXX months or $-XXX, are less than the Guidelines minimum required of XXX or $XXX. | Received Final Settlement Statement for XXX Pl showing over $500K being provided to seller. Updating assets - exception cleared. |  | The liquid reserves of XXX months or $XXX, is greater than or equal to the Guidelines minimum required of XXX or $XXX.; The liquid reserves of XXX months or $XXX, are less than the Guidelines minimum required of XXX or $XXX. | 09/07/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10528 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Acknowledged | Credit | Housing history does not meet guidelines | Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client.<br> Client provided a guideline exception allowing for no housing history based on husband owning primary residence. Loan is low LTV with DSCR > 1.4 with ample reserves. ; Housing history does not meet guidelines.; Change severity of 'Housing history does not meet guidelines' from Material to Non-Material. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10528 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10665 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/23/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 10665 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/23/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 10666 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years D A |
| 10666 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Credit | Borrower Three Credit Report Indicator is Partial | Borrower three credit report indicator is Partial- missing full CB report showing all three credit scores for XXX SSN XXX | Reviewed credit reports - XX/XX/XXXX and XX/XX/XXXX - confirmed full Credit Reports provided. Exception cleared |  | Borrower three credit report indicator is Present | 08/25/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years D A |
| 10666 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Credit | Final Loan Application is Partial | Final Loan Application is Partial- final 13 incomplete: missing mortgage information for REO at XXX- creditor, account, mtg pmt and unpaid balance fields are blank; per page 460 loan payment history; lender to provide updated final 1003 | Received updated final 1003 showing payments for XXX. Updating loan accordingly - Exception cleared. |  | Final Loan Application is Present | 08/25/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years D A |
| 10666 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. | CDA Provided supporting origination value |  | Third Party Valuation Product Provided. | 09/01/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years D A |
| 10667 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10667 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10529 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. A |
| 10529 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXXXXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided. | The state of XXX enacted a statue effective XX/XXXX that does not allow the insurance company to disclose guaranteed replacement coverage or the replacement cost estimator. Exception cleared. | 08/26/2022 | Hazard insurance coverage is sufficient. | 08/25/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. A |
| 10530 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Compliance | No Compliance Findings | The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10530 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Credit | Hazard Insurance Effective Date is after the Note Date | The hazard insurance effective date of XX/XX/XXXX is after the note date of XX/XX/XXXX. Loan disbursed XX/XX/XXXX with full payment of premium and set up of escrow account. | Received letter from insurance company advising - "XXX does hereby attest that per XXX at XXX there has been no claims placed on the property for the hazard insurance." Updating Effective date - Exception cleared. | 08/26/2022 | Received letter from insurance company advising - "XXX does hereby attest that per XXX at XXX there has been no claims placed on the property for the hazard insurance." Updating Effective date - exception cleared. | 08/25/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10668 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXX. D A |
| 10668 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXX. D A |
| 10668 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Property | Third Party Valuation Product not Provided. | Third Party Valuation Product not Provided to Support Origination Appraised Value within 10%. | CDA Provided supporting origination value |  | Third Party Valuation Product Provided | 09/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXX. D A |
| 10668 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. | CDA Provided supporting origination value |  | Third Party Valuation Product Provided. | 09/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXX. D A |
| 10531 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Acknowledged | Credit | Housing history does not meet guidelines | Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client.<br> Lender provided guideline exception allowing for Borrower not owning primary residence (currently renting) based on XXX months of verified reserves and XXX FICO.; Change severity of 'Housing history does not meet guidelines' from Material to Non-Material.; Housing history does not meet guidelines. Lender approved exception for borrower not owning primary; borrower currently rents; GL borrower must own primary; Actual- borrower renting; lender approved "other", CRSE, page 421 |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. A |
| 10531 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. A |
| 10531 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Acknowledged | Credit | Asset Documents are Incomplete | Lender provided guideline exception allowing for cash out to exceed maximum based on XXX months of verified reserves and XXX FICO.; Asset Documents are Incomplete: Per CRSE page 421- lender capped cashout at $XXX; actual $XXX with lender approved exception. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. A |
| 10531 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Property | Third Party AVM to appraised value exceeds 10% allowable variance | Third party AVM value of XXX with a variance of -17.04 exceeds 10% allowable variance. | Received CDA to cure. <br> Received Desk Review. Updating loan accordingly. | 08/26/2022 | Additional third party valuation requested to support value. | 08/26/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. A |
| 10531 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXXXXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided. | The state of XXX enacted a statue effective XX/XXXX that does not allow the insurance company to disclose guaranteed replacement coverage or the replacement cost estimator. Exception cleared. | 08/26/2022 | Hazard insurance coverage is sufficient. | 08/24/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. A |
| 10532 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10532 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10533 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10533 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10534 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/22/2022 | Active | Credit | Final Loan Application is Not Executed | Final 1003 with Loan Officer signature not located in file.; Final Loan Application is Not Executed |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 10534 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/22/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 10535 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10535 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of June 1, 2013, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.780%) by 1.5% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.780%) by 2.5% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.780%) by 3.5% or more.; | HPML loan with established escrow and appraisal received. Downgraded to a B. | 08/26/2022 |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10535 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10535 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of June 1, 2013, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.780%) by 1.5% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.780%) by 2.5% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.780%) by 3.5% or more.; HPML loan with established escrow and appraisal received. Downgraded to a B. | HPML loan with established escrow and appraisal received. Downgraded to a B. | 08/23/2022 |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10669 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.370%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.370%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.370%) by 3.5% or more.; | HPML Loan with established escrow and appraisal received. Downgraded to a B. |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | 08/23/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10669 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10669 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Per Lender Guidelines, Not applicable, Loan amount is less than $500,000.00 Exception cleared.; Third Party Valuation Product Not Provided and CU Score is 2.60. | Received Desk Review. Updating loan accordingly. |  | Third Party Valuation Product Provided. | 08/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10669 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Per Lender Guidelines, Not applicable, Loan amount is less than $500,000.00 Exception cleared.; Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. | Received Desk Review. Updating loan accordingly. |  | Third Party Valuation Product Provided. | 08/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10536 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10536 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10537 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of June 1, 2013, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (3.030%) by 1.5% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (3.030%) by 2.5% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (3.030%) by 3.5% or more.; | HPML Compliant; Escrow and appraisal requirement met; downgraded to a B | 08/26/2022 |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10537 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10687 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/23/2022 | Acknowledged | Property | Appraisal guideline violation | Appraisal guideline violation: lender approved exception per CRSE page 688; ineligible properties per GL- rural; actual is rural. | Change status of 'Appraisal guideline violation' from Active to Acknowledged by Client.;<br> Client provided guideline exception allowing for rural property based on XXX months of verified reserves. | 08/23/2022 |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10687 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/23/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10538 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/22/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. A |
| 10538 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. A |
| 10539 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/22/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. A |
| 10539 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. A |
| 10670 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10670 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Acknowledged | Credit | Unresolved derogatory credit | Borrower has unresolved derogatory credit. ; Per B/S guidelines, Credit History: No Collections in the last 24 months. CBR dated XX/XX/XXXX reflects a Collection for XXX iao $XXX dated XX/XX/XXXX with a 20 month rev period listed. | Received updated CRSE acknowleding the exception. |  | Change severity of 'Unresolved derogatory credit' from Material to Non-Material.; Change status of 'Unresolved derogatory credit' from Active to Acknowledged by Client.;<br> Received CRSE - Credit - CBR dated XX/XX/XXXX reflects a Collection for XXX iao. Compensating Factors : DTI - XXX% (Housing Ratio) or XXX% (Total); Residual Income of $XXX. Acknowledged by client. | 08/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10540 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10540 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10541 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.370%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.370%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.370%) by 3.5% or more.; | HPML Loan with established escrow and appraisal received. Downgraded to a B; Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | 08/26/2022 | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.370%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.370%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.370%) by 3.5% or more. | 08/24/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 10541 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Acknowledged | Credit | Transmittal Summary is Partial | Change severity of 'Transmittal Summary is Partial' from Material to Non-Material.; Change status of 'Transmittal Summary is Partial' from Active to Acknowledged by Client.<br> Client provided a guideline exceptiom allowing for Payment shock over 350%. Qualifying Credit Score is XXX, DTI XXX (Housing Ratio) or XXXX% (Total), Borrower with same Employer/Business for 10 years.; The lender approved an exception for payment shock on XX/XX/XXXX. Maximum Payment Shock is 350% - XXX. However, the lender calculated the payment shock at XXX% with compensating factors of primary ownership for XXX years owned free and clear. (Actual Payment Shock is recalculated higher at XXX%). |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 10688 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.370%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.370%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.370%) by 3.5% or more. | HPML Loan with established escrow and appraisal received. Downgraded to a B; |  | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.370%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.370%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.370%) by 3.5% or more. | 08/24/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10688 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Compliance | Late Fees Test | This loan failed the late fees test.The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.For loans with a date creditor received application before June 9, 2011:When a scheduled payment in a consumer credit transaction is in default 10 days or more, the creditor may charge and collect a late charge not exceeding the greater of ten dollars ($10) or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($100). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (AC §5-19-4(a))For loans with a date creditor received application on or after June 9, 2011:When a scheduled payment in a consumer credit transaction is in default 10 days or more, the creditor may charge and collect a late charge not exceeding the greater of eighteen dollars ($18) or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($100). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (AC §5-19-4(a))PLEASE NOTE: Certain states impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, ComplianceAnalyzer® will calculate the required data point from the late charge value entered by the user, and for such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment. | Updated note received from client. Resolving exception. The Note and Final CD show late payment of 5% of the P&I which is $XXX (XXX\*5%). Because the Note is binding it would override any attestatio |  | This loan passed the late fees test.The loan has late fees that conform to the requirements for the lender's license type in the state where the property is located.For loans with a date creditor received application before June 9, 2011:When a scheduled payment in a consumer credit transaction is in default 10 days or more, the creditor may charge and collect a late charge not exceeding the greater of ten dollars ($10) or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($100). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (AC §5-19-4(a))For loans with a date creditor received application on or after June 9, 2011:When a scheduled payment in a consumer credit transaction is in default 10 days or more, the creditor may charge and collect a late charge not exceeding the greater of eighteen dollars ($18) or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($100). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (AC §5-19-4(a))PLEASE NOTE: Certain states impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, ComplianceAnalyzer® will calculate the required data point from the late charge value entered by the user, and for such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment.; 09/13/2022: Received Note, Final CD and Compliance agreement in trailing docs. Note and Final CD now reflect late charge not to exceed $XXX. Exception cleared. | 09/13/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10542 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.370%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.370%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.370%) by 3.5% or more.; | HPML with established escrow and appraisal received. Downgraded to a B | 08/26/2022 | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.370%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.370%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.370%) by 3.5% or more. | 08/24/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10542 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10671 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10671 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete: Lender Guidelines, section 3.10.1 require gift funds to be documented with a copy of the donor's cancelled check to the closing agent or evidence of a wire transfer from to donor to borrower. The file contains a gift letter stating the gift funds will be sent to the settlement agent at closing. The Closing Disclosure does not document any gift funds and the file does not contain a copy of a wire or check from the donor | Received gift documentation and receipt in escrow. |  | 09/01/22: Received gift documentation and receipt in escrow. | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10672 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.370%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.370%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.370%) by 3.5% or more. | Escrow account established, and appraisal receipt acknowledged within 3 days. |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; Escrow account established, and appraisal receipt acknowledged within 3 days. | 08/25/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10672 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Acknowledged | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete: Missing full access letter for all bank acounts from XXX for all XXX Accounts and XXX Accounts. Jointly owned by borrower and her mother, XXX. |  |  | Change severity of 'Asset Documents are Incomplete' from Material to Non-Material.; Change status of 'Asset Documents are Incomplete' from Active to Acknowledged by Client.;<br> 09/01/22: Approved exception for 2 people on assets statements with no access letter. Compensating factors: XXX FICO, 0x30 24 months, Qualifying payment shock is XXX%, XXX% DTI, XXX months verified reserves. | 09/08/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10543 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.580%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.580%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.580%) by 3.5% or more. | HPML Loan with established escrows and appraisal received. Downgraded to a B | 08/26/2022 | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; | 08/24/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10543 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10673 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10673 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10674 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 10674 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Acknowledged | Credit | Liquid Reserves are less than Guidelines Required | Per CRSE, 5.5 months of reserves were approved. Calculation with bank statement (matching 1003) is only XXX months of reserves. Please advise. ; The liquid reserves of - XXX months or $-XXX, are less than the Guidelines minimum required of XXX or $XXX. | Received updated CRSE - acknowledging the exception. |  | Change severity of 'Liquid Reserves are less than Guidelines Required' from Material to Non-Material.; Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Acknowledged by Client.;<br> Received CRSE : Exception Type - Other-Property. Guideline - Minimum Reserves: XXX months. Actual - Reserves: XXX. Rationale - approved XXX months in reserves. DSCR over XXX. Compensating Factors : XXX% (Housing)//XXX% (Total); Payment decreasing by XXX; Residual Income of $XXX; 0x30-last 24 months. Acknowledged by client. | 08/26/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 10675 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10675 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10544 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10544 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10545 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.370%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.370%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.370%) by 3.5% or more. | HPML Loan with established escrow and appraisal received. Downgraded to a B; | 08/26/2022 |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. A |
| 10545 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. 11 month payment history, lender guidelines require 12; Housing history does not meet guidelines. | Received LXO with copy of Credit Report. Mortgage History folder shows borrower paid through XX/XX which makes it 12 months. Exception cleared. | 08/26/2022 | Housing delinquency meets guidelines. | 08/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. A |
| 10545 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | Borrower Employment Verification does not meet guidelines | Borrower is employed by family owned business. XXX is husband XXX. Per guidelines, missing documentation that borrower is employed by relative, has less than 25% interest in the business and is paid in the form of wages. There is no letter or documentation in the file of the ownership percentage if any, XXX holds. | Received VVOE showing borrower does not have ownership in the company. Exception cleared. | 08/26/2022 | The exception 'Borrower Employment Verification does not meet guidelines' is cleared. | 08/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. A |
| 10545 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete :Missing access letter for husbands BUSINESS account XXX that was used to fund loan, signed by husband. | Received LOX - Borrower is married to XXX. We do not require access letters when married. Exception cleared. | 08/26/2022 | The exception 'Asset Documents are Incomplete' is cleared. | 08/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. A |
| 10676 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/22/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 10676 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 10676 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/22/2022 | Cleared | Property | Third Party Valuation Product not Provided. | Third Party Valuation Product not Provided to Support Origination Appraised Value within 10%. | Received CDA dated XX/XX, Value of $XXX |  | Third Party Valuation Product Provided | 08/30/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 10676 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/22/2022 | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product Provided; Per Lender Guidelines, not applicable loan amount is less than $XXX. Exception cleared.; Third Party Valuation Product not Provided to Support Origination Appraised Value within 10%. | Received CDA dated XX/XX, Value of $XXX |  | Third Party Valuation Product Provided; Third Party Valuation Product not Provided to Support Origination Appraised Value within 10%. | 08/30/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 10677 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10677 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10678 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Active | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))<br> Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.<br> While the XXX 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. |  |  | Change severity of 'CA AB 260 Higher-Priced Mortgage Loan Test' from Material to Non-Material.; HPML loan with established escrow and appraisal received | 08/29/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10678 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.610%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.610%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.610%) by 3.5% or more.; | HPML loan with established escrow and appraisal received |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10678 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10546 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 10546 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/20/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 10547 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXXX are greater than the Guideline Minimum of XXX or $XXXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10547 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXXX are greater than the Guideline Minimum of XXX or $XXXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10679 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 10679 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Credit | No Credit Findings | The exception 'No Credit Findings' is cleared.; The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 10680 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 07/22/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 10680 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 07/22/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 10680 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 07/22/2022 | Cleared | Credit | Borrower residency documentation not provided or issue with documentation | Borrower residency documentation not provided or issue with documentation. Drivers license is included, not Permanent Residence Status documentation. | Copy of Borrower's Resident Alien card was provided. Reviewed - exception cleared. |  | Borrower residency documentation has been provided and there are no issues with documentation. | 07/27/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 10684 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/13/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.350%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.350%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.350%) by 3.5% or more. | Escrow account established, and appraisal receipt acknowledged within 3 days |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10684 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/13/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10684 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/13/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10681 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 07/14/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXX. A |
| 10681 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 07/14/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXX. A |
| 10681 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 07/14/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXX. A |
| 10682 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/13/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10682 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/13/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10682 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/13/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10550 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/03/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.310%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.310%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.310%) by 3.5% or more. | HPML Loan with established escrow and appraisal received. Downgraded to a B | 07/18/2022 | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10550 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/03/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10550 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/03/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10548 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/26/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.860%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.860%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.860%) by 3.5% or more.; | HPML Loan with established escrows and appraisal received. | 07/18/2022 | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; Downgraded to a B |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10548 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/26/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10548 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/26/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10683 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/09/2022 | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. |  |  | Change status of 'Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable.' from Active to Revoked.;<br> Per Lender Guidelines, not applicable loan amount is less than $XXX. | 08/09/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10683 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/09/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10683 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/09/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10551 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/01/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.880%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.880%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.880%) by 3.5% or more.; | HPML Loan with established escrow and appraisal received. Downgraded to a B | 07/18/2022 | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10551 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/01/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10549 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/27/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.780%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.780%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.780%) by 3.5% or more. | Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days. | 07/18/2022 | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10549 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/27/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10552 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Acknowledged | Credit | Property is located in a FEMA disaster area | Change severity of 'Property is located in a FEMA disaster area' from Material to Non-Material.; . Exception is for informational purposes only.; FEMA declared XXX county in a disaster area (XXX) on XX/XX/XXXX, with a release date of on going The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. <br>|  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. A |
| 10552 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. A |
| 10553 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10553 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | Property is located in a FEMA disaster area | Property is located in a FEMA disaster area with no post disaster inpection. FEMA Disaster search by zip code indicated XXX in XX/XXXX (appraisal dated XX/XXXX) and appraiser commented, as well (pg 778); however, no post disaster inspection provided. | Received copy of FEMA report showing property has no damage. Exception cleared. |  | Post disaster inspection confirms no property damage | 08/31/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10554 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of June 1, 2013, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.780%) by 1.5% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.780%) by 2.5% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.780%) by 3.5% or more.; | HPML Compliant loan: Escrow established; Appraisal delivered. |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10554 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | Final Loan Application is Partial | Final Loan Application is Partial; Declaration A in Section 5 of Final 1003 (pg 80) to be corrected. Borrower answered NO to "have you had an ownership interest in another property in last three years"; however, first page of 1003 indicates previously owning XXX until XXX and closed XXX mortgage on credit report (pg 522) supports. | Final loan application dated XX/XX/XXXXX received. Exception cleared. |  | Final Loan Application is Present | 08/25/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10555 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of June 1, 2013, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.330%) by 1.5% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.330%) by 2.5% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.330%) by 3.5% or more.; | HMPL Informational: Escrows and Appraisal requirements met. |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10555 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10468 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 10468 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 10469 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10469 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/21/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10470 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/22/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10470 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Acknowledged | Credit | Underwriting FICO does not meet Guideline Minimum Required | Underwriting FICO of XXX is less than the minimum required guideline FICO of 680. | Change status of 'Underwriting FICO does not meet Guideline Minimum Required' from Active to Acknowledged by Client.;<br> Per CRSE, Credit: Credit score does not meet program requirements. Actual Verified: FICO XXX; Comments - Locked prior to guidelines. Compensating Factors : DTI - XXX%/XXX% (program max XXX%/XXX%); Residual Income - >$XXXk per mo. (program min $2500); Stable Employment History - XXX yrs same bus s/e. Acknowledged by client. | 08/22/2022 |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10471 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/22/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. A |
| 10471 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. A |
| 10556 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Cleared | Compliance | No Compliance Findings | The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 10556 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Acknowledged | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | Agree with Lender's bank statement calculation (page 700) except for XX/XXXX excluded deposits. $XXX manual cr-bkg deposit on XX/XX/XXXX (page 771) was not excluded; Lender excluded all other manual cr-bkg deposits. Excluded $XXX deposit in recalculation of income which increased excluded deposits from $XXX to $XXX for XX/XXXX. Qualifying income lowered to $XXX/mon from $XXX/mon. AND Lender did not include monthly payment for XXX xXXX of $25.00 per credit report comparison.; Qualifying DTI of XXX exceeds guideline maximum of XXX. | Received CRSE - exception acknowledged. |  | Change severity of 'Qualifying DTI exceeds Guideline Maximum Allowable' from Material to Non-Material.; Change status of 'Qualifying DTI exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.;<br> Received CRSE - DTI:Debt Ratio exceeds program guidelines. Actual Verified - XXX%/XXX%. Exception Comments - post closing. Compensating Factors : no lates < 24 mos on credit; XXX% (XXX% below max); XXX+ mos post closing (using cash out proceeds). Acknowledged by client. | 09/06/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 10556 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Cleared | Credit | Hazard Insurance Indicator is Partial | Provide PUD master policy declarations page or evidence of insurance with Borrower's name and subject property address listed.; Hazard insurance indicator is Partial | Received copy of Master Policy. Updating loan accordingly. |  | Hazard insurance indicator is Present | 09/06/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 10472 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 10472 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Compliance | Evidence of Rate Lock Not Provided | Evidence of Rate Lock Not Provided | Rate lock located on page 820. Exception cleared | 08/26/2022 | Evidence of Rate Lock Provided | 08/27/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 10557 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of June 1, 2013, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.330%) by 1.5% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.330%) by 2.5% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.330%) by 3.5% or more.; | HPML Loan with established escrow and appraisal received. Downgraded to a B. |  |  |  | Borrower has stable job time - Borrower has XXX years at job. C A |
| 10557 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Cleared | Credit | Underwriting FICO does not meet Guideline Minimum Required | Underwriting FICO of XXX is less than the minimum required guideline FICO of XXX. Guidelines require a minimum FICO of XXX when using the option of VOR to verify the borrower's previous payment history. The only housing history provided was a VOR. | Received LOX - A VOR is always acceptable from an apartment complex or 3rd party management company. The VOR overlay requiring a XXX score only applies to a prive landlord situation, which doesn't apply here. Exception cleared. |  | Underwriting FICO of XXX is greater than or equql to the minimum required guideline FICO of XXX. | 08/25/2022 | Borrower has stable job time - Borrower has XXX years at job. C A |
| 10558 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10558 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Acknowledged | Credit | Housing history does not meet guidelines | Guidelines require residential pay history of 0X30X24. The borrower indicated they have rented their current residence for the last XXX years and XXX months, however only XXX months of rental payments is verified in the file. ; Housing history does not meet guidelines. | Received CRSE - Acknowledging exception<br> Need 12 months of rental history on XXX. Per final 1003, borrower has been renting at XXX for over XXX years. |  | Change severity of 'Housing history does not meet guidelines' from Material to Non-Material.; Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client.;<br> Received CRSE - Credit:Housing History (mortgage/rent) requirements not met. Actual - Private landlord VOR. Comments - Obtained VOR for rent (see 3 mos out of recent bk stmts+VOR for remaining). Compensating Factors : XXX score; No lates on credit for past 2 years; DTI XXX%; Reserves XXX months; Residual Income $XXX; Stable Employment History - XXX years on same job. Acknowledged by client. | 09/07/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10473 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Acknowledged | Property | Appraisal guideline violation | Approved exception for Rural/Modular property. Compensating factors: Residual Income XXXK and XXX+ years on the current job; Per B/S Guidelines dated XX/XX/XXXX Rural properties are only allowed for primary and second homes. Subject loan is an investment property located in a rural area per appraisal on XX/XX acres zoned for XXX. ; Appraisal guideline violation: |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10473 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10473 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Acknowledged | Credit | Minimum Trade Line Requirement Not Met | Per Guidelines for Investment properties, XXX tradelines reporting for 24+ months with activity in the last 12 months. CBR Comparison report reflects XXX tradelines reporting for 24 months. ; Borrower(s) have not met the minimum tradeline requirement per lender guidelines. | Received updated CRSE - Credit:Tradeline requirements not met. Actual XXXx12 months. Compensating Factors: Residual Income - $XXX residual Inc; Stable Employment History - XXX+ yrs on current job. Acknowledged by client. | 08/26/2022 | Change severity of 'Minimum Trade Line Requirement Not Met' from Material to Non-Material.; Change status of 'Minimum Trade Line Requirement Not Met' from Active to Acknowledged by Client.;<br> Received updated CRSE - Credit: Tradline requirements not met. Actual XXXx12 months. Compensating Factors : Residual Income - $XXXk residual Inc; Stable Employment History - XXX+ yrs on current job. Acknowledged by Client | 08/25/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10559 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.860%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.860%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.860%) by 3.5% or more.; Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; | HPML Loan with established escrow and appraisal received. Downgraded to a B. |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 10559 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | Transmittal Summary is Partial | The transmittal summary is Partial - Credit Risk Summary & Exception report is missing. | Received copy of CRSE. Exception cleared. |  | The transmittal summary is Present | 08/26/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 10560 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 10560 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 10561 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Credit | Fraud Report Shows Uncleared Alerts | Fraud report shows the following alerts that have not been cleared: Borrower has additional loan applications on different properties with your institution in the past 120 days. Fraud report (page 764) indicates there was an application on XX/XX/XXXX for XXX. This property is not listed on final 1003 as real estate owned. Provide documentation to verify status of loan application. If Borrower owns property, provide documentation to verify principal and interest, taxes, insurance and HOA dues. If property held free and clear, provide documentation to verify. | Received copy of SiteX report for XXX. Report shows another borrower purchased. Exception cleared. |  | Alerts from Fraud Report have been cleared. | 08/31/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10561 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial; i) Provide final CDs for three recent XXX loans secured by XXX (#XXX), XXX (#XXX), and XXX (#XXX). Expense listed on the final 1003 utilized for initial DTI recalculation.<br> ii) Provide documentation to verify both taxes and insurance are escrowed for XXX #XXX secured by XXX and XXX #XXX secured by XXX. XXX statements indicate escrows as taxes, insurance or PMI. There is no documentation in file to verify tax or insurance expenses to conclude both taxes and insurance are escrowed.<br> iii) Final 1003 lists balance of $XXX and payment of $XXX for XXX revolving account #XXX opened XX/XX/XXX. Credit report and credit report comparison (page 540) reflect balance of $XXX with payment of $XXX for account. Provide documentation to verify balance of $XXX and payment of $XXX for account. | Received copies of final CDs, taxes and insurance included. Liabilities - Amount outlined on final 1003 was from a previous credit report. Liabilities were updated - within guidelines. Exception cleared. |  | Borrower liabilities verified indicator is Present | 08/31/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10561 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Compliance | Evidence of Rate Lock Not Provided | Provide evidence of rate lock details including date rate was locked and verification that prepayment penalty was reduced to XXX years as XXX year prepayment penalty is required by Section 1.9 of the Portfolio Programs Underwriting Guidelines dated 05/26/2022. ; Evidence of Rate Lock Not Provided | Validated Rate lock with documents in file, exception cleared. |  | Evidence of Rate Lock Provided | 09/02/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10561 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Credit | Final Loan Application is Partial | Final 1003 lists XXX as current address in error. Item C in the Declarations section is also not completed.; Final Loan Application is Partial | Received LOX - Final 1003 was updated to reflect proper address and copy provided. Exception cleared. |  | Final Loan Application is Present | 08/31/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10561 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXXXXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided. | The state of XXX enacted a statue effective XX/XXXX that does not allow the insurance company to disclose guaranteed replacement coverage or the replacement cost estimator. Exception cleared. |  | Hazard insurance coverage is sufficient. | 08/31/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 10562 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10562 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/19/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10563 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXX. C A |
| 10563 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Compliance | Evidence of Rate Lock Not Provided | Evidence of Rate Lock Not Provided; Provide evidence of rate lock details including date rate was locked and verification that prepayment penalty was bought out as required by Section 1.11 of the Investor Cash Flow Underwriting Guidelines dated 02/08/2021. | Copy of lock confirmation received. Lock date XX/XX/XXXX. Updating loan accordingly. |  | Evidence of Rate Lock Provided | 08/29/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXX. C A |
| 10564 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.860%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.860%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.860%) by 3.5% or more.; Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | HPML Loan with established escrow and appraisal received. Downgraded to a B; |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years |
| 10564 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Acknowledged | Credit | Underwriting FICO does not meet Guideline Minimum Required | Change status of 'Underwriting FICO does not meet Guideline Minimum Required' from Active to Acknowledged by Client.<br> Approved exception for Fico not meeting required guidelines of XXX. Compensating Factors: DTI XXX% - max is 50%, Residual Income of $XXX - $XXX required and Stale employment of XXX years - since XXX. ; Underwriting FICO of XXX is less than the minimum required guideline FICO of XXX.; Change severity of 'Underwriting FICO does not meet Guideline Minimum Required' from Material to Non-Material. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years |
| 10564 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Acknowledged | Property | Appraisal guideline violation | Appraisal guideline violation: ; Appraisal states Non-Arms length & Arms Length sale. Additional Document in file 'Revision Comparison Report" states twice that the sales contract is a Non-Arms length sale. per Guidelines, Non-Arms lengths are not allowed. | Received updated CRSE - acknowledging exception. |  | Change severity of 'Appraisal guideline violation' from Material to Non-Material.; Change status of 'Appraisal guideline violation' from Active to Acknowledged by Client.;<br> Received updated CRSE - Property:Ineligible. Actual - Non-Arms lengths are not allowed. Compensating Factors : XXX% - max XXX%; $XXX-$XXX required; XXX years - since XXX. Acknowledged by client. | 08/25/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years |
| 10474 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10474 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/22/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of June 1, 2013, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.780%) by 1.5% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.780%) by 2.5% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.780%) by 3.5% or more.; | HPML Loan with established escrow and appraisal. Downgraded to a B. | 08/26/2022 |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Borrower XXX has significant job time - Borrower has XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX years ; Borrower has stable job time - Borrower has XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 10475 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10475 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/21/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 10565 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Active | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.880%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.880%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.880%) by 3.5% or more. | HPML Informational: Escrows and Appraisal requirements met. ; |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 10565 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is 3.50. | CDA Provided supporting origination value |  | Received UCDP CU score 1.0; Third Party Valuation Product Provided.; Change status of 'Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5' from Revoked to Active.;<br> for sec; Change status of 'Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5' from Active to Revoked.;<br> Per Lender Guidelines, not applicable loan amount is less than $XXX. | 08/29/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 10565 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Cleared | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. The Credit Risk Summary and Exception Approval is not in the file, therefore the approval is missing and not available for comparison | Received copy of CRSE. All amounts match or within small variance. Exception cleared. |  | The borrower income verification does match approval | 08/31/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 10565 | XXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/23/2022 | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. | CDA Provided supporting origination value |  | Third Party Valuation Product Provided.; Change status of 'Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable.' from Revoked to Active.;<br> ; Change status of 'Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable.' from Active to Revoked.;<br> Per Lender Guidelines, not applicable loan amount is less than $XXX. | 08/29/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXXXXX are greater than the Guideline Minimum of XXX or $XXXXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. D A |

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## Exhibit 99.9

[HOMES 2023-NQM1 ABS-15G](homes-abs15g_020223.htm)

**EXHIBIT 99.9**

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| | | | | | | | **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** | **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** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** | **AUS Information** |
| **Loan Number** | **Pool ID** | **Alternate Loan Number** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV** | **Appraised Date** | **Appraised Value** | **Review Type** | **Secondary Appraised Date** | **Secondary Appraised Value** | **Secondary Review Type** | **Vendor** | **Report Date** | **Value** | **Variance Amount** | **Confidence Score** | **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** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **CU Score** | **R&W Eligible** |
| 10476 |  | XXX | XXXXXX | XXX | XXX | 54.81% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |
| 10477 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Eligible |
| 10478 |  | XXX | XXXXXX | XXX | XXX | 60% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| 10479 |  | XXX | XXXXXX | XXX | XXX | 25.15% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Eligible |
| 10480 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  | XXX | XX/XX/XXXX | XXX | $48173.00 | 86 | 26.76% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 10481 |  | XXX | XXXXXX | XXX | XXX | 85% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10482 |  | XXX | XXXXXX | XXX | XXX | 50% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  | XXX | XX/XX/XXXX | XXX | -$1580000.00 | 56 | -52.67% | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | Not Eligible |
| 10483 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 10484 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Eligible |
| 10485 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Eligible |
| 10486 |  | XXX | XXXXXX | XXX | XXX | 61.32% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10487 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10488 |  | XXX | XXXXXX | XXX | XXX | 70% | XX/XX/XXXX | XXX | Form 1025 |  |  |  | XXX | XX/XX/XXXX | XXX | -$16555.00 | 87.2 | -3.61% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 10489 |  | XXX | XXXXXX | XXX | XXX | 70% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  | XXX | XX/XX/XXXX | XXX | -$30931.00 | 92 | -3.87% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | Not Eligible |
| 10490 |  | XXX | XXXXXX | XXX | XXX | 85% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $70000.00 | 6.36% |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | Not Eligible |
| 10491 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  | XXX | XX/XX/XXXX | XXX | $8693.00 | 96 | 2.32% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10492 |  | XXX | XXXXXX | XXX | XXX | 76.61% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |
| 10493 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | -$30000.00 | -3.19% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | Not Eligible |
| 10494 |  | XXX | XXXXXX | XXX | XXX | 90% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Eligible |
| 10495 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10496 |  | XXX | XXXXXX | XXX | XXX | 50% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | Eligible |
| 10497 |  | XXX | XXXXXX | XXX | XXX | 70% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  | XXX | XX/XX/XXXX | XXX | $3962.00 | 92 | 1.42% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | Not Eligible |
| 10498 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  | XXX | XX/XX/XXXX | XXX | -$30570.00 | 91 | -3.04% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 10499 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | Eligible |
| 10500 |  | XXX | XXXXXX | XXX | XXX | 85% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  | XXX | XX/XX/XXXX | XXX | -$177180.00 | 92 | -26.06% | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | Not Eligible |
| 10501 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10502 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | Eligible |
| 10503 |  | XXX | XXXXXX | XXX | XXX | 90% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  | XXX | XX/XX/XXXX | XXX | -$544.00 | 92 | -0.2% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | Not Eligible |
| 10504 |  | XXX | XXXXXX | XXX | XXX | 36.29% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10505 |  | XXX | XXXXXX | XXX | XXX | 85% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | Not Eligible |
| 10506 |  | XXX | XXXXXX | XXX | XXX | 65% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10507 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | Form 1025 |  |  |  | XXX | XX/XX/XXXX | XXX | $4757.00 | 93 | 1.27% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 10508 |  | XXX | XXXXXX | XXX | XXX | 85% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  | XXX | XX/XX/XXXX | XXX | -$6179.00 | 92 | -0.79% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| 10509 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10510 |  | XXX | XXXXXX | XXX | XXX | 63.22% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10511 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 10512 |  | XXX | XXXXXX | XXX | XXX | 74.07% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10513 |  | XXX | XXXXXX | XXX | XXX | 90% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | Eligible |
| 10514 |  | XXX | XXXXXX | XXX | XXX | 65% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | Eligible |
| 10515 |  | XXX | XXXXXX | XXX | XXX | 70% | XX/XX/XXXX | XXX | Form 1025 |  |  |  | XXX | XX/XX/XXXX | XXX | $90133.00 | 89 | 14.42% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 10516 |  | XXX | XXXXXX | XXX | XXX | 74.50% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10517 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | Form 1025 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 10518 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  | XXX | XX/XX/XXXX | XXX | $0.00 | 90 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | Eligible |
| 10519 |  | XXX | XXXXXX | XXX | XXX | 50.85% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10520 |  | XXX | XXXXXX | XXX | XXX | 56.67% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10521 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | Form 1025 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 10522 |  | XXX | XXXXXX | XXX | XXX | 60% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Eligible |
| 10523 |  | XXX | XXXXXX | XXX | XXX | 72.39% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10524 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10525 |  | XXX | XXXXXX | XXX | XXX | 57% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  | XXX | XX/XX/XXXX | XXX | $9196.00 | 92 | 1.84% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | Not Eligible |
| 10526 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10527 |  | XXX | XXXXXX | XXX | XXX | 70% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10528 |  | XXX | XXXXXX | XXX | XXX | 35.29% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10529 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10530 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | Eligible |
| 10531 |  | XXX | XXXXXX | XXX | XXX | 67.27% | XX/XX/XXXX | XXX | Form 1025 |  |  |  | XXX | XX/XX/XXXX | XXX | -$141421.00 | 84 | -17.04% | XX/XX/XXXX | XXX | -$80000.00 | -9.64% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 10532 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Eligible |
| 10533 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10534 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10535 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10536 |  | XXX | XXXXXX | XXX | XXX | 70% | XX/XX/XXXX | XXX | Form 1025 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 10537 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | Eligible |
| 10538 |  | XXX | XXXXXX | XXX | XXX | 47.29% | XX/XX/XXXX | XXX | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Eligible |
| 10539 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  | XXX | XX/XX/XXXX | XXX | -$32278.00 | 91 | -2.91% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | Not Eligible |
| 10540 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Eligible |
| 10541 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10542 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  | XXX | XX/XX/XXXX | XXX | -$15029.00 | 92 | -3.16% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10543 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | Form 1073 | XX/XX/XXXX | XXX | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | Not Eligible |
| 10544 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  | XXX | XX/XX/XXXX | XXX | $59516.00 | 85 | 5.07% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 10545 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10546 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10547 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | Not Eligible |
| 10468 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | Eligible |
| 10469 |  | XXX | XXXXXX | XXX | XXX | 30% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | Not Eligible |
| 10470 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10471 |  | XXX | XXXXXX | XXX | XXX | 70% | XX/XX/XXXX | XXX | Form 1025 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 10472 |  | XXX | XXXXXX | XXX | XXX | 55.56% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | Eligible |
| 10473 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | Eligible |
| 10474 |  | XXX | XXXXXX | XXX | XXX | 59.67% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |
| 10475 |  | XXX | XXXXXX | XXX | XXX | 70% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10551 |  | XXX | XXXXXX | XXX | XXX | 60% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10550 |  | XXX | XXXXXX | XXX | XXX | 55.07% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | Eligible |
| 10548 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |
| 10549 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10566 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| 10567 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10568 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10569 |  | XXX | XXXXXX | XXX | XXX | 90% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10570 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | Form 1025 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 10571 |  | XXX | XXXXXX | XXX | XXX | 65.36% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | Eligible |
| 10572 |  | XXX | XXXXXX | XXX | XXX | 79% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10573 |  | XXX | XXXXXX | XXX | XXX | 54.31% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 999 | Not Eligible |
| 10574 |  | XXX | XXXXXX | XXX | XXX | 73.5% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10575 |  | XXX | XXXXXX | XXX | XXX | 90% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Eligible |
| 10576 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| 10577 |  | XXX | XXXXXX | XXX | XXX | 25.64% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | Not Eligible |
| 10578 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10579 |  | XXX | XXXXXX | XXX | XXX | 35.47% | XX/XX/XXXX | XXX | Form 1025 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 10580 |  | XXX | XXXXXX | XXX | XXX | 59.48% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Eligible |
| 10581 |  | XXX | XXXXXX | XXX | XXX | 71.11% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 10582 |  | XXX | XXXXXX | XXX | XXX | 72.73% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | Not Eligible |
| 10583 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Eligible |
| 10584 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Eligible |
| 10585 |  | XXX | XXXXXX | XXX | XXX | 85% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 10586 |  | XXX | XXXXXX | XXX | XXX | 31.01% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | Eligible |
| 10587 |  | XXX | XXXXXX | XXX | XXX | 41.45% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $240000.00 | 4.71% |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | Eligible |
| 10588 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10589 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | Eligible |
| 10590 |  | XXX | XXXXXX | XXX | XXX | 70% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | Not Eligible |
| 10591 |  | XXX | XXXXXX | XXX | XXX | 73.26% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |
| 10592 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 10593 |  | XXX | XXXXXX | XXX | XXX | 60% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | Eligible |
| 10594 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10595 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | Eligible |
| 10596 |  | XXX | XXXXXX | XXX | XXX | 62.31% | XX/XX/XXXX | XXX | Form 1025 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 10597 |  | XXX | XXXXXX | XXX | XXX | 90% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | Not Eligible |
| 10598 |  | XXX | XXXXXX | XXX | XXX | 50.68% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10599 |  | XXX | XXXXXX | XXX | XXX | 90% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Eligible |
| 10600 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | Form 1025 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 10601 |  | XXX | XXXXXX | XXX | XXX | 50% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10602 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10603 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10604 |  | XXX | XXXXXX | XXX | XXX | 79.88% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  | XXX | XX/XX/XXXX | XXX | $34092.00 | 91.6 | 5.17% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | Not Eligible |
| 10605 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | Form 1025 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 10606 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | Form 1073 |  |  |  | XXX | XX/XX/XXXX | XXX | $4873.00 | 96 | 0.9% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 10607 |  | XXX | XXXXXX | XXX | XXX | 60% | XX/XX/XXXX | XXX | Form 1025 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 10608 |  | XXX | XXXXXX | XXX | XXX | 85% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | Not Eligible |
| 10609 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  | XXX | XX/XX/XXXX | XXX | -$17562.00 | 92 | -3.59% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | Eligible |
| 10610 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | Eligible |
| 10611 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10612 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | Eligible |
| 10613 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10614 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | Form 1073 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 10615 |  | XXX | XXXXXX | XXX | XXX | 63.56% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | Not Eligible |
| 10616 |  | XXX | XXXXXX | XXX | XXX | 69.02% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | Eligible |
| 10617 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10618 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10619 |  | XXX | XXXXXX | XXX | XXX | 74.95% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | Eligible |
| 10620 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | Eligible |
| 10621 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | Form 1025 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 10622 |  | XXX | XXXXXX | XXX | XXX | 70% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | Eligible |
| 10623 |  | XXX | XXXXXX | XXX | XXX | 65% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | -$45000.00 | -9.47% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | Not Eligible |
| 10624 |  | XXX | XXXXXX | XXX | XXX | 83% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | Eligible |
| 10625 |  | XXX | XXXXXX | XXX | XXX | 65% | XX/XX/XXXX | XXX | Form 1025 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 10626 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | Form 1025 |  |  |  | XXX | XX/XX/XXXX | XXX | -$114997.00 | 87 | -7.19% | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 10627 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | Eligible |
| 10628 |  | XXX | XXXXXX | XXX | XXX | 85% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10629 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10630 |  | XXX | XXXXXX | XXX | XXX | 71.12% | XX/XX/XXXX | XXX | Form 1025 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 10631 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | Not Eligible |
| 10632 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10633 |  | XXX | XXXXXX | XXX | XXX | 57.78% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10634 |  | XXX | XXXXXX | XXX | XXX | 70% | XX/XX/XXXX | XXX | Form 1073 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | Not Eligible |
| 10635 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | Eligible |
| 10636 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10637 |  | XXX | XXXXXX | XXX | XXX | 85% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10638 |  | XXX | XXXXXX | XXX | XXX | 83.72% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Eligible |
| 10639 |  | XXX | XXXXXX | XXX | XXX | 70% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  | XXX | XX/XX/XXXX | XXX | -$55081.00 | 91.4 | -5.1% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 10640 |  | XXX | XXXXXX | XXX | XXX | 68.18% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Eligible |
| 10641 |  | XXX | XXXXXX | XXX | XXX | 60% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Eligible |
| 10642 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10643 |  | XXX | XXXXXX | XXX | XXX | 70% | XX/XX/XXXX | XXX | Form 1025 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 10644 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | Form 1025 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 10645 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10646 |  | XXX | XXXXXX | XXX | XXX | 90% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | Eligible |
| 10647 |  | XXX | XXXXXX | XXX | XXX | 85% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Eligible |
| 10648 |  | XXX | XXXXXX | XXX | XXX | 89.9% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10649 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | Eligible |
| 10650 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | Form 1004C |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10651 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10652 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10653 |  | XXX | XXXXXX | XXX | XXX | 90% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Eligible |
| 10654 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | Not Eligible |
| 10655 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | Eligible |
| 10656 |  | XXX | XXXXXX | XXX | XXX | 69.19% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10657 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Eligible |
| 10659 |  | XXX | XXXXXX | XXX | XXX | 90% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | Eligible |
| 10660 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10661 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10662 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | Eligible |
| 10663 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10664 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10665 |  | XXX | XXXXXX | XXX | XXX | 48.35% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10666 |  | XXX | XXXXXX | XXX | XXX | 65.44% | XX/XX/XXXX | XXX | Form 1025 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 10667 |  | XXX | XXXXXX | XXX | XXX | 46.9% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | Eligible |
| 10668 |  | XXX | XXXXXX | XXX | XXX | 65% | XX/XX/XXXX | XXX | Form 1025 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 10669 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | -$23000.00 | -3.37% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 10670 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | Eligible |
| 10671 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Eligible |
| 10672 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| 10673 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | Eligible |
| 10674 |  | XXX | XXXXXX | XXX | XXX | 68.21% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| 10675 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |
| 10676 |  | XXX | XXXXXX | XXX | XXX | 65.22% | XX/XX/XXXX | XXX | Form 1025 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 10677 |  | XXX | XXXXXX | XXX | XXX | 49.95% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10678 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  | XXX | XX/XX/XXXX | XXX | -$59939.00 | 92 | -8.56% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |
| 10679 |  | XXX | XXXXXX | XXX | XXX | 58.46% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 10552 |  | XXX | XXXXXX | XXX | XXX | 60% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10553 |  | XXX | XXXXXX | XXX | XXX | 65.22% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | Not Eligible |
| 10554 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10555 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10556 |  | XXX | XXXXXX | XXX | XXX | 43.19% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10557 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10559 |  | XXX | XXXXXX | XXX | XXX | 72.91% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Eligible |
| 10560 |  | XXX | XXXXXX | XXX | XXX | 39.26% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10561 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10562 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10563 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | Form 1073 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10564 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Eligible |
| 10565 |  | XXX | XXXXXX | XXX | XXX | 89.5% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10558 |  | XXX | XXXXXX | XXX | XXX | 89.9% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10683 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | Form 1073 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | Not Eligible |
| 10682 |  | XXX | XXXXXX | XXX | XXX | 70% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Eligible |
| 10681 |  | XXX | XXXXXX | XXX | XXX | 65% | XX/XX/XXXX | XXX | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10680 |  | XXX | XXXXXX | XXX | XXX | 70% | XX/XX/XXXX | XXX | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10658 |  | XXX | XXXXXX | XXX | XXX | 42.86% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10685 |  | XXX | XXXXXX | XXX | XXX | 75% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  | XXX | XX/XX/XXXX | XXX | $30346.00 | 93 | 9.82% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10686 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |  |
| 10687 |  | XXX | XXXXXX | XXX | XXX | 55.85% | XX/XX/XXXX | XXX | Form 1025 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 10688 |  | XXX | XXXXXX | XXX | XXX | 79.99% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 10684 |  | XXX | XXXXXX | XXX | XXX | 80% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.10

[HOMES 2023-NQM1 ABS-15G](homes-abs15g_020223.htm)

**EXHIBIT 99.10**

---

| | | | |
|:---|:---|:---|:---|
| **Loan Number** | **Pool ID** | **Alternate Loan Number** | **Original Balance** |
| 10468 |  | XXX | XXXXXX A |
| 10469 |  | XXX | XXXXXX A |
| 10470 |  | XXX | XXXXXX C A B |
| 10471 |  | XXX | XXXXXX A |
| 10472 |  | XXX | XXXXXX A C |
| 10473 |  | XXX | XXXXXX C A B |
| 10474 |  | XXX | XXXXXX A C B |
| 10475 |  | XXX | XXXXXX A |
| 10476 |  | XXX | XXXXXX A |
| 10477 |  | XXX | XXXXXX C A B |
| 10478 |  | XXX | XXXXXX A C B |
| 10479 |  | XXX | XXXXXX A C B |
| 10480 |  | XXX | XXXXXX C A B |
| 10481 |  | XXX | XXXXXX A C B |
| 10482 |  | XXX | XXXXXX C A B |
| 10483 |  | XXX | XXXXXX A |
| 10484 |  | XXX | XXXXXX A C B |
| 10485 |  | XXX | XXXXXX D C A |
| 10486 |  | XXX | XXXXXX A |
| 10487 |  | XXX | XXXXXX A |
| 10488 |  | XXX | XXXXXX D C A |
| 10489 |  | XXX | XXXXXX C A B |
| 10490 |  | XXX | XXXXXX A |
| 10491 |  | XXX | XXXXXX A |
| 10492 |  | XXX | XXXXXX D C A B |
| 10493 |  | XXX | XXXXXX D C A |
| 10494 |  | XXX | XXXXXX A C B |
| 10495 |  | XXX | XXXXXX A |
| 10496 |  | XXX | XXXXXX A |
| 10497 |  | XXX | XXXXXX A |
| 10498 |  | XXX | XXXXXX C A |
| 10499 |  | XXX | XXXXXX A |
| 10500 |  | XXX | XXXXXX C A |
| 10501 |  | XXX | XXXXXX A |
| 10502 |  | XXX | XXXXXX A |
| 10503 |  | XXX | XXXXXX A C B |
| 10504 |  | XXX | XXXXXX A |
| 10505 |  | XXX | XXXXXX A C D B |
| 10506 |  | XXX | XXXXXX C A B |
| 10507 |  | XXX | XXXXXX A |
| 10508 |  | XXX | XXXXXX A C B |
| 10509 |  | XXX | XXXXXX A |
| 10510 |  | XXX | XXXXXX A |
| 10511 |  | XXX | XXXXXX C A B |
| 10512 |  | XXX | XXXXXX A |
| 10513 |  | XXX | XXXXXX C A B |
| 10514 |  | XXX | XXXXXX C A B |
| 10515 |  | XXX | XXXXXX A |
| 10516 |  | XXX | XXXXXX C A |
| 10517 |  | XXX | XXXXXX A |
| 10518 |  | XXX | XXXXXX A C B |
| 10519 |  | XXX | XXXXXX A |
| 10520 |  | XXX | XXXXXX A |
| 10521 |  | XXX | XXXXXX D C A |
| 10522 |  | XXX | XXXXXX A |
| 10523 |  | XXX | XXXXXX C A B |
| 10524 |  | XXX | XXXXXX A |
| 10525 |  | XXX | XXXXXX C A B |
| 10526 |  | XXX | XXXXXX A |
| 10527 |  | XXX | XXXXXX A |
| 10528 |  | XXX | XXXXXX C A B |
| 10529 |  | XXX | XXXXXX C A |
| 10530 |  | XXX | XXXXXX C A |
| 10531 |  | XXX | XXXXXX C A B |
| 10532 |  | XXX | XXXXXX A |
| 10533 |  | XXX | XXXXXX A |
| 10534 |  | XXX | XXXXXX B A |
| 10535 |  | XXX | XXXXXX A C B |
| 10536 |  | XXX | XXXXXX A |
| 10537 |  | XXX | XXXXXX A C B |
| 10538 |  | XXX | XXXXXX A |
| 10539 |  | XXX | XXXXXX A |
| 10540 |  | XXX | XXXXXX A |
| 10541 |  | XXX | XXXXXX D C A B |
| 10542 |  | XXX | XXXXXX A C B |
| 10543 |  | XXX | XXXXXX A C B |
| 10544 |  | XXX | XXXXXX A |
| 10545 |  | XXX | XXXXXX C A B |
| 10546 |  | XXX | XXXXXX A |
| 10547 |  | XXX | XXXXXX A |
| 10550 |  | XXX | XXXXXX A C B |
| 10548 |  | XXX | XXXXXX A C B |
| 10551 |  | XXX | XXXXXX A C B |
| 10549 |  | XXX | XXXXXX A C B |
| 10552 |  | XXX | XXXXXX C A B |
| 10553 |  | XXX | XXXXXX C A |
| 10554 |  | XXX | XXXXXX D C A B |
| 10555 |  | XXX | XXXXXX A C B |
| 10556 |  | XXX | XXXXXX C A B |
| 10557 |  | XXX | XXXXXX C A B |
| 10558 |  | XXX | XXXXXX C A B |
| 10559 |  | XXX | XXXXXX D C A B |
| 10560 |  | XXX | XXXXXX A |
| 10561 |  | XXX | XXXXXX D C A |
| 10562 |  | XXX | XXXXXX A |
| 10563 |  | XXX | XXXXXX A C |
| 10564 |  | XXX | XXXXXX C B |
| 10565 |  | XXX | XXXXXX C D A B |
| 10566 |  | XXX | XXXXXX C A B |
| 10567 |  | XXX | XXXXXX C A |
| 10568 |  | XXX | XXXXXX A |
| 10569 |  | XXX | XXXXXX C A B |
| 10570 |  | XXX | XXXXXX A D |
| 10571 |  | XXX | XXXXXX A |
| 10572 |  | XXX | XXXXXX D C A B |
| 10573 |  | XXX | XXXXXX C D B A |
| 10574 |  | XXX | XXXXXX A |
| 10575 |  | XXX | XXXXXX C A B |
| 10576 |  | XXX | XXXXXX C A B |
| 10577 |  | XXX | XXXXXX C A D |
| 10578 |  | XXX | XXXXXX C A B |
| 10579 |  | XXX | XXXXXX A D |
| 10580 |  | XXX | XXXXXX C A |
| 10581 |  | XXX | XXXXXX A |
| 10582 |  | XXX | XXXXXX A |
| 10583 |  | XXX | XXXXXX C A B |
| 10584 |  | XXX | XXXXXX A C B |
| 10585 |  | XXX | XXXXXX A D |
| 10586 |  | XXX | XXXXXX D C A |
| 10587 |  | XXX | XXXXXX C A |
| 10588 |  | XXX | XXXXXX D C A B |
| 10589 |  | XXX | XXXXXX C A B |
| 10590 |  | XXX | XXXXXX A D |
| 10591 |  | XXX | XXXXXX A C B |
| 10592 |  | XXX | XXXXXX A D |
| 10593 |  | XXX | XXXXXX A |
| 10594 |  | XXX | XXXXXX A |
| 10595 |  | XXX | XXXXXX C A B |
| 10596 |  | XXX | XXXXXX D C A B |
| 10597 |  | XXX | XXXXXX A |
| 10598 |  | XXX | XXXXXX C D B A |
| 10599 |  | XXX | XXXXXX C A B |
| 10600 |  | XXX | XXXXXX A D |
| 10601 |  | XXX | XXXXXX A |
| 10602 |  | XXX | XXXXXX C A |
| 10603 |  | XXX | XXXXXX A |
| 10604 |  | XXX | XXXXXX D C A |
| 10605 |  | XXX | XXXXXX A D |
| 10606 |  | XXX | XXXXXX A C B |
| 10607 |  | XXX | XXXXXX C A D |
| 10608 |  | XXX | XXXXXX D C A B |
| 10609 |  | XXX | XXXXXX A |
| 10610 |  | XXX | XXXXXX D C A |
| 10611 |  | XXX | XXXXXX A |
| 10612 |  | XXX | XXXXXX C A |
| 10613 |  | XXX | XXXXXX A |
| 10614 |  | XXX | XXXXXX A |
| 10615 |  | XXX | XXXXXX A D |
| 10616 |  | XXX | XXXXXX C A B |
| 10617 |  | XXX | XXXXXX A |
| 10618 |  | XXX | XXXXXX C A |
| 10619 |  | XXX | XXXXXX C A |
| 10620 |  | XXX | XXXXXX A |
| 10621 |  | XXX | XXXXXX A D |
| 10622 |  | XXX | XXXXXX A |
| 10623 |  | XXX | XXXXXX C A D |
| 10624 |  | XXX | XXXXXX A |
| 10625 |  | XXX | XXXXXX A D |
| 10626 |  | XXX | XXXXXX C A B |
| 10627 |  | XXX | XXXXXX A |
| 10628 |  | XXX | XXXXXX D C A |
| 10629 |  | XXX | XXXXXX D C A B |
| 10630 |  | XXX | XXXXXX D C B A |
| 10631 |  | XXX | XXXXXX A D |
| 10632 |  | XXX | XXXXXX C A B |
| 10633 |  | XXX | XXXXXX A |
| 10634 |  | XXX | XXXXXX A D |
| 10635 |  | XXX | XXXXXX A |
| 10636 |  | XXX | XXXXXX A |
| 10637 |  | XXX | XXXXXX D C A B |
| 10638 |  | XXX | XXXXXX A C B |
| 10639 |  | XXX | XXXXXX A |
| 10640 |  | XXX | XXXXXX A C B |
| 10641 |  | XXX | XXXXXX C B A |
| 10642 |  | XXX | XXXXXX D C A B |
| 10643 |  | XXX | XXXXXX A D C |
| 10644 |  | XXX | XXXXXX A D |
| 10645 |  | XXX | XXXXXX A C B |
| 10646 |  | XXX | XXXXXX C A B |
| 10647 |  | XXX | XXXXXX C A B |
| 10648 |  | XXX | XXXXXX C A B |
| 10649 |  | XXX | XXXXXX C A B |
| 10650 |  | XXX | XXXXXX A D |
| 10651 |  | XXX | XXXXXX D C A |
| 10652 |  | XXX | XXXXXX A |
| 10653 |  | XXX | XXXXXX C A |
| 10654 |  | XXX | XXXXXX A D |
| 10655 |  | XXX | XXXXXX A C B |
| 10656 |  | XXX | XXXXXX A |
| 10657 |  | XXX | XXXXXX A |
| 10658 |  | XXX | XXXXXX A |
| 10659 |  | XXX | XXXXXX A C B |
| 10660 |  | XXX | XXXXXX C A |
| 10661 |  | XXX | XXXXXX A C |
| 10662 |  | XXX | XXXXXX D C A |
| 10663 |  | XXX | XXXXXX A C B |
| 10664 |  | XXX | XXXXXX C A B |
| 10665 |  | XXX | XXXXXX A |
| 10666 |  | XXX | XXXXXX D C A |
| 10667 |  | XXX | XXXXXX A |
| 10668 |  | XXX | XXXXXX A D |
| 10669 |  | XXX | XXXXXX A C D B |
| 10670 |  | XXX | XXXXXX C A B |
| 10671 |  | XXX | XXXXXX C A |
| 10672 |  | XXX | XXXXXX C A B |
| 10673 |  | XXX | XXXXXX C A |
| 10674 |  | XXX | XXXXXX C A B |
| 10675 |  | XXX | XXXXXX A |
| 10676 |  | XXX | XXXXXX A D |
| 10677 |  | XXX | XXXXXX A |
| 10678 |  | XXX | XXXXXX A C B |
| 10679 |  | XXX | XXXXXX A |
| 10680 |  | XXX | XXXXXX C A |
| 10681 |  | XXX | XXXXXX A |
| 10682 |  | XXX | XXXXXX A |
| 10683 |  | XXX | XXXXXX A |
| 10685 |  | XXX | XXXXXX C D B A |
| 10686 |  | XXX | XXXXXX C A B |
| 10687 |  | XXX | XXXXXX A C B |
| 10688 |  | XXX | XXXXXX A C B |
| 10684 |  | XXX | XXXXXX A C B |

---

## Exhibit 99.11

[HOMES 2023-NQM1 ABS-15G](homes-abs15g_020223.htm)

**EXHIBIT 99.11**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Account Number** | **Field ID** | **Original Field Value** | **Audit Value** | **Match** |
| 10474 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10481 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10488 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10489 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10490 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10495 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10497 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10510 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10512 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10513 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10516 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10518 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10519 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10520 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10521 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10522 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10534 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10538 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10540 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10541 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10543 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10545 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10553 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10556 | XXX | Property_Type | PUD | Townhouse (Do not report as PUD) | FALSE |
| 10556 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10557 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10569 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10571 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10574 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10578 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10585 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10588 | XXX | Property_Type | 1 Unit | PUD (Only for use with Single Family Detached Homes with PUD riders) | FALSE |
| 10593 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10594 | XXX | Property_Type | PUD | Single Family Detached (non PUD) | FALSE |
| 10594 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10595 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10596 | XXX | Number_Units | XXX | XXX | FALSE |
| 10598 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10601 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10602 | XXX | Property_Type | 1 Unit | Low Rise (4 or fewer stories) | FALSE |
| 10602 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10604 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10613 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10614 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10616 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10621 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10622 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10625 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10630 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10632 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10633 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10634 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10635 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10636 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10638 | XXX | Original_CLTV | 85 | 83.72 | FALSE |
| 10638 | XXX | Original_LTV | 85 | 83.72 | FALSE |
| 10638 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10641 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10642 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10645 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10651 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10655 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10657 | XXX | Property_Type | 1 Unit | PUD (Only for use with Single Family Detached Homes with PUD riders) | FALSE |
| 10657 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10659 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10660 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10666 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10668 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10669 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10670 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10672 | XXX | Property_Type | PUD | Townhouse (Do not report as PUD) | FALSE |
| 10673 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10675 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10676 | XXX | Number_Units | XXX | XXX | FALSE |
| 10679 | XXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 10681 | XXX | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 10687 | XXX | Original_CLTV | 65 | 55.85 | FALSE |
| 10687 | XXX | Original_LTV | 65 | 55.85 | FALSE |

---

## Exhibit 99.12

[HOMES 2023-NQM1 ABS-15G](homes-abs15g_020223.htm)

**EXHIBIT 99.12**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **ULI** | **Settlement Date** | **QM Type** | **Guideline Name** | **UW Guideline Author** | **UW Guideline Version Date** | **QM Regulation Failures** | **Bedroom Count** | **Approval Status** | **Correspondent Name** | **Pool** | **Loan Status** | **Loan Type** | **Product Type** | **Agency ID** | **ARM Hybrid Period** | **Number of Borrowers** | **Borrower 1 First Name** | **Borrower 1 Middle Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Middle Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Middle Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Middle Name** | **Borrower 4 Last Name** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower 1 Job** | **Job Yrs Borrower 1** | **Borrower 2 Job** | **Job Yrs Borrower 2** | **Borrower 3 Job** | **Job Yrs Borrower 3** | **Borrower 4 Job** | **Job Yrs Borrower 4** | **Borrower 1 Occupation** | **Borrower 1 Years In Field** | **Borrower 2 Occupation** | **Borrower 2 Years In Field** | **Borrower 3 Occupation** | **Borrower 3 Years In Field** | **Borrower 4 Occupation** | **Borrower 4 Years In Field** | **Borrower 1 First Time Buyer** | **Borrower 2 First Time Buyer** | **Borrower 3 First Time Buyer** | **Borrower 4 First Time Buyer** | **Representative Decision FICO Score** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrower 3 Citizenship** | **Borrower 4 Citizenship** | **Property Street Address** | **City** | **State** | **County** | **Zip** | **Application Date** | **Note Date** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **P&L Type** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Business & Personal Bank Statements** | **Months of Profit and Loss Statements** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Documentation Type** | **MI Company Name** | **Mortgage Insurance** | **MI Coverage Amount** | **MI Certificate Number** | **Flood Insurance Provided** | **Flood Policy Amount** | **Flood Expiration Date** | **Name of Flood Insurer** | **Flood Policy Number** | **Monthly Flood Payment** | **Flood Coverage Amount** | **Flood Policy Active** | **Flood Coverage Adeq** | **Flood Map Panel** | **Flood Mapped Date** | **Flood Certificate Number** | **Flood Certificate Date** | **Flood Vendor Name** | **Flood Zone** | **Flood Community** | **Flood Contract Type** | **Flood Program Type** | **Hazard Policy Amount** | **Hazard Expiration Date** | **Hazard Insurer Name** | **Hazard Policy Number** | **Hazard Coverage Amount** | **Hazard Coverage Active** | **Hazard Coverage Adeq** | **Front HTI Ratio** | **Back DTI Ratio** | **Liquid Assets** | **Total Assets** | **Reserves** | **Times 30 Days DQ on Prior Mortgage** | **Times 60 Days DQ on Prior Mortgage** | **Times 90 Days DQ on Prior Mortgage** | **Prior Bankruptcy Flag** | **Bankruptcy Filing Date** | **Prior Bankruptcy Chapter** | **Prior bankruptcy Discharge Date** | **Ever In Foreclosure** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **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)** | **Origination Lender** | **Late Charge Type** | **Late Charges Percent** | **APR** | **Temporary Buydown Flag** | **T4506 Income Supported** | **Total Subject Housing** | **Original P&I** | **PITI** | **T&I** | **HOA** | **Primary Housing Payment** | **Second Mortgage Payment** | **Months Reserves** | **Other Liens Payment** | **Silent Second Lien Flag** | **Second Lien Amount** | **Lease in Place<br> 1007/Lease in file** | **Market Rents** | **Subject Rental Income** | **Approved DSCR** | **Investment/No Ratio DSCR** | **LLC Flag** | **LLC Name** | **Third Borrower Original FICO Equifax** | **Third Borrower Original FICO Experian** | **Third Borrower Original FICO Trans Union** | **Third Borrower Asset Verification Level** | **Third Borrower Employment Indicator** | **Third Borrower Employment Verification Level** | **Third Borrower Income Verification Level** | **Number of Units** | **Guarantor** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** |
| 10686 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 3 | Not Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10552 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 2 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 3 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10553 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | Self-Employed | Self Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 50% | 50% |
| 10554 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Personal | 1.00 |  | 0 | 12 |  |  | 0 | 0 |  | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10555 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | Self-Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | Yes |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 2 | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10468 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10469 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 1 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | Self-Employed | Self Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 50% | 50% |
| 10470 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 2 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10471 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 3 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10556 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | Self-Employed | Not Employed | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Personal | 1.00 |  | 0 | 12 |  |  | 0 | 0 | 0 | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10472 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10557 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10558 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | FULL | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 2 |  |  |  | 0 | 2 | 0 | 2 | 2 | 3 | FULL |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10473 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | Present | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10559 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 24 | Personal | 1.00 |  | 0 | 24 |  |  | 0 | 0 |  | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10560 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10561 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 24 | Business | 1.00 |  | 0 |  | 24 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10562 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 2 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 3 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10563 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 2 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 3 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10564 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10474 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | Self-Employed | Self Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | Not Applicable |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 24 | Business | 1.00 |  | 0 |  | 24 |  | 0 | 0 | 0 | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | Yes | XX/XX/XXXX | Chpt 7 | XX/XX/XXXX | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 50% | 50% |
| 10475 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 5 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 |  | 0 | 0 | 3 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10565 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 2 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10566 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | Self-Employed | Self Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 24 | Business | 1.00 |  | 0 |  | 24 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 50% | 50% |
| 10476 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | Self-Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | ALT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10477 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 24 | Business | 1.00 |  | 0 |  | 24 |  | 0 | 0 | 0 | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10567 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10568 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 4 | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 |  | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10478 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | Self-Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10569 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10479 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 |  | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10570 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10480 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 |  | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | Yes | XX/XX/XXXX | Chpt 13 | XX/XX/XXXX | No |  | 1 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10571 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 24 | Business | 1.00 |  | 0 |  | 24 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | Present | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10481 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | Present | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10572 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 5 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | Self-Employed | Not Employed | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | Yes | Yes |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Personal | 1.00 |  | 0 | 12 |  |  | 0 | 0 | 0 | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10573 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10482 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | Self-Employed | Not Employed | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 24 | Business | 1.00 |  | 0 |  | 24 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10483 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 6 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10484 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 3 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10485 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 |  | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10574 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10575 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 24 | Business | 1.00 |  | 0 |  | 24 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10576 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 3 | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 3 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10577 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | Not Applicable |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 24 | Business | 1.00 |  | 0 |  | 24 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10578 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 2 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 |  | 0 | 0 | 3 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10486 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes |  |  |  | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 3 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10579 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 9 | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 |  | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10580 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10685 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10581 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | Self-Employed | Self Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 24 | Business | 1.00 |  | 0 |  | 24 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% | 100% |
| 10582 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10583 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10487 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 1 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 |  | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX | Yes | XXX |  |  |  |  |  |  |  | XXX | No |  |  |
| 10584 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 2 | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 24 | Personal | 1.00 |  | 0 | 24 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10585 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 |  | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10488 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 6 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 |  | 0 | 0 | 3 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10489 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | Present | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10490 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 3 | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10586 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 5 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | Self-Employed | Not Employed | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10587 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 5 | Not Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 3 | ALT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10588 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 7 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Personal | 1.00 |  | 0 | 12 |  |  | 0 | 0 |  | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10491 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 3 | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 |  | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 4.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10589 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10492 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | Self-Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 24 | Business | 1.00 |  | 0 |  | 24 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10590 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 5 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 |  | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10591 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 5 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10592 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 8 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX | Yes | XXX |  |  |  |  |  |  |  | XXX | No |  |  |
| 10593 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 1 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | No | XXX |  | XXX | XXX | Yes | XXX |  |  |  |  |  |  |  | XXX | No |  |  |
| 10594 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 24 | Business | 1.00 |  | 0 |  | 24 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10595 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | FULL | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 2 |  |  |  | 0 | 1 | 2 | 2 | 0 | 3 | FULL |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Present | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10493 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10596 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 7 | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 3 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10597 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 6 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10598 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Personal | 1.00 |  | 0 | 12 |  |  | 0 | 0 | 0 | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10599 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 |  | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | Present | XXX |  |  |  | XXX |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10600 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | FULL | 2 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 3 | FULL |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10601 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 |  | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10602 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 2 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 3 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10603 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | FULL | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 |  | 0 | 0 | 0 | FULL |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10494 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 24 | Business | 1.00 |  | 0 |  | 24 |  | 0 | 0 |  | 0 | 2 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10495 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 2 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 |  | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10604 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 24 | Business | 1.00 |  | 0 |  | 24 |  | 0 | 0 |  | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10605 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 4 | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 |  | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10496 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 3 | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10497 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10606 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 2 | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | ALT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10607 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 4 | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 3 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10498 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 2 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | Present | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10608 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 |  | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10609 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 3 | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10610 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 2 | 2 | 1 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10611 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Personal | 1.00 |  | 0 | 12 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | Present | XXX |  |  |  | XXX |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10612 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | ASSET DEPLETION | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | Yes | No |  |  |  |  | 0 |  |  |  | 0 | 0 |  | 0 | 0 | 0 | ASSET DEPLETION |  | No |  |  | Present |  | XX/XX/XXXX | XXX | XXX |  | XXX | 1 |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10499 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 2 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 |  | 0 | 0 | 3 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10613 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | Self-Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10614 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 2 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | Self-Employed | Self Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 50% | 50% |
| 10615 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 3 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10616 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 2 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | Self-Employed | Not Employed | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10617 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10618 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | Self-Employed | Self Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 50% | 50% |
| 10619 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 3 | DSCR |  | No |  |  | Present | XXX |  |  |  | XXX |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10500 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 2 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | ALT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10620 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | Self-Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 24 | Business | 1.00 |  | 0 |  | 24 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10501 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 1 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 |  | 0 | 0 | 0 | DSCR |  | No |  |  | Present | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 0 |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10621 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 5 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 3 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10622 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 2 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10502 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 2 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 |  | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10623 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 2 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10503 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 2 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Personal | 1.00 |  | 0 | 12 |  |  | 0 | 0 | 0 | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10624 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | Self-Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 24 | Personal | 1.00 |  | 0 | 24 |  |  | 0 | 0 | 0 | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | Present | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10625 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 4 | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | 2 | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 2 | 0 | 3 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10626 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 4 | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 |  | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10627 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 |  | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10504 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | ALT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10628 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 24 | Business | 1.00 |  | 0 |  | 24 |  | 0 | 0 |  | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | Present | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10629 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | Self-Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | ALT |  | No |  |  | Present | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10505 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | ALT |  | No |  |  | Present | XXX |  |  |  | XXX |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10630 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 6 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10506 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 5 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 |  | 0 | 0 | 3 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10507 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 4 | Approved |  | XXX | QCComplete | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 |  | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10631 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 7 | 1 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10632 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 |  | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10633 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10634 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 24 | Business | 1.00 |  | 0 |  | 24 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10635 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 9 | 5 | 0 | No |  |  |  | Yes | XX/XX/XXXX | 1 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10636 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | FULL | 5 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 2 |  |  |  | 0 | 2 | 2 | 2 | 0 | 3 | FULL |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Present | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10508 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10637 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | FULL | 5 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 2 |  |  |  | 0 | 2 | 2 | 2 | 0 | 3 | FULL |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | Yes | XX/XX/XXXX | 1 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Present | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10638 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Personal | 1.00 |  | 0 | 12 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10639 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 2 | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10509 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 24 | Business | 1.00 |  | 0 |  | 24 |  | 0 | 0 |  | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10510 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business&Personal | 1.00 |  | 0 |  |  | 12 | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10640 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 5 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Personal | 1.00 |  | 0 | 12 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10511 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 2 | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 |  | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10512 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 5 | Not Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | Self-Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | Yes | Yes |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 50% |  |
| 10513 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | FULL | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 3 |  |  |  | 0 | 2 | 0 | 0 | 0 | 3 | FULL |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Present | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10514 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Not Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | Self-Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | Yes | Yes |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10641 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10642 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 5 | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | ALT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | Yes | XXX |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10643 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 8 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10515 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 8 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10644 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 8 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10645 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 3 | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | Self-Employed | Self Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 24 | Business | 1.00 |  | 0 |  | 24 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 50% | 50% |
| 10646 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Personal | 1.00 |  | 0 | 12 |  |  | 0 | 0 |  | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10647 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10648 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX |  | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10649 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 3 | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 |  | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10650 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 5 | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 |  | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10651 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 2 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 24 | Business | 1.00 |  | 0 |  | 24 |  | 0 | 0 |  | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10652 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 |  | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10653 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 5 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 |  | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10654 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 2 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10655 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 |  | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | Yes | XX/XX/XXXX | Chpt 13 | XX/XX/XXXX | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10656 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 3 | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 3 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | Yes | XX/XX/XXXX | Chpt 13 | XX/XX/XXXX | Yes | XX/XX/XXXX | 1 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10657 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10516 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 4 | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10517 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 6 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 |  | 0 | 0 | 0 | DSCR |  | No |  |  | Present | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10518 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 2 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | Self-Employed | Self Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | Yes | Yes |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 50% | 50% |
| 10519 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 3 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10520 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 |  | 0 | 0 | 0 | DSCR |  | No |  |  | Present | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10658 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 3 | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10521 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 7 | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 |  | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10659 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10522 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 5 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10523 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | FULL | 4 | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 2 |  |  |  | 0 | 2 | 2 | 2 | 0 | 3 | FULL |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Present | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10524 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10525 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10660 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 3 | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 2 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10526 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 2 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 24 | Business | 1.00 |  | 0 |  | 24 |  | 0 | 0 | 0 | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | Present | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10661 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10662 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10527 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 |  | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10663 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 2 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 3 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10664 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 5 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 0 | ALT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10528 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | Present | XXX |  |  |  | XXX |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX |  | XXX | XXX | Yes | XXX |  |  |  |  |  |  |  | XXX | No |  |  |
| 10665 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 |  | 0 | 0 | 3 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10666 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 2 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 3 | XXX |  | XXXXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | Yes |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX | 4 | Not Applicable | 1 | 1 | XXX | No |  |  |
| 10667 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 5 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10529 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 |  | 0 | 0 | 3 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10530 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 |  | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10668 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 4 | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | 2 | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 3 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10531 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 8 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10532 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 |  | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10533 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 |  | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10534 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 5 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10535 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 5 | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | Present | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Present | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10669 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | Self-Employed | Not Employed | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10536 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | Self-Employed | Self Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 50% | 50% |
| 10537 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | Self-Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | Yes | Yes |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 24 | Business | 1.00 |  | 0 |  | 24 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10687 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 4 | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10538 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10539 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 3 | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10670 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | Present | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10540 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10541 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 |  | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10688 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 24 | Business | 1.00 |  | 0 |  | 24 |  | 0 | 0 |  | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Dollar Amount | 0.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10542 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10671 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 3 | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10672 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | ASSET DEPLETION | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | Yes | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | ASSET DEPLETION |  | No |  |  | Present | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10543 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 2 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10673 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | Self-Employed | Not Employed | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10674 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX | Yes | XXX |  |  |  |  |  |  |  | XXX | No |  |  |
| 10675 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 2 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | Present | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10544 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10545 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | FULL | 7 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 2 |  |  |  | 0 | 1 | 0 | 2 | 1 | 3 | FULL |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Present | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10676 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 8 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 3 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10677 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX | Yes | XXX |  |  |  |  |  |  |  | XXX | No |  |  |
| 10678 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10546 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 4 | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 3 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10547 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10679 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 3 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10680 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 2 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 3 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10684 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 2 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10681 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | 2 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 | 0 | 0 | 0 | 3 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10682 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | FULL | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 2 |  |  |  | 0 | 2 | 2 | 0 | 0 | 2 | FULL |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 |  | No | Present | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10550 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 3 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | Self-Employed | Not Employed | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 24 | Business | 1.00 |  | 0 |  | 24 |  | 0 | 0 | 0 | 0 | 0 | 2 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10548 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 24 | Personal | 1.00 |  | 0 | 24 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Lesser of Percentage or Dollar Amount | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 10683 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 2 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10551 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 4 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Business | 1.00 |  | 0 |  | 12 |  | 0 | 0 | 0 | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 10549 | XXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | 2 | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 12 | Personal | 1.00 |  | 0 | 12 |  |  | 0 | 0 | 0 | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |

---

## Exhibit 99.13

[HOMES 2023-NQM1 ABS-15G](homes-abs15g_020223.htm)

**EXHIBIT 99.13**

![](ex9913001.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 |

---

1 \| P a g e

**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.

2 \| P a g e

**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 APF Holdings I, L.P. ("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 nineteen (19) mortgage loans that were originally reviewed from July 2022 to August 2022.

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

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

▪ "Compliance Review": 10 Mortgage
 Loans

**▪** "Credit Review": 19 Mortgage Loans

**▪** "Property Review" 19 Mortgage Loans

**▪** "Data Integrity" 19 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 nineteen (19) 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:

---

| | | | |
|:---|:---|:---|:---|
| &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 |  |

---

**(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 nineteen (19) 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.

3 \| P a g e

There were 5 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.

**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.

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**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 seven (7) mortgage loans with DSCR calculation. There were no mortgage loans that were classified as No Ratio loan 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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&nbsp;&nbsp;&nbsp;&nbsp;

**(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 nineteen (19) mortgage loans. For these nineteen (19) 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 ten (10) 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;

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

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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.

&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.

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&nbsp;&nbsp;&nbsp;&nbsp;

&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;

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

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&nbsp;&nbsp;&nbsp;&nbsp;

&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, Fitch Ratings, Inc. ("Fitch") and DBRS, Inc. ("DBRS").

**OVERALL RESULTS SUMMARY (19 Mortgage Loans)**

Infinity's review to NRSRO grading requirements covers nineteen (19) mortgage loans. Within those mortgage loans, Infinity graded eleven (11) mortgage loans as "A" and eight (8) mortgage loans as "B".

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Fitch Grade** | **#** | **#** | **#** | **#** |
| **Fitch Grade** | **Compliance** | **Credit** | **Property** | **Overall** |
| A | 10 | 11 | 19 | 11 |
| B | 0 | 8 | 0 | 8 |
| C | 0 | 0 | 0 | 0 |
| D | 0 | 0 | 0 | 0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Fitch Grade** | **#** | **#** | **#** | **#** |
| **Fitch Grade** | **Compliance** | **Credit** | **Property** | **Overall** |
| A | 100.00% | 57.89% | 100.00% | 57.89% |
| B | 0.00% | 42.11% | 0.00% | 42.11% |
| C | 0.00% | 0.00% | 0.00% | 0.00% |
| D | 0.00% | 0.00% | 0.00% | 0.00% |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **DBRS Grade** | **#** | **#** | **#** | **#** |
| **DBRS Grade** | **Compliance** | **Credit** | **Property** | **Overall** |
| A | 10 | 11 | 19 | 11 |
| B | 0 | 8 | 0 | 8 |
| C | 0 | 0 | 0 | 0 |
| D | 0 | 0 | 0 | 0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **DBRS Grade** | **#** | **#** | **#** | **#** |
| **DBRS Grade** | **Compliance** | **Credit** | **Property** | **Overall** |
| A | 100.00% | 57.89% | 100.00% | 57.89% |
| B | 0.00% | 42.11% | 0.00% | 42.11% |
| C | 0.00% | 0.00% | 0.00% | 0.00% |
| D | 0.00% | 0.00% | 0.00% | 0.00% |

---

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY (19 Mortgage Loans)**

Of the nineteen (19) mortgage loans reviewed, 5 (26.32%) mortgage loans had tape discrepancies across four (4) unique data fields.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Variances** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% # Loans** |
| &nbsp;&nbsp;B1 Credit Score | &nbsp;&nbsp;1 | &nbsp;&nbsp;19 | &nbsp;&nbsp;5.26% |
| &nbsp;&nbsp;Borrower DTI Ratio Percent | &nbsp;&nbsp;4 | &nbsp;&nbsp;19 | &nbsp;&nbsp;21.05% |
| &nbsp;&nbsp;Housing Ratio per U/W (Initial Rate) | &nbsp;&nbsp;2 | &nbsp;&nbsp;19 | &nbsp;&nbsp;10.53% |
| &nbsp;&nbsp;Purpose of Transaction per HUD-1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;19 | &nbsp;&nbsp;5.26% |

---

**ADDITIONAL LOAN POPULATION SUMMARY (19 Mortgage Loans)**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;**Fixed** | &nbsp;&nbsp;19 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$10192875.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**19** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$10192875.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;**1** | &nbsp;&nbsp;19 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$10192875.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**19** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$10192875.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi - Purpose/Unknown | &nbsp;&nbsp;6 | &nbsp;&nbsp;31.58% | &nbsp;&nbsp;$2961500.00 | &nbsp;&nbsp;29.06% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;2 | &nbsp;&nbsp;10.53% | &nbsp;&nbsp;$468000.00 | &nbsp;&nbsp;4.59% |
| &nbsp;&nbsp;Other than first time Home Purchase | &nbsp;&nbsp;11 | &nbsp;&nbsp;57.89% | &nbsp;&nbsp;$6763375.00 | &nbsp;&nbsp;66.35% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**19** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$10192875.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Amortization Term** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;240 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;10.53% | &nbsp;&nbsp;$1134000.00 | &nbsp;&nbsp;11.13% |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;17 | &nbsp;&nbsp;89.47% | &nbsp;&nbsp;$9058875.00 | &nbsp;&nbsp;88.87% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**19** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$10192875.00** | &nbsp;&nbsp;**100.00%** |

---

15 \| P a g e

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;10 | &nbsp;&nbsp;52.63% | &nbsp;&nbsp;$7882000.00 | &nbsp;&nbsp;77.33% |
| &nbsp;&nbsp;Investor | &nbsp;&nbsp;9 | &nbsp;&nbsp;47.37% | &nbsp;&nbsp;$2310875.00 | &nbsp;&nbsp;22.67% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**19** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$10192875.00** | &nbsp;&nbsp;**100.00%** |

---

**Exhibit A**

---

| |
|:---|
| **Guidelines** |
| TPR INV ICF Guidelines June 20 2022 |
| TPR INV ICF Matrix October 1 2021 |
| TPR INV Portfolio Program Guidelines May 26 2022 |
| TPR INV BS Matrix October 1 2021 |
| TPR INV Portfolio Program Guidelines May 26 2022 |

---

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## Exhibit 99.14

[HOMES 2023-NQM1 ABS-15G](homes-abs15g_020223.htm)

**EXHIBIT 99.14**

**Tape Discrepancies**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Dummy ID** | **Loan #1** | **Loan #2** | **Field** | **Loan Value** | **Tape Value** | **Variance** | **Variance %** | **Comment** | **Tape Source** | **Tape Type** |
| 5OZZSWY31VD | xx |  | B1 Credit Score | 770 | 733 | 37 | 5.04774% | The credit report dated 5/11/2022 reflects B1 Credit Score as 770. | Initial |  |
| 5OZZSWY31VD | xx |  | Borrower DTI Ratio Percent | 47.851% | 42.386% | 5.465% | 5.46500% | Total subject property PITIA (P&I $1,856.90 + Real Estate Taxes $157.27 + Hazard Insurance $60.25+ HOA Dues $57.92) equals $2,132.34 and monthly other debts equals $2,023.40. Total verified monthly income equals $8,684.78. Borrower DTI ratio equals 47.851%. | Initial |  |
| JH0Y4DCSYY2 | xx |  | Borrower DTI Ratio Percent | Unavailable | 357.054% |  |  | Loan is qualified with the DSCR program. | Initial |  |
| BQBTL3NTTWW | xx |  | Borrower DTI Ratio Percent | Unavailable | 427.728% |  |  | Loan is qualified with the DSCR program. | Initial |  |
| BQBTL3NTTWW | xx |  | Housing Ratio per U/W (Initial Rate) | Unavailable | 212.375% |  |  | Loan is qualified with the DSCR program. | Initial |  |
| XSH5A5JKTEE | xx |  | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | Final CD reflects Purpose of refinance as Cash-out. | Initial |  |
| TA2ZZLB5DWC | xx |  | Borrower DTI Ratio Percent | 56.438% | 37.840% | 18.598% | 18.59800% | Total subject property PITIA (P&I $14,148.09 + Real Estate Taxes $2,600.72 + Hazard Insurance $263.28) equals $17,012.09 and monthly other debts equals $6,161.02. Total verified monthly income equals $41,059.61. Borrower DTI ratio equals 56.438%. | Initial |  |
| TA2ZZLB5DWC | xx |  | Housing Ratio per U/W (Initial Rate) | 41.433% | 35.129% | 6.304% | 6.30400% | Total subject property PITIA (P&I $14,148.09 + Real Estate Taxes $2,600.72 + Hazard Insurance $263.28) equals $17,012.09. Total verified monthly income equals $41,059.61. Housing Ratio equals 41.433%. | Initial |  |

---

## Exhibit 99.15

[HOMES 2023-NQM1 ABS-15G](homes-abs15g_020223.htm)

**EXHIBIT 99.15**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Dummy ID** | **Loan Number 1** | **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** |
| 5OZZSWY31VD | xx |  | xx | xx | xx | Purchase | Non-QM/Compliant | 3 | 2 | Compliance | Compliance | 5OZZSWY31VD-L5G0OVLJ | Resolved | 3 | R | \* Missing Initial Closing Disclosure (Lvl R) | Missing initial loan estimate. Require initial loan estimate.<br>Received initial LE dated 06/01/2022 | Received initial LE dated 06/01/2022 | Received initial LE dated 06/01/2022 |  |  | QC Complete | 12/07/2022 | 12/07/2022 | 12/07/2022 | 12/07/2022 |
| 5OZZSWY31VD | xx |  | xx | xx | xx | Purchase | Non-QM/Compliant | 3 | 2 | Compliance | Compliance | 5OZZSWY31VD-T6JX6WMZ | Resolved | 3 | R | \* Closing_Disclosure violations (Lvl R) | As per Final CD closing date is xx, disbursement date is xx and borrower signed on xx. Require PC CD with corrected disbursement date.<br>Received PC CD with corrected disbursement date. | Received PC CD with corrected disbursement date. | Received PC CD with corrected disbursement date. |  |  | QC Complete | 12/07/2022 | 12/07/2022 | 12/07/2022 | 07/21/2022 |
| 5OZZSWY31VD | xx |  | xx | xx | xx | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | 5OZZSWY31VD-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | As per given Non Qm Exception Form Exception Request: Exception to proceed with deed Restricted Property. The Deed restriction is due to an age Requirement of the Community.<br>Exception approval with compensating factor<br>Housing Expense - Housing Expense - 25%<br> Excellent Credit History - 0\*30\*24 |  |  | Housing Expense - Housing Expense - 25%<br>Excellent Credit History - 0\*30\*24 |  | QC Complete | 12/07/2022 |  |  | 07/21/2022 |
| 5OZZSWY31VD | xx |  | xx | xx | xx | Purchase | Non-QM/Compliant | 3 | 2 | Compliance | Compliance | 5OZZSWY31VD-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 6.901% Allowed 6.680% Over by +0.221%<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 | 12/07/2022 | 12/07/2022 | 12/07/2022 | 08/02/2022 |
| J03FKQLX4UX | xx |  | xx | xx | xx | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Guidelines | J03FKQLX4UX-28GAQH2C | Resolved | 3 | R | \* Income documentation does not meet guidelines (Lvl R) | Original income calculation included bank statement from June 2021 till May 2022. Bank #xx statement for the month of May 2022 is missing in the loan file. Require bank #xx statement for the month of May 2022.<br>Received bank account #xx transaction history for the month of May 2022 | Received bank account #xx transaction history for the month of May 2022 | Received bank account #xx transaction history for the month of May 2022 |  |  | QC Complete | 12/07/2022 | 12/07/2022 | 12/07/2022 | 07/21/2022 |
| J03FKQLX4UX | xx |  | xx | xx | xx | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | J03FKQLX4UX-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: Charged 6.818% Allowed 6.660% Over by +0.158%<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 | 12/07/2022 | 12/07/2022 | 12/07/2022 | 12/07/2022 |
| J03FKQLX4UX | xx |  | xx | xx | xx | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | J03FKQLX4UX-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 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 6.818% Allowed 6.660% Over by +0.158%<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 | 12/07/2022 | 12/07/2022 | 12/07/2022 | 07/21/2022 |
| BQBTL3NTTWW | xx |  | xx | xx | xx | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | BQBTL3NTTWW-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan file does not meet guide requirement. Guide requires that, borrower must own a primary residence and, at least one (1) trade line must be a primary residential mortgage reporting for a minimum of twelve (12) months.<br>Exception approval with compensating factor<br>High Credit Score - 746<br> High Asset Reserves - 38.36 months |  |  | High Credit Score - 746<br>High Asset Reserves - 38.36 months |  | QC Complete | 12/07/2022 |  |  | 07/11/2022 |
| WRAWOUJTAEU | xx |  | xx | xx | xx | Purchase | Non-QM/Compliant | 3 | 1 | Valuation | Valuation | WRAWOUJTAEU-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Loan amount id greater than $1.5 MM. Require 2nd full appraisal to support original stated value.<br>Received 2nd full appraisal with valuation of xx | Received 2nd full appraisal with valuation of xx | Received 2nd full appraisal with valuation of xx |  |  | QC Complete | 12/07/2022 | 12/07/2022 | 12/07/2022 | 07/18/2022 |
| FO3OXK1BR02 | xx |  | xx | xx | xx | Cash Out | Non-QM/Compliant | 3 | 2 | Compliance | Compliance | FO3OXK1BR02-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 7.373% Allowed 6.810% Over by +0.563%.<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 | 12/07/2022 | 12/07/2022 | 12/07/2022 | 08/04/2022 |
| FO3OXK1BR02 | xx |  | xx | xx | xx | Cash Out | Non-QM/Compliant | 3 | 2 | Credit | Credit | FO3OXK1BR02-U0OKEMMW | Waived | 3 | W | \* Required Documentation Missing or Incomplete (Lvl W) | Loan file is missing residential pay history for the most recent 12 months. Require residential pay history for recent 12 months.<br>Exception approval with compensating factor<br>High Credit Score - 792<br> Low DTI Ratio - 1%<br> LTV% less than 70% - xx<br> High Residual Income - $400K/month |  |  | High Credit Score - 792<br>Low DTI Ratio - 1%<br>LTV% less than 70% - xx<br>High Residual Income - $400K/month |  | QC Complete | 12/07/2022 |  |  | 08/04/2022 |
| XFVJSYJC40G | xx |  | xx | xx | xx | Cash Out | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | XFVJSYJC40G-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 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 7.461% Allowed 7.380% Over by +0.081%<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 | 12/07/2022 | 12/07/2022 | 12/07/2022 | 07/21/2022 |
| XFVJSYJC40G | xx |  | xx | xx | xx | Cash Out | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | XFVJSYJC40G-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-price mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test Fail: Charged 7.461% Allowed 7.380% Over by +0.081%<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 | 12/07/2022 | 12/07/2022 | 12/07/2022 | 12/07/2022 |
| TA2ZZLB5DWC | xx |  | xx | xx | xx | Purchase | Non-QM/Compliant | 4 | 2 | Valuation | Valuation | TA2ZZLB5DWC-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Original loan amount is more than $1.5 MM. Loan file require a 2nd full appraisal to support the original stated value.<br>Received 2nd full appraisal | Received 2nd full appraisal | Received 2nd full appraisal |  |  | QC Complete | 07/27/2022 | 07/28/2022 | 07/28/2022 | 07/26/2022 |
| TA2ZZLB5DWC | xx |  | xx | xx | xx | Purchase | Non-QM/Compliant | 4 | 2 | Credit |  | TA2ZZLB5DWC-4ZA4ZEZQ | Waived | 4 | W | \* DTI > 50% (Lvl W) | Loan file is submitted with DTI of more than 50%. Loan file is missing final settlement/HUD/closing statement for current primary residence located xx. The DTI exceeds maximum allowed per the lending guide. Require settlement/HUD/closing statement for property located at xx.<br>Exception approval with compensating factor<br>High Credit Score - 787<br> High Asset Reserves - 32.99 months<br> High Residual Income - $27,953.92 |  |  | High Credit Score - 787<br>High Asset Reserves - 32.99 months<br>High Residual Income - $27,953.92 |  | QC Complete | 07/27/2022 |  |  | 07/26/2022 |
| W30QZDEEA15 | xx |  | xx | xx | xx | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | W30QZDEEA15-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | As per lending guide "Management VOR" is needed when borrower lives on rent however in the loan file we have received VOR from private individual along with receipts as borrower is making payment in cash, for the same we have received exception approval form.<br>Exception approval with compensating factor<br>Low DTI Ratio - 32.54%<br> Residual Income - Residual Income - 400% more than guide requirement<br> Excellent Credit History - 0\*30\*24 |  |  | Low DTI Ratio - 32.54%<br>Residual Income - Residual Income - 400% more than guide requirement<br>Excellent Credit History - 0\*30\*24 |  | QC Complete | 12/07/2022 |  |  | 07/18/2022 |
| W30QZDEEA15 | xx |  | xx | xx | xx | Purchase | Non-QM/Compliant | 2 | 2 | Compliance | Compliance | W30QZDEEA15-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 8.903% Allowed 6.680% Over by +2.223%.<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 | 12/07/2022 | 12/07/2022 | 12/07/2022 | 08/02/2022 |
| 2RI4ASD2UIU | xx |  | xx | xx | xx | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | 2RI4ASD2UIU-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan file does not meet guide requirement. Guide restricts business ownership at 100% for using business assets. Borrower ownership is at 50%.<br>Exception approval with compensating factor<br>High Credit Score - 754<br> High Residual Income - $24,064.00<br> Length of Time at Employment - Self employed since 2008 |  |  | High Credit Score - 754<br>High Residual Income - $24,064.00<br>Length of Time at Employment - Self employed since 2008 |  | QC Complete | 08/04/2022 |  |  | 08/04/2022 |
| ZEONKK0GM2M | xx |  | xx | xx | xx | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | ZEONKK0GM2M-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan file does not meet guide requirement. Guide requires at least one (1) trade line must be a primary residential mortgage reporting for a minimum of twelve (12) months. Loan file reflects borrower is a tenant for his/her primary residence.<br>Exception approval with compensating factor<br>Excellent Credit History - 0\*30\*24<br> High Asset Reserves - 12 months |  |  | Excellent Credit History - 0\*30\*24<br>High Asset Reserves - 12 months |  | QC Complete | 07/29/2022 |  |  | 07/28/2022 |
| GLWQJ0NJ0TI | xx |  | xx | xx | xx | Purchase | Not Covered/Exempt | 4 | 2 | Credit | Guidelines | GLWQJ0NJ0TI-J587LE2V | Waived | 4 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan file does not meet the guide requirement. Guide restricts a minimum loan amount of $150,000 and housing history to reflect for at least 12 months. <br>Exception approval with compensating factor<br>Excellent Credit History - 0\*30\*24<br> High Asset Reserves - 9 months of PITIA |  |  | Excellent Credit History - 0\*30\*24<br>High Asset Reserves - 9 months of PITIA |  | QC Complete | 12/07/2022 |  |  | 08/09/2022 |

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## Exhibit 99.16

[HOMES 2023-NQM1 ABS-15G](homes-abs15g_020223.htm)

**EXHIBIT 99.16**

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| **Dummy ID** | **Loan Number** | **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** | **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** |
| 5OZZSWY31VD | xx |  | xx | Arizona | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Closing_Disclosure violations - EV R<br> COMMENT: As per Final CD closing date is xx, disbursement date is xx and borrower signed on xx. Require PC CD with corrected disbursement date.<br>Received PC CD with corrected disbursement date.<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 6.901% Allowed 6.680% Over by +0.221%<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: Missing initial loan estimate. Require initial loan estimate.<br>Received initial LE dated 06/01/2022 | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: As per given Non Qm Exception Form Exception Request: Exception to proceed with deed Restricted Property. The Deed restriction is due to an age Requirement of the Community.<br>Exception approval with compensating factor<br>Housing Expense - Housing Expense - 25%<br> Excellent Credit History - 0\*30\*24 | Housing Expense - Housing Expense - 25%<br>Excellent Credit History - 0\*30\*24 | PUD | xx | xx | xx | Primary | Purchase | 746 |  | xx | 27 | $7776.28 | 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:<br> Max Days Dlq Last 12 Mos:<br> Verification Type:Credit Report |  | 47.851% | No | Alternative | QC Complete | 12/07/2022 |
| JH0Y4DCSYY2 | xx |  | xx | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | High Rise Condo (>=9 Stories) | xx | xx | xx | Investor | Purchase | 742 |  |  |  |  | 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 | 12/07/2022 |
| J03FKQLX4UX | xx |  | 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. 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: Charged 6.818% Allowed 6.660% Over by +0.158%<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 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 6.818% Allowed 6.660% Over by +0.158%<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) Income documentation does not meet guidelines - EV R<br> COMMENT: Original income calculation included bank statement from June 2021 till May 2022. Bank #xx statement for the month of May 2022 is missing in the loan file. Require bank #xx statement for the month of May 2022.<br>Received bank account #xx transaction history for the month of May 2022 |  |  | Single Family | xx | xx | xx | Primary | Purchase | 707 |  | xx | 2 | $17063.42 | 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 |  | 7.983% | Yes | Alternative | QC Complete | 12/07/2022 |
| BQBTL3NTTWW | xx |  | xx | Pennsylvania | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Loan file does not meet guide requirement. Guide requires that, borrower must own a primary residence and, at least one (1) trade line must be a primary residential mortgage reporting for a minimum of twelve (12) months.<br>Exception approval with compensating factor<br>High Credit Score - 746<br> High Asset Reserves - 38.36 months | High Credit Score - 746<br>High Asset Reserves - 38.36 months | Single Family | xx | xx | xx | Investor | Purchase | 746 |  | xx |  |  | 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 | 12/07/2022 |
| XSH5A5JKTEE | xx |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Primary | Cash Out | 780 | 24 | xx | 24 | $27603.99 | 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 | 41.135% |  | Alternative | QC Complete | 07/26/2022 |
| R0FCOWDOMYF | xx |  | xx | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | xx | xx | Investor | Purchase | 808 |  |  |  |  | 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 | 12/07/2022 |
| WRAWOUJTAEU | xx |  | xx | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Loan amount id greater than $1.5 MM. Require 2nd full appraisal to support original stated value.<br>Received 2nd full appraisal with valuation of xx |  |  | Single Family | xx | xx | xx | Primary | Purchase | 767 |  | xx | 13 | $56930.03 | 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 |  | 36.099% | No | Alternative | QC Complete | 12/07/2022 |
| FO3OXK1BR02 | xx |  | xx | Georgia | Non-QM/Compliant | 3 | 2 | 2 | 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. 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 7.373% Allowed 6.810% Over by +0.563%.<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). | \*\*\* (WAIVED) Required Documentation Missing or Incomplete - EV W<br> COMMENT: Loan file is missing residential pay history for the most recent 12 months. Require residential pay history for recent 12 months.<br>Exception approval with compensating factor<br>High Credit Score - 792<br> Low DTI Ratio - 1%<br> LTV% less than 70% - xx<br> High Residual Income - $400K/month | High Credit Score - 792<br>Low DTI Ratio - 1%<br>LTV% less than 70% - xx<br>High Residual Income - $400K/month | PUD | xx | xx | xx | Primary | Cash Out | 790 | 1.92 | xx | 10.16 | $455978.81 | 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 | 1.685% |  | Alternative | QC Complete | 12/07/2022 |
| 13UTGSA1DU4 | xx |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | xx | xx | Primary | Purchase | 800 |  | xx | 21 | $68198.01 | 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 |  | 21.547% | No | Alternative | QC Complete | 07/11/2022 |
| XFVJSYJC40G | xx |  | 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. 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-price mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test Fail: Charged 7.461% Allowed 7.380% Over by +0.081%<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 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 7.461% Allowed 7.380% Over by +0.081%<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). |  |  | Single Family | xx | xx | xx | Primary | Cash Out | 701 | 1.5 | xx | 3 | $6800.34 | 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 | 37.143% |  | Alternative | QC Complete | 12/07/2022 |
| 1FXMOYFR4WX | xx |  | xx | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Mid Rise Condo (5-8 Stories) | xx | xx | xx | Primary | Cash Out | 814 | 6 | xx | 20 | $135932.65 | 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 | xx | 4.785% |  | Alternative | QC Complete | 07/19/2022 |
| TA2ZZLB5DWC | xx |  | xx | California | Non-QM/Compliant | 4 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Original loan amount is more than $1.5 MM. Loan file require a 2nd full appraisal to support the original stated value.<br>Received 2nd full appraisal | \*\*\* (WAIVED) DTI > 50% - EV W<br> COMMENT: Loan file is submitted with DTI of more than 50%. Loan file is missing final settlement/HUD/closing statement for current primary residence located xx. The DTI exceeds maximum allowed per the lending guide. Require settlement/HUD/closing statement for property located at xx.<br>Exception approval with compensating factor<br>High Credit Score - 787<br> High Asset Reserves - 32.99 months<br> High Residual Income - $27,953.92 | High Credit Score - 787<br>High Asset Reserves - 32.99 months<br>High Residual Income - $27,953.92 | Single Family | xx | xx | xx | Primary | Purchase | 787 |  | xx | 10 | $41059.61 | Mos Reviewed:24<br> Times 1X30:20<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 |  | 56.438% | No | Full Documentation | QC Complete | 07/27/2022 |
| K2KCYRTUKPB | xx |  | xx | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | High Rise Condo (>=9 Stories) | xx | xx | xx | Investor | Purchase | 761 |  |  |  |  | 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 | 07/26/2022 |
| W30QZDEEA15 | xx |  | xx | Georgia | Non-QM/Compliant | 2 | 2 | 2 | 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. 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 8.903% Allowed 6.680% Over by +2.223%.<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). | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: As per lending guide "xx" is needed when borrower lives on rent however in the loan file we have received VOR from private individual along with receipts as borrower is making payment in cash, for the same we have received exception approval form.<br>Exception approval with compensating factor<br>Low DTI Ratio - 32.54%<br> Residual Income - Residual Income - 400% more than guide requirement<br> Excellent Credit History - 0\*30\*24 | Low DTI Ratio - 32.54%<br>Residual Income - Residual Income - 400% more than guide requirement<br>Excellent Credit History - 0\*30\*24 | PUD | xx | xx | xx | Primary | Purchase | 692 |  | xx | 4 | $18262.47 | 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 |  | 31.041% | Yes | Alternative | QC Complete | 12/07/2022 |
| 2RI4ASD2UIU | xx |  | xx | Florida | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Loan file does not meet guide requirement. Guide restricts business ownership at 100% for using business assets. Borrower ownership is at 50%.<br>Exception approval with compensating factor<br>High Credit Score - 754<br> High Residual Income - $24,064.00<br> Length of Time at Employment - Self employed since 2008 | High Credit Score - 754<br>High Residual Income - $24,064.00<br>Length of Time at Employment - Self employed since 2008 | High Rise Condo (>=9 Stories) | xx | xx | xx | Investor | Purchase | 754 |  | xx | 14 | $34031.32 | 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 |  | 29.130% | No | Alternative | QC Complete | 08/04/2022 |
| ZZN3SQVPFAY | xx |  | xx | Arizona | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | xx | xx | Investor | Cash Out | 758 |  |  |  |  | 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 | 07/11/2022 |
| ZEONKK0GM2M | xx |  | xx | New York | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Loan file does not meet guide requirement. Guide requires at least one (1) trade line must be a primary residential mortgage reporting for a minimum of twelve (12) months. Loan file reflects borrower is a tenant for his/her primary residence.<br>Exception approval with compensating factor<br>Excellent Credit History - 0\*30\*24<br> High Asset Reserves - 12 months | Excellent Credit History - 0\*30\*24<br>High Asset Reserves - 12 months | Single Family | xx | xx | xx | Investor | Purchase | 749 |  |  |  |  | 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 | 07/29/2022 |
| GLWQJ0NJ0TI | xx |  | xx | California | Not Covered/Exempt | 4 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Loan file does not meet the guide requirement. Guide restricts a minimum loan amount of $150,000 and housing history to reflect for at least 12 months. <br>Exception approval with compensating factor<br>Excellent Credit History - 0\*30\*24<br> High Asset Reserves - 9 months of PITIA | Excellent Credit History - 0\*30\*24<br>High Asset Reserves - 9 months of PITIA | Single Family | xx | xx | xx | Investor | Purchase | 742 |  | xx | 10 | $113953.97 | 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 |  | 2.829% | No | Alternative | QC Complete | 12/07/2022 |
| 4I5VT4BT2KW | xx |  | xx | Michigan | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 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 | xx |  |  | Alternative | QC Complete | 08/09/2022 |

---

## Exhibit 99.17

[HOMES 2023-NQM1 ABS-15G](homes-abs15g_020223.htm)

**EXHIBIT 99.17**

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Dummy ID** | **Loan Number** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **Final Overall Compliance Grade** | **DBRS INITIAL Compliance Grade** | **DBRS FINAL Compliance Grade** | **FITCH INITIAL Compliance Grade** | **FITCH FINAL Compliance Grade** | **KROLL INITIAL Compliance Grade** | **KROLL FINAL Compliance Grade** | **MOODY's INITIAL Compliance Grade** | **MOODY's FINAL Compliance Grade** | **S&P INITIAL Compliance Grade** | **S&P FINAL Compliance Grade** | **S&P INITIAL Property Grade** | **S&P FINAL Property Grade** |
| 13UTGSA1DU4 | xx | xx | California | xx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| 1FXMOYFR4WX | xx | xx | New York | xx | Primary | Cash Out A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| 2RI4ASD2UIU | xx | xx | Florida | xx | Investor | Purchase B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B CB | Not Applicable | Not Applicable | VA | VA |
| 4I5VT4BT2KW | xx | xx | Michigan | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| 5OZZSWY31VD | xx | xx | Arizona | xx | Primary | Purchase B | A D B | D | A D B | D | A D B | D | A D B | D | A D B CB | RD | RA | VA | VA |
| BQBTL3NTTWW | xx | xx | Pennsylvania | xx | Investor | Purchase B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B CB | Not Applicable | Not Applicable | VA | VA |
| FO3OXK1BR02 | xx | xx | Georgia | xx | Primary | Cash Out B | A D B | B | A D B | B | A D B | B | A D B | B | A D B CD CB | RB | RA | VA | VA |
| GLWQJ0NJ0TI | xx | xx | California | xx | Investor | Purchase B | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B CC CB | Not Applicable | Not Applicable | VA | VA |
| J03FKQLX4UX | xx | xx | California | xx | Primary | Purchase A | A D | B | A D | B | A D | B | A D | B | A D CD CA | RB | RA | VA | VA |
| JH0Y4DCSYY2 | xx | xx | Florida | xx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| K2KCYRTUKPB | xx | xx | Florida | xx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| R0FCOWDOMYF | xx | xx | New York | xx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| TA2ZZLB5DWC | xx | xx | California | xx | Primary | Purchase B | A C B | A | A D C B | A | A D C B | A | A D C B | A | A D C B CC CB | RA | RA | VD | VA |
| W30QZDEEA15 | xx | xx | Georgia | xx | Primary | Purchase B | A B | B | A B | B | A B | B | A B | B | A B CB | RB | RA | VA | VA |
| WRAWOUJTAEU | xx | xx | California | xx | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D CA | RA | RA | VD | VA |
| XFVJSYJC40G | xx | xx | California | xx | Primary | Cash Out A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| XSH5A5JKTEE | xx | xx | California | xx | Primary | Cash Out A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| ZEONKK0GM2M | xx | xx | New York | xx | Investor | Purchase B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B CB | Not Applicable | Not Applicable | VA | VA |
| ZZN3SQVPFAY | xx | xx | Arizona | xx | Investor | Cash Out A | Not Applicable A | Not Applicable | Not Applicable A | Not Applicable | Not Applicable A | Not Applicable | Not Applicable A | Not Applicable | Not Applicable A CA | Not Applicable | Not Applicable | VA | VA |

---

## Exhibit 99.18

[HOMES 2023-NQM1 ABS-15G](homes-abs15g_020223.htm)

**EXHIBIT 99.18**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Dummy ID** | **Loan Number 1** | **Loan Number 2** | **Loan Number 3** | **GSE Eligble Flag** | **DU/LP Approval** | **CDFI Flag** | **Underwriting Program** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Borr Years of Personal Tax Returns/Transcripts (1040's)** | **Co-Borr Years of Personal Tax Returns/Transcripts (1040's)** | **Borr Years of Business Tax Returns/Transcripts** | **Co-Borr Years of Business Tax Returns/Transcripts** | **Bank Statement Flag (Borr)** | **# of months Personal Bank statements (Borr)** | **# of months Business Bank statements (Borr)** | **Bank Statement Flag (Co-Borr)** | **# of months Personal Bank statements (Co-Borr)** | **# of months Business Bank statements (Co-Borr)** | **P&L Flag (Borr)** | **# of Months P&L (Borr)** | **Who Prepared the P&L** | **CPA Letter Flag (Borr)** | **# of Months CPA verified income (Borr)** | **P&L Flag (Co-Borr)** | **Who Prepared the P&L** | **# of Months P&L (Co-Borr)** | **CPA Letter Flag (Co-Borr)** | **# of Months CPA verified income (Co-Borr)** | **Asset Depletion Flag (DTI)** | **Partial Asset Depletion Flag (DTI)** | **Asset Depletion months amortized** | **Asset Utilzation Flag (No DTI)** | **Bespoke Eligible Assets** | **DSCR Flag** | **Lease in Place** | **DSCR (at Origination)** | **DSCR Calculation Method (at Orig)** | **DSCR Calc based on Short Term Rental Income Flag** | **Cross collateralized Loan Flag** | **Cross Collateralized Loan Release Provision** | **WVOE Flag (Borr)** | **# of Months of Income validated WVOE (Borr)** | **WVOE Form** | **WVOE Flag (Co-Borr)** | **# of Months of Income validated WVOE (Co-Borr)** | **WVOE Form (Co-Borr)** | **Income Doc Summary** | **BK Discharge date** | **Foreclosure Date** | **Short Sale Date** | **Deed In Lieu Date** | **TILA Status** | **Verification Safe Harbor Flag** | **Verification Safe Harbor Reference Document** | **ATR QM Total Points and Fees Audit** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Citizenship Indicator** | **Co Borrower Citizenship Indicator** | **Borrower Documentation Used to Determine Legal Residency** | **Co-Borrower Documentation Used to Determine Legal Residency** | **Loan closed in the name of an entity flag** | **Personal Guaranty Flag** | **Personal Guaranty Recourse to the Borrower Level** | **Guarantor Designation** |
| 5OZZSWY31VD | xx |  |  | No | Not Applicable |  | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable |  | Yes | Not Applicable | 12 |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable |  |  | No |  | No |  |  | Not Applicable |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | No |  |  | Employed | Not Applicable | US Citizen | US Citizen |  |  |  | No | Not Applicable | Not Applicable |
| JH0Y4DCSYY2 | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | No | 1.44316 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | No |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  |  | No | Not Applicable | Not Applicable |
| J03FKQLX4UX | xx |  |  | No | Not Applicable |  | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | Not Applicable | Not Applicable |  |  | No |  | No |  |  | Not Applicable |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | No |  |  | Employed | Not Applicable | US Citizen | Not Applicable |  |  |  | No | Not Applicable | Not Applicable |
| BQBTL3NTTWW | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | No | 1.41164 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | No |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  |  | No | Not Applicable | Not Applicable |
| XSH5A5JKTEE | xx |  |  | No | Not Applicable |  | 24 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 24 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | Not Applicable | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | No |  |  | Employed | Not Applicable | US Citizen | Not Applicable |  |  |  | No | Not Applicable | Not Applicable |
| R0FCOWDOMYF | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable |  | Unavailable |  | Not Applicable | Not Applicable | Not Applicable |  |  |  |  | Not Applicable | Unavailable |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.67657 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | No |  |  | Not Applicable | Not Applicable | US Citizen | US Citizen |  |  |  | Yes |  |  |
| WRAWOUJTAEU | xx |  |  | No | Not Applicable |  | 24 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable |  | Yes | Not Applicable | 24 |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | No |  |  | Employed | Not Applicable | US Citizen | US Citizen |  |  |  | No | Not Applicable | Not Applicable |
| FO3OXK1BR02 | xx |  |  | No | Not Applicable |  | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | Not Applicable | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | No |  |  | Employed | Not Applicable | US Citizen | Not Applicable |  |  |  | No | Not Applicable | Not Applicable |
| 13UTGSA1DU4 | xx |  |  | No | Not Applicable |  | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | Not Applicable | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | No |  |  | Employed | Not Applicable | US Citizen | Not Applicable |  |  |  | No | Not Applicable | Not Applicable |
| XFVJSYJC40G | xx |  |  | No | Not Applicable |  | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | Not Applicable | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | No |  |  | Employed | Not Applicable | US Citizen | Not Applicable |  |  |  | No | Not Applicable | Not Applicable |
| 1FXMOYFR4WX | xx |  |  | No | Not Applicable |  | 24 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 24 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | Not Applicable | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | No |  |  | Employed | Not Applicable | US Citizen | Not Applicable |  |  |  | No | Not Applicable | Not Applicable |
| TA2ZZLB5DWC | xx |  |  | No | Not Applicable |  | Full Documentation | 2+ Years | Not Applicable | Not Applicable |  | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | No |  |  | Employed | Not Applicable | US Citizen | US Citizen |  |  |  | No | Not Applicable | Not Applicable |
| K2KCYRTUKPB | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | No | 0.6873 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | No |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  |  | No | Not Applicable | Not Applicable |
| W30QZDEEA15 | xx |  |  | No | Not Applicable |  | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | Not Applicable | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | No |  |  | Employed | Not Applicable | US Citizen | Not Applicable |  |  |  | No | Not Applicable | Not Applicable |
| 2RI4ASD2UIU | xx |  |  | No | Not Applicable |  | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | Not Applicable | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | No |  |  | Employed | Not Applicable | US Citizen | Not Applicable |  |  |  | No | Not Applicable | Not Applicable |
| ZZN3SQVPFAY | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable |  | Unavailable |  | Not Applicable | Not Applicable | Not Applicable |  |  |  |  | Not Applicable | Unavailable |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.02798 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | No |  |  | Not Applicable | Not Applicable | US Citizen | US Citizen |  |  |  | No | Not Applicable | Not Applicable |
| ZEONKK0GM2M | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | No | 0.92746 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | No |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  |  | No | Not Applicable | Not Applicable |
| GLWQJ0NJ0TI | xx |  |  | No | Not Applicable |  | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | Not Applicable | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | No |  |  | Employed | Not Applicable | US Citizen | Not Applicable |  |  |  | No | Not Applicable | Not Applicable |
| 4I5VT4BT2KW | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | No | 1.34341 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | No |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  |  | No | Not Applicable | Not Applicable |

---

## Exhibit 99.19

[HOMES 2023-NQM1 ABS-15G](homes-abs15g_020223.htm)

**EXHIBIT 99.19**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| **Dummy ID** | **Customer Loan #** | **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** |
| 5OZZSWY31VD | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 7 |
| JH0Y4DCSYY2 | xx |  | xx | xx | xx | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  | xx | $0.00 | 0.000% | ClearCapital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2.6 |
| J03FKQLX4UX | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| BQBTL3NTTWW | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| XSH5A5JKTEE | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | ClearCapital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.6 |
| R0FCOWDOMYF | xx |  | xx | xx | xx | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  | xx | $0.00 | 0.000% | ClearCapital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.6 |
| WRAWOUJTAEU | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | $0.00 | 0.000% | Endeavor Appraisal, Inc | xx | Yes | 1 | 1.1 |
| FO3OXK1BR02 | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | ClearCapital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| 13UTGSA1DU4 | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | ClearCapital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| XFVJSYJC40G | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 1FXMOYFR4WX | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  | xx | $0.00 | 0.000% | ClearCapital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 3.7 |
| TA2ZZLB5DWC | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | xx | 6.379% | GPS Appraisal Services | xx | No | 4 | 3.4 |
| K2KCYRTUKPB | xx |  | xx | xx | xx | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2.3 |
| W30QZDEEA15 | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 2RI4ASD2UIU | xx |  | xx | xx | xx | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| ZZN3SQVPFAY | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| ZEONKK0GM2M | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2.5 |
| GLWQJ0NJ0TI | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 4I5VT4BT2KW | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1.3 |

---

## Exhibit 99.20

[HOMES 2023-NQM1 ABS-15G](homes-abs15g_020223.htm)

**EXHIBIT 99.20**

![(GRAPHIC)](ex9920001.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 APF Holdings I, L.P. ("Client"). The review was conducted between June 2022 and November 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 38 ATR-QM Exempt loans and 55 Non-QM loans for a total of 93 loans the "Final Securitization Population".

*<u>Credit Reviews (93):</u>*

During the Review, Selene performed a credit review on 93 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (93)</u>*

During the Review, Selene performed a compliance review on 93 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (93):</u>*

During the Review, Selene performed a property valuation review on 93 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (93):</u>*

During the Review, Selene performed a Data Integrity Review on 93 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 93 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;93 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;93 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;93 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;93 | &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, Fitch Ratings ("Fitch"), and DBRS, Inc. ("DBRS/Morningstar") 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>**

HomeXpress Non-QM Loan Program 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 93 mortgage loans, (ii) a Compliance Review on 93 mortgage loans (iii) a Valuation Review on 93 mortgage loans, and (iv) a Data Integrity Review on 93 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 93 mortgage loans; 80 mortgage loans had a rating grade of A, 13 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.

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;***Grades per loan (93 overall loans):*** | &nbsp;&nbsp;***Grades per loan (93 overall loans):*** | &nbsp;&nbsp;***Grades per loan (93 overall loans):*** | &nbsp;&nbsp;***Grades per loan (93 overall loans):*** | &nbsp;&nbsp;***Grades per loan (93 overall loans):*** | &nbsp;&nbsp;***Grades per loan (93 overall loans):*** | &nbsp;&nbsp;***Grades per loan (93 overall loans):*** | &nbsp;&nbsp;***Grades per loan (93 overall loans):*** |
| | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;43 | &nbsp;&nbsp;43 | &nbsp;&nbsp;46.24% | &nbsp;&nbsp;A | &nbsp;&nbsp;80 | &nbsp;&nbsp;80 | &nbsp;&nbsp;86.02% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;8 | &nbsp;&nbsp;8.60% | &nbsp;&nbsp;B | &nbsp;&nbsp;13 | &nbsp;&nbsp;13 | &nbsp;&nbsp;13.98% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;28 | &nbsp;&nbsp;28 | &nbsp;&nbsp;30.11% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;14 | &nbsp;&nbsp;14 | &nbsp;&nbsp;15.05% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |

---

Page **4** of **15**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** |
|  | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** |  | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;92 | &nbsp;&nbsp;92 | &nbsp;&nbsp;98.92% | &nbsp;&nbsp;A | &nbsp;&nbsp;81 | &nbsp;&nbsp;81 | &nbsp;&nbsp;87.10% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.08% | &nbsp;&nbsp;B | &nbsp;&nbsp;12 | &nbsp;&nbsp;12 | &nbsp;&nbsp;12.90% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |

---

---

| | | | |
|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;93 | &nbsp;&nbsp;93 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;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.

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.

Page **5** of **15**

**<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> 

i) review relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction; <br> ii) review relevant document to determine if there was dual compensation; and

Page **12** of **15**

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;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.

**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 99.21

[HOMES 2023-NQM1 ABS-15G](homes-abs15g_020223.htm)

**EXHIBIT 99.21**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Alternate Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 10321 | XXXX | XXXX A |
| XXXX | 10322 | XXXX | XXXX C A |
| XXXX | 10323 | XXXX | XXXX A |
| XXXX | 10324 | XXXX | XXXX A |
| XXXX | 10325 | XXXX | XXXX D C A |
| XXXX | 10326 | XXXX | XXXX A |
| XXXX | 10327 | XXXX | XXXX A C |
| XXXX | 10328 | XXXX | XXXX A D |
| XXXX | 10329 | XXXX | XXXX B A |
| XXXX | 10330 | XXXX | XXXX A |
| XXXX | 10334 | XXXX | XXXX A |
| XXXX | 10331 | XXXX | XXXX A |
| XXXX | 10332 | XXXX | XXXX D C A |
| XXXX | 10333 | XXXX | XXXX A |
| XXXX | 10335 | XXXX | XXXX A |
| XXXX | 10336 | XXXX | XXXX A |
| XXXX | 10024 | XXXX | XXXX A |
| XXXX | 10337 | XXXX | XXXX A |
| XXXX | 10115 | XXXX | XXXX C A |
| XXXX | 10025 | XXXX | XXXX A |
| XXXX | 10338 | XXXX | XXXX B A |
| XXXX | 10339 | XXXX | XXXX A |
| XXXX | 10340 | XXXX | XXXX C A D |
| XXXX | 10341 | XXXX | XXXX D A |
| XXXX | 10342 | XXXX | XXXX C A B |
| XXXX | 10343 | XXXX | XXXX A |
| XXXX | 10344 | XXXX | XXXX D A |
| XXXX | 10026 | XXXX | XXXX A |
| XXXX | 10345 | XXXX | XXXX A |
| XXXX | 10346 | XXXX | XXXX B A |
| XXXX | 10347 | XXXX | XXXX C A B |
| XXXX | 10027 | XXXX | XXXX A |
| XXXX | 10028 | XXXX | XXXX A |
| XXXX | 10029 | XXXX | XXXX A |
| XXXX | 10030 | XXXX | XXXX A |
| XXXX | 10002 | XXXX | XXXX A |
| XXXX | 10031 | XXXX | XXXX B A |
| XXXX | 10032 | XXXX | XXXX A |
| XXXX | 10033 | XXXX | XXXX C A |
| XXXX | 10034 | XXXX | XXXX A |
| XXXX | 10018 | XXXX | XXXX A |
| XXXX | 10035 | XXXX | XXXX A C |
| XXXX | 10019 | XXXX | XXXX A |
| XXXX | 10036 | XXXX | XXXX A |
| XXXX | 10037 | XXXX | XXXX A |
| XXXX | 10020 | XXXX | XXXX C A |
| XXXX | 10021 | XXXX | XXXX A |
| XXXX | 10022 | XXXX | XXXX D A |
| XXXX | 10023 | XXXX | XXXX C A |
| XXXX | 10126 | XXXX | XXXX A |
| XXXX | 10127 | XXXX | XXXX C A |
| XXXX | 10128 | XXXX | XXXX C A |
| XXXX | 10689 | XXXX | XXXX C A |
| XXXX | 10129 | XXXX | XXXX D A |
| XXXX | 10130 | XXXX | XXXX D A B |
| XXXX | 10131 | XXXX | XXXX A |
| XXXX | 10132 | XXXX | XXXX B A |
| XXXX | 10133 | XXXX | XXXX C A |
| XXXX | 10134 | XXXX | XXXX B A |
| XXXX | 10135 | XXXX | XXXX A |
| XXXX | 10136 | XXXX | XXXX C A |
| XXXX | 10137 | XXXX | XXXX C A B |
| XXXX | 10138 | XXXX | XXXX A |
| XXXX | 10691 | XXXX | XXXX A |
| XXXX | 10692 | XXXX | XXXX D A |
| XXXX | 10693 | XXXX | XXXX A |
| XXXX | 10694 | XXXX | XXXX C A |
| XXXX | 10695 | XXXX | XXXX C A |
| XXXX | 10696 | XXXX | XXXX A |
| XXXX | 10697 | XXXX | XXXX A |
| XXXX | 10698 | XXXX | XXXX B D A |
| XXXX | 10699 | XXXX | XXXX C B A |
| XXXX | 10700 | XXXX | XXXX A |
| XXXX | 10701 | XXXX | XXXX A |
| XXXX | 10702 | XXXX | XXXX A |
| XXXX | 10703 | XXXX | XXXX A |
| XXXX | 10704 | XXXX | XXXX C A B |
| XXXX | 10705 | XXXX | XXXX B A |
| XXXX | 10706 | XXXX | XXXX A C |
| XXXX | 10707 | XXXX | XXXX D A |
| XXXX | 10708 | XXXX | XXXX C A |
| XXXX | 10709 | XXXX | XXXX A |
| XXXX | 10710 | XXXX | XXXX A |
| XXXX | 10711 | XXXX | XXXX C A |
| XXXX | 10712 | XXXX | XXXX B A |
| XXXX | 10713 | XXXX | XXXX D A C |
| XXXX | 10779 | XXXX | XXXX C A |
| XXXX | 10780 | XXXX | XXXX D C A |
| XXXX | 10781 | XXXX | XXXX C A |
| XXXX | 10782 | XXXX | XXXX C A |
| XXXX | 10783 | XXXX | XXXX A |
| XXXX | 10784 | XXXX | XXXX A |
| XXXX | 10785 | XXXX | XXXX A |

---

## Exhibit 99.22

[HOMES 2023-NQM1 ABS-15G](homes-abs15g_020223.htm)

**EXHIBIT 99.22**

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| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Alternate 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 | 10322 |  | Closed | 2022-06-27 19:08 | 2022-12-16 15:34 | Resolved | 1 - Information C A | Credit | Credit | Deficient undewriting exception form. | XXXX | XXXX | Resolved-Borrower has 9 financed properties totaling $1,694,231 which is less than 10 financed properties and maximum of $4,000,000 required by the guideline. Finding resolved. (see uploaded documents). - Due Diligence Vendor-06/27/2022<br>| XXXX |  |  | TX | Investment | Refinance | Cash Out - Other | 510281 | N/A | N/A |
| XXXX | XXXX | 10325 |  | Closed | 2022-06-30 08:53 | 2022-07-22 15:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-07/01/2022 <br>Ready for Review-Document Uploaded. Please see the attached Flood Ins policy. Please clear the condition. - Seller-07/01/2022 <br>Open-Missing Flood Insurance Policy - Due Diligence Vendor-06/30/2022 | Ready for Review-Document Uploaded. Please see the attached Flood Ins policy. Please clear the condition. - Seller-07/01/2022<br>| Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-07/01/2022<br>| XXXX |  |  | FL | Investment | Purchase | NA | 524540 | N/A | N/A |
| XXXX | XXXX | 10325 |  | Closed | 2022-06-30 17:03 | 2022-07-06 14:43 | Resolved | 1 - Information C A | Compliance | Closing | The Deed of Trust is Not Executed | XXXX |  | XXXX |  |  |  | FL | Investment | Purchase | NA | 525470 | N/A | N/A |
| XXXX | XXXX | 10325 |  | Closed | 2022-06-30 17:04 | 2022-07-06 14:38 | Resolved | 1 - Information C A | Credit | Doc Issue | Not all borrowers signed HUD | XXXX | XXXX | Resolved-Acceptable explanation finding resolved. - Due Diligence Vendor-07/06/2022<br>|  |  |  | FL | Investment | Purchase | NA | 525476 | N/A | N/A |
| XXXX | XXXX | 10325 |  | Closed | 2022-06-30 17:03 | 2022-07-06 14:37 | Resolved | 1 - Information C A | Compliance | Compliance | Note; missing, illegible or incomplete. | XXXX | XXXX | Resolved-Acceptable explanation finding resolved. - Due Diligence Vendor-07/06/2022<br>|  |  |  | FL | Investment | Purchase | NA | 525471 | N/A | N/A |
| XXXX | XXXX | 10327 |  | Closed | 2022-07-01 06:56 | 2022-07-06 14:51 | Resolved | 1 - Information C A | Compliance | Closing | Final HUD-1 Closing Date does not match Transaction Date | XXXX | Ready for Review-Document Uploaded. Please see the attached Final Hud 1 showing closing date the Note and DOT are dated correctly the final hud 1 does not t have to be the same date as the NOTE/ DOT. Please clear the condition. - Seller-07/05/2022<br>| Resolved-Acceptable and acknowledged. Finding resolved - Due Diligence Vendor-07/06/2022<br>| XXXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 526577 | N/A | N/A |
| XXXX | XXXX | 10328 |  | Closed | 2022-07-05 09:52 | 2022-07-22 15:41 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 2 Ethnicity Selection is Not Provided | Resolved-Borrower 2 Ethnicity Selection is Provided or is Not Applicable (Number of Borrowers is 2) - Due Diligence Vendor-07/14/2022 <br>Rescinded-Borrower 2 Ethnicity Selection is Not Provided Will be resolved by open finding for Final 1003 for borrower 2 - Due Diligence Vendor-07/05/2022 |  | Resolved-Borrower 2 Ethnicity Selection is Provided or is Not Applicable (Number of Borrowers is 2) - Due Diligence Vendor-07/14/2022 <br>Rescinded-Borrower 2 Ethnicity Selection is Not Provided Will be resolved by open finding for Final 1003 for borrower 2 - Due Diligence Vendor-07/05/2022<br>|  |  |  | CA | Investment | Refinance | Cash Out - Other | 528198 | N/A | N/A |
| XXXX | XXXX | 10328 |  | Closed | 2022-07-05 09:52 | 2022-07-22 15:41 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 2 Gender Selection is Not Provided | Resolved-Borrower 2 Gender Selection is Provided or is Not Applicable (Number of Borrowers is 2) - Due Diligence Vendor-07/14/2022 <br>Rescinded-Borrower 2 Gender Selection is Not Provided Will be resolved by open finding for Final 1003 for borrower 2 - Due Diligence Vendor-07/05/2022 |  | Resolved-Borrower 2 Gender Selection is Provided or is Not Applicable (Number of Borrowers is 2) - Due Diligence Vendor-07/14/2022 <br>Rescinded-Borrower 2 Gender Selection is Not Provided Will be resolved by open finding for Final 1003 for borrower 2 - Due Diligence Vendor-07/05/2022<br>|  |  |  | CA | Investment | Refinance | Cash Out - Other | 528199 | N/A | N/A |
| XXXX | XXXX | 10328 |  | Closed | 2022-07-06 13:45 | 2022-07-22 15:41 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 2 Race Selection is Not Provided | Resolved-Borrower 2 Race Selection is Provided or is Not Applicable (Number of Borrowers is 2) - Due Diligence Vendor-07/14/2022 <br>Rescinded-Borrower 2 Race Selection is Not Provided - Due Diligence Vendor-07/06/2022 <br>Rescinded-Will be resolved by open finding for Final 1003 for borrower 2 - Due Diligence Vendor-07/06/2022 |  | Resolved-Borrower 2 Race Selection is Provided or is Not Applicable (Number of Borrowers is 2) - Due Diligence Vendor-07/14/2022 <br>Rescinded-Borrower 2 Race Selection is Not Provided - Due Diligence Vendor-07/06/2022 <br>Rescinded-Will be resolved by open finding for Final 1003 for borrower 2 - Due Diligence Vendor-07/06/2022<br>|  |  |  | CA | Investment | Refinance | Cash Out - Other | 530937 | N/A | N/A |
| XXXX | XXXX | 10328 |  | Closed | 2022-07-06 14:05 | 2022-07-22 15:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | XXXX | XXXX | Resolved-The Final 1003 is Present - Due Diligence Vendor-07/14/2022<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 531040 | N/A | N/A |
| XXXX | XXXX | 10329 |  | Closed | 2022-07-06 06:24 | 2022-12-15 23:26 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | XXXX |  | XXXX |  |  | 1. High reserves, 6 mos required (total 16..68 mos)<br> 2. High FICO score (currently 771)<br> 3. Mortgage history 0x30 | MO | Investment | Purchase | NA | 530370 | Originator Pre-Close | Yes |
| XXXX | XXXX | 10332 |  | Closed | 2022-07-19 00:39 | 2023-01-09 19:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Partially Provided | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-07/19/2022 <br>Ready for Review-Document Uploaded. Please see attached Flood Declarations Page which includes the premium. Please clear this exception. - Seller-07/19/2022 <br>Open-Flood Insurance Policy Partially Provided The provided flood insurance policy does not have a premium. Please provide updated documentation. - Due Diligence Vendor-07/19/2022 | Ready for Review-Document Uploaded. Please see attached Flood Declarations Page which includes the premium. Please clear this exception. - Seller-07/19/2022<br>| Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-07/19/2022<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 555893 | N/A | N/A |
| XXXX | XXXX | 10332 |  | Closed | 2022-07-18 21:12 | 2022-07-19 20:37 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | XXXX | XXXX | Resolved-No timing issues. finding resolved. - Due Diligence Vendor-07/19/2022<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 555638 | N/A | N/A |
| XXXX | XXXX | 10115 |  | Closed | 2022-07-25 05:43 | 2022-08-30 14:58 | Resolved | 1 - Information C A | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved- - Due Diligence Vendor-08/30/2022 <br>Open- - Due Diligence Vendor-08/30/2022 <br>Resolved-Per the guidelines we can go up to 80% with using the broker score 0f 680. - Due Diligence Vendor-07/30/2022 <br>Ready for Review-Document Uploaded. Per the guidelines we can go up to 80% with using the broker score 0f 680. Please see the attached guidelines and please clear the exception no exception is needed. <br>- Seller-07/29/2022 <br>Open-Audited HLTV of 80% exceeds Guideline HCLTV of 75% Per guidelines the maximum LTV for a DSCR purchase with 666 qualifying FICO is 75%. This loan is at 80% please provide exception or explanation. - Due Diligence Vendor-07/25/2022 | Ready for Review-Document Uploaded. Per the guidelines we can go up to 80% with using the broker score 0f 680. Please see the attached guidelines and please clear the exception no exception is needed. <br>- Seller-07/29/2022<br>| Resolved-Per the guidelines we can go up to 80% with using the broker score 0f 680. - Due Diligence Vendor-07/30/2022<br>| pg 136-137 GL.pdf |  |  | GA | Investment | Purchase | NA | 567299 | N/A | N/A |
| XXXX | XXXX | 10115 |  | Closed | 2022-07-25 05:43 | 2022-08-30 14:57 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved- - Due Diligence Vendor-08/30/2022 <br>Resolved-Per the guidelines we can go up to 80% with using the broker score 0f 680. - Due Diligence Vendor-07/30/2022 <br>Ready for Review-Document Uploaded. Per the guidelines we can go up to 80% with using the broker score 0f 680. Please see the attached guidelines and please clear the exception no exception is needed. - Seller-07/29/2022 <br>Open-Audited CLTV of 80% exceeds Guideline CLTV of 75% Per guidelines the maximum LTV for a DSCR purchase with 666 qualifying FICO is 75%. This loan is at 80% please provide exception or explanation. - Due Diligence Vendor-07/25/2022 | Ready for Review-Document Uploaded. Per the guidelines we can go up to 80% with using the broker score 0f 680. Please see the attached guidelines and please clear the exception no exception is needed. - Seller-07/29/2022<br>| Resolved-Per the guidelines we can go up to 80% with using the broker score 0f 680. - Due Diligence Vendor-07/30/2022<br>| pg 136-137 GL.pdf |  |  | GA | Investment | Purchase | NA | 567298 | N/A | N/A |
| XXXX | XXXX | 10115 |  | Closed | 2022-07-25 05:43 | 2022-08-30 14:57 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved- - Due Diligence Vendor-08/30/2022 <br>Resolved-Per the guidelines we can go up to 80% with using the broker score 0f 680. - Due Diligence Vendor-07/30/2022 <br>Ready for Review-Document Uploaded. Per the guidelines we can go up to 80% with using the broker score 0f 680. Please see the attached guidelines and please clear the exception no exception is needed. - Seller-07/29/2022 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 75% Per guidelines the maximum LTV for a DSCR purchase with 666 qualifying FICO is 75%. This loan is at 80% please provide exception or explanation. - Due Diligence Vendor-07/25/2022 | Ready for Review-Document Uploaded. Per the guidelines we can go up to 80% with using the broker score 0f 680. Please see the attached guidelines and please clear the exception no exception is needed. - Seller-07/29/2022<br>| Resolved-Per the guidelines we can go up to 80% with using the broker score 0f 680. - Due Diligence Vendor-07/30/2022<br>| pg 136-137 GL.pdf |  |  | GA | Investment | Purchase | NA | 567300 | N/A | N/A |
| XXXX | XXXX | 10115 |  | Closed | 2022-08-08 20:03 | 2022-08-18 20:30 | Resolved | 1 - Information C A | Credit | Credit | DSCR is less than 1.00 | Resolved-Lender used higher market rent of $2100 on page 383 as rental income. DSCR = 2100/1870.8 = 1.12. Finding Resolved. - Due Diligence Vendor-08/18/2022 <br>Ready for Review-We used the 2nd appraisal for the value which was lower and should have also used the lower market rents from that appraisal as well. But used the higher market rents from Appraisal 1 which used 2 comps that were further away. Please clear the condition. <br>- Seller-08/17/2022 <br>Open-Calculated DSCR is 1650/1870.80 = 0.88 while the Tape Data is showing a DSCR of 1.12 Please Clarify or provide justification. - Due Diligence Vendor-08/08/2022 | Ready for Review-We used the 2nd appraisal for the value which was lower and should have also used the lower market rents from that appraisal as well. But used the higher market rents from Appraisal 1 which used 2 comps that were further away. Please clear the condition. <br>- Seller-08/17/2022<br>| Resolved-Lender used higher market rent of $2100 on page 383 as rental income. DSCR = 2100/1870.8 = 1.12. Finding Resolved. - Due Diligence Vendor-08/18/2022<br>|  |  |  | GA | Investment | Purchase | NA | 590334 | N/A | N/A |
| XXXX | XXXX | 10115 |  | Closed | 2022-07-25 06:29 | 2022-07-30 03:58 | Resolved | 1 - Information C A | Credit | Doc Issue | Data Discrepancy - Tape Data is Different to Original Document Data | Resolved-Per the guidelines we can go up to 80% with using the broker score 0f 680. - Due Diligence Vendor-07/30/2022 <br>Ready for Review-Document Uploaded. Please see the attached we went off the broker credit score which is 680 which we are allowed to use for this loan type in our system we used the broker credit score of 680. Please clear the exception. - Seller-07/28/2022 <br>Open-As per the Latest Appraisal form 1007 which is on Page 293 we are getting a DSCR value of 0.88, $1650/$1870.80 = 0.88<br> If we calculate DSCR with older Appraisal form 1007 which is on Page 251 we will get 1.12, $2100/$1870.80 = 1.12,<br> Originator considered the older value, we have updated latest one.<br>On tape data FICO score is updated from Old credit report which is on Page #193, True data's FICO score is updated from Latest credit report which is on Page #226 - Due Diligence Vendor-07/25/2022 | Ready for Review-Document Uploaded. Please see the attached we went off the broker credit score which is 680 which we are allowed to use for this loan type in our system we used the broker credit score of 680. Please clear the exception. - Seller-07/28/2022<br>| Resolved-Per the guidelines we can go up to 80% with using the broker score 0f 680. - Due Diligence Vendor-07/30/2022<br>| XXXX |  |  | GA | Investment | Purchase | NA | 567314 | N/A | N/A |
| XXXX | XXXX | 10338 |  | Closed | 2022-07-28 15:13 | 2022-12-15 23:47 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Loan Exception Letter Provided in File Pg: 180.<br> Exception Type: Other.<br> Current Guidelines: 12 Mo Housing History Required.<br> Exception Request: Exception for not being document housing payment history. Borrower has housing history. Currently Owns Property free & Clear. Borrower is not a FTHB.<br> - Due Diligence Vendor-07/28/2022 |  | Waived-Loan Exception Letter Provided in File Pg: 180.<br> Exception Type: Other.<br> Current Guidelines: 12 Mo Housing History Required.<br> Exception Request: Exception for not being document housing payment history. Borrower has housing history. Currently Owns Property free & Clear. Borrower is not a FTHB.<br> - Due Diligence Vendor-07/28/2022<br>|  |  | Compensating Factor: <br> Reserves: $33,000.<br> LTV: 70.70%<br> FICO: 751.<br> Years in Present Address: 5.<br> Mortgage History: 0x30. | FL | Investment | Purchase | NA | 575120 | Originator Pre-Close | Yes |
| XXXX | XXXX | 10339 |  | Closed | 2022-08-02 16:11 | 2022-08-08 15:11 | Resolved | 1 - Information C A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-08/08/2022 <br>Rescinded-Document acceptable - Due Diligence Vendor-08/04/2022 <br>Ready for Review-Document Uploaded. Please see attached Legible Final Settlement Statement. Please clear this exception. - Seller-08/03/2022 <br>Open-The provided HUD document is ineligible please provide a clearer document. - Due Diligence Vendor-08/02/2022 | Ready for Review-Document Uploaded. Please see attached Legible Final Settlement Statement. Please clear this exception. - Seller-08/03/2022<br>| Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-08/08/2022 <br>Rescinded-Document acceptable - Due Diligence Vendor-08/04/2022<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 579954 | N/A | N/A |
| XXXX | XXXX | 10340 |  | Closed | 2022-07-29 05:52 | 2022-08-02 13:59 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Primary Appraisal | Resolved-Validation Resolved - Due Diligence Vendor-08/02/2022 <br>Ready for Review-Document Uploaded. Please see attached appraisal. Please clear the condition. - Seller-08/01/2022 <br>Open-Primary Value has not been selected Please Provide Appraisal Report for Subject Property - Due Diligence Vendor-07/29/2022 | Ready for Review-Document Uploaded. Please see attached appraisal. Please clear the condition. - Seller-08/01/2022<br>| Resolved-Validation Resolved - Due Diligence Vendor-08/02/2022<br>| XXXX |  |  | CO | Investment | Refinance | Cash Out - Other | 576312 | N/A | N/A |
| XXXX | XXXX | 10340 |  | Closed | 2022-07-29 05:52 | 2022-08-02 13:59 | Resolved | 1 - Information C A | Property | Appraisal | Missing Core Valuation Product | Resolved-The valuation entries contain one of the core valuation types or all appraisals are waived. - Due Diligence Vendor-08/02/2022 <br>Ready for Review-Document Uploaded. Please see attached CU which supports the primary appraisal. Please clear the condition. - Seller-08/01/2022 <br>Open-None of the Valuation entries contain core valuation types. Please Provide Appraisal Report for Subject Property - Due Diligence Vendor-07/29/2022 | Ready for Review-Document Uploaded. Please see attached CU which supports the primary appraisal. Please clear the condition. - Seller-08/01/2022<br>| Resolved-The valuation entries contain one of the core valuation types or all appraisals are waived. - Due Diligence Vendor-08/02/2022<br>| XXXX |  |  | CO | Investment | Refinance | Cash Out - Other | 576313 | N/A | N/A |
| XXXX | XXXX | 10340 |  | Closed | 2022-07-29 08:37 | 2022-08-02 13:51 | Resolved | 1 - Information C A | Credit | Doc Issue | Data Discrepancy - Tape Data is Different to Original Document Data | Resolved-Appraisal report uploaded with completed form 1007. DSCR re-calculated as 1.01 - Due Diligence Vendor-08/02/2022 <br>Ready for Review-Document Uploaded. Please see attached appraisal with completed 1007. Please clear the condition. - Seller-08/01/2022 <br>Open-Calculated DSCR is 0.92. Considered Rent Amount from 1007 Pg #278 & PITIA from Diligence Final Look (Please Provide Appraisal Report) - Due Diligence Vendor-07/29/2022 | Ready for Review-Document Uploaded. Please see attached appraisal with completed 1007. Please clear the condition. - Seller-08/01/2022<br>| Resolved-Appraisal report uploaded with completed form 1007. DSCR re-calculated as 1.01 - Due Diligence Vendor-08/02/2022<br>| XXXX |  |  | CO | Investment | Refinance | Cash Out - Other | 576379 | N/A | N/A |
| XXXX | XXXX | 10341 |  | Closed | 2022-08-01 07:19 | 2022-08-09 15:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-08/09/2022 <br>Ready for Review-Document Uploaded. Please see updated Patriot act for and DL for the borrowers. Please clear the condition. - Seller-08/05/2022 <br>Open-Borrower 1 Citizenship Documentation Is Missing B1 Photo Identification is Missing, Provided USA PATRIOT CUSTOMER IDENTIFICATION VERIFICATION Pg: 620 is also Incomplete. - Due Diligence Vendor-08/01/2022 | Ready for Review-Document Uploaded. Please see updated Patriot act for and DL for the borrowers. Please clear the condition. - Seller-08/05/2022<br>| Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-08/09/2022<br>| XXXX |  |  | FL | Investment | Purchase | NA | 577880 | N/A | N/A |
| XXXX | XXXX | 10342 |  | Closed | 2022-08-03 02:50 | 2022-12-16 19:21 | Waived | 2 - Non-Material C B | Credit | Eligibility | Asset do not meet guidelines | XXXX | Ready for Review-Document Uploaded. Please see Approved Loan Exception. Please clear this exception. - Seller-08/04/2022<br>| Waived-Exception for home equity rule has been received - Due Diligence Vendor-12/16/2022<br>| XXXX |  | 1. Borrower has LOW DTI 16.09% <br> 2. 4 Years rental at primary <br> 3. With employer since 2013 | PA | Primary Residence | Purchase | NA | 581196 | Originator Pre-Close | Yes |
| XXXX | XXXX | 10344 |  | Closed | 2022-08-02 06:42 | 2022-08-09 15:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/09/2022 <br>Ready for Review-Document Uploaded. Please see attached flood cert for rile, please clear the condition. - Seller-08/08/2022 <br>Open-Missing Flood Certificate in Doc. - Due Diligence Vendor-08/02/2022 | Ready for Review-Document Uploaded. Please see attached flood cert for rile, please clear the condition. - Seller-08/08/2022<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/09/2022<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 579379 | N/A | N/A |
| XXXX | XXXX | 10346 |  | Closed | 2022-08-08 22:28 | 2022-10-18 22:08 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | XXXX |  | XXXX |  |  | FICO 760; Assets post close more than $110,739.76 | IL | Investment | Purchase | NA | 590768 | Investor Post-Close | No |
| XXXX | XXXX | 10347 |  | Closed | 2022-08-11 18:46 | 2023-01-13 17:25 | Waived | 2 - Non-Material B | Credit | Credit | Lender Approved Exceptions Stipulations Not Met | XXXX |  | Waived-31.725K equity guideline requirement of 50K not met - Due Diligence Vendor-01/13/2023 <br>Waived-Exception request found on pg. 943 in the file for the following: 50K net requirement and primary housing mortgage history. - Due Diligence Vendor-08/11/2022<br>|  |  | 778 fico score, <br> Seasoned investor <br> Meets trades with 5k line as well,<br> 99 months of solid payment history | PA | Investment | Refinance | Cash Out - Other | 598004 | Originator Post-Close | Yes |
| XXXX | XXXX | 10347 |  | Closed | 2022-08-10 17:14 | 2022-08-15 14:04 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | XXXX | Ready for Review-Document Uploaded. Please see the attached updated prelim showing the correct coverage amount. Please clear the condition. - Seller-08/12/2022<br>| Resolved-Title Coverage Amount of $103275 is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-08/15/2022 <br>Resolved-Lender's uploaded supporting document reflects a Title Coverage Amount of $103,275 which is the correct coverage amount of the subject property. Finding Resolved. - Due Diligence Vendor-08/15/2022<br>| Prelim-Title - updated_2022_08_12_@12_34_25.pdf |  |  | PA | Investment | Refinance | Cash Out - Other | 595283 | N/A | N/A |
| XXXX | XXXX | 10028 |  | Closed | 2022-08-18 16:43 | 2022-08-22 21:05 | Resolved | 1 - Information C A | Credit | Missing Doc | Missing Verification of Rent | Resolved-Document uploaded. Finding Resolved. - Due Diligence Vendor-08/22/2022 <br>Ready for Review-Document Uploaded. Please see the attached verification of rents. Please clear the exception. - Seller-08/19/2022 <br>Open-Document Uploaded. - Due Diligence Vendor-08/18/2022 <br>Open-Missing Verification of Rent Please provide evidence of rental history as required by the guidelines. - Due Diligence Vendor-08/18/2022 | Ready for Review-Document Uploaded. Please see the attached verification of rents. Please clear the exception. - Seller-08/19/2022<br>| Resolved-Document uploaded. Finding Resolved. - Due Diligence Vendor-08/22/2022<br>| Rent History Requirement.png<br>20220819165136678.pdf |  |  | TX | Investment | Refinance | Cash Out - Other | 610254 | N/A | N/A |
| XXXX | XXXX | 10031 |  | Closed | 2022-08-17 08:11 | 2022-08-18 14:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Asset do not meet guidelines | Waived-Equity Must be $50000 or higher per guidelines<br> - Due Diligence Vendor-08/17/2022 |  | Waived-Equity Must be $50000 or higher per guidelines<br> - Due Diligence Vendor-08/17/2022<br>|  |  | XXXX | IL | Investment | Purchase | NA | 606819 | Originator Pre-Close | Yes |
| XXXX | XXXX | 10033 |  | Closed | 2022-08-22 20:35 | 2022-09-02 21:25 | Resolved | 1 - Information B A | Compliance | Compliance | TRID CD disclosure violation; missing tax deductions information on Closing Disclosure. | Resolved-Taxes included in HOA - Due Diligence Vendor-09/02/2022 <br>Ready for Review-Property taxes are included in the HOA payment. Please clear the exception. - Seller-09/02/2022 <br>Open-The Final Disclosure on page 580 does not show that an escrow account was set up for property taxes which is contrary to Impound authorization on page 1087. Please clarification or justification. - Due Diligence Vendor-08/22/2022 | Ready for Review-Property taxes are included in the HOA payment. Please clear the exception. - Seller-09/02/2022<br>| Resolved-Taxes included in HOA - Due Diligence Vendor-09/02/2022<br>|  |  |  | CO | Primary Residence | Purchase | NA | 616066 | N/A | N/A |
| XXXX | XXXX | 10033 |  | Closed | 2022-08-19 11:21 | 2022-09-02 14:45 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Required Escrow Account Test | Resolved-Taxes included in HOA - Due Diligence Vendor-09/02/2022 <br>Ready for Review-Document Uploaded. . Property taxes are included in the HOA payment. - Seller-09/01/2022 <br>Open-This loan failed the higher-priced mortgage loan required escrow account test. (12 CFR §1026.35(b))This loan fails to collect reserves for either:The payment of homeowner's insurance and property taxes for properties that are not a condominium, high rise condominium, or planned unit development, orThe loan contains a custom fee with an associated attribute of "escrow or reserves" but the fee does not have a dollar value listed; orThe payment of property taxes for condominium, or high rise condominium, or planned unit development.Except as provided in 1026.35(b)(2) regarding exemptions, a creditor may not extend a higher-priced mortgage loan secured by a first lien on a consumer's principal dwelling unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance required by the creditor, such as insurance against loss of or damage to property, or against liability arising out of the ownership or use of the property, or insurance protecting the creditor against the consumer's default or other credit loss.Insurance premiums described in above need not be included in escrow accounts for loans secured by dwellings in condominiums, planned unit developments, or other common interest communities in which dwelling ownership requires participation in a governing association, where the governing association has an obligation to the dwelling owners to maintain a master policy insuring all dwellings.PLEASE NOTE:(1)This test does not consider whether the creditor complies with 12 CFR §1026.35(b)(2)(iii) regarding properties that are located in counties designated as either "rural" or "underserved" by the Consumer Financial Protection Bureau.(2)This test does not account for instances when mortgage insurance reserves must be escrowed based on 12 CFR §1026.35. See Higher-Priced Mortgage Loan Alert (below) for full escrow requirements. Please provide final CD reflecting property taxes escrow. page 580 - Due Diligence Vendor-08/19/2022 | Ready for Review-Document Uploaded. . Property taxes are included in the HOA payment. - Seller-09/01/2022<br>| Resolved-Taxes included in HOA - Due Diligence Vendor-09/02/2022<br>| XXXX |  |  | CO | Primary Residence | Purchase | NA | 611719 | N/A | N/A |
| XXXX | XXXX | 10033 |  | Closed | 2022-08-19 11:21 | 2022-09-02 14:45 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Required Escrow Account Test | Resolved-Taxes included in HOA - Due Diligence Vendor-09/02/2022 <br>Ready for Review-Document Uploaded. Property taxes are included in the HOA payment. Please clear the exception. - Seller-09/01/2022 <br>Open-This loan failed the higher-priced mortgage loan required escrow account test. (12 CFR §1026.35(b))This loan fails to collect reserves for either:The payment of homeowner's insurance and property taxes for properties that are not a condominium, high rise condominium, or planned unit development, orThe loan contains a custom fee with an associated attribute of "escrow or reserves" but the fee does not have a dollar value listed; orThe payment of property taxes for condominium, or high rise condominium, or planned unit development.Except as provided in 1026.35(b)(2) regarding exemptions, a creditor may not extend a higher-priced mortgage loan secured by a first lien on a consumer's principal dwelling unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance required by the creditor, such as insurance against loss of or damage to property, or against liability arising out of the ownership or use of the property, or insurance protecting the creditor against the consumer's default or other credit loss.Insurance premiums described in above need not be included in escrow accounts for loans secured by dwellings in condominiums, planned unit developments, or other common interest communities in which dwelling ownership requires participation in a governing association, where the governing association has an obligation to the dwelling owners to maintain a master policy insuring all dwellings.PLEASE NOTE:(1)This test does not consider whether the creditor complies with 12 CFR §1026.35(b)(2)(iii) regarding properties that are located in counties designated as either "rural" or "underserved" by the Consumer Financial Protection Bureau.(2)This test does not account for instances when mortgage insurance reserves must be escrowed based on 12 CFR §1026.35. See Higher-Priced Mortgage Loan Alert (below) for full escrow requirements. Please provide final CD reflecting property taxes escrow. page 580 - Due Diligence Vendor-08/19/2022 | Ready for Review-Document Uploaded. Property taxes are included in the HOA payment. Please clear the exception. - Seller-09/01/2022<br>| Resolved-Taxes included in HOA - Due Diligence Vendor-09/02/2022<br>| XXXX |  |  | CO | Primary Residence | Purchase | NA | 611720 | N/A | N/A |
| XXXX | XXXX | 10033 |  | Closed | 2022-08-19 17:10 | 2022-09-01 22:10 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | XXXX | Ready for Review-Document Uploaded. Property taxes are included in the HOA payment. Please clear the exception. - Seller-09/01/2022<br>| Resolved-Taxes included in HOA - Due Diligence Vendor-09/01/2022<br>| XXXX |  |  | CO | Primary Residence | Purchase | NA | 612812 | N/A | N/A |
| XXXX | XXXX | 10035 |  | Closed | 2022-08-25 08:03 | 2022-09-01 14:54 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | XXXX | XXXX | Resolved-Document acceptable - Due Diligence Vendor-09/01/2022<br>| Closing_Disclosure_Documents_2022_08_31_630fc6c8a150e.pdf |  |  | CA | Primary Residence | Purchase | NA | 620856 | N/A | N/A |
| XXXX | XXXX | 10020 |  | Closed | 2022-08-29 22:20 | 2022-08-31 19:30 | Resolved | 1 - Information C A | Credit | Doc Issue | Required rider to note is missing | Resolved-Riders required for investment properties this is a primary residence - Due Diligence Vendor-08/31/2022 <br>Ready for Review-Document Uploaded. The note does not have riders they only have addendums. Please see the attached DOT there are no riders for this loan see page 2 . Please clear the exception. - Seller-08/31/2022 <br>Open-Per guidelines a 1-4 family rider is required. Please provide. - Due Diligence Vendor-08/29/2022 | Ready for Review-Document Uploaded. The note does not have riders they only have addendums. Please see the attached DOT there are no riders for this loan see page 2 . Please clear the exception. - Seller-08/31/2022<br>| Resolved-Riders required for investment properties this is a primary residence - Due Diligence Vendor-08/31/2022<br>| Mortgage - Deed of Trust_2022_08_31_@10_13_47.pdf |  |  | CA | Primary Residence | Purchase | NA | 626700 | N/A | N/A |
| XXXX | XXXX | 10022 |  | Closed | 2022-08-30 15:01 | 2022-09-01 22:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-File updated - Due Diligence Vendor-09/01/2022 <br>Ready for Review-Document Uploaded. Please see the attached For sale by owner escrow instruction. Please clear the exception. - Seller-09/01/2022 <br>Open-Provide a copy of Purchase Contract. - Due Diligence Vendor-08/30/2022 | Ready for Review-Document Uploaded. Please see the attached For sale by owner escrow instruction. Please clear the exception. - Seller-09/01/2022<br>| Resolved-File updated - Due Diligence Vendor-09/01/2022<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 627399 | N/A | N/A |
| XXXX | XXXX | 10023 |  | Closed | 2022-08-31 14:31 | 2022-09-01 22:00 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | XXXX | XXXX | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/01/2022<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 629351 | N/A | N/A |
| XXXX | XXXX | 10023 |  | Closed | 2022-08-31 14:31 | 2022-09-01 22:00 | Resolved | 1 - Information C A | Credit | Eligibility | Potential Fraud Reflected on Fraud Report | XXXX | XXXX | Resolved-Potential Fraud Reflected on Fraud Report is Resolved or None Exists - Due Diligence Vendor-09/01/2022<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 629352 | N/A | N/A |
| XXXX | XXXX | 10127 |  | Closed | 2022-09-15 10:50 | 2023-01-11 20:55 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Client acknowledged tape data provided different to Diligence verified document calculations. Data Compare report details these differences. No guideline breach - Due Diligence Vendor-01/11/2023 <br>Resolved-Lender acknowledged - Due Diligence Vendor-10/04/2022 <br>Ready for Review-You are correct and we acknowledge the condition so please clear the condition - Seller-10/03/2022 <br>Open-There is difference of $13.40 in monthly Hazard Insurance resulting in DTI difference, finding already added for Difference in Hazard Insurance. - Due Diligence Vendor-09/15/2022 | Ready for Review-You are correct and we acknowledge the condition so please clear the condition - Seller-10/03/2022<br>| Resolved-Client acknowledged tape data provided different to Diligence verified document calculations. Data Compare report details these differences. No guideline breach - Due Diligence Vendor-01/11/2023 <br>Resolved-Lender acknowledged - Due Diligence Vendor-10/04/2022<br>|  |  |  | UT | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 652338 | N/A | N/A |
| XXXX | XXXX | 10127 |  | Closed | 2022-09-13 10:11 | 2022-09-19 19:28 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Business Tax Returns Less Than 24 Months Provided | Resolved-Bank statements can be used in lieu of tax returns - Due Diligence Vendor-09/19/2022 <br>Ready for Review-Business tax return were not used to qualify - Seller-09/16/2022 <br>Open-Borrower 1 Business Tax Returns Less Than 24 Months Provided Per guidelines we require 2 years of tax returns - Due Diligence Vendor-09/13/2022 | Ready for Review-Business tax return were not used to qualify - Seller-09/16/2022<br>| Resolved-Bank statements can be used in lieu of tax returns - Due Diligence Vendor-09/19/2022<br>|  |  |  | UT | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 648503 | N/A | N/A |
| XXXX | XXXX | 10127 |  | Closed | 2022-09-13 12:00 | 2022-09-19 19:26 | Resolved | 1 - Information C A | Credit | Doc Issue | Missing proof of hazard insurance | XXXX | Ready for Review-Document Uploaded. Please see attached hazard ins - Seller-09/16/2022<br>| Resolved-File updated - Due Diligence Vendor-09/19/2022<br>| EOI-INV AMOUNT DUE 260.83_2022_09_16_@11_12_41.pdf |  |  | UT | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 648591 | N/A | N/A |
| XXXX | XXXX | 10128 |  | Closed | 2022-09-15 13:13 | 2022-09-30 15:07 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | XXXX | Ready for Review-Document Uploaded. Please see the attached credit report dated 8/11 please clear the exception - Seller-09/29/2022 <br>Ready for Review-Document Uploaded. Please see the attached Please clear the exception - Seller-09/26/2022 <br>Ready for Review-Document Uploaded. Please see the attached qualifying DTI of 44.56%. Please clear the exception. - Seller-09/21/2022 <br>Ready for Review-HI, please advise what dti you came up with - Seller-09/16/2022<br>| Resolved-all docs received and info entered - resolved - Due Diligence Vendor-09/30/2022<br>| XXXX |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 652483 | N/A | N/A |
| XXXX | XXXX | 10689 |  | Closed | 2022-09-21 10:40 | 2022-10-03 14:52 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | XXXX | Ready for Review-Document Uploaded. Please see the attached tax cert. Please clear the condition. - Seller-09/29/2022 <br>Ready for Review-Document Uploaded. Please see the attached tax cert . Please clear the exception. - Seller-09/22/2022<br>| Resolved-Tax amount was updated to match 1003 - Due Diligence Vendor-10/03/2022 <br>Resolved-File updated - Due Diligence Vendor-10/03/2022 <br>Rescinded-tax amount updated in file - Due Diligence Vendor-09/27/2022<br>| Tax Cert_2022_09_22_@01_03_44.pdf<br>Tax Cert_2022_09_29_@09_55_22.pdf |  |  | FL | Primary Residence | Purchase | NA | 659703 | N/A | N/A |
| XXXX | XXXX | 10689 |  | Closed | 2022-09-21 15:33 | 2022-10-03 14:51 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Property Tax Cert | XXXX | XXXX | Resolved-Tax amount updated to match final 1003 - Due Diligence Vendor-10/03/2022 <br>Rescinded-File updated - Due Diligence Vendor-09/27/2022<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 660100 | N/A | N/A |
| XXXX | XXXX | 10689 |  | Closed | 2022-09-20 08:20 | 2022-09-30 15:12 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Total of Payments (TOP) discrepancy | Resolved-page 5 with TOP info uploaded - entered - resolved - Due Diligence Vendor-09/30/2022 <br>Ready for Review-Document Uploaded. Please see the attached page 5. Please clear the exception. - Seller-09/29/2022 <br>Counter-Document Uploaded. The provided document is missing the TIL information that we require. We need page 5 of 5 not just 5 pages. Please see uploaded screenshot showing missing information that is required - Due Diligence Vendor-09/27/2022 <br>Ready for Review-Document Uploaded. Please clear the exception all 5 pages of the cd - Seller-09/26/2022 <br>Counter-Page 5 of 5 is missing please provide updated document - Due Diligence Vendor-09/26/2022 <br>Ready for Review-Document Uploaded. Please see the attached closing disclosure all pages. Please clear the exception. - Seller-09/22/2022 <br>Open-Total Payments page is missing from final cd in the file. - Due Diligence Vendor-09/20/2022 | Ready for Review-Document Uploaded. Please see the attached page 5. Please clear the exception. - Seller-09/29/2022 <br>Ready for Review-Document Uploaded. Please clear the exception all 5 pages of the cd - Seller-09/26/2022 <br>Ready for Review-Document Uploaded. Please see the attached closing disclosure all pages. Please clear the exception. - Seller-09/22/2022<br>| Resolved-page 5 with TOP info uploaded - entered - resolved - Due Diligence Vendor-09/30/2022<br>| Final HomeX Closing Disclosure_2022_09_22_@01_18_47.pdf<br>20220926165741342.pdf<br>Missing Section from Final CD.png<br>20220929135434691.pdf |  |  | FL | Primary Residence | Purchase | NA | 657836 | N/A | N/A |
| XXXX | XXXX | 10129 |  | Closed | 2022-09-20 13:59 | 2022-10-11 12:59 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | XXXX | Ready for Review- acknowledged Please clear - Seller-10/10/2022 <br>Ready for Review-Document Uploaded. Please see the attached final loan approval . Please clear the exception. - Seller-09/23/2022<br>| Resolved-Document acceptable - Due Diligence Vendor-09/26/2022<br>| Final Loan Approval_2022_09_23_@02_29_36.pdf |  |  | OK | Primary Residence | Purchase | NA | 658220 | N/A | N/A |
| XXXX | XXXX | 10129 |  | Closed | 2022-09-20 13:49 | 2022-09-27 15:35 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Resolved - Due Diligence Vendor-09/27/2022 <br>Rescinded-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. Pending missing documents to run compliance ease, when all documents are received please run compliance - Due Diligence Vendor-09/20/2022 |  | Resolved-Resolved - Due Diligence Vendor-09/27/2022 <br>Rescinded-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. Pending missing documents to run compliance ease, when all documents are received please run compliance - Due Diligence Vendor-09/20/2022<br>|  |  |  | OK | Primary Residence | Purchase | NA | 658183 | N/A | N/A |
| XXXX | XXXX | 10129 |  | Closed | 2022-09-20 13:49 | 2022-09-27 15:35 | Resolved | 1 - Information C A | Compliance | Points & Fees | OK HOEPA Higher-Priced Mortgage Loan Test | XXXX |  | XXXX |  |  |  | OK | Primary Residence | Purchase | NA | 658184 | N/A | N/A |
| XXXX | XXXX | 10129 |  | Closed | 2022-09-20 13:49 | 2022-09-27 15:35 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Resolved - Due Diligence Vendor-09/27/2022 <br>Rescinded-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. Pending missing documents to run compliance ease, when all documents are received please run compliance - Due Diligence Vendor-09/20/2022 |  | Resolved-Resolved - Due Diligence Vendor-09/27/2022 <br>Rescinded-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. Pending missing documents to run compliance ease, when all documents are received please run compliance - Due Diligence Vendor-09/20/2022<br>|  |  |  | OK | Primary Residence | Purchase | NA | 658185 | N/A | N/A |
| XXXX | XXXX | 10129 |  | Closed | 2022-09-20 13:49 | 2022-09-27 15:35 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Resolved - Due Diligence Vendor-09/27/2022 <br>Rescinded-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 $0.40.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). Pending missing documents to run compliance ease, when all documents are received please run compliance - Due Diligence Vendor-09/20/2022 |  | Resolved-Resolved - Due Diligence Vendor-09/27/2022 <br>Rescinded-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 $0.40.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). Pending missing documents to run compliance ease, when all documents are received please run compliance - Due Diligence Vendor-09/20/2022<br>|  |  |  | OK | Primary Residence | Purchase | NA | 658186 | N/A | N/A |
| XXXX | XXXX | 10129 |  | Closed | 2022-09-20 13:49 | 2022-09-27 15:35 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Resolved - Due Diligence Vendor-09/27/2022 <br>Rescinded-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. Pending missing documents to run compliance ease, when all documents are received please run compliance - Due Diligence Vendor-09/20/2022 |  | Resolved-Resolved - Due Diligence Vendor-09/27/2022 <br>Rescinded-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. Pending missing documents to run compliance ease, when all documents are received please run compliance - Due Diligence Vendor-09/20/2022<br>|  |  |  | OK | Primary Residence | Purchase | NA | 658179 | N/A | N/A |
| XXXX | XXXX | 10129 |  | Closed | 2022-09-19 15:26 | 2022-09-26 19:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-09/26/2022 <br>Open- - Due Diligence Vendor-09/26/2022 <br>Ready for Review-Document Uploaded. Please see the attached complete DOT with notary date filled out. Please clear the condition. - Seller-09/23/2022 <br>Open-The Deed of Trust is Incomplete Notary date not filled in on page 743 please provide complete final mortgage - Due Diligence Vendor-09/19/2022 | Ready for Review-Document Uploaded. Please see the attached complete DOT with notary date filled out. Please clear the condition. - Seller-09/23/2022<br>| Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-09/26/2022<br>| Mortgage - Deed of Trust_2022_09_23_@02_23_21.pdf |  |  | OK | Primary Residence | Purchase | NA | 656504 | N/A | N/A |
| XXXX | XXXX | 10129 |  | Closed | 2022-09-19 15:15 | 2022-09-26 17:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-09/26/2022 <br>Ready for Review-Document Uploaded. Please see the attached Patriots Act . Please clear the condition. - Seller-09/23/2022 <br>Open-Borrower 1 Citizenship Documentation Is Missing Borrower ID not in file and US patriot forms in the file are not completed - please provide - Due Diligence Vendor-09/19/2022 | Ready for Review-Document Uploaded. Please see the attached Patriots Act . Please clear the condition. - Seller-09/23/2022<br>| Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-09/26/2022<br>| 20220923161254102.pdf |  |  | OK | Primary Residence | Purchase | NA | 656451 | N/A | N/A |
| XXXX | XXXX | 10130 |  | Closed | 2022-09-23 15:52 | 2023-01-13 17:29 | Waived | 2 - Non-Material C B | Credit | Credit | DTI discrepancy or failure. | XXXX | Ready for Review-Document Uploaded. Please see the attached loan exception for the DTI please clear the exception - Seller-10/05/2022 <br>Ready for Review-Document Uploaded. Please see final hud 1 for the accounts in question that were paid offu - Seller-10/03/2022 <br>Ready for Review-1. Acknowledged - Seller-10/03/2022<br>| Waived-50% MAX DTI. Loan qualified with 50.55% DTI. - Due Diligence Vendor-10/05/2022<br>| Final Settlement Statement_2022_10_03_@04_47_11.pdf<br>Loan Exception form_2022_10_05_@07_32_57.pdf |  | LTV/CLTV 65.33%<br> Credit history dating back to 2008<br> 19 mos clean mortgage history | AZ | Primary Residence | Refinance | Cash Out - Other | 663234 | Originator Post-Close | Yes |
| XXXX | XXXX | 10130 |  | Closed | 2022-09-23 14:58 | 2023-01-11 15:20 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Borrower 1 Personal Bank Statements Less Than 12 Months Provided | XXXX | Ready for Review-Document Uploaded. We can't provide them with the statement that reflects $5120, the numbers were transposed on the income worksheet. The actual deposits were $1250. When that figure was corrected in the income workbook, our DTI went over 50%, and that is what the exception is for. Please clear the exception I am uploading the dti loan exception - Seller-10/06/2022 <br>Ready for Review-Document Uploaded. Please see the attached loan exception for the DTI. Please clear the exception - Seller-10/05/2022<br>| Waived-Document Uploaded. We can't provide them with the statement that reflects $5120, the numbers were transposed on the income worksheet. The actual deposits were $1250. When that figure was corrected in the income workbook, our DTI went over 50%, and that is what the exception is for. Please clear the exception I am uploading the dti loan exception - Due Diligence Vendor-01/11/2023 <br>Waived-Exception for: 50% MAX DTI. Loan qualified with 50.55% DTI. - Due Diligence Vendor-01/11/2023 <br>Resolved-Lender acknowledged error occurred and this was then addressed in the DTI findings. - Due Diligence Vendor-10/11/2022<br>| Loan Exception form_2022_10_05_@07_32_57.pdf<br>Loan Exception form_2022_10_06_@04_38_56.pdf |  | LTV: 65.33/65.33<br> Yrs of monthly payments: Credit history dating back to 2008<br> # of months 0x30 payments: 19 months of clean mortgage history<br> Decision Reason: Borrower is 1099'd, expense factor used used to qualify is higher than true expenses. Low LTV | AZ | Primary Residence | Refinance | Cash Out - Other | 663101 | Originator Post-Close | Yes |
| XXXX | XXXX | 10130 |  | Closed | 2022-09-23 14:53 | 2022-12-13 17:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 WVOE Missing | XXXX | XXXX | Resolved-Borrower 1 WVOE Provided - Due Diligence Vendor-10/04/2022<br>| XXXX |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 663082 | N/A | N/A |
| XXXX | XXXX | 10130 |  | Closed | 2022-09-23 14:31 | 2022-10-13 16:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-10/04/2022 <br>Ready for Review-Document Uploaded. Please see the attached initial 1003 Please clear the condition - Seller-10/04/2022 <br>Counter-Please provide the Initial 1003 for this loan file - Due Diligence Vendor-10/04/2022 <br>Ready for Review-Document Uploaded. Please see the attached final 1003. Please clear the exception. - Seller-10/03/2022 <br>Open-The Initial 1003 is Missing, Incomplete Initial 1003 is available on pg691 but there are only 2 pages available, Also not able to verify Loan Officer Signature in available 1003. Additional 1003 is available on pg179 signed on 08/16/2022 but initial LE is issue on 08/10/2022(not within 3 days). Please Provide Completed initial 1003. ## Also Did not Run compliance as initial 1003 is missing## - Due Diligence Vendor-09/23/2022 | Ready for Review-Document Uploaded. Please see the attached initial 1003 Please clear the condition - Seller-10/04/2022 <br>Ready for Review-Document Uploaded. Please see the attached final 1003. Please clear the exception. - Seller-10/03/2022<br>| Resolved-The Initial 1003 is Present - Due Diligence Vendor-10/04/2022<br>| Final Signed 1003_2_2022_10_03_@10_12_53.pdf<br>Final Signed 1003_2_2022_10_04_@11_02_25.pdf<br>signed 1003_2022_10_04_@11_00_36.pdf |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 663039 | N/A | N/A |
| XXXX | XXXX | 10132 |  | Closed | 2022-09-30 09:53 | 2022-10-12 18:19 | Waived | 2 - Non-Material B | Credit | Credit | Reserve requirement was not met | XXXX |  | Waived-Allowing 4-months PITI(15313) reserves instead of 6. Borrowers Have the money, it's just that not<br> every<br> last dime of the reserves has been in accounts for 60 days. Relying primarily on business account for<br> DP, cc & reserves; the $18,125.87 figure noted below can be seasoned back, consistently, 60+ days. - Due Diligence Vendor-10/12/2022 <br>Rescinded-Loan exception provided for reserves not met. however this file having enough reserves as per guideline, hence this exception become invalid. page #254 - Due Diligence Vendor-09/30/2022<br>|  |  | XXXX | IL | Primary Residence | Purchase | NA | 672010 | Originator Pre-Close | Yes |
| XXXX | XXXX | 10133 |  | Closed | 2022-10-03 20:34 | 2022-10-07 13:57 | Resolved | 1 - Information C A | Credit | Credit | FICO score does not meet guidelines | Resolved-File updated - Due Diligence Vendor-10/07/2022 <br>Ready for Review-Document Uploaded. Please see the attached updated approval showing the Qualifying FICO of 680. Please clear the condition - Seller-10/06/2022 <br>Open-The Qualifying FICO per the Approval Certificate on page 1 of the file is 648. Per the Credit Report the Qualifying FICO is 680. Please advise on this discrepancy and provide an updated Approval or an Exception letter. Thank you. - Due Diligence Vendor-10/03/2022 | Ready for Review-Document Uploaded. Please see the attached updated approval showing the Qualifying FICO of 680. Please clear the condition - Seller-10/06/2022<br>| Resolved-File updated - Due Diligence Vendor-10/07/2022<br>| Final Approval_2022_10_06_@01_22_05.pdf |  |  | TX | Primary Residence | Purchase | NA | 675571 | N/A | N/A |
| XXXX | XXXX | 10134 |  | Closed | 2022-10-04 11:36 | 2022-10-05 17:08 | Waived | 2 - Non-Material B | Credit | Eligibility | Payment shock exceeds guideline | Waived-Payment shock currently at 505% >300% max - Due Diligence Vendor-10/04/2022 |  | Waived-Payment shock currently at 505% >300% max - Due Diligence Vendor-10/04/2022<br>|  |  | # of Months Reserve-110mo. PITI<br> DTI-21.44%/26.24%<br> LTV/CLTV%-60%<br> Years o the job-8 years<br>Exception document on page 171 | CA | Primary Residence | Refinance | Cash Out - Other | 676077 | Originator Pre-Close | Yes |
| XXXX | XXXX | 10136 |  | Closed | 2022-10-05 10:26 | 2022-12-16 15:37 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | XXXX | XXXX | Resolved-info received - resolved - Due Diligence Vendor-10/12/2022<br>| 20221010142510460.pdf |  |  | NV | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 678037 | N/A | N/A |
| XXXX | XXXX | 10137 |  | Closed | 2022-10-05 12:09 | 2022-10-13 20:26 | Resolved | 1 - Information C A | Credit | Assets | Asset General | XXXX | Ready for Review-Document Uploaded. Please see the attached gift letters you already have the bank statement to support the letters - Seller-10/13/2022 <br>Ready for Review-Document Uploaded. Please see the attached evidence of receipt for the $45 000 gift explained in the LOX . Please clear the condition. - Seller-10/12/2022<br>| Resolved-Provided statements match with gift forms - Due Diligence Vendor-10/13/2022<br>| 20221012145226462.pdf<br>20221013140826554.pdf |  |  | TX | Primary Residence | Purchase | NA | 678091 | N/A | N/A |
| XXXX | XXXX | 10137 |  | Closed | 2022-10-05 09:22 | 2022-10-11 15:23 | Waived | 2 - Non-Material B | Credit | Credit | Total Reserves Requirement not met | Waived-Total Reserves Requirement not met Exception available in pg#164 shows :6 months PITIA in reserves required for CLTV over 75%.<br> Borrower has 5 months in reserves and is financing points to 76.41% - Due Diligence Vendor-10/05/2022 |  | Waived-Total Reserves Requirement not met Exception available in pg#164 shows :6 months PITIA in reserves required for CLTV over 75%.<br> Borrower has 5 months in reserves and is financing points to 76.41% - Due Diligence Vendor-10/05/2022<br>|  |  | Comp Factor shows - Number of Months Reserves 5 months and Fico scores of 734 , # of Months 0X30 Payments 0x30 in last 12 months of rental history. | TX | Primary Residence | Purchase | NA | 678014 | Originator Pre-Close | Yes |
| XXXX | XXXX | 10691 |  | Closed | 2022-10-11 05:56 | 2022-10-26 14:25 | Resolved | 1 - Information C A | Credit | Missing Doc | Missing an established escrow impound account for taxes and insurance. | Resolved-Documents provided. - Due Diligence Vendor-10/26/2022 <br>Rescinded-invalid finding - Due Diligence Vendor-10/24/2022 <br>Ready for Review-Document Uploaded. Please see the attached loan exception. Please clear the condition - Seller-10/24/2022 <br>Counter-Document Uploaded. page 831 there is an exception request for HPML but no compensating factors listed.<br> Please provide approved Exception with Compensating factors<br>- Due Diligence Vendor-10/14/2022 <br>Ready for Review-Document Uploaded. Please see the attached exception waiver for the HPML Waive Impounds. Please clear the condition - Seller-10/13/2022 <br>Open-Please provide an exception waiver for the HPML Waive Impounds with compensating factors - Due Diligence Vendor-10/11/2022 | Ready for Review-Document Uploaded. Please see the attached loan exception. Please clear the condition - Seller-10/24/2022 <br>Ready for Review-Document Uploaded. Please see the attached exception waiver for the HPML Waive Impounds. Please clear the condition - Seller-10/13/2022<br>| Resolved-Documents provided. - Due Diligence Vendor-10/26/2022 <br>Rescinded-invalid finding - Due Diligence Vendor-10/24/2022<br>| XXXX |  |  | GA | Primary Residence | Purchase | NA | 686929 | N/A | N/A |
| XXXX | XXXX | 10692 |  | Closed | 2022-10-14 17:51 | 2022-10-24 14:04 | Resolved | 1 - Information C A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/24/2022 <br>Rescinded-Invalid Finding - Due Diligence Vendor-10/19/2022 <br>Ready for Review-Document Uploaded. bwr is self employed alt doc 12 month business bank statements no VOE is needed. - Seller-10/18/2022 <br>Counter-Please provide per GLs a verbal verification of employment within 3 business days of closing. docs provided are more than 3 days - Due Diligence Vendor-10/18/2022 <br>Ready for Review- - Due Diligence Vendor-10/18/2022 <br>Ready for Review-Document Uploaded. Please see the attached business license - Seller-10/17/2022 <br>Ready for Review-Document Uploaded. Please see the attached cpa letter to verify bwrs business license - Seller-10/17/2022 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-10/14/2022 | Ready for Review-Document Uploaded. bwr is self employed alt doc 12 month business bank statements no VOE is needed. - Seller-10/18/2022 <br>Ready for Review-Document Uploaded. Please see the attached business license - Seller-10/17/2022 <br>Ready for Review-Document Uploaded. Please see the attached cpa letter to verify bwrs business license - Seller-10/17/2022<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/24/2022 <br>Rescinded-Invalid Finding - Due Diligence Vendor-10/19/2022<br>| XXXX |  |  | UT | Primary Residence | Refinance | Cash Out - Other | 693831 | N/A | N/A |
| XXXX | XXXX | 10692 |  | Closed | 2022-10-14 17:51 | 2022-10-24 14:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-Borrower 1 WVOE Provided received CPS letter to cover the CPA section and the WVOE section - resolved - Due Diligence Vendor-10/18/2022 <br>Ready for Review-Document Uploaded. Please see the attached CPA letter to verify bwr is self employed - Seller-10/17/2022 <br>Ready for Review-Please see the attached business license . Please clear the exception. - Seller-10/17/2022 <br>Open-Borrower 1 WVOE Missing - Due Diligence Vendor-10/14/2022 | Ready for Review-Document Uploaded. Please see the attached CPA letter to verify bwr is self employed - Seller-10/17/2022 <br>Ready for Review-Please see the attached business license . Please clear the exception. - Seller-10/17/2022<br>| Resolved-Borrower 1 WVOE Provided received CPS letter to cover the CPA section and the WVOE section - resolved - Due Diligence Vendor-10/18/2022<br>| CPA letter time in business.pdf_2022_10_17_@12_05_57.pdf |  |  | UT | Primary Residence | Refinance | Cash Out - Other | 693832 | N/A | N/A |
| XXXX | XXXX | 10694 |  | Closed | 2022-10-14 08:29 | 2022-11-14 15:13 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 6.03 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-11/14/2022 <br>Resolved-Provided assets sufficient for reserves - Due Diligence Vendor-10/20/2022 <br>Ready for Review-Document Uploaded. Please see the attached assets please clear the condition - Seller-10/19/2022 <br>Counter-Please provide evidence of sufficient assets to cover reserves - Due Diligence Vendor-10/19/2022 <br>Ready for Review-Document Uploaded. Please see the attached final 1003 . Please clear the condition - Seller-10/19/2022 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Assets are not provided in Final 1003 to verify total qualifying assets - Due Diligence Vendor-10/14/2022 | Ready for Review-Document Uploaded. Please see the attached assets please clear the condition - Seller-10/19/2022 <br>Ready for Review-Document Uploaded. Please see the attached final 1003 . Please clear the condition - Seller-10/19/2022<br>| Resolved-Audited Reserves of 6.03 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-11/14/2022 <br>Resolved-Provided assets sufficient for reserves - Due Diligence Vendor-10/20/2022<br>| Final Signed 1003- BY BORR_2022_10_19_@09_44_54.pdf<br>20221019205246143.pdf |  |  | FL | Primary Residence | Purchase | NA | 692815 | N/A | N/A |
| XXXX | XXXX | 10694 |  | Closed | 2022-10-14 11:13 | 2022-11-14 14:52 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Loan Estimate Date and Initial Closing Disclosure Date Validation Test | Resolved-Fired in error - Due Diligence Vendor-11/14/2022 <br>Rescinded-Fired in error, updated entries rescinded - Due Diligence Vendor-11/10/2022 <br>Ready for Review-Document Uploaded. DISAGREE: The final LE (attached) is dated 9/15/22, while the initial CD (attached) is dated 9/28/22. - Seller-11/08/2022 <br>Counter-Document Uploaded. We have a CD dated 09/08 on page 1201 and an LE dated 09/15 please provide justification for this. The CD is dated before the LE. See attached files - Due Diligence Vendor-10/24/2022 <br>Ready for Review-Document Uploaded. DISAGREE: Please find attached the only two loan estimates delivered on this loan, the first on 9/1/22 and the second (per a COC) on 9/15/22. Both dates significantly precede any closing disclosure delivery dates. - Seller-10/21/2022 <br>Open-This loan failed the TRID initial loan estimate date and initial closing disclosure date validation test.This loan contains an initial closing disclosure receipt date (or initial closing disclosure delivery date if receipt date was not provided) that is on or before any loan estimate delivery date. Please review the loan data to ensure the dates are in the correct fields. Finding is due to Initial CD date is after is before Revised LE - Due Diligence Vendor-10/14/2022 | Ready for Review-Document Uploaded. DISAGREE: The final LE (attached) is dated 9/15/22, while the initial CD (attached) is dated 9/28/22. - Seller-11/08/2022 <br>Ready for Review-Document Uploaded. DISAGREE: Please find attached the only two loan estimates delivered on this loan, the first on 9/1/22 and the second (per a COC) on 9/15/22. Both dates significantly precede any closing disclosure delivery dates. - Seller-10/21/2022<br>| Resolved-Fired in error - Due Diligence Vendor-11/14/2022 <br>Rescinded-Fired in error, updated entries rescinded - Due Diligence Vendor-11/10/2022<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 692870 | N/A | N/A |
| XXXX | XXXX | 10694 |  | Closed | 2022-10-18 09:30 | 2022-10-20 16:54 | Resolved | 1 - Information C A | Credit | Assets Insufficient | Assets are not sufficient to close | XXXX | XXXX | Resolved-File updated - Due Diligence Vendor-10/20/2022<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 697091 | N/A | N/A |
| XXXX | XXXX | 10695 |  | Closed | 2022-10-14 11:24 | 2022-10-19 19:44 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | XXXX | Ready for Review-Document Uploaded. Please see the attached supplement. Please clear the condition - Seller-10/19/2022<br>| XXXX | Title Supplement- PROPOSED INSURED_2022_10_19_@09_23_22.pdf |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 692874 | N/A | N/A |
| XXXX | XXXX | 10698 |  | Closed | 2022-10-18 09:44 | 2022-10-20 15:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-10/20/2022 <br>Ready for Review-Document Uploaded. Please see the attached executed 1003 showing broker signature. Please clear - Seller-10/19/2022 <br>Counter-The provided 1003 does not have an LO signature please provide updated document - Due Diligence Vendor-10/19/2022 <br>Ready for Review-Document Uploaded. Please see the attached signed 1003. Please clear the condition - Seller-10/19/2022 <br>Open-The Final 1003 is Missing Final 1003 is missing in the file. Updated the information from page no: 667, 796 because income is matching with the conditional approval on page no: 01, income calculation sheet on page no: 351 and ATR calculation sheet on page no: 320 and also funds to close is matching with the Final CD. - Due Diligence Vendor-10/18/2022 | Ready for Review-Document Uploaded. Please see the attached executed 1003 showing broker signature. Please clear - Seller-10/19/2022 <br>Ready for Review-Document Uploaded. Please see the attached signed 1003. Please clear the condition - Seller-10/19/2022<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-10/20/2022<br>| XXXX |  |  | IL | Primary Residence | Purchase | NA | 697106 | N/A | N/A |
| XXXX | XXXX | 10698 |  | Closed | 2022-10-18 08:34 | 2022-10-19 22:07 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: File # is missing | Resolved-Cmpliance ran file updated - Due Diligence Vendor-10/19/2022 <br>Ready for Review-Document Uploaded. Please see the attached final cd . Please clear the condition - Seller-10/19/2022 <br>Open- - Due Diligence Vendor-10/18/2022 | Ready for Review-Document Uploaded. Please see the attached final cd . Please clear the condition - Seller-10/19/2022<br>| Resolved-Cmpliance ran file updated - Due Diligence Vendor-10/19/2022<br>| XXXX |  |  | IL | Primary Residence | Purchase | NA | 697050 | N/A | N/A |
| XXXX | XXXX | 10698 |  | Closed | 2022-10-18 09:00 | 2022-10-19 21:55 | Resolved | 1 - Information B A | Credit | Doc Issue | USA Patriot Act Disclosure-Borrower Identification is Incomplete | Resolved-Executed document provided finding resolved - Due Diligence Vendor-10/19/2022 <br>Ready for Review-Document Uploaded. Please see the attached patriot act. Please clear the condition - Seller-10/19/2022 <br>Open- - Due Diligence Vendor-10/18/2022 | Ready for Review-Document Uploaded. Please see the attached patriot act. Please clear the condition - Seller-10/19/2022<br>| Resolved-Executed document provided finding resolved - Due Diligence Vendor-10/19/2022<br>| XXXX |  |  | IL | Primary Residence | Purchase | NA | 697075 | N/A | N/A |
| XXXX | XXXX | 10698 |  | Closed | 2022-10-18 08:30 | 2022-10-19 21:41 | Resolved | 1 - Information C A | Compliance | Closing | The Deed of Trust is Not Executed | Resolved-The Deed of Trust is Executed - Due Diligence Vendor-10/19/2022 <br>Ready for Review-Document Uploaded. Please see the attached executed DOT. Please clear the condition - Seller-10/19/2022 <br>Open-The Deed of Trust is Not Executed Deed of Trust document is not signed. Please provide DOT document with signature. - Due Diligence Vendor-10/18/2022 | Ready for Review-Document Uploaded. Please see the attached executed DOT. Please clear the condition - Seller-10/19/2022<br>| Resolved-The Deed of Trust is Executed - Due Diligence Vendor-10/19/2022<br>| XXXX |  |  | IL | Primary Residence | Purchase | NA | 697046 | N/A | N/A |
| XXXX | XXXX | 10698 |  | Closed | 2022-10-18 08:28 | 2022-10-19 21:40 | Resolved | 1 - Information C A | Compliance | Closing | The Note is Not Executed | Resolved-The Note is Executed - Due Diligence Vendor-10/19/2022 <br>Ready for Review-Document Uploaded. Please see the attached executed note please clear the condition - Seller-10/19/2022 <br>Open-The Note is Not Executed Note document is not signed. Please provide Note document with signature. - Due Diligence Vendor-10/18/2022 | Ready for Review-Document Uploaded. Please see the attached executed note please clear the condition - Seller-10/19/2022<br>| Resolved-The Note is Executed - Due Diligence Vendor-10/19/2022<br>| XXXX |  |  | IL | Primary Residence | Purchase | NA | 697044 | N/A | N/A |
| XXXX | XXXX | 10699 |  | Closed | 2022-10-20 08:41 | 2022-11-08 19:25 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | XXXX | Ready for Review-Document Uploaded. Please see the attached additional assets. Please clear the condition - Seller-11/03/2022 <br>Ready for Review-Document Uploaded. Please see the attached - Seller-10/25/2022 <br>Ready for Review-Document Uploaded. Please see the attached and please clear the exception - Seller-10/24/2022 <br>Ready for Review-Document Uploaded. Please see the attached and please clear the condition - Seller-10/24/2022<br>| Resolved-Audited Reserves of 3.85 month(s) are greater than or equal to Guideline Required Reserves of 0 month(s) - Due Diligence Vendor-11/07/2022<br>| XXXX |  |  | IL | Primary Residence | Purchase | NA | 699967 | N/A | N/A |
| XXXX | XXXX | 10699 |  | Closed | 2022-10-20 09:57 | 2022-10-20 12:48 | Waived | 2 - Non-Material B | Compliance | State Reg | Interest Rate Test | Waived-Loan Exception page no: 52,<br> Reason: Must lower rate to comply w/ CCHC APR<br> - Due Diligence Vendor-10/20/2022 |  | XXXX |  |  | DTI 40.85%<br> FICO 657 | IL | Primary Residence | Purchase | NA | 699994 | Originator Pre-Close | Yes |
| XXXX | XXXX | 10704 |  | Closed | 2022-10-31 12:30 | 2023-01-13 20:53 | Waived | 2 - Non-Material B | Credit | Credit | Assets not properly documented/insufficient | Waived- - Due Diligence Vendor-11/02/2022 <br>Resolved-Received signed Exception - Due Diligence Vendor-11/02/2022 <br>Ready for Review-Document Uploaded. Please see the attached loan exception. Please clear the condition - Seller-11/01/2022 <br>Waived-The request is for less than $50k in Equity<br> Ok with exception for less than $50k equity position. Good income/DTI,<br> Good FICO 728, Good consumer credit<br>- Due Diligence Vendor-10/31/2022 | Ready for Review-Document Uploaded. Please see the attached loan exception. Please clear the condition - Seller-11/01/2022<br>| Resolved-Received signed Exception - Due Diligence Vendor-11/02/2022 <br>Waived-The request is for less than $50k in Equity<br> Ok with exception for less than $50k equity position. Good income/DTI,<br> Good FICO 728, Good consumer credit<br>- Due Diligence Vendor-10/31/2022<br>| Loan Exception Form_2022_11_01_@09_51_11.pdf |  | XXXX | AZ | Second Home | Purchase | NA | 715679 | Originator Post-Close | Yes |
| XXXX | XXXX | 10704 |  | Closed | 2022-10-28 06:20 | 2022-11-02 13:50 | Resolved | 1 - Information C A | Credit | Credit | Letter of Explanation (Assets) missing or unexecuted | Resolved-Bank statement in file. Borrower owns 100 percent of the business. - Due Diligence Vendor-11/02/2022 <br>Ready for Review-Document Uploaded. Please see the attached business license statement . Please clear the condition - Seller-11/01/2022 <br>Open-LOX missing as business account balance using for reserves. - Due Diligence Vendor-10/28/2022 | Ready for Review-Document Uploaded. Please see the attached business license statement . Please clear the condition - Seller-11/01/2022<br>| Resolved-Bank statement in file. Borrower owns 100 percent of the business. - Due Diligence Vendor-11/02/2022<br>| 5699 - 2022-08-31_2022_11_01_@09_39_50.pdf |  |  | AZ | Second Home | Purchase | NA | 712841 | N/A | N/A |
| XXXX | XXXX | 10704 |  | Closed | 2022-10-31 12:16 | 2022-11-02 13:36 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | XXXX | Ready for Review-we acknowledged . Please clear the condition - Seller-11/01/2022<br>| Resolved-Acknowledged by client. Resolved finding. - Due Diligence Vendor-11/02/2022<br>|  |  |  | AZ | Second Home | Purchase | NA | 715661 | N/A | N/A |
| XXXX | XXXX | 10705 |  | Closed | 2022-10-28 06:52 | 2023-01-06 15:53 | Waived | 2 - Non-Material B | Credit | Assets | Asset General | Waived-Does not meet the min equity requirement of 50K. (Refer page 330)<br> Compensating Factors:<br> No. of months reserve = 6<br> DTI < 30<br> LTV/CLTV 80<br> FICO 708<br> # Tradelines 11<br> Year of monthly payment 1996<br> Years on the Job 2/36<br> Years at Present address 2<br> No. of months 0\*30 payments = 0 on investment property <br> benefit to borrower = Purchase of primary - Due Diligence Vendor-10/28/2022 |  | Waived-Does not meet the min equity requirement of 50K. (Refer page 330)<br> Compensating Factors:<br> No. of months reserve = 6<br> DTI < 30<br> LTV/CLTV 80<br> FICO 708<br> # Tradelines 11<br> Year of monthly payment 1996<br> Years on the Job 2/36<br> Years at Present address 2<br> No. of months 0\*30 payments = 0 on investment property <br> benefit to borrower = Purchase of primary - Due Diligence Vendor-10/28/2022<br>|  |  | XXXX | FL | Primary Residence | Purchase | NA | 712855 | Originator Pre-Close | Yes |
| XXXX | XXXX | 10706 |  | Closed | 2022-10-31 06:31 | 2022-12-16 20:46 | Resolved | 1 - Information C A | Property | Property | Property Condition Rating Does Not Meet Program Requirements | Resolved-Received satisfactory desk review from the client, finding has been resolved and cleared. - Due Diligence Vendor-12/16/2022 <br>Resolved- - Due Diligence Vendor-11/01/2022 <br>Ready for Review-Document Uploaded. Please see the attached desk review. Please clear the condition - Seller-11/01/2022 <br>Open-Primary Value Valuation Property Condition Rating Does Not Meet Program Requirements - Due Diligence Vendor-10/31/2022 | Ready for Review-Document Uploaded. Please see the attached desk review. Please clear the condition - Seller-11/01/2022<br>| Resolved-Received satisfactory desk review from the client, finding has been resolved and cleared. - Due Diligence Vendor-12/16/2022<br>| Appraisal - Desk Review_2022_11_01_@08_24_08.pdf |  |  | GA | Primary Residence | Purchase | NA | 715453 | N/A | N/A |
| XXXX | XXXX | 10707 |  | Closed | 2022-10-31 06:09 | 2022-11-01 17:53 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | XXXX | Ready for Review-Document Uploaded. Please see the attached updated Ins Dated of 10-11-2022. Please clear the condition - Seller-11/01/2022<br>| XXXX | XXXX |  |  | CA | Primary Residence | Purchase | NA | 715426 | N/A | N/A |
| XXXX | XXXX | 10707 |  | Closed | 2022-10-31 05:43 | 2022-11-01 17:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | XXXX | Ready for Review-Document Uploaded. Please see the attached proof of rental income. Please clear the condition - Seller-11/01/2022<br>| Resolved-Updated employment screen with information. - Due Diligence Vendor-11/01/2022 <br>Resolved-Document acceptable - Due Diligence Vendor-11/01/2022<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 715414 | N/A | N/A |
| XXXX | XXXX | 10707 |  | Closed | 2022-10-31 07:26 | 2022-11-01 16:36 | Resolved | 1 - Information C A | Credit | Credit | Missing documentation evidencing borrower's identity | Resolved-File updated - Due Diligence Vendor-11/01/2022 <br>Ready for Review-Document Uploaded. Please see the attached primary bwrs driver license. Please clear the condition - Seller-11/01/2022 <br>Open-Borrower 1 personal ID is missing. Also, USA Patriot Act Customer Identification Document doesn't show the Expiration date. - Due Diligence Vendor-10/31/2022 | Ready for Review-Document Uploaded. Please see the attached primary bwrs driver license. Please clear the condition - Seller-11/01/2022<br>| Resolved-File updated - Due Diligence Vendor-11/01/2022<br>| 23 his id.pdf |  |  | CA | Primary Residence | Purchase | NA | 715502 | N/A | N/A |
| XXXX | XXXX | 10708 |  | Closed | 2022-11-03 03:27 | 2022-11-15 20:34 | Resolved | 1 - Information C A | Credit | Eligibility | Borrower 1 Credit Report is Expired | Resolved-Credit report is greater than 120 days which is reason the latest credit report was pulled on 10/25/2022. - Due Diligence Vendor-11/15/2022 <br>Resolved- - Due Diligence Vendor-11/15/2022 <br>Ready for Review-Document Uploaded. The loan was submitted with expired credit reports. Underwriter made that a condition of the loan to pull updated credit reports which was done on 10/25/2022. Please see attached updated credit reports and clear this exception. - Seller-11/15/2022 <br>Counter-Please provide at time of application. The same credit report was uploaded from June. Thanks - Due Diligence Vendor-11/14/2022 <br>Counter- Please provide the Credit report for both bwrs at time of application-09/13/2022 - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. See attached Credit reports both borrowers at application. Please clear this exception - Seller-11/11/2022 <br>Counter-\*initial CBR date is 6/23/22<br> \*GAP report date is 10/25/22<br> application date is 9/13/22 please provide the Credit report for both bwrs at time of application - Due Diligence Vendor-11/08/2022 <br>Ready for Review-Document Uploaded. Please see attached updated Credit Report pulled on 10/25/2022 - Seller-11/07/2022 <br>Open-Borrower 1 Credit Report is Expired (Greater than 120 days from the Closing Date). - Due Diligence Vendor-11/03/2022 | Ready for Review-Document Uploaded. The loan was submitted with expired credit reports. Underwriter made that a condition of the loan to pull updated credit reports which was done on 10/25/2022. Please see attached updated credit reports and clear this exception. - Seller-11/15/2022 <br>Ready for Review-Document Uploaded. See attached Credit reports both borrowers at application. Please clear this exception - Seller-11/11/2022 <br>Ready for Review-Document Uploaded. Please see attached updated Credit Report pulled on 10/25/2022 - Seller-11/07/2022<br>| Resolved-Credit report is greater than 120 days which is reason the latest credit report was pulled on 10/25/2022. - Due Diligence Vendor-11/15/2022<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 721393 | N/A | N/A |
| XXXX | XXXX | 10708 |  | Closed | 2022-11-03 03:23 | 2022-11-14 21:50 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | XXXX | XXXX | Resolved-Client acknowledges the discrepancy. No change in DTI that would cause a change ok to proceed. - Due Diligence Vendor-11/14/2022<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 721392 | N/A | N/A |
| XXXX | XXXX | 10711 |  | Closed | 2022-11-02 10:54 | 2022-11-08 21:06 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Document acceptable - Due Diligence Vendor-11/08/2022 <br>Ready for Review-Document Uploaded. Please see attached Gift Letter. - Seller-11/08/2022 <br>Open-Final CD reflecting Gift Amount $107,000 where as gift letter and final 1003 reflecting gift amount $97,000. Provide a Gift letter $10,000 or Provide updated final CD with Gift amount $97,000 - Due Diligence Vendor-11/02/2022 | Ready for Review-Document Uploaded. Please see attached Gift Letter. - Seller-11/08/2022<br>| Resolved-Document acceptable - Due Diligence Vendor-11/08/2022<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 719540 | N/A | N/A |
| XXXX | XXXX | 10712 |  | Closed | 2022-11-04 03:25 | 2022-11-15 21:07 | Resolved | 1 - Information B A | Credit | Credit | Missing subject property tax certificate | XXXX |  | XXXX |  |  |  | CA | Second Home | Purchase | NA | 723291 | N/A | N/A |
| XXXX | XXXX | 10713 |  | Closed | 2022-11-04 12:16 | 2022-11-18 17:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | XXXX | XXXX | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-11/14/2022<br>| XXXX |  |  | OR | Primary Residence | Purchase | NA | 723565 | N/A | N/A |
| XXXX | XXXX | 10713 |  | Closed | 2022-11-04 12:38 | 2022-11-14 21:48 | Resolved | 1 - Information C A | Property | Property | No HOA fees on appraisal and property identified as a PUD | XXXX | Ready for Review-Document Uploaded. There are no HOA dues. Underwriter has removed them. Please see updated Loan Approval and clear this exception. - Seller-11/11/2022<br>| Resolved-File updated property not in a PUD - Due Diligence Vendor-11/14/2022<br>| XXXX |  |  | OR | Primary Residence | Purchase | NA | 723584 | N/A | N/A |
| XXXX | XXXX | 10713 |  | Closed | 2022-11-04 10:28 | 2022-11-14 21:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | XXXX | Ready for Review-Document Uploaded. see attached Access letters and bank statements. Please clear this exception. - Seller-11/14/2022<br>| Resolved-Document acceptable - Due Diligence Vendor-11/14/2022<br>| XXXX |  |  | OR | Primary Residence | Purchase | NA | 723489 | N/A | N/A |
| XXXX | XXXX | 10779 |  | Closed | 2022-11-29 13:26 | 2022-11-30 20:45 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | XXXX | XXXX | Resolved-DTI is within 1% allowable tolerance. Finding resolved. - Due Diligence Vendor-11/30/2022<br>|  |  |  | CA | Investment | Purchase | NA | 749709 | N/A | N/A |
| XXXX | XXXX | 10779 |  | Closed | 2022-11-29 13:18 | 2022-11-30 17:38 | Resolved | 1 - Information C A | Compliance | Closing | HUD-1 not executed properly | Resolved-Executed HUD document provided. Updated screens. Finding resolved. - Due Diligence Vendor-11/30/2022 <br>Ready for Review-Document Uploaded. Borrower signature is not required on HUD. However, please accept the attached certified final HUD and clear finding. - Seller-11/29/2022 <br>Open-Date not reflecting near Signature of Borrower in provided HUD. Please provide updated HUD doc with date near Borrower Signature - Due Diligence Vendor-11/29/2022 | Ready for Review-Document Uploaded. Borrower signature is not required on HUD. However, please accept the attached certified final HUD and clear finding. - Seller-11/29/2022<br>| Resolved-Executed HUD document provided. Updated screens. Finding resolved. - Due Diligence Vendor-11/30/2022<br>| XXXX |  |  | CA | Investment | Purchase | NA | 749701 | N/A | N/A |
| XXXX | XXXX | 10780 |  | Closed | 2022-11-29 17:34 | 2022-11-30 15:58 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Loan is DSCR. Section 3 and 5a not required. Finding resolved. - Due Diligence Vendor-11/30/2022 <br>Ready for Review-Document Uploaded. Please see the attached updated 1003 showing residence and investment prop. Please clear the condition - Seller-11/29/2022 <br>Open-Section 1a of 1003 states borrowers owns his primary residence but in Section 3 and Section 5a) borrower declares he does not own any real estate . please provide updated documents - Due Diligence Vendor-11/29/2022 | Ready for Review-Document Uploaded. Please see the attached updated 1003 showing residence and investment prop. Please clear the condition - Seller-11/29/2022<br>| Resolved-Loan is DSCR. Section 3 and 5a not required. Finding resolved. - Due Diligence Vendor-11/30/2022<br>| Final Signed 1003_2_2022_11_29_@03_38_01.pdf |  |  | CO | Investment | Purchase | NA | 750365 | N/A | N/A |
| XXXX | XXXX | 10780 |  | Closed | 2022-11-29 13:13 | 2022-11-30 14:30 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Resolved-Executed Initial Escrow Doc provided. Updated Disclosure screen. Finding resolved. - Due Diligence Vendor-11/30/2022 <br>Ready for Review-Document Uploaded. Please see the attached initial escrow disc. Please clear the condition - Seller-11/29/2022 <br>Open-Initial Escrow Doc in File But No Sign So please provide Initial Escrow Doc with Sign. Thank you. - Due Diligence Vendor-11/29/2022 | Ready for Review-Document Uploaded. Please see the attached initial escrow disc. Please clear the condition - Seller-11/29/2022<br>| Resolved-Executed Initial Escrow Doc provided. Updated Disclosure screen. Finding resolved. - Due Diligence Vendor-11/30/2022<br>| Initial Escrow Acct Disclosure_2022_11_29_@03_43_17.pdf |  |  | CO | Investment | Purchase | NA | 749694 | N/A | N/A |
| XXXX | XXXX | 10780 |  | Closed | 2022-11-29 11:31 | 2022-11-30 14:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation provided. Updated Fraud screen. Finding resolved. - Due Diligence Vendor-11/30/2022 <br>Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-11/30/2022 <br>Ready for Review-Document Uploaded. Please see the attached Patriot Act for bwr 1. Please clear the condition - Seller-11/29/2022 <br>Open-Borrower 1 Citizenship Documentation Is Missing Missing USA Patriot Doc in File Please Provide Thank you. - Due Diligence Vendor-11/29/2022 | Ready for Review-Document Uploaded. Please see the attached Patriot Act for bwr 1. Please clear the condition - Seller-11/29/2022 | Resolved-Borrower 1 Citizenship Documentation provided. Updated Fraud screen. Finding resolved. - Due Diligence Vendor-11/30/2022 <br>Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-11/30/2022<br>| USA PATRIOT ACT_2022_11_29_@03_47_11 bwr 1.pdf |  |  | CO | Investment | Purchase | NA | 749628 | N/A | N/A |
| XXXX | XXXX | 10780 |  | Closed | 2022-11-29 11:31 | 2022-11-30 14:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Citizenship Documentation Not Provided | XXXX | XXXX | Resolved-Borrower 2 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-11/30/2022 <br>Resolved-Borrower 2 Citizenship Documentation provided. Updated Fraud screen. Finding resolved. - Due Diligence Vendor-11/30/2022<br>| XXXX |  |  | CO | Investment | Purchase | NA | 749629 | N/A | N/A |
| XXXX | XXXX | 10780 |  | Closed | 2022-11-29 11:31 | 2022-11-30 14:23 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-11/30/2022 <br>Resolved-Executed Final 1003 provided. Updated 1003 screen. Finding resolved. - Due Diligence Vendor-11/30/2022 <br>Open- - Due Diligence Vendor-11/30/2022 <br>Ready for Review-Document Uploaded. Please see the attached final executed 1003 Please clear the condition - Seller-11/29/2022 <br>Open-The Final 1003 is Not Executed Final 1003 Doc file But not in Sign So Please Provide Final 1003 with Sign Thank you - Due Diligence Vendor-11/29/2022 | Ready for Review-Document Uploaded. Please see the attached final executed 1003 Please clear the condition - Seller-11/29/2022<br>| Resolved-The Final 1003 is Executed - Due Diligence Vendor-11/30/2022 <br>Resolved-Executed Final 1003 provided. Updated 1003 screen. Finding resolved. - Due Diligence Vendor-11/30/2022<br>| Final Signed 1003_2_2022_11_29_@03_45_57.pdf |  |  | CO | Investment | Purchase | NA | 749630 | N/A | N/A |
| XXXX | XXXX | 10780 |  | Closed | 2022-11-29 11:45 | 2022-11-30 14:16 | Resolved | 1 - Information C A | Compliance | Closing | The Deed of Trust is Not Executed | Resolved-Executed Deed of Trust provided. Updated screen. Finding resolved. - Due Diligence Vendor-11/30/2022 <br>Resolved-The Deed of Trust is Executed - Due Diligence Vendor-11/30/2022 <br>Ready for Review-Document Uploaded. Please see the attached executed DOT. Please clear the condition - Seller-11/29/2022 <br>Open-The Deed of Trust is Not Executed DOT Doc in File But no Sign So Please Provide DOT with Sign Thank you. - Due Diligence Vendor-11/29/2022 | Ready for Review-Document Uploaded. Please see the attached executed DOT. Please clear the condition - Seller-11/29/2022<br>| Resolved-Executed Deed of Trust provided. Updated screen. Finding resolved. - Due Diligence Vendor-11/30/2022 <br>Resolved-The Deed of Trust is Executed - Due Diligence Vendor-11/30/2022<br>| Mortgage - Deed of Trust_2022_11_29_@03_32_49.pdf |  |  | CO | Investment | Purchase | NA | 749636 | N/A | N/A |
| XXXX | XXXX | 10780 |  | Closed | 2022-11-29 11:40 | 2022-11-30 14:13 | Resolved | 1 - Information C A | Compliance | Closing | The Note is Not Executed | Resolved-Executed Note provided. Updated Note screen. Finding resolved. - Due Diligence Vendor-11/30/2022 <br>Resolved-The Note is Executed - Due Diligence Vendor-11/30/2022 <br>Ready for Review-Document Uploaded. Please see the attached executed note. Please clear the condition - Seller-11/29/2022 <br>Open-The Note is Not Executed Note Doc is on Page But which Was not Signed So please Provide Note Doc with Sign. Thank you - Due Diligence Vendor-11/29/2022 | Ready for Review-Document Uploaded. Please see the attached executed note. Please clear the condition - Seller-11/29/2022<br>| Resolved-Executed Note provided. Updated Note screen. Finding resolved. - Due Diligence Vendor-11/30/2022 <br>Resolved-The Note is Executed - Due Diligence Vendor-11/30/2022<br>| Note_2022_11_29_@03_44_52.pdf |  |  | CO | Investment | Purchase | NA | 749635 | N/A | N/A |
| XXXX | XXXX | 10781 |  | Closed | 2022-11-30 00:08 | 2022-11-30 18:22 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | XXXX |  | Resolved-DTI within 1% difference. - Due Diligence Vendor-11/30/2022<br>|  |  |  | TX | Primary Residence | Purchase | NA | 751038 | N/A | N/A |
| XXXX | XXXX | 10782 |  | Closed | 2022-11-29 22:16 | 2022-11-30 19:25 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-DSCR calculation provided. Finding resolved. - Due Diligence Vendor-11/30/2022 <br>Ready for Review-Document Uploaded. See attached DSCR Calculation. Please clear this exception. - Seller-11/30/2022 <br>Open-Please provide DSCR calculation worksheet- No evidence of Lender DSCR Calculation in loan file - Due Diligence Vendor-11/29/2022 | Ready for Review-Document Uploaded. See attached DSCR Calculation. Please clear this exception. - Seller-11/30/2022<br>| Resolved-DSCR calculation provided. Finding resolved. - Due Diligence Vendor-11/30/2022<br>| XXXX |  |  | TX | Investment | Refinance | Cash Out - Other | 750956 | N/A | N/A |

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## Exhibit 99.23

[HOMES 2023-NQM1 ABS-15G](homes-abs15g_020223.htm)

**EXHIBIT 99.23**

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| **Loan ID** | **Alternate 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 | 10321 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10322 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 9000 | .037 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| XXXX | 10323 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |  |
| XXXX | 10324 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| XXXX | 10325 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXX | 10326 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXX | 10327 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXX | 10328 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXX | 10329 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| XXXX | 10330 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | 3.4 |  |
| XXXX | 10334 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| XXXX | 10331 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | 1 |  |
| XXXX | 10332 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | 2.6 |  |
| XXXX | 10333 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10335 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | 1 |  |
| XXXX | 10336 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 406502 |
| XXXX | 10024 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable |  |  |
| XXXX | 10337 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| XXXX | 10115 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 5000 | .020 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| XXXX | 10025 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | 1 |  |
| XXXX | 10338 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| XXXX | 10339 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |
| XXXX | 10340 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 120000 | .282 | XXXX | Good | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXX | 10341 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |  |
| XXXX | 10342 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXX | 10343 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| XXXX | 10344 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10026 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| XXXX | 10345 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | 2.4 |  |
| XXXX | 10346 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | 6000 | .025 | 92 | 0.08 | XXXX | XXXX | XXXX | 0 | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10347 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXX | 10027 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | 0 |  |
| XXXX | 10028 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXX | 10029 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3000 | .011 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |  |
| XXXX | 10030 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 10002 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| XXXX | 10031 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXX | 10032 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -41000 | -.060 | Pro Teck | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.1 |  |
| XXXX | 10033 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXX | 10034 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| XXXX | 10018 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2900 | .009 | Pro Teck | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXX | 10035 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |
| XXXX | 10019 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable |  |  |
| XXXX | 10036 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXX | 10037 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXX | 10020 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |  |
| XXXX | 10021 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |  |
| XXXX | 10022 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |  |
| XXXX | 10023 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| XXXX | 10126 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXX | 10127 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXX | 10128 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| XXXX | 10689 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| XXXX | 10129 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXX | 10130 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .000 | XXXX | Moderate risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| XXXX | 10131 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| XXXX | 10132 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXX | 10133 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -21000 | -.012 | Pro | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| XXXX | 10134 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXX | 10135 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| XXXX | 10136 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .000 | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 |  |
| XXXX | 10137 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXX | 10138 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| XXXX | 10691 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXX | 10692 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |  |
| XXXX | 10693 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | 1 |  |
| XXXX | 10694 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXX | 10695 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 100000 | .033 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| XXXX | 10696 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| XXXX | 10697 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 10698 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| XXXX | 10699 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| XXXX | 10700 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 875000 | .312 | XXXX | 1004 URAR |  |  |  |  |  |  |  | XXXX | 0 | .000 | XXXX | 0 | XXXX |  |  |  |  |  | XXXX | -400000 | -.143 | Pro Teck | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 |  |
| XXXX | 10701 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| XXXX | 10702 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 |  |
| XXXX | 10703 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 300000 | .113 | XXXX | 1004 URAR |  |  |  |  |  |  |  | XXXX | 0 | .000 | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 10704 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXX | 10705 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXX | 10706 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 |  |
| XXXX | 10707 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -10000 | -.007 | Pro Teck | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| XXXX | 10708 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXX | 10709 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXX | 10710 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| XXXX | 10711 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 121370 | .069 | Pro Teck | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| XXXX | 10712 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXX | 10713 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| XXXX | 10779 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXX | 10780 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| XXXX | 10781 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXX | 10782 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10783 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |  |
| XXXX | 10784 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| XXXX | 10785 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | 1 |  |

---

## Exhibit 99.24

[HOMES 2023-NQM1 ABS-15G](homes-abs15g_020223.htm)

**EXHIBIT 99.24**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Alternate 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 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 | 10321 |  | ATR/QM: Exempt | XXXX | No | No |  | $4502.69 | XXXX |  | $1405.15 | 6.375% | Yes |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  | XXXX |  |  |  |  | 1 | $9892.20 | $573.96 | XXXX | TX | $50.00 | 01/01/1900 |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  |  |  | N/A | 1.06 | 1.060 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10322 |  | ATR/QM: Exempt | XXXX | No | No |  | $6957.73 | XXXX |  | $1231.25 | 6.875% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  |  | 1 | $4212.96 | $1956.60 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  | 2.7 | Manual Underwriting | No | Manual Underwriting |  | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.15 | 1.150 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10323 |  | ATR/QM: Exempt | XXXX | No | No |  | $8541.83 | XXXX |  | $1576.63 | 6.875% | Yes | Yes |  |  |  |  |  |  | US Citizen | US Citizen |  |  | XXXX | XXXX |  |  |  | 1 | $2573.88 | $2768.04 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX | XXXX |  |  | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 2.8 | Manual Underwriting | No | Manual Underwriting |  | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.04 | 1.040 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -834 | XXXX |
| XXXX | 10324 |  | ATR/QM: Exempt | XXXX | No | No |  | $13475.45 | XXXX |  | $1637.66 | 6.375% | Yes |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  | XXXX |  |  |  |  | 1 | $8681.88 | $849.96 | XXXX | TX | $158.33 | 04/19/2022 |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 2.6 | Manual Underwriting | No | Manual Underwriting |  | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.17 | 1.170 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -44734 | XXXX |
| XXXX | 10325 |  | ATR/QM: Exempt | XXXX | No | No |  | $7814.63 | XXXX |  | $1725.27 | 6.750% | Yes | Yes |  |  |  |  |  |  | US Citizen | US Citizen | US Citizen |  | XXXX | XXXX | XXXX |  |  | 1 | $3116.04 | $2994.24 | XXXX | FL | $650.00 | 01/01/1900 |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX | XXXX | XXXX |  | 778 |  | 737 | 736 |  |  |  |  |  |  |  |  |  |  | 736 |  | 1 - Not Stated Not Verified |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower \|\| Co Borrower \|\| Co Borrower 2 | Borrower \|\| Co Borrower \|\| Co Borrower 2 | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.04 | 1.040 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -44738 | XXXX |
| XXXX | 10326 |  | ATR/QM: Exempt | XXXX | No | No |  | $5376.50 | XXXX |  | $1339.02 | 7.125% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  |  | 1 | $621.96 | $623.04 | XXXX | AZ | $150.00 |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.04 | 1.040 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -2079 | XXXX |
| XXXX | 10327 |  | ATR/QM: Exempt | XXXX | No | No |  | $6853.96 | XXXX |  | $1151.01 | 5.999% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  |  | 1 | $6671.04 | $1250.04 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 5.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.71 | 1.710 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -44732 | XXXX |
| XXXX | 10328 |  | ATR/QM: Exempt | XXXX | No | No |  | $6951.78 | XXXX |  | $1526.89 | 6.500% | Yes | Yes |  |  |  |  |  |  | US Citizen | US Citizen |  |  | XXXX | XXXX |  |  |  | 1 | $1429.80 | $764.16 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX | XXXX |  |  | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  |  |  |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.18 | 1.180 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -44738 | XXXX |
| XXXX | 10329 |  | ATR/QM: Exempt | XXXX | No | No |  | $6852.81 | XXXX |  | $640.31 | 6.625% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  |  | 1 | $1277.04 | $735.96 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 | 1.3 | Manual Underwriting | No | Manual Underwriting |  | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.6 | 1.610 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -44739 | XXXX |
| XXXX | 10330 |  | ATR/QM: Exempt | XXXX | No | No |  | $9127.60 | XXXX |  | $1446.12 | 6.000% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  |  | 1 | $2962.68 | $416.04 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  | 3.4 | Manual Underwriting | No | Manual Underwriting |  | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.1 | 1.100 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10334 |  | ATR/QM: Exempt | XXXX | No | No |  | $6920.92 | XXXX |  | $1374.90 | 6.250% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  |  | 1 | $2152.68 | $858.96 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 752 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  | 2.6 | Manual Underwriting | No | Manual Underwriting |  | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.41 | 1.410 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -113 | XXXX |
| XXXX | 10331 |  | ATR/QM: Exempt | XXXX | No | No |  | $9290.31 | XXXX |  | $1484.81 | 6.375% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  |  | 1 | $11214.36 | $1071.00 | XXXX | TX | $36.25 | 01/01/1900 |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1 | 1.000 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -47 |  |
| XXXX | 10332 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 4096 | $5110.58 | XXXX | 6.762% | $948.10 | 6.500% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  |  | 1 | $884.52 | $1344.00 | XXXX | FL | $410.00 | 01/01/1900 |  | 41.67% | 37.89% | 37.89% | XXXX | XXXX |  |  |  | 674 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 15 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified - 2021 | Borrower - 2021 | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 4096 |  | 4.740% |  | 2.6 | Manual Underwriting | No | Manual Underwriting |  | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  | 15 |  | N/A |  | 0.000 |  | N/A | No | Yes | 288 | Yes | 76 | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 10333 |  | ATR/QM: Exempt | XXXX | No | No |  | $15173.56 | XXXX |  | $2019.16 | 6.749% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  |  | 3 | $6441.12 | $2232.96 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 6.749% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.57 | 1.570 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -44727 | XXXX |
| XXXX | 10335 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 7863.96 | $10628.16 | XXXX | 6.194% | $2277.23 | 5.999% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  |  | 1 | $1997.64 | $797.04 | XXXX | NV | $14.00 | 01/01/1900 |  | 37.82% | 37.57% | 37.57% | XXXX | XXXX |  |  |  | 780 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 |  |  |  | XXXX | XXXX | Appendix Q Documentation | 7863.96 |  | 5.310% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 5.999% | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A |  | 0.000 |  | N/A | No | Yes | 144 | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10336 |  | ATR/QM: Exempt | XXXX | No | No |  | $9990.38 | XXXX |  | $942.05 | 6.250% | Yes |  |  |  |  |  |  |  | Foreign National |  |  |  | XXXX |  |  |  | $0.00 | 1 | $347.64 | $1206.00 | XXXX | AR | $41.67 | 01/01/1900 |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 0 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 2.34 | 2.340 |  | N/A | No | NA |  | No |  | N/A | Foreign National | Foreign National | No | Passport |  | N/A | N/A | 01-01-1900 | XXXX | 09-12-2027 | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -100 | XXXX |
| XXXX | 10024 |  | ATR/QM: Exempt | XXXX | No | No |  | $9822.78 | XXXX |  | $1702.33 | 8.000% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  |  | 4 | $6728.04 | $2676.00 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 771 |  |  |  |  |  |  | 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 | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.22 | 1.230 |  | N/A | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Passport |  | NY | United States | 10-12-2025 | XXXX | 02-04-2029 | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10337 |  | ATR/QM: Exempt | XXXX | No | No |  | $5409.42 | XXXX |  | $851.59 | 7.000% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  |  | 1 | $2098.08 | $534.96 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  | 1.2 | Manual Underwriting | No | Manual Underwriting |  | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.58 | 1.590 |  | N/A | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MD | United States | 12-12-2024 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -196 | XXXX |
| XXXX | 10115 |  | ATR/QM: Exempt | XXXX | No | No |  | $10665.67 | XXXX |  | $1496.88 | 8.000% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  |  | 1 | $2550.00 | $1937.04 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 666 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  | 1.7 | Manual Underwriting | No | Manual Underwriting |  | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.12 | 1.120 |  | N/A | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MA | United States | 12-28-2023 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -136 | XXXX |
| XXXX | 10025 |  | ATR/QM: Exempt | XXXX | No | No |  | $6171.00 | XXXX |  | $1197.54 | 7.000% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  |  | 1 | $4656.00 | $2112.36 | XXXX | TX | $12.00 | 01/01/1900 |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.07 | 1.070 |  | N/A | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | TX | United States | 04-16-2030 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10338 |  | ATR/QM: Exempt | XXXX | No | No |  | $9295.76 | XXXX |  | $1477.60 | 6.375% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  | $0.00 | 1 | $3330.84 | $800.04 | XXXX | FL | $6.25 | 01/01/1900 |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 | 1.2 | Manual Underwriting | No | Manual Underwriting |  | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.09 | 1.090 |  | N/A | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | WA | United States | 05-07-2024 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -44762 | XXXX |
| XXXX | 10339 |  | ATR/QM: Exempt | XXXX | No | No |  | $4936.00 | XXXX |  | $2059.68 | 7.625% | Yes | Yes |  |  |  |  |  |  | US Citizen | US Citizen |  |  | XXXX | XXXX |  |  |  | 2 | $3561.84 | $2565.00 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX | XXXX |  |  | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | Manual Underwriting | No | Manual Underwriting |  | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.1 | 1.100 |  | N/A | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | 08-16-2024 |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | 10-16-2024 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -958 | XXXX |
| XXXX | 10340 |  | ATR/QM: Exempt | XXXX | No | No |  | $16384.89 | XXXX |  | $1635.63 | 6.500% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  |  | 1 | $2336.88 | $765.96 | XXXX | CO | $290.00 | 01/01/1900 |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.01 | 1.010 |  | N/A | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act (Driving License) | CO | United States | 09-24-2024 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10341 |  | ATR/QM: Exempt | XXXX | No | No |  | $9639.48 | XXXX |  | $1944.99 | 7.500% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  | $0.00 | 1 | $3198.84 | $2271.00 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 | 2.8 | Manual Underwriting | No | Manual Underwriting |  | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.01 | 1.010 |  | N/A | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CO | United States | 08-26-2026 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -44768 | XXXX |
| XXXX | 10342 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 4356.58 | $4609.18 | XXXX | 9.369% | $834.87 | 8.875% | No |  | Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  |  | 1 | $3175.44 | $480.00 | XXXX | PA | $195.00 | 01/01/1900 |  | 16.11% | 17.37% | 17.37% | XXXX | XXXX |  |  |  | 616 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified | Borrower - Executed 4506T Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 4356.58 |  | 5.880% |  |  | Manual Underwriting | No | Manual Underwriting |  | No | 8.875% | 1 | 0 | 0 | 0 | 1 | 0 |  |  |  | N/A |  | 0.000 |  | N/A | No | NA |  | Yes | 30 | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act (Driving License) | PA | United States | 04-21-2023 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -44769 | XXXX |
| XXXX | 10343 |  | ATR/QM: Exempt | XXXX | No | No |  | $11578.92 | XXXX |  | $1077.64 | 6.625% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  |  | 1 | $2179.32 | $722.28 | XXXX | GA | $60.00 |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  | 2.6 | Manual Underwriting | No | Manual Underwriting |  | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.16 | 1.160 |  | N/A | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Other | USA PATIORT ACT Form (Driver's License) | GA | United States | 06-06-2029 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -891 | XXXX |
| XXXX | 10344 |  | ATR/QM: Exempt | XXXX | No | No |  | $13229.56 | XXXX |  | $2049.00 | 6.625% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  |  | 4 | $656.40 | $1053.00 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  |  |  | N/A | 2.05 | 2.050 |  | N/A | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | 01-01-2027 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -1035 | XXXX |
| XXXX | 10026 |  | ATR/QM: Exempt | XXXX | No | No |  | $2760.99 | XXXX |  | $990.49 | 7.999% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  |  | 1 | $1328.76 | $1856.04 | XXXX | NC |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 676 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  | 1.3 | Manual Underwriting | No | Manual Underwriting |  | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.51 | 1.190 |  |  | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | WA | United States | 12-18-2024 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10345 |  | ATR/QM: Exempt | XXXX | No | No |  | $7891.94 | XXXX |  | $1492.79 | 6.999% | Yes | Yes |  |  |  |  |  |  | US Citizen | US Citizen |  |  | XXXX | XXXX |  |  |  | 1 | $4500.00 | $657.12 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX | XXXX |  |  | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  |  |  |  | 2.4 | Manual Underwriting | No | Manual Underwriting |  | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.19 | 1.200 |  | N/A | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | 12-05-2025 |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | 12-05-2025 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10346 |  | ATR/QM: Exempt | XXXX | Yes | No |  | $6375.45 | XXXX |  | $1293.43 | 7.500% | Yes | Yes |  |  |  |  |  |  | US Citizen | US Citizen |  |  | XXXX | XXXX |  |  | $0.00 | 1 | $5296.92 | $938.04 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX | XXXX |  |  | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.07 | 1.080 |  | N/A | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IL | United States | 11-24-2025 |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IL | United States | 03-21-2024 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -44772 | XXXX |
| XXXX | 10347 |  | ATR/QM: Exempt | XXXX | No | No |  | $5068.86 | XXXX |  | $704.52 | 7.250% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  |  | 1 | $1683.36 | $834.00 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.74 | 1.750 |  | N/A | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NY | United States | 04-28-2027 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10027 |  | ATR/QM: Exempt | XXXX | No | No |  | $18078.92 | XXXX |  | $2494.48 | 6.375% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  |  | 2 | $13560.00 | $900.96 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  | 0 | Manual Underwriting | No | Manual Underwriting |  | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1 | 1.000 |  |  | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NJ | United States | 12-04-2025 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10028 |  | ATR/QM: Exempt | XXXX | No | No |  | $6585.81 | XXXX |  | $1213.28 | 8.875% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  |  | 1 | $3317.16 | $1518.00 | XXXX | TX | $25.00 | 01/01/1900 |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 632 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.09 | 1.100 |  | N/A | No | NA |  | No |  | N/A | Unknown | Permanent Non-US Citizen | N/A | Other | USA Patriot Act (Driving License) | TX | United States of America | 04-27-2024 |  |  | Missing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -44776 | XXXX |
| XXXX | 10029 |  | ATR/QM: Exempt | XXXX | No | No |  | $8203.97 | XXXX |  | $1270.21 | 7.250% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  |  | 1 | $5160.00 | $1785.96 | XXXX | TX | $34.17 |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  | 2.3 | Manual Underwriting | No | Manual Underwriting |  | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.01 | 1.010 |  | N/A | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | 09-01-2029 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -102 | XXXX |
| XXXX | 10030 |  | ATR/QM: Exempt | XXXX | No | No |  | $22100.85 | XXXX |  | $3019.28 | 6.875% | Yes | Yes |  |  |  |  |  |  | US Citizen | US Citizen |  |  | XXXX | XXXX |  |  |  | 1 | $2010.36 | $918.12 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX | XXXX |  |  | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  |  |  |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.07 | 1.070 |  | N/A | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Other | Driver's license | CA | United States | 10-14-2025 |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Driver's License | CA | United States | 10-03-2024 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -44773 | XXXX |
| XXXX | 10002 |  | ATR/QM: Exempt | XXXX | No | No |  | $9268.69 | XXXX |  | $1987.51 | 7.750% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  |  | 1 | $3686.64 | $1325.04 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  | 1.3 | Manual Underwriting | No | Manual Underwriting |  | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.03 | 1.030 |  | N/A | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | 12-28-2025 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -163 | XXXX |
| XXXX | 10031 |  | ATR/QM: Exempt | XXXX | No | No |  | $4568.95 | XXXX |  | $812.11 | 7.875% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  |  | 1 | $7724.40 | $843.96 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.02 | 1.020 |  | N/A | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IL | United States | 11-05-2025 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -44786 | XXXX |
| XXXX | 10032 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No |  | $8143.40 | XXXX | 7.627% | $3548.51 | 7.500% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  |  | 1 | $3254.52 | $1224.00 | XXXX |  |  |  |  | 21.78% | 21.78% | 21.78% | XXXX | XXXX |  |  |  | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 14 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - 1 YR Executed 4506T Verified, Business Bank Statements Verified | Borrower - 1 YR Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 5921 |  | 5.610% |  | 4.1 | Manual Underwriting | No | Manual Underwriting |  | No | 7.500% | 0 | 0 | 0 | 0 | 1 | 0 |  | 14 |  | N/A |  | 0.000 |  |  | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | United States | 02-22-2061 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -238 | XXXX |
| XXXX | 10033 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 4460 | $5641.54 | XXXX | 7.633% | $816.48 | 7.249% | No |  | Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  | $3087.12 | 1 | $0.00 | $753.00 | XXXX | CO | $474.00 | 01/01/1900 |  | 40.01% | 40.03% | 40.03% | XXXX | XXXX |  |  |  | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal,Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Personal Bank Statements Verified, Business Bank Statements Verified, Lease Agreements Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 4460 |  | 5.370% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 7.249% | 2 | 0 | 0 | 0 | 3 | 1 | 12 | 12 |  | N/A |  | 0.000 |  | N/A | No | Yes | 34 | Yes | 34 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CO | United States | 03-09-2025 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -44788 | XXXX |
| XXXX | 10034 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 11854.75 | $16280.18 | XXXX | 7.888% | $4850.85 | 7.750% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  | $15102.03 | 1 | $11562.48 | $2630.40 | XXXX | CA | $259.00 | 01/01/1900 |  | 32.52% | 32.52% | 30.06% | XXXX | XXXX |  |  |  | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 11854.75 |  | 5.610% |  | 1.5 | Manual Underwriting | No | Manual Underwriting |  | No | 7.750% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  | N/A | No | Yes | 24 | Yes | 24 | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | CA | United States | 05-15-2024 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -44787 | XXXX |
| XXXX | 10018 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 5206 | $6005.29 | XXXX | 7.719% | $1740.87 | 7.499% | No |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  |  | 1 | $5429.64 | $1001.04 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | 0 |  | 0.00% |  |  |  | Borrower - N/A - Executed 4506T Verified | Borrower - Executed 4506T Verified | Asset Depletion |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 5206 |  | 5.370% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 7.499% | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  | N/A |  | 0.000 |  | N/A | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | PA | United States | 04-13-2024 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -189 | XXXX |
| XXXX | 10035 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 9886 | $12240.06 | XXXX | 8.219% | $2218.71 | 7.875% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXXX | XXXX |  |  | $17478.58 | 2 | $4781.28 | $2115.24 | XXXX |  |  |  |  | 27.07% | 27.08% | 27.08% | XXXX | XXXX | XXXX |  |  | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 48.00% |  |  | Borrower - CPA Letter Verified, Written VOE Verified, Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower | Borrower - Executed 4506T Verified \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 9886 |  | 5.370% |  | 0 | Manual Underwriting | No | Manual Underwriting |  | No | 7.875% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  | N/A | No | Yes | 12 | Yes | 12 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License | USA Patriot Act | CA | United States | 05-15-2023 |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | 10-15-2022 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -1077 | XXXX |
| XXXX | 10019 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 16664.75 | $19010.62 | XXXX | 8.846% | $4248.25 | 8.500% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  | $32276.43 | 1 | $6282.72 | $603.84 | XXXX |  |  |  |  | 18.21% | 18.39% | 18.39% | XXXX | XXXX |  |  |  | 654 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 16664.75 |  | 5.610% |  |  | Manual Underwriting | No | Manual Underwriting |  | No | 8.500% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | Yes |  | 0.000 |  | N/A | No | Yes | 55 | Yes | 55 | H8 (New Creditor) | US Citizen | US Citizen | N/A | Other | USA Patriot Act | CA | United States | 02-05-2024 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -44787 | XXXX |
| XXXX | 10036 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 9787 | $11798.50 | XXXX | 8.220% | $2192.61 | 7.875% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  | $7682.61 | 1 | $4725.00 | $705.00 | XXXX |  |  |  |  | 45.00% | 45.01% | 45.01% | XXXX | XXXX |  |  |  | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 50.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 9787 |  | 5.610% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 7.875% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  | N/A | No | Yes | 33 | Yes | 33 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | 08-25-2024 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 10037 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 7207.8 | $8841.42 | XXXX | 8.646% | $4411.10 | 8.500% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  | $12560.14 | 1 | $12248.16 | $3255.00 | XXXX | MI | $67.00 |  |  | 45.49% | 45.49% | 45.49% | XXXX | XXXX |  |  |  | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 14 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 7207.8 |  | 5.610% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 8.500% | 0 | 0 | 0 | 0 | 1 | 0 |  | 14 |  | N/A |  | 0.000 |  | N/A | No | Yes | 96 | Yes | 96 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | PA | United States | 05-06-2025 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 10020 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 13371 | $16033.67 | XXXX | 7.696% | $4894.50 | 7.500% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  | $25470.54 | 1 | $10937.52 | $1782.00 | XXXX |  |  |  |  | 20.36% | 20.36% | 20.36% | XXXX | XXXX |  |  |  | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 13371 |  | 5.370% |  | 1.8 | Manual Underwriting | No | Manual Underwriting |  | No | 7.500% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  | N/A | No | Yes | 48 | Yes | 48 | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | CA | United States | 05-12-2025 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -5079 | XXXX |
| XXXX | 10021 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 11186.5 | $12942.06 | XXXX | 8.246% | $3564.11 | 7.999% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  | $7485.65 | 1 | $11204.76 | $1801.08 | XXXX | OH | $20.00 |  |  | 39.35% | 39.35% | 39.35% | XXXX | XXXX |  |  |  | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 100.00% |  | Audited | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Written VOE Verified, Executed 4506T Verified | Borrower - Executed 4506T Verified | 1YR Business P&L |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 11186.5 |  | 5.610% |  | 2.9 | Manual Underwriting | No | Manual Underwriting |  | No | 7.999% | 0 | 0 | 0 | 0 | 1 | 0 |  |  | 12 | N/A |  | 0.000 |  | N/A | No | Yes | 52 | Yes | 52 | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot ACT | NY | United States | 06-27-2025 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 10022 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 17221 | $21137.56 | XXXX | 7.204% | $3448.88 | 6.875% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  | $410780.38 | 1 | $8750.04 | $2006.16 | XXXX |  |  |  |  | 5.15% | 5.15% | 5.15% | XXXX | XXXX |  |  |  | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 50.00% |  |  | Borrower - SESCorp - CPA Letter Verified, Written VOE Verified, Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 17221 |  | 5.370% |  | 2.1 | Manual Underwriting | No | Manual Underwriting |  | No | 6.875% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  | N/A | No | Yes | 152 | Yes | 152 | N/A | US Citizen | US Citizen | N/A | Other | USA PATRIOT | CA | United States | 12-27-2022 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -44796 | XXXX |
| XXXX | 10023 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 22259 | $24188.47 | XXXX | 8.354% | $5277.23 | 8.000% | No | No | Employed | Employed | Employed |  | 3.50 |  | US Citizen | US Citizen | US Citizen |  | XXXX | XXXX | XXXX |  | $7839.73 | 1 | $7511.64 | $1443.00 | XXXX |  |  |  |  | 54.25% | 54.25% | 54.25% | XXXX | XXXX | XXXX | XXXX |  | 678 | 623 | 605 | 642 |  |  |  |  |  |  |  |  |  |  | 623 |  | 1 - Not Stated Not Verified |  | 4 - Stated, 1YR W2 + YTD Paystub OR 2YR Tax Returns |  | 3 - Stated, 3rd Party Verification |  | No | No | 0 |  | 0.00% | 0.00% | 0.00% |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified \|\| Co Borrower 2 - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified | Borrower - Executed 4506T Verified \|\| Co Borrower \|\| Co Borrower 2 | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 22259 |  | 5.060% |  | 2.6 | Manual Underwriting | No | Manual Underwriting |  | No | 8.000% | 2 | 2 | 0 | 0 | 1 | 0 |  |  |  | N/A |  | 0.000 |  | N/A | No | NA |  | Yes | 201 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | 08-13-2024 |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | 05-14-2025 |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License | CA | United States | 05-03-2027 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -2549 | XXXX |
| XXXX | 10126 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 8576.32 | $12322.97 | XXXX | 7.827% | $2310.76 | 7.500% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  |  | 1 | $11502.00 | $1080.00 | XXXX | IL | $35.58 | 01/01/1900 |  | 41.59% | 41.59% | 41.59% | XXXX | XXXX |  |  |  | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SECorporation - CPA Letter Verified, Written VOE Verified, Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  |  |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 8576.32 |  | 5.370% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 7.500% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  | N/A | No | Yes | 95 | Yes | 95 | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | IL | United States | 09-26-2024 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -44804 |  |
| XXXX | 10127 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 6353.5 | $7648.63 | XXXX | 7.059% | $1407.46 | 6.750% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  | $7279.52 | 1 | $5493.72 | $1565.04 | XXXX |  |  |  |  | 21.66% | 21.52% | 21.52% | XXXX | XXXX |  |  |  | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SECorporation - 1 YR Business Tax Returns Verified, Executed 4506T Verified, Business Bank Statements Verified | Borrower - 1 YR Business Tax Returns Verified, Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 6353.5 |  | 5.580% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 6.750% | 0 | 0 | 0 | 1 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  | N/A | No | NA |  | No |  | H8 (New Creditor) | US Citizen | US Citizen | N/A | Real ID Driver's License |  | UT | United States | 11-01-2023 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -682 | XXXX |
| XXXX | 10128 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 8996 | $11185.38 | XXXX | 7.855% | $3043.51 | 7.625% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  |  | 1 | $8751.60 | $4371.84 | XXXX |  |  |  |  | 44.56% | 44.56% | 44.56% | XXXX | XXXX |  |  |  | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 49.00% |  |  | Borrower - SECorporation - Written VOE Verified, Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 8996 |  | 5.200% |  | 2.6 | Manual Underwriting | No | Manual Underwriting |  | No | 7.625% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  | N/A | No | NA |  | Yes | 150 | H8 (New Creditor) | US Citizen | US Citizen | N/A | Other | USA Patriot Act | FL | United States | 01-05-2028 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -3360 | XXXX |
| XXXX | 10689 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 9941 | $11981.83 | XXXX | 7.836% | $2153.58 | 7.500% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXXX | XXXX |  |  |  | 1 | $3611.28 | $1797.72 | XXXX |  |  |  |  | 42.96% | 42.93% | 42.93% | XXXX | XXXX | XXXX |  |  | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 95.00% |  |  | Borrower - Written VOE Verified, Executed 4506T Verified, Personal Bank Statements Verified \|\| Co Borrower | Borrower - Executed 4506T Verified \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 9941 |  | 5.330% |  | 1.3 | Manual Underwriting | No | Manual Underwriting |  | No | 7.500% | 0 | 0 | 0 | 0 | 1 | 0 | 12 |  |  | N/A |  | 0.000 |  | N/A | No | NA |  | Yes | 12 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | 06-10-2028 |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | 06-26-2028 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -607 | XXXX |
| XXXX | 10129 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 5469.4 | $7248.69 | XXXX | 7.716% | $1380.80 | 7.375% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  |  | 1 | $2974.20 | $1839.60 | XXXX | OK | $21.67 |  |  | 31.10% | 31.31% | 31.31% | XXXX | XXXX |  |  |  | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 5469.4 |  | 5.200% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  |  | 0.000 |  | N/A | No | Yes | 60 | Yes | 60 | N/A | US Citizen | US Citizen | N/A | Missing |  |  | United States |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -680 | XXXX |
| XXXX | 10130 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 18357.52 | $20483.69 | XXXX | 8.970% | $4776.06 | 8.625% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXXX | XXXX |  |  | $6950.31 | 1 | $2877.48 | $950.04 | XXXX | AZ | $85.00 |  |  | 49.58% | 50.53% | 50.53% | XXXX | XXXX | XXXX |  |  | 634 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 14 | Personal | 51.61% | 100.00% |  |  | Borrower - 1 YR W2 1099 Verified, Written VOE Verified, Award Letter Verified, Personal Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 18357.52 |  | 5.060% |  | 2.6 | Manual Underwriting | No | Manual Underwriting |  | No | 8.625% | 1 | 0 | 0 | 0 | 0 | 0 | 14 |  |  |  |  | 0.000 |  | N/A | No | NA |  | Yes | 12 | H8 (New Creditor) | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | United States | 02-26-2029 |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | United States | 02-19-2029 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -584 | XXXX |
| XXXX | 10131 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 6826 | $8660.34 | XXXX | 9.481% | $2178.50 | 9.125% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  |  | 1 | $2110.92 | $3727.08 | XXXX |  |  |  |  | 34.46% | 34.46% | 34.46% | XXXX | XXXX |  |  |  | 646 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 6826 |  | 5.730% |  | 1.8 | Manual Underwriting | No | Manual Underwriting |  | No | 9.125% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  |  | 0.000 |  | N/A | No | NA |  | No |  | H8 (New Creditor) | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | TN | United States | 03-20-2027 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -6150 | XXXX |
| XXXX | 10132 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 1471 | $3607.09 | XXXX | 9.985% | $3018.81 | 9.875% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXXX | XXXX |  |  | $8728.15 | 1 | $8547.96 | $1164.00 | XXXX |  |  |  |  | 41.12% | 45.17% | 45.17% | XXXX | XXXX | XXXX |  |  | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 13 | Business | 100.00% | 100.00% |  |  | Borrower - Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower | Borrower - Executed 4506T Verified \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 1471 |  | 5.370% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 9.875% | 0 | 0 | 0 | 0 | 1 | 0 |  | 13 |  | N/A |  | 0.000 |  |  | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IL | United States | 09-23-2025 |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IL | United States | 10-18-2022 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 10133 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 13473 | $15270.93 | XXXX | 8.596% | $11533.70 | 8.500% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  |  | 1 | $29772.36 | $4881.96 | XXXX |  |  |  |  | 21.85% | 21.85% | 21.85% | XXXX | XXXX |  |  |  | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 13473 |  | 5.280% |  | 2.6 | Manual Underwriting | No | Manual Underwriting |  | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  |  | 0.000 |  |  | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act Customer Identification Verification | TX | United States | 06-05-2025 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -1444 | XXXX |
| XXXX | 10134 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 9511 | $10336.88 | XXXX | 8.006% | $5829.56 | 7.875% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  | $26512.40 | 1 | $3669.48 | $1731.00 | XXXX |  |  |  |  | 23.29% | 23.29% | 23.29% | XXXX | XXXX |  |  |  | 657 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - Written VOE Verified, Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 9511 |  | 5.200% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 7.875% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  | N/A | No | NA |  | Yes | 96 | H8 (New Creditor) | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | 11-14-2024 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -710 | XXXX |
| XXXX | 10135 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 26946 | $28129.06 | XXXX | 7.651% | $7183.02 | 7.375% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  | $44781.52 | 1 | $17222.52 | $6171.00 | XXXX |  |  |  |  | 19.01% | 19.01% | 19.01% | XXXX | XXXX |  |  |  | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 33.00% |  |  | Borrower - SESCorp - CPA Letter Verified, Written VOE Verified, Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 26946 |  | 5.610% |  | 1.3 | Manual Underwriting | No | Manual Underwriting |  | No | 7.375% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  | N/A | No | Yes | 264 | Yes | 264 | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CT | United States | 05-05-2024 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 10136 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 23616 | $55.00 | XXXX | 7.002% | $8981.58 | 7.000% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXXX | XXXX |  |  | $20535.91 | 1 | $6936.48 | $2156.04 | XXXX |  |  |  |  | 34.96% | 34.96% | 34.96% | XXXX | XXXX | XXXX |  |  | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% | 0.00% |  | Borrower - Other - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified \|\| Co Borrower - Other - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, Lease Agreements Verified | Borrower - 1 YR Personal Tax Returns Verified, Executed 4506T Verified \|\| Co Borrower - 1 YR Personal Tax Returns Verified | W2/1099 Verified |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 23616 |  | 5.610% |  | 3.4 | Manual Underwriting | No | Manual Underwriting |  | No | 7.000% | 2 | 1 | 1 | 0 | 1 | 0 |  |  |  | N/A |  | 0.000 |  | N/A | No | NA |  | Yes | 24 | H8 (New Creditor) | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NV | United States | 08-31-2028 |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | NV | United States | 11-18-2022 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -314 | XXXX |
| XXXX | 10137 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 13813.97 | $16087.11 | XXXX | 7.480% | $2033.13 | 6.999% | No |  | Self-Employed |  |  |  |  |  | Non Permanent Resident Alien |  |  |  | XXXX |  |  |  | $3539.32 | 1 | $8453.64 | $693.96 | XXXX | TX | $41.25 | 01/01/1900 |  | 49.32% | 49.32% | 49.32% | XXXX | XXXX |  |  |  | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 50.00% |  |  | Borrower - SEPartnership - CPA Letter Verified, Written VOE Verified, Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 13813.97 |  | 5.200% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 6.999% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  | N/A | No | Yes | 24 | Yes | 24 | N/A | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Real ID Driver's License |  | TX | United states of America | 10-11-2023 |  |  | I-551 Stamp and Passport |  | 04-09-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 10138 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 14622.96 | $14271.22 | XXXX | 8.574% | $6079.99 | 8.374% | No |  | Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  | $19746.91 | 1 | $10353.36 | $3615.96 | XXXX | TX | $100.00 |  |  | 39.11% | 39.11% | 39.11% | XXXX | XXXX |  |  |  | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified | Borrower - Executed 4506T Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 14622.96 |  | 5.730% |  | 1.6 | Manual Underwriting | No | Manual Underwriting |  | No | 8.374% | 2 | 0 | 0 | 0 | 1 | 0 |  |  |  | N/A |  | 0.000 |  | N/A | No | NA |  | Yes | 32 | H8 (New Creditor) | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | 08-28-2029 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10691 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 17550.7 | $20471.64 | XXXX | 7.164% | $2877.04 | 6.750% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  | $19771.40 | 1 | $8525.64 | $3155.04 | XXXX | GA | $43.17 |  |  | 17.60% | 17.61% | 17.61% | XXXX | XXXX |  |  |  | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - Written VOE Verified, Executed 4506T Verified, Personal Bank Statements Verified | Borrower - Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 17550.7 |  | 5.950% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 6.750% | 0 | 0 | 0 | 0 | 1 | 0 | 12 |  |  | N/A |  | 0.000 |  | N/A | No | NA |  | Yes | 45 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NY | United States | 02-24-2029 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10692 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 6971 | $8604.02 | XXXX | 7.526% | $1875.98 | 7.250% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  | $3432.36 | 1 | $1990.20 | $1164.96 | XXXX |  |  |  |  | 40.34% | 40.34% | 40.34% | XXXX | XXXX |  |  |  | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, 1 YR Executed 4506T Verified, Business Bank Statements Verified | Borrower - 1 YR Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 6971 |  | 5.580% |  | 3 | Manual Underwriting | No | Manual Underwriting |  | No | 7.250% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  | N/A | No | Yes | 300 | Yes | 300 | H8 (New Creditor) | US Citizen | US Citizen | N/A | Real ID Driver's License |  | UT | United States | 12-02-2023 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -44836 | XXXX |
| XXXX | 10693 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 26257 | $29973.00 | XXXX | 7.879% | $5135.03 | 7.500% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  | $10530.60 | 1 | $6294.48 | $1893.96 | XXXX | CA | $325.00 | 01/01/1900 |  | 45.35% | 45.28% | 45.28% | XXXX | XXXX |  |  |  | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - Written VOE Verified, Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 26257 |  | 6.090% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 7.500% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | NA |  | Yes | 19 | H8 (New Creditor) | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | 03-08-2023 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -596 | XXXX |
| XXXX | 10694 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 14629 | $20582.03 | XXXX | 9.025% | $5175.70 | 8.750% | No | No | Self-Employed | Self-Employed | Self-Employed |  | 4.58 |  | US Citizen | US Citizen | US Citizen |  | XXXX | XXXX | XXXX |  | $6895.04 | 1 | $7137.96 | $731.04 | XXXX |  |  |  |  | 37.84% | 37.83% | 37.83% | XXXX | XXXX | XXXX | XXXX |  | 647 | 612 | 580 | 580 |  |  |  |  |  |  |  |  |  |  | 580 |  | 3 - Verified<2Mos |  | 6 - Stated, 1YRs Verified + CPA Letter |  | 3 - Stated, 3rd Party Verification |  | No | Yes | 12 | Business | 76.15% | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Written VOE Verified, Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified \|\| Co Borrower 2 - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified \|\| Co Borrower \|\| Co Borrower 2 | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 14629 |  | 5.950% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 8.750% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  | N/A | No | Yes | 117 | Yes | 117 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | 10-04-2027 |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | 05-31-2029 |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License | FL | United States | 08-07-2024 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -592 | XXXX |
| XXXX | 10695 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 65163.88 | $76054.81 | XXXX | 7.087% | $15714.11 | 6.874% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  | $18747.08 | 1 | $11210.64 | $4435.44 | XXXX |  |  |  |  | 48.62% | 48.62% | 48.62% | XXXX | XXXX |  |  |  | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 50.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 65163.88 |  | 5.280% |  | 1.1 | Manual Underwriting | No | Manual Underwriting |  | No | 6.874% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  | N/A | No | Yes | 93 | Yes | 93 | H8 (New Creditor) | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | 03-13-2025 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -205 | XXXX |
| XXXX | 10696 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 8671 | $10614.75 | XXXX | 7.890% | $2548.06 | 7.625% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  | $7969.22 | 1 | $4504.08 | $989.04 | XXXX |  |  |  |  | 34.68% | 34.68% | 34.68% | XXXX | XXXX |  |  |  | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - Written VOE Verified, Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 8671 |  | 5.730% |  | 1.7 | Manual Underwriting | No | Manual Underwriting |  | No | 7.625% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  | N/A | No | NA |  | Yes | 149 | H8 (New Creditor) | US Citizen | US Citizen | N/A | Other | USA Patriot Act | CA | United States | 04-10-2023 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10697 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 5596 | $7738.81 | XXXX | 6.740% | $935.80 | 6.375% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  | $2223.04 | 1 | $2515.92 | $654.00 | XXXX |  |  |  |  | 35.07% | 35.06% | 35.06% | XXXX | XXXX |  |  |  | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Executed 4506T Verified, Personal Bank Statements Verified | Borrower - Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 5596 |  | 5.950% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 6.375% | 0 | 0 | 0 | 0 | 1 | 0 | 12 |  |  | N/A |  | 0.000 |  | N/A | No | Yes | 417 | Yes | 417 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OR | United States | 05-05-2030 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 10698 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 5711 | $9391.00 | XXXX | 7.867% | $1482.33 | 7.500% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  | $5162.16 | 1 | $5486.28 | $1035.96 | XXXX |  |  |  |  | 45.48% | 45.48% | 45.48% | XXXX | XXXX |  |  |  | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 5711 |  | 5.950% |  | 1.5 | Manual Underwriting | No | Manual Underwriting |  | No | 7.500% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  | N/A | No | Yes | 117 | Yes | 117 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IL | United States | 09-15-2025 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 10699 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 6371 | $9520.59 | XXXX | 8.993% | $1993.28 | 8.625% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  | $5137.63 | 1 | $7409.04 | $980.04 | XXXX |  |  |  |  | 40.68% | 40.68% | 40.68% | XXXX | XXXX |  |  |  | 657 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 98.55% | 126.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Written VOE Verified, Executed 4506T Verified, Personal Bank Statements Verified, Lease Agreements Verified | Borrower - Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 6371 |  | 5.730% |  | 1.1 | Manual Underwriting | No | Manual Underwriting |  | No | 8.625% | 0 | 0 | 0 | 0 | 1 | 0 | 12 |  |  | N/A |  | 0.000 |  |  | No | Yes | 60 | Yes | 60 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IL | United States | 04-25-2027 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10700 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 24471 | $31374.33 | XXXX | 7.383% | $13643.53 | 7.250% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  | $41462.58 | 1 | $37759.56 | $1140.24 | XXXX |  |  |  |  | 41.49% | 41.49% | 41.49% | XXXX | XXXX |  |  |  | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 24471 |  | 5.950% |  |  | Manual Underwriting | No | Manual Underwriting |  | No | 7.250% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | Yes | 24 | Yes | 24 | H8 (New Creditor) | US Citizen | US Citizen | N/A | Other | USA Patriot Act(Drivers License) | CA | United States | 02-26-2025 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -173 | XXXX |
| XXXX | 10701 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 5888.88 | $6934.47 | XXXX | 8.143% | $1150.92 | 7.750% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  | $4597.35 | 1 | $3651.12 | $1589.64 | XXXX |  |  |  |  | 36.77% | 36.77% | 36.77% | XXXX | XXXX |  |  |  | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SECorporation - Written VOE Verified, Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 5888.88 |  | 6.380% |  | 1.3 | Manual Underwriting | No | Manual Underwriting |  | No | 7.750% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | NA |  | Yes | 49 | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | CO | United States | 01-13-2024 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10702 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 6471 | $7062.67 | XXXX | 7.777% | $1748.04 | 7.500% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  |  | 1 | $6900.00 | $1122.48 | XXXX |  |  |  |  | 43.00% | 43.00% | 43.00% | XXXX | XXXX |  |  |  | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 6471 |  | 6.740% |  | 3.6 | Manual Underwriting | No | Manual Underwriting |  | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  |  | 0.000 |  |  | No | Yes | 24 | Yes | 24 | H8 (New Creditor) | US Citizen | US Citizen | N/A | Other | CIP | PA | United States | 04-21-2025 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -6837 | XXXX |
| XXXX | 10703 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 14197 | $16163.21 | XXXX | 7.243% | $8573.74 | 7.125% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  | $25194.80 | 1 | $1801.44 | $1874.04 | XXXX | AZ | $225.00 |  |  | 31.74% | 31.74% | 31.74% | XXXX | XXXX |  |  |  | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 21 | Personal,Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - Written VOE Verified, Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 14197 |  | 5.160% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 7.125% | 0 | 0 | 0 | 0 | 1 | 0 | 9 | 12 |  | N/A |  | 0.000 |  |  | No | NA |  | Yes | 169 | H8 (New Creditor) | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | AZ | United States | 07-20-2037 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10704 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No |  | $3824.17 | XXXX | 7.974% | $1203.57 | 7.750% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  | $11390.01 | 1 | $1950.00 | $551.04 | XXXX | AZ | $200.00 |  |  | 39.27% | 39.10% | 39.10% | XXXX | XXXX |  |  |  | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.00% | 100.00% |  |  | Borrower - SESCorp - Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 3571 |  | 6.090% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 7.750% | 0 | 0 | 0 | 0 | 1 | 0 |  | 24 |  | N/A |  | 0.000 |  |  | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | 08-12-2027 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -189 | XXXX |
| XXXX | 10705 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 3066 | $3920.49 | XXXX | 8.028% | $707.79 | 7.625% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  | $6402.80 | 1 | $1050.00 | $1169.04 | XXXX | FL | $241.00 |  |  | 17.94% | 17.94% | 17.94% | XXXX | XXXX |  |  |  | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified - 2021 | Borrower - 2021 | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 3066 |  | 6.090% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | Yes | 27 | Yes | 27 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | 03-23-2023 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 10706 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 1471 | $2368.58 | XXXX | 7.869% | $1348.37 | 7.749% | No |  | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  | XXXX |  |  |  | $2099.93 | 1 | $2769.96 | $1290.60 | XXXX | GA | $138.33 |  |  | 47.50% | 47.50% | 47.50% | XXXX | XXXX |  |  |  | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified | Borrower - Executed 4506T Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 1471 |  | 5.950% |  | 4.8 | Manual Underwriting | No | Manual Underwriting |  | No | 7.749% | 1 | 0 | 0 | 0 | 1 | 0 |  |  |  | N/A |  | 0.000 |  |  | No | NA |  | Yes | 21 | N/A | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | GA | United States | 06-14-2023 |  |  | I-551 Stamp and Passport |  | 06-14-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -11987 | XXXX |
| XXXX | 10707 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 10005.4 | $12230.62 | XXXX | 7.476% | $7735.56 | 7.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXXX | XXXX |  |  | $14907.10 | 1 | $17499.96 | $1170.12 | XXXX | CA | $95.00 | 11/01/2022 |  | 43.08% | 43.08% | 43.08% | XXXX | XXXX | XXXX |  |  | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 0.00% | 0.00% |  |  | Borrower - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, Personal Bank Statements Verified, Lease Agreements Verified - 2021 \|\| Co Borrower - 1 Month Paystubs Verified, Personal Bank Statements Verified - 2021 | Borrower - Executed 4506T Verified - 2021 \|\| Co Borrower - 2021 | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 10005.4 |  | 6.090% |  | 5 | Manual Underwriting | No | Manual Underwriting |  | No | 7.375% | 2 | 0 | 0 | 0 | 1 | 0 | 12 |  |  | N/A |  | 0.000 |  |  | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | 07-23-2027 |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | CA | United States | 03-22-2027 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -792 | XXXX |
| XXXX | 10708 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 9083.5 | $10152.91 | XXXX | 7.624% | $1731.02 | 7.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXXX | XXXX |  |  | $7993.70 | 1 | $10401.36 | $2103.48 | XXXX |  |  |  |  | 30.19% | 29.31% | 29.31% | XXXX | XXXX | XXXX |  |  | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 - Verified 2+ Mos | 4 - Verified 2+ Mos |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified | Borrower - Executed 4506T Verified \|\| Co Borrower | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 9083.5 |  | 5.950% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 7.250% | 2 | 2 | 0 | 0 | 1 | 0 |  |  |  | N/A |  | 0.000 |  |  | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NJ | United States | 02-02-2025 |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NJ | United States | 03-01-2024 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10709 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 7621 | $8396.00 | XXXX | 7.849% | $1720.07 | 7.500% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  | $29335.00 | 1 | $1790.76 | $1371.36 | XXXX | IN | $35.42 | 01/01/1900 |  | 12.64% | 12.64% | 12.64% | XXXX | XXXX |  |  |  | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESCorp - Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 7621 |  | 5.950% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 7.500% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IN | United States | 01-04-2024 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -792 | XXXX |
| XXXX | 10710 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 12616 | $15313.94 | XXXX | 7.018% | $3614.31 | 6.750% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  | $7141.43 | 1 | $10142.52 | $1798.56 | XXXX | IL | $19.17 |  |  | 43.98% | 43.98% | 43.98% | XXXX | XXXX |  |  |  | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 13 | Business | 100.00% | 100.00% |  |  | Borrower - SESCorp - CPA Letter Verified, Written VOE Verified, Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 12616 |  | 5.950% |  | 2.6 | Manual Underwriting | No | Manual Underwriting |  | No | 6.750% | 0 | 0 | 0 | 0 | 1 | 0 |  | 13 |  | N/A |  | 0.000 |  |  | No | Yes | 63 | Yes | 63 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IL | United States | 04-19-2023 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10711 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 25551 | $36901.14 | XXXX | 7.694% | $9620.25 | 7.499% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  | $30616.16 | 1 | $21500.04 | $1847.04 | XXXX |  |  |  |  | 27.42% | 27.42% | 27.42% | XXXX | XXXX |  |  |  | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - Written VOE Verified, Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 25551 |  | 6.790% |  | 1.2 | Manual Underwriting | No | Manual Underwriting |  | No | 7.499% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | NA |  | Yes | 23 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | 04-01-2026 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -7043 | XXXX |
| XXXX | 10712 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No |  | $13377.72 | XXXX | 7.453% | $4366.06 | 7.250% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  | $17793.62 | 1 | $11428.92 | $1309.44 | XXXX | CA | $337.00 |  |  | 42.49% | 42.49% | 42.49% | XXXX | XXXX |  |  |  | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 - Verified 2+ Mos | 4 - Verified 2+ Mos |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESCorp - CPA Letter Verified, Written VOE Verified, Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | 12 Month Bank Statement | 7 | 12/01/2012 | 03/01/2013 | 1 | 113 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 10271.26 |  | 6.090% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 7.250% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | Yes | 144 | Yes | 144 | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act(Drivers License) | CA | United States | 11-25-2024 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10713 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 14046.75 | $19456.22 | XXXX | 9.481% | $3720.74 | 9.125% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  | $8473.99 | 1 | $9095.40 | $867.96 | XXXX |  |  |  |  | 35.29% | 35.06% | 35.06% | XXXX | XXXX |  |  |  | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SECorporation - Written VOE 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 |  | XXXX | XXXX | Appendix Q Documentation | 14046.75 |  | 6.790% |  | 2.6 | Manual Underwriting | No | Manual Underwriting |  | No | 9.125% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | NA |  | Yes | 30 | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | OR | United States | 01-08-2029 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -293 | XXXX |
| XXXX | 10779 |  | ATR/QM: Exempt | XXXX | No | No |  | $13455.07 | XXXX |  | $2768.18 | 7.750% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  | $29107.00 | 1 | $6037.44 | $708.12 | XXXX | CA | $180.00 |  |  | 29.26% | 29.19% | 29.19% | XXXX | XXXX |  |  |  | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - Written VOE Verified, Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 7.750% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A | 0 | 0.000 |  |  | No | NA |  | Yes | 106 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | 08-26-2024 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10780 |  | ATR/QM: Exempt | XXXX | No | No |  | $9454.25 | XXXX |  | $2685.20 | 6.750% | Yes | Yes |  |  |  |  |  |  | US Citizen | US Citizen |  |  | XXXX | XXXX |  |  |  | 1 | $4800.00 | $1383.00 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX | XXXX |  |  | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  |  |  |  | 2.6 | Manual Underwriting | No | Manual Underwriting |  | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.13 | 1.170 |  |  | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act Customer Identification Verification | CO | United States | 03-02-2027 |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CO | United States | 07-11-2027 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -1160 |  |
| XXXX | 10781 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 7531.98 | $8427.10 | XXXX | 7.939% | $1905.37 | 7.625% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  | $6383.71 | 1 | $4039.08 | $831.96 | XXXX |  |  |  |  | 34.84% | 34.11% | 34.11% | XXXX | XXXX |  |  |  | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 14 | Business | 100.00% | 9689.00% |  |  | Borrower - SESoleProprietor - Written VOE Verified, Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 7531.98 |  | 6.380% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 7.625% | 0 | 0 | 0 | 0 | 1 | 0 |  | 14 |  | N/A |  | 0.000 |  |  | No | NA |  | Yes | 36 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | 03-09-2022 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10782 |  | ATR/QM: Exempt | XXXX | No | No |  | $8209.61 | XXXX |  | $1281.08 | 7.374% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  |  | 1 | $5856.60 | $1080.96 | XXXX | TX | $36.67 |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 7.374% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.05 | 1.050 |  |  | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act (Driving License) | TX | United States | 08-14-2025 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -420 |  |
| XXXX | 10783 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 7463 | $9149.35 | XXXX | 8.021% | $4344.20 | 7.874% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXXX |  |  |  | $14592.78 | 1 | $20946.00 | $1694.04 | XXXX | TX | $100.00 |  |  | 39.85% | 39.85% | 39.85% | XXXX | XXXX |  |  |  | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 70.00% |  |  | Borrower - SESCorp - CPA Letter Verified, Written VOE Verified, Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 7463 |  | 6.790% |  | 2.3 | Manual Underwriting | No | Manual Underwriting |  | No | 7.874% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | Yes | 15 | Yes | 15 | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | TX | United States | 11-05-2027 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10784 |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No |  | $5316.31 | XXXX | 8.051% | $744.26 | 7.625% | Yes | Yes | Retired | Retired |  |  |  |  | US Citizen | US Citizen |  |  | XXXX | XXXX |  |  |  | 1 | $413.04 | $773.64 | XXXX | FL | $398.00 |  |  | 40.76% | 40.85% | 40.85% | XXXX | XXXX | XXXX |  |  | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Retirement, SSI and Disability - 1 YR W2 1099 Verified, 1 YR Executed 4506T Verified, Award Letter Verified \|\| Co Borrower - Retirement, SSI and Disability - 1 YR W2 1099 Verified, Award Letter Verified | Borrower - 1 YR Executed 4506T Verified \|\| Co Borrower | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 4212.68 |  | 6.790% |  | 1.3 | Manual Underwriting | No | Manual Underwriting |  | No | 7.625% | 1 | 1 | 0 | 0 | 1 | 0 |  |  |  | N/A |  | 0.000 |  |  | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | NY | United States | 07-29-2025 |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | NY | United States | 04-27-2025 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -1258 |  |
| XXXX | 10785 |  | ATR/QM: Exempt | XXXX | No | No |  | $11809.64 | XXXX |  | $2054.46 | 7.749% | Yes | Yes |  |  |  |  |  |  | US Citizen | Permanent Resident Alien |  |  | XXXX | XXXX |  |  |  | 1 | $8837.52 | $687.96 | XXXX | HI | $726.00 |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX | XXXX |  |  | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  |  |  |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 7.749% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.75 | 0.780 |  |  | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | 06-20-2024 |  |  | N/A |  |  | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | CA | United States | 05-13-2024 |  |  | I-151 Permanent Resident Card |  | 08-07-2028 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -2455 |  |

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## Exhibit 99.25

[HOMES 2023-NQM1 ABS-15G](homes-abs15g_020223.htm)

**EXHIBIT 99.25**

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|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Alternate Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 10325 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | 10326 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.04 | 1.13 | The calculation validating the DSCR is as follows: <br> Rents of $1650/ PITIA $1,442.78+ $150 HOA) = 1.04 DSCR<br> Rents of $1650/ PITIA $1,442.78 = 1.14 DSCR |
| XXXX | 10329 | XXXX | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per appraisal property type is Single Family Detached |
| XXXX | 10334 | XXXX | Qualifying Total Reserves Number of Months | tape | 169.68 | 131.00 | True data correct per asset statements on page 234 |
| XXXX | 10334 | XXXX | Total Qualified Assets for Reserves Post-Close | tape | 275882.91 | 213108.36 | True data correct per asset statements on page 234 |
| XXXX | 10332 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | True Data is correct. This is a primary o/o loan with income verified. Non-QM - ATR. |
| XXXX | 10332 | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | Full Doc |  |
| XXXX | 10333 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | 10333 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property Type as per Final 1003 Page #155 and Appraisal Report Page #255 is 'Two to Four Unit' |
| XXXX | 10335 | XXXX | CLTV | propertyValuationPage | 75.82 | 76.13 | XXXX |
| XXXX | 10335 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | True Data correct as per occupancy type on loan approval. Page 1 |
| XXXX | 10335 | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC |  |
| XXXX | 10336 | XXXX | Qualifying FICO | the1008Page | 0 | 660 | Foreign National Borrower, No FICO provided. |
| XXXX | 10336 | XXXX | CLTV | propertyValuationPage | 34.38 | 37.68 | True Data is Correct as per Note and Appraisal on Pages 7 & 220 respectively. |
| XXXX | 10336 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | True Data correct as per appraisal page 220 |
| XXXX | 10336 | XXXX | Qualifying CLTV | diligenceFinalLookPage | 37.64 | 37.68 | Correct CLTV is 34.38% and per Note and Appraisal on Pages 7 & 220 respectively. |
| XXXX | 10336 | XXXX | Qualifying Total Reserves Number of Months | tape | 127.35 | 132.00 | True Data Correct as per HUD 1 settlement on Page 509 dated 07/152022 |
| XXXX | 10336 | XXXX | Calculated DSCR | diligenceFinalLookPage | 2.34 | 2.42 | True Data Correct as per Rental Income, Tax , Insurance and HOA on Pages 53, 86, 219, 226 |
| XXXX | 10024 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Attached | True data correct per appraisal document on page 488 |
| XXXX | 10024 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 13.24 | 13.00 | True data correct per provided asset statements |
| XXXX | 10024 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.23 | 1.22 | True data correct based on the following calculation : DSCR is calculated as Rent/PITIA = 3050/2486.17 = 1.23 |
| XXXX | 10337 | XXXX | Qualifying Total Reserves Number of Months | tape | 66.17 | 65.00 | True data correct per provided asset statements |
| XXXX | 10337 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.59 | 1.58 | True data correct as per the following calculation: Rents of $1700/ PITIA of $1071.01 = 1.587 DSCR. Value was rounded off |
| XXXX | 10115 | XXXX | Qualifying FICO | creditLiabilitiesPage | 666 | 680 | True Data correct as per credit report on page 226 |
| XXXX | 10025 | XXXX | Qualifying Total Reserves Number of Months | tape | 36.39 | 12.00 | True Data is correct as per assets on page 308, 314, 319 |
| XXXX | 10025 | XXXX | Total Qualified Assets for Reserves Post-Close | tape | 64542.96 | 21972.54 | True Data correct as per assets on page 308, 314, 319 |
| XXXX | 10338 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 18.3 | 18.00 | True Data Correct as per asset on page 317. |
| XXXX | 10339 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | True Data Correct as per Appraisal Report page 372. |
| XXXX | 10339 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 51.46 | 51.00 | True data correct per provided HUD statement. |
| XXXX | 10340 | XXXX | Qualifying Total Reserves Number of Months | tape | 34.78 | 39.00 | True Data Correct as per Cash out on HUD 1 Settlement Statement dated 07/27/2022 on page 355. |
| XXXX | 10340 | XXXX | Total Qualified Assets for Reserves Post-Close | tape | 75971.11 | 75977.44 | True Data Correct as per HUD 1 Settlement Statement dated 07/27/2022 on page 355. |
| XXXX | 10341 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 10.82 | 10.00 | True data correct per provided asset statement |
| XXXX | 10342 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Property Type as per Final 1003 Page #120 is 'Primary Residence'. Hence the Originator QM Status is 'Non-QM: Lender documented all ATR UW factors' |
| XXXX | 10343 | XXXX | Total Qualified Assets for Reserves Post-Close | tape | 159232.67 | 157537.99 | True Data is correct as asset on page 269 |
| XXXX | 10343 | XXXX | Qualifying Total Reserves Number of Months | tape | 115.43 | 119.00 | True Data is correct as asset on page 269 |
| XXXX | 10343 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.16 | 1.15 | True Data is correct as per Rent Schedule and PITIA on pages 118, 201. DSCR = $1600/$1379.44 = 1.159 Page 188, 201 & 1021 |
| XXXX | 10344 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | As per Appraisal it was 2-4 Units. But Tape data Showing Incorrect. |
| XXXX | 10344 | XXXX | Qualifying Total Reserves Number of Months | tape | 137.08 | 302.00 | True data correct per provided HUD-1 statement on page 438. |
| XXXX | 10344 | XXXX | Total Qualified Assets for Reserves Post-Close | tape | 300401.65 | 661965.42 | True data correct per provided HUD-1 statement on page 438. |
| XXXX | 10026 | XXXX | Primary Appraised Property Value | diligenceFinalLookPage | XXXX | XXXX | True Data correct as per appraisal report on page 210. |
| XXXX | 10026 | XXXX | Total Qualified Assets for Reserves Post-Close | tape | 10660.84 | 10840.84 | True Data Correct as per asset on page 258, 297, 268, 311 |
| XXXX | 10026 | XXXX | Qualifying Total Reserves Number of Months | tape | 8.49 | 8.00 | True Data Correct as per asset on page 258, 297, 268, 311 |
| XXXX | 10026 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.19 | 1.51 | XXXX |
| XXXX | 10345 | XXXX | First Payment Date | notePage | 10-01-2022 | 09/01/2022 | Tape Data does not match first Payment Date on Note, Page 5 |
| XXXX | 10345 | XXXX | Maturity Date | notePage | 09-01-2052 | 08/01/2052 | Tape Data does not match Maturity Date on Note, Page 5 |
| XXXX | 10345 | XXXX | Total Qualified Assets for Reserves Post-Close | tape | 19935.25 | 165481.75 | True data correct per provided asset statements on page 331 |
| XXXX | 10345 | XXXX | Qualifying Total Reserves Number of Months | tape | 10.37 | 86.00 | True data correct per provided asset statements on page 331 |
| XXXX | 10345 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.2 | 1.19 | Rounding issues. |
| XXXX | 10346 | XXXX | Qualifying Total Reserves Number of Months | tape | 61.08 | 140.00 | True data correct per provided asset statements. |
| XXXX | 10346 | XXXX | Total Qualified Assets for Reserves Post-Close | tape | 110739.76 | 255408.76 | True data correct per provided asset statements. |
| XXXX | 10346 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.08 | 1.07 | True data correct per the following calculation; Rent of $1,950/ PITIA of $1,813.01 = 1.075 DSCR. System rounded off the values. |
| XXXX | 10347 | XXXX | Prepayment Penalty Total Term | notePage | 0 | 36.00 | Per the Note on p. 638 Section 4, there is no pre-payment penalty. True data is correct. |
| XXXX | 10347 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 102.44 | 102.00 | True data is accurate. Please acknowledge. |
| XXXX | 10347 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.75 | 1.74 | True Data is correct as per form 1007 on page 66. DSCR = $1600 / PITI (pg. 419) $914.30 = 1.7499 DSCR. <br> 0.01 Difference- Rounding issue |
| XXXX | 10027 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 69.6 | 58.00 | True Data is correct per the Asset page |
| XXXX | 10028 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 16.85 | 17.00 | Mapping Issue. However, we don't need Assets for Cash-out Refinance |
| XXXX | 10028 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.1 | 1.09 | DSCR is 1.095. System considered round figure of 1.10 |
| XXXX | 10029 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 82.59 | 35.00 | True data correct per provided asset statements<br>|
| XXXX | 10029 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 155542.94 | 65748.98 | True data correct per provided asset statements |
| XXXX | 10030 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 2465.69 | 240376.97 | True data correct per provided asset statements |
| XXXX | 10030 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 0.76 | 73.00 | True data correct per provided asset statements |
| XXXX | 10002 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | considered from given appraisal document and SSR report |
| XXXX | 10002 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 21.88 | 21.00 | True data correct per provided asset statements<br>|
| XXXX | 10002 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.03 | 1.02 | PITIA/Gross Rents (1007) = $1.029 which is approx $1.03 |
| XXXX | 10031 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 27.26 | 27.00 | True data correct per provided asset statements. |
| XXXX | 10031 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.02 | 1.01 | Our DSCR calculation is 1.0156 difference of 0.0344. System round off issue |
| XXXX | 10032 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 18941.42 | 728395.77 | True data correct per provided asset statements |
| XXXX | 10032 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 4.83 | 185.00 | True data correct per provided asset statements |
| XXXX | 10032 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Originator QM Status is 'Non-QM: Lender Documented all ATR' as the Property Type as per Final 1003 in Page #102 & Conditional Approval is 'Second Home' |
| XXXX | 10033 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 17308.04 | 1034.10 | True data correct per provided asset statements |
| XXXX | 10033 | XXXX | Escrow Flag | finalCdDetailPage | Partial | Yes | Taxes are not considered in Final CD, payment letter, lender info, hence escrow flag for taxes not selected as yes on Final CD Tab |
| XXXX | 10033 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Primary Residence: Originator QM Status Should be Non-QM: Lender documented all ATR UW factors. |
| XXXX | 10033 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 11.62 | 1.00 | True data correct per provided asset statements |
| XXXX | 10034 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | 10034 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Second home not investment property |
| XXXX | 10018 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 379143.8 | 379145.05 | True data correct per provided asset statement |
| XXXX | 10018 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 166.53 | 166.00 | True data correct per provided asset statement |
| XXXX | 10018 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | True data correct per provided file documents |
| XXXX | 10035 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 144711.57 | 134945.00 | True data correct per provided asset statements |
| XXXX | 10035 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Attached | True data correct per appraisal on page 270 |
| XXXX | 10035 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 51.8 | 48.00 | True data correct per provided asset statements |
| XXXX | 10035 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Occupancy Type is Primary Residence, hence considered Originator QM status as Non-QM: Lender documented all ATR UW factors, however Tape data is showing incorrect. |
| XXXX | 10019 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Property Type as per Final 1003 Page #95 is 'Primary Residence |
| XXXX | 10036 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Subject Loan is Primary-Purchase. Tape data showing ATR/QM: Exempt status. It should be Non-QM: Lender documented all ATR UW factors. |
| XXXX | 10036 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 22.67 | 22.00 | True data correct per provided statement |
| XXXX | 10036 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 59970.3 | 60071.52 | True data correct per provided statement |
| XXXX | 10037 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 63640.93 | 28792.45 | True data correct per provided asset statements |
| XXXX | 10037 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 11.03 | 5.00 | True data correct per provided asset statements |
| XXXX | 10037 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Occupancy Type is Primary Residence, hence considered Originator QM status as Non-QM: Lender documented all ATR UW factors, however Tape data is showing incorrect. |
| XXXX | 10020 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 65133.39 | 72917.89 | True data correct as per provided asset statements. |
| XXXX | 10020 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Property is Primary Residence hence Originator QM Status selected as Non-QM: Lender documented all ATR UW factors |
| XXXX | 10020 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 10.94 | 12.00 | True data correct as per provided asset statements. |
| XXXX | 10021 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Property is Primary Residence hence Originator QM Status selected as Non-QM: Lender documented all ATR UW factors |
| XXXX | 10021 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 13.49 | 13.00 | True data correct as per provided asset statements. |
| XXXX | 10021 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 62985.68 | 62310.21 | True data correct per provided asset statements. |
| XXXX | 10022 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 618409 | 618408.24 | <br> True data correct per provided asset statements |
| XXXX | 10022 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Occupancy Type is Primary Residence, hence considered Originator QM status as Non-QM: Lender documented all ATR UW factors, however Tape data is showing incorrect. |
| XXXX | 10022 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 142.32 | 142.00 | <br> True data correct per provided asset statements |
| XXXX | 10023 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 110086.33 | 525254.91 | Reserves Amount Calculated with Available Assets after Cash to close Requirements. |
| XXXX | 10023 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 18.28 | 87.00 | Reserves Calculated with Available Assets after Cash to close Requirements. |
| XXXX | 10023 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Property is Primary Residence hence Originator QM Status selected as Non-QM: Lender documented all ATR UW factors. |
| XXXX | 10126 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 15.87 | 12.00 | True data correct per provided asset statements |
| XXXX | 10126 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 53876.97 | 41414.87 | True data correct per provided asset statements |
| XXXX | 10127 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 23386.79 | 25607.19 | True data correct per provided asset statements |
| XXXX | 10127 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 11.72 | 12.00 | True data correct per provided asset statements |
| XXXX | 10128 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 28.77 | 28.00 | Rounded off, Approx values |
| XXXX | 10128 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 119014.51 | 119013.69 | Diff in cents. Approx values |
| XXXX | 10689 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 14.46 | 14.00 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the true data is showing the assets and reserves as of closing - there is a difference on the 1008 in the amount of cash required at closing. |
| XXXX | 10129 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 19.64 | 18.00 | XXXX |
| XXXX | 10129 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 35420.61 | 32420.61 | XXXX |
| XXXX | 10131 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 61.06 | 61.00 | True data correct as per provided assets |
| XXXX | 10132 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 6.2 | 10.00 | • Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the true data is showing the assets and reserves as of closing |
| XXXX | 10132 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 23742.77 | 39055.77 | • Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the true data is showing the assets and reserves as of closing |
| XXXX | 10133 | XXXX | Qualifying FICO | creditLiabilitiesPage | 680 | 648 | Confirmed True Data is correct per Credit Report in file. Finding created for FICO discrepancy. Updated score received Correct score is 680 in finidngs. |
| XXXX | 10133 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 24.33 | 24.00 | Confirmed True Data is correct for Total Reserves Number of Months per Reserves provided on Final 1003 and Bank Statements provided. |
| XXXX | 10133 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Confirmed True Data is correct per Primary Appraisal in file. |
| XXXX | 10134 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 105.72 | 105.00 | Both figures are correct. The tape data is showing the reserves as of the time of approval and the true data is showing the reserves as of closing - there is a difference on the 1008 in the amount of cash required at closing. |
| XXXX | 10135 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Subject loan is Purchase, True data is correct. |
| XXXX | 10136 | XXXX | Verified Doc Type | employmentIncomePage | W2/1099 Verified | ALT DOC |  |
| XXXX | 10136 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 117.71 | 117.00 | XXXX |
| XXXX | 10136 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 1146412.9 | 1144006.64 | XXXX |
| XXXX | 10136 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Loan is Refinance-Rate and Term transaction, but tape data reflecting ATR/QM |
| XXXX | 10137 | XXXX | Borrower 1 SSN | the1003Page | XXXX | XXXX | Updated as per documents SSN card pg#170also shows same as true data however tape is showing incorrect . |
| XXXX | 10137 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 29298.23 | 14597.00 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the true data is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing. |
| XXXX | 10137 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 10.33 | 5.00 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the true data is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing |
| XXXX | 10137 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Occupancy Type is Primary Residence, hence considered Originator QM status as Non-QM: Lender documented all ATR UW factors, however Tape data is showing incorrect. |
| XXXX | 10138 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 111890.39 | 159638.49 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the true data is showing the assets and reserves as of closing – there is a difference on the Conditional Approval in the amount of cash required at closing. |
| XXXX | 10138 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 15.24 | 22.00 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the true data is showing the assets and reserves as of closing – there is a difference on the Conditional Approval in the amount of cash required at closing. |
| XXXX | 10138 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Originator QM Status is "Non-QM: Lender Documented all ATR" as the Property type is Primary Residence as per Final 1003 |
| XXXX | 10691 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 25848.12 | 25847.23 | Assets entered as per latest Bank Statements available in File. Final 1003 not considered the Decimal Values reflecting in Bank Statement. |
| XXXX | 10691 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 6.64 | 6.00 | Assets entered as per latest Bank Statements available in File. Total Assets matching with Final 1003 also with decimal variance |
| XXXX | 10691 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Originator QM Status is Non QM ATR Exempt as the Property type as per Final 1003 is Primary Residence |
| XXXX | 10692 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 3.34 | 3.00 | Updated as per Guidelines, we have enough assets. |
| XXXX | 10693 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 47150.6 | 46617.72 | The tape data is showing the assets and reserves as of the time of approval and the true data is showing the assets and reserves as of closing |
| XXXX | 10693 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 7.68 | 7.00 | The tape data is showing the assets and reserves as of the time of approval and the true data is showing the assets and reserves as of closing |
| XXXX | 10693 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Subject Loan is Primary Residence, Originator QM Status should be Non-QM: Lender documented all ATR UW factors, but Tape data is showing ATR/QM: Exempt. |
| XXXX | 10694 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 35142.82 | 0.00 | Assets are provided in Final 1003 |
| XXXX | 10694 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Subject Loan is Primary Residence Purchase, but tape data is reflecting ATR/QM: Exempt |
| XXXX | 10695 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 410514.31 | 455130.00 | Both figures are correct. The tape data is showing the reserves as of the time of approval and the true data is showing the reserves as of closing - there is a difference on the 1008 in the amount of cash required at closing. |
| XXXX | 10695 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 27.35 | 30.00 | Both figures are correct. The tape data is showing the reserves as of the time of approval and the true data is showing the reserves as of closing - there is a difference on the 1008 in the amount of cash required at closing. |
| XXXX | 10695 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Originator QM Status is "Non-QM: Lender Documented all ATR" as the Property type is Primary Residence as per Final 1003 |
| XXXX | 10696 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 2817.62 | 2352.27 | Total Qualified Assets verified from Latest bank statements and Final CD cash out Amount |
| XXXX | 10696 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Originator QM Status should be Non-QM Lender for Primary Residence where has tape date Shows ATR/QM |
| XXXX | 10697 | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC |  |
| XXXX | 10697 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 9757.34 | 9783.90 | Assets entered as per latest Bank Statements available in File. Total Assets matching with Final 1003. |
| XXXX | 10697 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 8.13 | 8.00 | Assets entered as per latest Bank Statements available in File. Total Assets matching with Final 1003. |
| XXXX | 10697 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Originator QM Status is Non-QM ATR Exempt as the Property type as per Final 1003 is Primary Residence |
| XXXX | 10698 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 15.01 | 15.00 | Total Qualified Assets Post-Close- Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the true data is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing. |
| XXXX | 10698 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | True data is correct, verified as per the provided documents. |
| XXXX | 10699 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 3.85 | 3.00 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the true data is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing. |
| XXXX | 10699 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Originator QM Status is "Non-QM: Lender Documented all ATR" as the Property type is Primary Residence as per Final 1003 |
| XXXX | 10700 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 425477.74 | 414997.90 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the true data is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing. |
| XXXX | 10701 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 7762.58 | 12022.58 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the true data is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing |
| XXXX | 10701 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 4.89 | 7.00 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the true data is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing. |
| XXXX | 10701 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Originator QM Status is "Non-QM: Lender Documented all ATR" as the Property type is Primary Residence as per Final 1003 |
| XXXX | 10702 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 19.94 | 19.00 | Confirmed reserves are 19.94 months |
| XXXX | 10702 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Confirmed since Primary Residence "Non-QM: Lender documented all ATR UW factors" |
| XXXX | 10703 | XXXX | Qualifying FICO | creditLiabilitiesPage | 770 | 767 | As per the latest Credit Report which we have on Page #795, Qualifying Fico confirmed as 770. |
| XXXX | 10703 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 61.89 | 63.00 | As per Guidelines we do not require any Reserves when LTV is <75%, hence updated it as 0 |
| XXXX | 10703 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | As the Property Occupancy is Primary Residence, Originator QM Status will be Non-QM: Lender documented all ATR UW factors. |
| XXXX | 10704 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 26.75 | 35.00 | in tape data Assets considered from bank statement dated 08/31/22 page no. 139 with balance $97660.93, whereas we have latest bank statement dated 09/22/22 page no. 104 with balance of $90165.35. |
| XXXX | 10704 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 43112.95 | 50652.77 | in tape data Assets considered from bank statement dated 08/31/22 page no. 139 with balance $97660.93, whereas we have latest bank statement dated 09/22/22 page no. 104 with balance of $90165.35. |
| XXXX | 10704 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Subject property is second home |
| XXXX | 10705 | XXXX | Loan Program | the1003Page | XXXX | XXXX | Loan program taken correctly from Conditional Loan Approval (Page 1) |
| XXXX | 10705 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 8.61 | 14.00 | Both figures are correct. The tape data is showing assets and reserves at the time of approval whereas true data is showing as of closing. |
| XXXX | 10705 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 9756.37 | 12814.86 | Both figures are correct. The tape data is showing assets and reserves at the time of approval whereas true data is showing as of closing. |
| XXXX | 10705 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX |
| XXXX | 10706 | XXXX | Verified Doc Type | employmentIncomePage | Full Doc | 1YR Full Doc |  |
| XXXX | 10706 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 13.1 | 79.00 | Qualifying total Reserves Updated as per Recent bank statements |
| XXXX | 10706 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 23913.74 | 133913.29 | Total Qualified Assets for Reserves Updated as per Recent bank statements |
| XXXX | 10706 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Originator QM status is Non-QM lender as borrower is qualifying with income. |
| XXXX | 10707 | XXXX | Loan Program | the1003Page | XXXX | XXXX | XXXX |
| XXXX | 10707 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 23.6 | 8.00 | Both figures are correct. Tape Data shows assets and reserves at the time of approval and True data shows as at the time of closing. |
| XXXX | 10707 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 221547.72 | 76320.69 | Both figures are correct. Tape Data shows assets and reserves at the time of approval and True data shows as at the time of closing. |
| XXXX | 10707 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Originator status is Non-QM. |
| XXXX | 10708 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 242427.62 | 235229.78 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the true data is showing the assets and reserves as of Closing - there is a difference on the 1008 in the amount of cash required at closing. |
| XXXX | 10708 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 87.42 | 84.00 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the true data is showing the assets and reserves as of Closing - there is a difference on the 1008 in the amount of cash required at closing. |
| XXXX | 10708 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Originator QM Status is "Non-QM: Lender Documented all ATR" as the property type is Primary Residence as per Final 1003 |
| XXXX | 10709 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 33.15 | 33.00 | Asset updated as per latest bank statement. The tape data is showing the assets and reserves as of the time of approval and the true data is showing the assets and reserves as of closing |
| XXXX | 10710 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 9.71 | 9.00 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the true data is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing. |
| XXXX | 10710 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Originator QM Status is "Non-QM: Lender Documented all ATR" as the Property type is Primary Residence as per Final 1003. |
| XXXX | 10711 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 170584.69 | 171731.20 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the true data is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing. |
| XXXX | 10711 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 14.75 | 14.00 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the true data is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing. |
| XXXX | 10712 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 56402.28 | 186917.85 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the true data is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing. |
| XXXX | 10712 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 9.78 | 34.00 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the true data is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing. |
| XXXX | 10712 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | True data correct per provided file documents |
| XXXX | 10713 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 14.78 | 14.00 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the true data is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing. |
| XXXX | 10713 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Originator QM Status will be Non-Qm Lender for purchase primary Residence where as Tape Data Shows ATR/QM:Exempt |
| XXXX | 10779 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 55.12 | 88.00 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the true data is showing the assets and reserves as of closing |
| XXXX | 10779 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 193503.48 | 295651.30 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the true data is showing the assets and reserves as of closing |
| XXXX | 10780 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 560797.07 | 1182358.71 | True Data Correct Per Provided Settlement Statement. |
| XXXX | 10780 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 175.22 | 369.00 | True Data Correct Per Provided Settlement Statement. |
| XXXX | 10780 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.17 | 1.13 | Tape Date Reflecting 1.13 but True Data Matches with Docs. |
| XXXX | 10781 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 8.17 | 9.00 | Both figures are correct. The tape data is showing the Reserves as of the time of approval and the true data is showing the Reserves as of closing - there is a difference on the 1008 in the amount of cash required at closing. |
| XXXX | 10781 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 18891.15 | 20891.15 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the true data is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing |
| XXXX | 10781 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Confirmed Flag. Value Matching |
| XXXX | 10782 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 76025.25 | 105541.25 | True Data Correct Per Provided Settlement Statement. |
| XXXX | 10782 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 40.1 | 56.00 | The true data values are based on the actual assets and reserves reflected in the loan file |
| XXXX | 10783 | XXXX | Primary Appraised Property Value | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | 10783 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 16.68 | 16.00 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the true data is showing the assets and reserves as of closing |
| XXXX | 10783 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Subject property is Primary Resident, so we have updated Originator QM Status is Non-QM Lender |
| XXXX | 10784 | XXXX | Qualifying CLTV | diligenceFinalLookPage | 66.55 | 66.30 |  |
| XXXX | 10784 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 212.73 | 241.00 | Both figures are correct. The tape data is showing the Reserves as of the time of approval and the true data is showing the Reserves as of closing - there is a difference on the 1008 in the amount of cash required at closing. |
| XXXX | 10784 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 264031.1 | 209420.44 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the true data is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing |
| XXXX | 10784 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Confirmed Flag. Value Matching |
| XXXX | 10785 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 66.89 | 215.00 | Both figures are correct. The tape data is showing the Reserves as of the time of approval and the true data is showing the Reserves as of closing - there is a difference on the 1008 in the amount of cash required at closing. |
| XXXX | 10785 | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | 249877.05 | 649440.69 | Both figures are correct. The tape data is showing the Reserves as of the time of approval and the true data is showing the Reserves as of closing - there is a difference on the 1008 in the amount of cash required at closing. |

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