# EDGAR Filing Document

**Accession Number:** 0001969649
**File Stem:** 0001387131-23-003609
**Filing Date:** 2023-3
**Character Count:** 3354668
**Document Hash:** 0c957a4fb47e69deced964a93933f93e
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001387131-23-003609.hdr.sgml**: 20230317

**ACCESSION NUMBER**: 0001387131-23-003609

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

**PUBLIC DOCUMENT COUNT**: 33

**CONFORMED PERIOD OF REPORT**: 20230317

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

**FILED AS OF DATE**: 20230317

**DATE AS OF CHANGE**: 20230317

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** APF Securitization O4B-23B LLC
- **CENTRAL INDEX KEY:** 0001969649
- **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:** 025-06442
- **FILM NUMBER:** 23741975

**BUSINESS ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **STREET 2:** 44TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
- **BUSINESS PHONE:** 212-750-7300

**MAIL ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **STREET 2:** 44TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** APF Securitization O4B-23B LLC
- **CENTRAL INDEX KEY:** 0001969649
- **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:** 44TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
- **BUSINESS PHONE:** 212-750-7300

**MAIL ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **STREET 2:** 44TH 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>0001969649</u> 

HOMES 2023-NQM2 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, 212-750-7300

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-23B LLC | APF SECURITIZATION O4B-23B LLC |
|  | By: Ares Alternative Credit Management LLC, | By: Ares Alternative Credit Management LLC, |
|  | its manager | its manager |
| Date: March 17, 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-NQM2 ABS-15G](home-abs15g_031723.htm)

**EXHIBIT 99.1**

![](ex991001.jpg)

<br> **March 14, 2023**<br> **Due Diligence Narrative Report** <br>

![](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-NQM2 Due Diligence Narrative Report Page \| 1 March 14, 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 476 residential loans.

APF Holdings I, L.P. subsequently purchased these loans via reliance letter and selected them for the HOMES 2023-NQM2 Transaction.

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

**Originators** 

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
| Broker | 476 | 100.00% |
| **Total** | **476** | **100.00%** |

---

HOMES 2023-NQM2 Due Diligence Narrative Report Page \| 2 March 14, 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. The 77 loans not tested for compliance were reviewed to be business purpose and are not subject to a regulatory compliance review.

---

| | |
|:---|:---|
| Review scope  | &nbsp;&nbsp; # of Files Reviewed  |
| &nbsp;&nbsp;&nbsp;Credit Review | &nbsp;&nbsp;&nbsp;476 |
| &nbsp;&nbsp;&nbsp;Property Valuation Review | &nbsp;&nbsp;&nbsp;476 |
| &nbsp;&nbsp;&nbsp;Regulatory Compliance Review | &nbsp;&nbsp;&nbsp;399 |
| &nbsp;&nbsp;&nbsp;Data Integrity Check | &nbsp;&nbsp;&nbsp;476 |

---

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-NQM2 Due Diligence Narrative Report Page \| 3 March 14, 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 476 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 (476 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 (476 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-NQM2 Valuations Summary Report

HOMES 2023-NQM2 Due Diligence Narrative Report Page \| 4 March 14, 2023

![](ex991002.jpg)

Regulatory Compliance Review

Clayton's regulatory compliance scope of review conducted on 399 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-NQM2 Due Diligence Narrative Report Page \| 5 March 14, 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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Cook County High Cost Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Virginia Lender and Broker Act after 6/1/2008

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● 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)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Sufficiency of coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Escrow of insurance payments

Data Integrity

Clayton utilized its proprietary eCLAS tool to determine tape-to-file accuracy of 476 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-NQM2 Due Diligence Narrative Report Page \| 6 March 14, 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 476 loans reviewed.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;5 | &nbsp;&nbsp;98.95% |
| &nbsp;&nbsp;Borrower DSCR Percent | &nbsp;&nbsp;183 | &nbsp;&nbsp;61.55% |
| &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;217 | &nbsp;&nbsp;54.41% |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.58% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | &nbsp;&nbsp;108 | &nbsp;&nbsp;77.31% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;84 | &nbsp;&nbsp;82.35% |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;4 | &nbsp;&nbsp;99.16% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.58% |
| &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;280 | &nbsp;&nbsp;41.18% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;9 | &nbsp;&nbsp;98.11% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;56 | &nbsp;&nbsp;88.24% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.58% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.79% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;26 | &nbsp;&nbsp;94.54% |
| &nbsp;&nbsp;Representative Credit Score for Grading | &nbsp;&nbsp;17 | &nbsp;&nbsp;96.43% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.79% |
| &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;162 | &nbsp;&nbsp;65.97% |

---

HOMES 2023-NQM2 Due Diligence Narrative Report Page \| 7 March 14, 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** | 240 | 2 | 53 | 104 | **399** |
| **Final** | **B** |  | 33 | 21 | 23 | **77** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **240** | **35** | **74** | **127** | **476** |

---

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** | 280 |  | 48 | 97 | **425** |
| **Final** | **B** |  | 27 | 7 | 17 | **51** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **280** | **27** | **55** | **114** | **476** |

---

**<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** | 433 |  | 19 | 8 | **460** |
| **Final** | **B** |  | 13 | 2 | 1 | **16** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **433** | **13** | **21** | **9** | **476** |

---

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 346 | 3 | 15 | 23 | **387** |
| **Final** | **B** |  | 2 | 9 | 1 | **12** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **346** | **5** | **24** | **24** | **399** |

---

**Clayton Third Party Reports Delivered** 

Clayton furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

**Appendix A: Credit Review Scope** 

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

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

○ DTI

○ LTV/TLTV/HLTV

○ Credit score

○ Income and employment

○ Assets and reserves

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

○ Borrower eligibility, including:

– Citizenship status

– Non- occupant co-borrower

○ Transaction eligibility, including:

Maximum loan amount

– Loan purpose

– Occupancy

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

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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

– 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

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○ 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

– Borrower name variations

○ Occupancy

– Borrower address history

– Subject property ownership history

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○ 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

&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

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– 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

– Locational and/or environmental concerns adequately addressed if present

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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

○ 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

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○ 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.

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

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&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.

● 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.

HOMES 2023-NQM2 Due Diligence Narrative Report Page \| 16 March 14, 2023

![](ex991002.jpg)

&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 |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;Rhode Island, including the Providence ordinance |

---

HOMES 2023-NQM2 Due Diligence Narrative Report Page \| 17 March 14, 2023

![](ex991002.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** |
| &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-NQM2 Due Diligence Narrative Report Page \| 18 March 14, 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** |
| Alabama (the "Mini-code") | Nebraska (Mortgage Bankers Registration and Licensing Act and the Installment Loan Act) |
| Hawaii (Financial Services Loan Company Act) | Nevada (AB 440 |
| Idaho (Residential Mortgage Practices Act) | Ohio (Consumer Sales Practices Act; whether the loan is in Summit County) |
| Illinois (both versions of the Cook County Predatory Lending Database; Illinois Residential Mortgage Licensing Act) | Texas (Article XVI, Section 50(a)(6) of the Texas Constitution) |
| Iowa (Consumer Credit Code) | Utah (Consumer Credit Code) |
| Kansas (Consumer Credit Code) | Virginia (Mortgage Lender and Broker Act) |
| Kentucky (HB 552) | Washington (Consumer Loan Act and Responsible Mortgage Lending Act) |
| Maryland (DLLR Regulations, Commercial Law) | West Virginia (Consumer Credit Protection Act) |
| Massachusetts (Attorney General regulations) | Wyoming (Residential Mortgage Practices Act) |
| 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-NQM2 Due Diligence Narrative Report Page \| 19 March 14, 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-NQM2 Due Diligence Narrative Report Page \| 20 March 14, 2023

## Exhibit 99.2

[HOMES 2023-NQM2 ABS-15G](home-abs15g_031723.htm)

**EXHIBIT 99.2**

---

| | |
|:---|:---|
| **Client Name:** | Ares Management |
| **Client Project Name:** | HOMES 2023-NQM2 |
| **Start - End Dates:** | 4/26/2022 - 12/16/2022 |
| **Deal Loan Count:** | 476 |
| **Valuations Summary** | **Valuations Summary** |
| *Loans in Report:* | *476* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | | |  |  |  | **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** | **Alternate 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** | **Valuation Comments** |
| XXXXXX | 926104 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 24.83% | Collateral Analytics | 1.000 | 64 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 925785 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 925792 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | -7.89% | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.3 | XXXXXX |
| XXXXXX | 925791 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 925787 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 13.81% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 13.81% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 925795 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -2.52% |  |  | $0.00 | $0.00 | 0.00% | 3.5 | XXXXXX |
| XXXXXX | 925796 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 931324 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 | XXXXXX |
| XXXXXX | 925803 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 925804 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 | XXXXXX |
| XXXXXX | 925805 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 925811 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 | XXXXXX |
| XXXXXX | 925812 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 925814 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -1.64% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 | XXXXXX |
| XXXXXX | 925815 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 5.41% |  |  | $0.00 | $0.00 | 0.00% | 2.4 | XXXXXX |
| XXXXXX | 925816 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 | XXXXXX |
| XXXXXX | 925818 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 926106 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 | XXXXXX |
| XXXXXX | 925820 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 925822 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 | XXXXXX |
| XXXXXX | 925823 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 925826 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 | XXXXXX |
| XXXXXX | 925834 | 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 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -30.77% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 926107 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 925838 | 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 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -9.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 925839 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 926109 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 | XXXXXX |
| XXXXXX | 925843 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.8 | XXXXXX |
| XXXXXX | 928012 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 5.41% | Drive By | XXXXXX | XXXXXX | XXXXXX | -1.08% | Collateral Analytics | 6.000 | 94 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 925845 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 925846 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.3 | XXXXXX |
| XXXXXX | 925848 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 925849 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 925852 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 12.90% | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 925854 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 | XXXXXX |
| XXXXXX | 925855 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 925857 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 925858 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 925860 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 925862 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 925863 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 | XXXXXX |
| XXXXXX | 926112 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 925867 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% | 1075 Exterior-Only Condo (Mar | XXXXXX | XXXXXX | XXXXXX | 1.19% | (No Data) | XXXXXX |
| XXXXXX | 925870 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 925872 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 926096 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 925875 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 | XXXXXX |
| XXXXXX | 925877 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 926019 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -3.45% |  | $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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.1 | XXXXXX |
| XXXXXX | 925880 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 999 | XXXXXX |
| XXXXXX | 925883 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 | XXXXXX |
| XXXXXX | 926114 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 926115 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 925885 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 926053 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 927725 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 6.06% | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.3 | XXXXXX |
| XXXXXX | 925889 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 925890 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 | XXXXXX |
| XXXXXX | 927882 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 926054 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 | XXXXXX |
| XXXXXX | 925899 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 925900 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.7 | XXXXXX |
| XXXXXX | 926116 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 926056 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 | XXXXXX |
| XXXXXX | 925905 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -1.47% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 925907 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 925909 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 926117 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.2 | XXXXXX |
| XXXXXX | 925911 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 925913 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -6.88% |  |  | $0.00 | $0.00 | 0.00% | 3.8 | XXXXXX |
| XXXXXX | 926120 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 928014 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 925922 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 | XXXXXX |
| XXXXXX | 926121 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 | XXXXXX |
| XXXXXX | 925932 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 925934 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -3.38% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 926045 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -22.50% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -22.50% | Reconciliation | XXXXXX | XXXXXX | XXXXXX | 0.00% | 3.2 | XXXXXX |
| XXXXXX | 926123 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 | XXXXXX |
| XXXXXX | 925937 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 925942 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -9.52% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.9 | XXXXXX |
| XXXXXX | 933440 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 928015 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | -20.00% | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 925945 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 | XXXXXX |
| XXXXXX | 926223 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 925951 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 925952 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 | XXXXXX |
| XXXXXX | 925953 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 925954 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 | XXXXXX |
| XXXXXX | 926125 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 933441 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 | XXXXXX |
| XXXXXX | 925958 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933442 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 | XXXXXX |
| XXXXXX | 925965 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 925966 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -2.82% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 925967 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 6.67% | 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 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -18.67% |  |  | $0.00 | $0.00 | 0.00% | 1.6 | XXXXXX |
| XXXXXX | 926017 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.2 | XXXXXX |
| XXXXXX | 925969 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 | XXXXXX |
| XXXXXX | 925970 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -11.03% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 925971 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 926042 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 | XXXXXX |
| XXXXXX | 926131 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 | XXXXXX |
| XXXXXX | 926020 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 927883 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 | XXXXXX |
| XXXXXX | 926018 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -3.85% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 926048 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 926136 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 926137 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 926237 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 926146 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -5.12% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 928016 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -21.75% | Reconciliation | XXXXXX | XXXXXX | XXXXXX | 0.00% | 2.5 | XXXXXX |
| XXXXXX | 926148 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 925989 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 | XXXXXX |
| XXXXXX | 926149 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 925991 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 926063 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -7.69% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 926023 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 | XXXXXX |
| XXXXXX | 926151 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 | XXXXXX |
| XXXXXX | 926154 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 927897 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 | XXXXXX |
| XXXXXX | 926066 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 | XXXXXX |
| XXXXXX | 927898 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 926025 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.7 | XXXXXX |
| XXXXXX | 925997 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 | XXXXXX |
| XXXXXX | 926156 | 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 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 6.67% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 926026 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 925998 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 6.79% |  |  | $0.00 | $0.00 | 0.00% | 2.6 | XXXXXX |
| XXXXXX | 926157 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 | XXXXXX |
| XXXXXX | 926067 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 | XXXXXX |
| XXXXXX | 926159 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 927734 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 926091 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 | XXXXXX |
| XXXXXX | 927899 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 | XXXXXX |
| XXXXXX | 926050 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 14.07% |  |  | $0.00 | $0.00 | 0.00% | 2.6 | XXXXXX |
| XXXXXX | 926001 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 926002 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.8 | XXXXXX |
| XXXXXX | 926027 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 | XXXXXX |
| XXXXXX | 926003 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% | 1075 Exterior-Only Condo (Mar | XXXXXX | XXXXXX | XXXXXX | -1.04% | 1.8 | XXXXXX |
| XXXXXX | 926161 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 926028 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 | XXXXXX |
| XXXXXX | 926163 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 926090 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 | XXXXXX |
| XXXXXX | 927723 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 | XXXXXX |
| XXXXXX | 926165 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 926166 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 927873 | 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 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 5.18% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 926169 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.8 | XXXXXX |
| XXXXXX | 926049 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 | XXXXXX |
| XXXXXX | 926029 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 926172 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 926173 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 926174 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -12.40% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -10.85% | Reconciliation | XXXXXX | XXXXXX | XXXXXX | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 926175 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 926177 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 | XXXXXX |
| XXXXXX | 926178 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.1 | XXXXXX |
| XXXXXX | 926033 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 926182 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 | XXXXXX |
| XXXXXX | 926032 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 926186 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 926224 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 926188 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 926078 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 926079 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 926192 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 | XXXXXX |
| XXXXXX | 926194 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 | XXXXXX |
| XXXXXX | 926034 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 926198 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 927902 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 | XXXXXX |
| XXXXXX | 927904 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 926199 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 927797 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 3.02% |  |  | $0.00 | $0.00 | 0.00% | 4.4 | XXXXXX |
| XXXXXX | 927798 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 | XXXXXX |
| XXXXXX | 927903 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 | XXXXXX |
| XXXXXX | 926200 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 | XXXXXX |
| XXXXXX | 926201 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 4.00% | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 927868 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 927801 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 5.93% |  |  | $0.00 | $0.00 | 0.00% | 1.4 | XXXXXX |
| XXXXXX | 926081 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 927781 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 | XXXXXX |
| XXXXXX | 928020 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 | XXXXXX |
| XXXXXX | 926204 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 | XXXXXX |
| XXXXXX | 927709 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 8.10% |  |  | $0.00 | $0.00 | 0.00% | 1.8 | XXXXXX |
| XXXXXX | 926082 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 | XXXXXX |
| XXXXXX | 926037 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -15.03% | Reconciliation | XXXXXX | XXXXXX | XXXXXX | -13.59% | 3.1 | XXXXXX |
| XXXXXX | 927806 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 926038 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 | XXXXXX |
| XXXXXX | 927808 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 927743 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 927905 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.1 | XXXXXX |
| XXXXXX | 927809 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 | XXXXXX |
| XXXXXX | 926211 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 2.22% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 | XXXXXX |
| XXXXXX | 926043 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 | XXXXXX |
| XXXXXX | 927865 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 2.17% |  |  | $0.00 | $0.00 | 0.00% | 1.4 | XXXXXX |
| XXXXXX | 927810 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 | XXXXXX |
| XXXXXX | 927811 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 926083 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 | XXXXXX |
| XXXXXX | 927815 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 2.33% | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.6 | XXXXXX |
| XXXXXX | 927816 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 927907 | 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 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -9.47% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 926085 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 926046 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.2 | XXXXXX |
| XXXXXX | 926229 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 | XXXXXX |
| XXXXXX | 926095 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -0.18% |  |  | $0.00 | $0.00 | 0.00% | 1.8 | XXXXXX |
| XXXXXX | 927750 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.4 | XXXXXX |
| XXXXXX | 927908 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 | XXXXXX |
| XXXXXX | 927711 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.4 | XXXXXX |
| XXXXXX | 926222 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 926221 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 927874 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 927822 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -49.51% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 927866 | 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 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 3.08% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 927824 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 927776 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 927911 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 | XXXXXX |
| XXXXXX | 927827 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 927912 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 927772 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 | XXXXXX |
| XXXXXX | 927872 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.7 | XXXXXX |
| XXXXXX | 927832 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% | Other | XXXXXX | XXXXXX | XXXXXX | 0.00% | 1.7 | XXXXXX |
| XXXXXX | 927833 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | -5.99% | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 927712 | 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 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -2.37% |  |  | $0.00 | $0.00 | 0.00% | 2.7 | XXXXXX |
| XXXXXX | 927778 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 2.44% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 927837 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 927915 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 927779 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 927840 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.3 | XXXXXX |
| XXXXXX | 933444 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 | XXXXXX |
| XXXXXX | 927841 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 928024 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -1.50% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 927761 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 | XXXXXX |
| XXXXXX | 927846 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 928025 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 933663 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 927783 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -15.61% | Collateral Analytics | 21.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -27.22% | Reconciliation | XXXXXX | XXXXXX | XXXXXX | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 927848 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 927919 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 927849 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 927766 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 | XXXXXX |
| XXXXXX | 927852 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 6.67% |  |  | $0.00 | $0.00 | 0.00% | 1.3 | XXXXXX |
| XXXXXX | 928029 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.1 | XXXXXX |
| XXXXXX | 927854 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 | XXXXXX |
| XXXXXX | 927957 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 927856 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 927857 | 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 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 5.32% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 928031 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 927859 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -5.13% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 928005 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 928030 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 927893 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 | XXXXXX |
| XXXXXX | 933605 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.1 | XXXXXX |
| XXXXXX | 928032 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -3.95% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 | XXXXXX |
| XXXXXX | 927756 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933446 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 927959 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 | XXXXXX |
| XXXXXX | 933447 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | -13.04% | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% | Reconciliation | XXXXXX | XXXXXX | XXXXXX | -5.37% | 4.4 | XXXXXX |
| XXXXXX | 927960 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 | XXXXXX |
| XXXXXX | 927927 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 141.38% | 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 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 124.14% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 928034 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 927920 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 | XXXXXX |
| XXXXXX | 927929 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.7 | XXXXXX |
| XXXXXX | 928035 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 | XXXXXX |
| XXXXXX | 927933 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 3.29% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 927716 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 | XXXXXX |
| XXXXXX | 927718 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933378 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 | XXXXXX |
| XXXXXX | 927932 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 | XXXXXX |
| XXXXXX | 908774 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 | XXXXXX |
| XXXXXX | 933449 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 | XXXXXX |
| XXXXXX | 928042 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 | XXXXXX |
| XXXXXX | 927945 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | -1.08% | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 | XXXXXX |
| XXXXXX | 928043 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 | XXXXXX |
| XXXXXX | 933622 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 928044 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 928047 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -5.71% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.7 | XXXXXX |
| XXXXXX | 928049 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.3 | XXXXXX |
| XXXXXX | 928048 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 | XXXXXX |
| XXXXXX | 927770 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 | XXXXXX |
| XXXXXX | 927931 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 19.89% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 928095 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 | XXXXXX |
| XXXXXX | 928052 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 927973 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 | XXXXXX |
| XXXXXX | 928053 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 | XXXXXX |
| XXXXXX | 931355 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 927975 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 928054 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 927947 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 | XXXXXX |
| XXXXXX | 928056 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 928091 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 | XXXXXX |
| XXXXXX | 927980 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 927935 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 928058 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 928059 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 928060 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 | XXXXXX |
| XXXXXX | 928062 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -10.81% | Reconciliation | XXXXXX | XXXXXX | XXXXXX | 0.00% | 1 | XXXXXX |
| XXXXXX | 928066 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 9.42% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933453 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | -2.40% | Drive By |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933454 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 | XXXXXX |
| XXXXXX | 928068 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 927982 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 | XXXXXX |
| XXXXXX | 927984 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 4.20% | BPO (Broker Price Opinion) | XXXXXX | XXXXXX | XXXXXX | 7.07% | (No Data) | XXXXXX |
| XXXXXX | 927936 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 704443 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | -1.13% | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933381 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 | XXXXXX |
| XXXXXX | 928013 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 3.46% |  |  | $0.00 | $0.00 | 0.00% | 3.5 | XXXXXX |
| XXXXXX | 927937 | 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 |  | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 | XXXXXX |
| XXXXXX | 933456 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 | XXXXXX |
| XXXXXX | 933424 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 928073 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 | XXXXXX |
| XXXXXX | 928075 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 928009 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -5.71% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933429 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 24.32% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933519 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 933609 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 | XXXXXX |
| XXXXXX | 933435 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 | XXXXXX |
| XXXXXX | 928078 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 | XXXXXX |
| XXXXXX | 933460 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 | XXXXXX |
| XXXXXX | 933434 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933461 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 | XXXXXX |
| XXXXXX | 928079 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 928081 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.8 | XXXXXX |
| XXXXXX | 927988 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 27.79% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 928082 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 928083 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 | XXXXXX |
| XXXXXX | 933518 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -4.17% |  | $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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 | XXXXXX |
| XXXXXX | 927994 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933464 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 | XXXXXX |
| XXXXXX | 933466 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933468 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 927941 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 927943 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -6.29% |  |  | $0.00 | $0.00 | 0.00% | 1.6 | XXXXXX |
| XXXXXX | 933471 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933472 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 | XXXXXX |
| XXXXXX | 933641 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933358 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933627 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 928087 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -0.99% |  |  | $0.00 | $0.00 | 0.00% | 1.8 | XXXXXX |
| XXXXXX | 928088 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 927997 | 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 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 9.79% |  |  | $0.00 | $0.00 | 0.00% | 2.6 | XXXXXX |
| XXXXXX | 933393 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 | XXXXXX |
| XXXXXX | 933477 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933394 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 | XXXXXX |
| XXXXXX | 933543 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933517 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% | Clear Capital Valuation | XXXXXX | XXXXXX | XXXXXX | 0.00% | 1 | XXXXXX |
| XXXXXX | 928097 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 | XXXXXX |
| XXXXXX | 933395 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 | XXXXXX |
| XXXXXX | 928098 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 | XXXXXX |
| XXXXXX | 933485 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 | XXXXXX |
| XXXXXX | 928089 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933486 | 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 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -5.64% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933399 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933400 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 | XXXXXX |
| XXXXXX | 933544 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 | XXXXXX |
| XXXXXX | 933588 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.7 | XXXXXX |
| XXXXXX | 927948 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 1.27% |  |  | $0.00 | $0.00 | 0.00% | 3.5 | XXXXXX |
| XXXXXX | 933679 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 | XXXXXX |
| XXXXXX | 933489 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 | XXXXXX |
| XXXXXX | 223155 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 933545 | 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 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -1.81% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933538 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -7.04% |  |  | $0.00 | $0.00 | 0.00% | 2 | XXXXXX |
| XXXXXX | 933494 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 48216 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 | XXXXXX |
| XXXXXX | 933595 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -2.78% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 | XXXXXX |
| XXXXXX | 933547 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 | XXXXXX |
| XXXXXX | 933634 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 | XXXXXX |
| XXXXXX | 933499 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.1 | XXXXXX |
| XXXXXX | 933408 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933430 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 | XXXXXX |
| XXXXXX | 933433 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 2.93% |  |  | $0.00 | $0.00 | 0.00% | 3.6 | XXXXXX |
| XXXXXX | 933548 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 933503 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 933550 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933673 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.1 | XXXXXX |
| XXXXXX | 933675 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -5.49% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.3 | XXXXXX |
| XXXXXX | 933662 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 | XXXXXX |
| XXXXXX | 933521 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 | XXXXXX |
| XXXXXX | 933438 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 | XXXXXX |
| XXXXXX | 933508 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.2 | XXXXXX |
| XXXXXX | 933644 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933552 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933511 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933587 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.4 | XXXXXX |
| XXXXXX | 933636 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 | XXXXXX |
| XXXXXX | 933664 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933610 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.8 | XXXXXX |
| XXXXXX | 933608 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933632 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 933678 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933645 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 933677 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.2 | XXXXXX |
| XXXXXX | 933652 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 933513 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 | XXXXXX |
| XXXXXX | 933555 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933647 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 | XXXXXX |
| XXXXXX | 933617 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 933656 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933604 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 21.83% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933514 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933646 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 | XXXXXX |
| XXXXXX | 933676 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933558 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933624 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 | XXXXXX |
| XXXXXX | 933559 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933665 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.8 | XXXXXX |
| XXXXXX | 933666 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 933680 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 13.33% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933535 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933628 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -7.89% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.1 | XXXXXX |
| XXXXXX | 933667 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933653 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 | XXXXXX |
| XXXXXX | 933648 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933585 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 | XXXXXX |
| XXXXXX | 933606 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933638 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 933607 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933650 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 | XXXXXX |
| XXXXXX | 933649 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933620 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.1 | XXXXXX |
| XXXXXX | 933654 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 | XXXXXX |
| XXXXXX | 933619 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 | XXXXXX |
| XXXXXX | 933682 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 933613 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 15.63% |  |  | $0.00 | $0.00 | 0.00% | 5 | XXXXXX |
| XXXXXX | 933672 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 | XXXXXX |
| XXXXXX | 933516 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 | XXXXXX |
| XXXXXX | 933685 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 | XXXXXX |
| XXXXXX | 933601 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -12.74% | Reconciliation | XXXXXX | XXXXXX | XXXXXX | 0.00% | 3.4 | XXXXXX |
| XXXXXX | 933637 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 | XXXXXX |
| XXXXXX | 933618 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 933686 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 | XXXXXX |
| XXXXXX | 933657 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 | XXXXXX |
| XXXXXX | 933630 | 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 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -60.33% | Reconciliation | XXXXXX | XXXXXX | XXXXXX | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 933629 | 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 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -14.54% | Reconciliation | XXXXXX | XXXXXX | XXXXXX | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 933633 | 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 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -60.50% | Reconciliation | XXXXXX | XXXXXX | XXXXXX | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 933658 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933681 | 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 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -4.50% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 933640 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933655 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 17.74% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933668 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 | XXXXXX |
| XXXXXX | 933639 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.1 | XXXXXX |
| XXXXXX | 933621 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 933623 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 933625 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 933669 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933568 | 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 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 1.36% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 933603 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 933570 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933591 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933659 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933674 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 | XXXXXX |
| XXXXXX | 933642 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933683 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 | XXXXXX |
| XXXXXX | 933530 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933572 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933670 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933612 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933615 | 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 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 20.17% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 933533 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 13.05% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 933643 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933684 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.78% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933631 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933575 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 | XXXXXX |
| XXXXXX | 933651 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 | XXXXXX |
| XXXXXX | 933611 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933626 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933671 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 933577 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.2 | XXXXXX |
| XXXXXX | 933540 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 | XXXXXX |
| XXXXXX | 933578 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933660 | 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 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -13.64% | Reconciliation | XXXXXX | XXXXXX | XXXXXX | 0.00% | 1 | XXXXXX |
| XXXXXX | 933616 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 933661 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 | XXXXXX |
| XXXXXX | 933581 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933584 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933635 | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |
| XXXXXX | 933582 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933614 | 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 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 3.68% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933583 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX |
| XXXXXX | 933599 | 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 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 4.41% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXXXX |

---

## Exhibit 99.3

[HOMES 2023-NQM2 ABS-15G](home-abs15g_031723.htm)

**EXHIBIT 99.3**

---

| | |
|:---|:---|
| **Client Name:** | **Ares Management** |
| **Client Project Name:** | **HOMES 2023-NQM2** |
| **Start - End Dates:** | **4/26/2022 - 12/16/2022** |
| **Deal Loan Count:** | **476** |
| **ATR QM Upload** | **ATR QM Upload** |
| *Loans in Report:* | *476* |

---

---

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| **Loan Number** | **Alternate 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** |
| XXXXXX | 926104 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.2490 | 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) | -3498.84 | 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) | Yes | 6800.00 | No | (No Data) | 1.9435 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 925785 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.2500 | 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) | -3438.3 | 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 | 2700.00 | No | (No Data) | 0.7852 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 925792 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.3749 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -13425.59 | 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) | Yes | 11500.00 | No | (No Data) | 1.1030 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 925791 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.2499 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2337.19 | 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 | 3000.00 | No | (No Data) | 1.2835 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 925787 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.2499 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2274.29 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3500.00 | No | (No Data) | 1.5389 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 925795 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.4733 | Yes | Yes | 2.133 | 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 | 14.61 | 14.61 | 14.61 | 14.61 | 14.61 | 14.61 | Yes | Yes | Yes | 69470.72 | 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 | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 925796 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.6383 | Yes | Yes | 1.196 | 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 | 16.06 | 16.09 | 16.06 | 16.09 | 16.09 | 16.09 | Yes | Yes | Yes | 99301.74 | 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) | 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) |
| XXXXXX | 931324 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | Yes | 1 | 7.7545 | No | Yes | 2.255 | 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 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -9664 | 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 | 6 | Yes | 6 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 6 months; | Personal Bank Statements - 6 months; | (No Data) | (No Data) |
| XXXXXX | 925803 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.2499 | 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) | -2282.59 | 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 | 4000.00 | 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) |
| XXXXXX | 925804 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.1241 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5458.15 | 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 | 1950.00 | No | (No Data) | 1.1883 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 925805 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.8001 | Yes | Yes | 3.036 | 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 | 37.78 | 37.78 | 37.78 | 37.78 | 37.78 | 37.78 | No | No | (No Data) | 6130.87 | 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) |
| XXXXXX | 925811 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.4164 | Yes | Yes | 1.263 | 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 | 9.82 | 9.65 | 9.82 | 9.65 | 9.65 | 9.65 | No | No | (No Data) | 85274.78 | 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) |
| XXXXXX | 925812 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -1916.92 | 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 Data) | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.2520 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 925814 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.4444 | Yes | Yes | 2.268 | 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 | 25.97 | 25.97 | 25.97 | 24.92 | 24.92 | 25.44 | No | No | (No Data) | 49523.14 | 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) |
| XXXXXX | 925815 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.1147 | No | Yes | 1.135 | 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 | 41.61 | 44.8 | 41.61 | 44.8 | 44.8 | 44.8 | No | No | (No Data) | 12669.2 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| XXXXXX | 925816 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.0000 | 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 | 43.4 | 0 | 43.4 | 43.4 | 43.4 | (No Data) | (No Data) | (No Data) | 18196.28 | 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) | 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) |
| XXXXXX | 925818 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -3635.7 | 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 | 4350.00 | No | (No Data) | 1.1964 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926106 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.7499 | 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) | -2185.39 | 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 | 2500.00 | No | (No Data) | 1.1439 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 925820 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.6250 | 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) | -2576.03 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3500.00 | No | (No Data) | 1.3586 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 925822 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.7499 | 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) | -2903.98 | 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 Data) | No | (No Data) | (No Data) | Yes | 3700.00 | No | (No Data) | 1.2741 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 925823 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | No | No | 1 | 6.7001 | Yes | Yes | 2.009 | 2.009 | (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 | 9.26 | 9.22 | 9.26 | 9.22 | 9.22 | 9.22 | Yes | Yes | Yes | 55568.5 | 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) | 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) |
| XXXXXX | 925826 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.9991 | 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) | -850.88 | 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 | 935.00 | No | (No Data) | 1.0988 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 925834 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -3830.73 | 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) | Yes | 3700.00 | No | (No Data) | 1.4177 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926107 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -1580.6 | 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 | 1600.00 | No | (No Data) | 1.0122 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 925838 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -4353.03 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 4400.00 | No | (No Data) | 1.0107 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 925839 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 UPB | (No Data) | Yes | Yes | 1 | 6.3740 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1345.92 | 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 | 2200.00 | No | (No Data) | 1.6345 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926109 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -2030.22 | 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 Data) | No | (No Data) | (No Data) | Yes | 2600.00 | No | (No Data) | 1.2806 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 925843 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | Yes | Yes | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.5780 | Yes | Yes | 3.42 | 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 | 40.74 | 44.59 | 40.74 | 40.74 | 40.74 | 40.74 | No | No | (No Data) | 4803.12 | 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 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) |
| XXXXXX | 928012 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -1580.08 | 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 | 1450.00 | No | (No Data) | 0.9176 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 925845 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.2162 | Yes | Yes | 1.953 | 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 | 18.85 | 18.85 | 18.85 | 18.85 | 18.85 | 18.85 | No | No | (No Data) | 14527.53 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| XXXXXX | 925846 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.2172 | No | No | 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 | 48.8 | 48.91 | 48.8 | 48.91 | 48.91 | 48.91 | No | No | (No Data) | 6621.94 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| XXXXXX | 925848 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | Yes | No | 1 | 6.9086 | Yes | Yes | 3.058 | 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 | 24.23 | 26.5 | 31.93 | 23.65 | 23.65 | 23.65 | Yes | Yes | Yes | 7863.75 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 925849 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.4619 | No | Yes | 2.611 | 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 | 40.61 | 51.42 | 40.61 | 51.42 | 51.42 | 51.42 | No | No | (No Data) | 5170.32 | 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) |
| XXXXXX | 925852 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.3739 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1695.86 | 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 | 4900.00 | No | (No Data) | 2.8893 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 925854 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.8711 | Yes | No | 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 | 46.89 | 46.37 | 46.89 | 41.79 | 41.79 | 43.96 | No | No | (No Data) | 10705.66 | 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 | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 204 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 925855 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.4473 | Yes | Yes | 0.922 | 0.922 | (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 | 26.59 | 24.59 | 26.59 | 24.59 | 24.59 | 24.59 | Yes | Yes | Yes | 13423.86 | 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) |
| XXXXXX | 925857 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.6250 | 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) | -1341.11 | 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 | 1400.00 | No | (No Data) | 1.0439 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 925858 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.1250 | 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) | -2389.8 | 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 | 1800.00 | No | (No Data) | 0.7532 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 925860 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -2956.32 | 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) | Yes | 3600.00 | No | (No Data) | 1.2177 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 925862 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -8218.48 | 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 Data) | No | (No Data) | (No Data) | Yes | 3700.00 | No | (No Data) | 0.8524 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 925863 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -1533.29 | 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) | Yes | 2000.00 | No | (No Data) | 1.3043 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926112 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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 | 48.08 | 0 | 48.08 | 48.08 | 48.08 | (No Data) | (No Data) | (No Data) | 8585.05 | 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 | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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> Lease Agreement - 12 months;<br> Paystub - 2 months;<br> Verbal VOE with Income - 12 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 925867 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.3749 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3804.76 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 0.8114 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 925870 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -2662.57 | 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) | Yes | 2300.00 | No | (No Data) | 0.8638 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 925872 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -1328.98 | 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 Data) | No | (No Data) | (No Data) | Yes | 1900.00 | No | (No Data) | 1.4296 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926096 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.1728 | No | No | 1.684 | 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 | 49.62 | 48.81 | 49.62 | 48.81 | 48.81 | 48.81 | No | No | (No Data) | 8254.53 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No 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) |
| XXXXXX | 925875 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.2390 | Yes | Yes | 3.139 | 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 | 21.85 | 21.85 | 21.85 | 21.85 | 21.85 | 21.85 | No | No | (No Data) | 7681.24 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| XXXXXX | 925877 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.1398 | Yes | Yes | 2.514 | 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 | 40.25 | 41.31 | 40.25 | 41.31 | 41.31 | 41.31 | No | No | (No Data) | 15889.93 | 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) |
| XXXXXX | 926019 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.4183 | Yes | Yes | 2.986 | 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 | 42.03 | 42.03 | 42.03 | 42.03 | 42.03 | 42.03 | No | No | (No Data) | 27375.07 | 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) |
| XXXXXX | 925880 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) |
| XXXXXX | 925883 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.1200 | Yes | Yes | 2.134 | 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 | 15.54 | 15.17 | 15.54 | 15.17 | 15.17 | 15.17 | No | No | (No Data) | 31935.5 | 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) | 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) |
| XXXXXX | 926114 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -6255.22 | 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) | Yes | 14000.00 | No | (No Data) | 2.2381 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926115 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.1251 | 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) | -1386.93 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1400.00 | No | (No Data) | 1.0094 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 925885 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.2500 | 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) | -1916.59 | 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) | Yes | 2500.00 | No | (No Data) | 1.3044 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926053 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.4564 | Yes | Yes | 1.773 | 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 | 41.04 | 41.04 | 41.04 | 41.04 | 41.04 | 41.04 | No | No | (No Data) | 7899.65 | 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) | 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) |
| XXXXXX | 927725 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | No | 1 | 7.5130 | Yes | Yes | 1.589 | 1.589 | (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 | 13.87 | 13.54 | 13.87 | 12.67 | 12.67 | 12.67 | Yes | Yes | Yes | 198216.58 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| XXXXXX | 925889 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -1764.04 | 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) | Yes | 1625.00 | No | (No Data) | 0.9211 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 925890 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.0600 | No | Yes | 1.783 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -4824.96 | 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 | 6 | Yes | 6 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 6 months; | Personal Bank Statements - 6 months; | (No Data) | (No Data) |
| XXXXXX | 927882 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 9.4605 | Yes | Yes | 3.587 | 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 | 24.48 | 22.53 | 24.48 | 22.53 | 22.53 | 22.53 | Yes | Yes | Yes | 12695.28 | 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) | 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) |
| XXXXXX | 926054 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.2522 | No | No | 3.728 | 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 | 47.7 | 47.7 | 47.7 | 47.7 | 47.7 | 47.7 | No | No | (No Data) | 2104.18 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| XXXXXX | 925899 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -2231.94 | 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 | 2550.00 | No | (No Data) | 1.1425 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 925900 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 mos interest on amt prepd | (No Data) | No | Yes | 1 | 6.8749 | No | No | 2.865 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2581.78 | 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 | 3900.00 | No | (No Data) | 1.5105 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926116 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.7491 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9455.01 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | 1.4492 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926056 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | No | No | 1 | 6.3826 | Yes | Yes | 1.347 | 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 | 23.27 | 23.27 | 23.27 | 23.27 | 23.27 | 23.27 | Yes | Yes | Yes | 17651.14 | 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) |
| XXXXXX | 925905 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.6103 | Yes | No | 3.355 | 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 | 46.65 | 41.94 | 46.65 | 41.94 | 41.94 | 41.94 | No | No | (No Data) | 4944.41 | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (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) |
| XXXXXX | 925907 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.2489 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -932.09 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1000.00 | No | (No Data) | 1.0728 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 925909 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -845.11 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 950.00 | No | (No Data) | 1.1240 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926117 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -927.14 | 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 | 1425.00 | No | (No Data) | 1.5369 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 925911 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.2385 | 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 | 37.98 | 33.57 | 37.98 | 33.57 | 33.57 | 33.57 | Yes | Yes | Yes | 9421.47 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | 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> Lease Agreement - 12 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 925913 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | Yes | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8640 | Yes | No | 1.367 | 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 | 45.08 | 45.08 | 45.08 | 41.36 | 41.36 | 43.12 | No | No | (No Data) | 16704.12 | 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 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) |
| XXXXXX | 926120 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -1978.21 | 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) | Yes | 2000.00 | No | (No Data) | 1.0110 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 928014 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -2153.63 | 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 | 2650.00 | No | (No Data) | 1.2304 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 925922 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -1218.26 | 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 | 1400.00 | No | (No Data) | 1.1491 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926121 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -2751.38 | 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) | Yes | 2495.00 | No | (No Data) | 0.9068 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 925932 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -3311.83 | 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 | 4500.00 | No | (No Data) | 1.3587 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 925934 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.7235 | Yes | Yes | 2.165 | 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 | 21.48 | 21.48 | 21.48 | 21.48 | 21.48 | 21.48 | No | No | (No Data) | 108927.68 | 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) | 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) |
| XXXXXX | 926045 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | Yes | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4048 | Yes | Yes | 1.982 | 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 | 35.55 | 38 | 34.4 | 34.4 | 34.4 | No | No | (No Data) | 45812.5 | 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) | 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) |
| XXXXXX | 926123 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -3637.04 | 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) | Yes | 4000.00 | No | (No Data) | 1.0997 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 925937 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.7671 | Yes | Yes | 3.537 | 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 | 16.86 | 16.96 | 16.86 | 16.96 | 16.96 | 16.96 | No | No | (No Data) | 13720.63 | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (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) |
| XXXXXX | 925942 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -6441.54 | 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 | 7600.00 | No | (No Data) | 1.1798 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933440 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.3750 | 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) | -2420.83 | 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) | Yes | 3300.00 | No | (No Data) | 1.3631 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 928015 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.6250 | 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 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2150.09 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.1627 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 925945 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.2285 | Yes | No | 1.12 | 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 | 45.19 | 42.57 | 45.19 | 42.57 | 42.57 | 42.57 | Yes | Yes | Yes | 11360.47 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No 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) | Yes | 12 | 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) | CPA Letter without Income - 12 months;<br> Personal Bank Statements - 12 months; | Business Bank Statements - 12 months;<br> CPA Letter without Income - 12 months; | (No Data) | (No Data) |
| XXXXXX | 926223 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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 | 9.32 | 0 | 9.32 | 9.32 | 9.32 | (No Data) | (No Data) | (No Data) | 156336.67 | 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 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) |
| XXXXXX | 925951 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.6251 | 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) | -2307.44 | 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) | Yes | 2600.00 | No | (No Data) | 1.1267 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 925952 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | Yes | 1 | 6.9812 | No | No | 2.297 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.29 | 43.29 | 43.29 | 43.29 | 43.29 | 43.29 | No | No | (No Data) | 9442.88 | 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) | 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) |
| XXXXXX | 925953 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.5000 | 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) | -5117.85 | 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 | 4400.00 | No | (No Data) | 0.8597 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 925954 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.8862 | Yes | Yes | 3.36 | 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 | 2.63 | 2.63 | 2.63 | 2.63 | 2.63 | 2.63 | No | No | (No Data) | 151386.06 | 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) |
| XXXXXX | 926125 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -15450.3 | 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 | 5600.00 | No | (No Data) | 1.0988 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933441 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -2505.69 | 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 | 2575.00 | No | (No Data) | 1.0276 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 925958 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -1281.87 | 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 | 1900.00 | No | (No Data) | 1.4822 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933442 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.2500 | 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) | -4102.84 | No | (No Data) | Not Applicable | (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 | 5300.00 | No | (No Data) | 1.2917 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 925965 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Mid Rise Condo (5-8) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8191 | Yes | Yes | 2.27 | 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 | 13.69 | 13.81 | 13.69 | 13.81 | 13.81 | 13.81 | No | No | (No Data) | 86557.38 | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (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) |
| XXXXXX | 925966 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7921 | Yes | Yes | 0.715 | 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 | 41.56 | 41.56 | 41.56 | 41.56 | 41.56 | 41.56 | No | No | (No Data) | 19792.58 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| XXXXXX | 925967 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.0815 | Yes | No | 2.281 | 2.281 | (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 | 45.89 | 46.05 | 45.89 | 42.06 | 42.06 | 42.06 | No | No | (No Data) | 6774.71 | 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 | 5 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 29 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No 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 - 5 months;<br> W2 - 24 months;<br> Written VOE - 29 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 926017 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.8683 | Yes | Yes | 2.299 | 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 | 22.17 | 21.43 | 22.17 | 21.43 | 21.43 | 21.43 | No | No | (No Data) | 45436.17 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (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) | 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 - 24 months;<br> CPA Letter without Income - 24 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 925969 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -4594.28 | 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 | 3600.00 | No | (No Data) | 0.7835 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 925970 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.6115 | Yes | Yes | 1.099 | 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 | 39.38 | 37.34 | 39.38 | 37.34 | 37.34 | 37.34 | No | No | (No Data) | 29607.54 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No 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) |
| XXXXXX | 925971 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 5.9471 | Yes | Yes | 2.072 | 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 | 21.04 | 21.04 | 21.04 | 21.04 | 21.04 | 21.04 | No | No | (No Data) | 22019.85 | 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) | 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) |
| XXXXXX | 926042 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.5750 | Yes | Yes | 1.274 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.95 | 42.95 | 42.95 | 39.38 | 39.38 | 39.38 | Yes | Yes | Yes | 13385.32 | 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 | 29 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No 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> Written VOE - 29 months; | (No Data) | (No Data) |
| XXXXXX | 926131 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -3847.97 | 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 | 3300.00 | No | (No Data) | 0.8575 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926020 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.9126 | Yes | Yes | 4.928 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.24 | 37.24 | 37.24 | 37.24 | 37.24 | 37.24 | No | No | (No Data) | 8047.01 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| XXXXXX | 927883 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.2514 | Yes | Yes | 3.367 | 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 | 39.12 | 39.12 | 39.12 | 39.12 | 39.12 | 39.12 | Yes | Yes | Yes | 14084.55 | 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) |
| XXXXXX | 926018 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.1811 | Yes | Yes | 1.133 | 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 | 17.83 | 16.55 | 17.83 | 16.55 | 16.55 | 16.55 | No | No | (No Data) | 43650.76 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| XXXXXX | 926048 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.1066 | 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 | 31.97 | 31.78 | 31.97 | 31.78 | 31.78 | 31.78 | Yes | Yes | Yes | 17282.01 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 5 | 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 | 5 | 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 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 - 5 months;<br> Verbal VOE with Income - 5 months;<br> W2 - 12 months;<br> Written VOE - 36 months; | (No Data) | (No Data) |
| XXXXXX | 926136 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.6249 | 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) | -4189.85 | 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 | 7000.00 | No | (No Data) | 1.6707 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926137 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -1357.53 | 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) | 1.3259 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926237 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.4999 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3947.73 | 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) | Yes | 2500.00 | No | (No Data) | 0.9961 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926146 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -3052.49 | 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 | 4300.00 | No | (No Data) | 1.4086 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 928016 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -3533.89 | 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 | 3100.00 | No | (No Data) | 1.2157 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926148 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.5001 | 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) | -2731.54 | 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) | 1.0250 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 925989 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 42.24 | 0 | 42.24 | 42.24 | 42.24 | (No Data) | (No Data) | (No Data) | 7992.04 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No 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) |
| XXXXXX | 926149 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.8749 | 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) | -2198.2 | 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 | 2200.00 | No | (No Data) | 1.0008 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 925991 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.2469 | Yes | Yes | 2.418 | 2.418 | (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 | 23.27 | 21.9 | 23.27 | 21.9 | 21.9 | 21.9 | Yes | Yes | Yes | 20937.34 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| XXXXXX | 926063 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.9861 | Yes | Yes | 2.17 | 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 | 32.18 | 32.18 | 32.18 | 32.18 | 32.18 | 32.18 | Yes | Yes | Yes | 31123.14 | 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) |
| XXXXXX | 926023 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.3943 | Yes | Yes | 2.644 | 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 | 31.19 | 31.19 | 31.19 | 31.19 | 31.19 | 31.19 | No | No | (No Data) | 8601.57 | 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 | 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> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 926151 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.3749 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1544.3 | 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 | 3845.00 | No | (No Data) | 2.4898 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926154 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.5000 | 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) | -2309.75 | 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 | 2750.00 | No | (No Data) | 1.1906 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927897 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | 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) | -2041.51 | 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) | 1.1266 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926066 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | Yes | 1 | 7.2192 | No | No | 1.855 | 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 | 46.79 | 46.88 | 46.79 | 46.88 | 46.88 | 46.88 | No | No | (No Data) | 4830.03 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No 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) |
| XXXXXX | 927898 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.8750 | 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) | -1819.91 | 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 | 1675.00 | No | (No Data) | 0.9203 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926025 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.1760 | Yes | Yes | 2.907 | 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 | 40.45 | 40.45 | 40.45 | 40.45 | 40.45 | 40.45 | No | No | (No Data) | 2911.38 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 2 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 925997 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.6787 | Yes | Yes | 1.714 | 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 | 10.37 | 10.37 | 10.37 | 10.37 | 10.37 | 10.37 | No | No | (No Data) | 78663.17 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No 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) |
| XXXXXX | 926156 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.5000 | 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) | -2180.23 | 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) | Yes | 3950.00 | No | (No Data) | 1.8117 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926026 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.9645 | Yes | Yes | 2.093 | 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 | 9.65 | 9.65 | 9.65 | 9.65 | 9.65 | 9.65 | No | No | (No Data) | 64964.93 | 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) | Yes | 12 | No | (No Data) | No | (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;<br> CPA Letter without Income - 12 months; | (No Data) | (No Data) |
| XXXXXX | 925998 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | No | 1 | 8.9697 | Yes | Yes | 2.191 | 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 | 28.03 | 28.03 | 28.03 | 26.57 | 26.57 | 26.57 | Yes | Yes | Yes | 32900.76 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 926157 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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 | 22.25 | 0 | 22.25 | 22.25 | 22.25 | (No Data) | (No Data) | (No Data) | 49216.36 | 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) | 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) |
| XXXXXX | 926067 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.9435 | Yes | Yes | 4.491 | 4.491 | (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 | 29.88 | 29.79 | 29.88 | 29.79 | 29.79 | 29.79 | Yes | Yes | Yes | 7166.71 | 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) |
| XXXXXX | 926159 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.8749 | 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) | -4951.31 | 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 | 3800.00 | No | (No Data) | 0.7674 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927734 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7093 | Yes | Yes | 1.983 | 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 | 28.54 | 28.54 | 28.54 | 28.54 | 28.53 | 28.54 | No | No | (No Data) | 11471.51 | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926091 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.4336 | No | No | 1.648 | 1.648 | (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 | 49.14 | 49.23 | 49.14 | 49.23 | 49.23 | 49.23 | Yes | Yes | Yes | 6647.39 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5 | Yes | 5 | 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) | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 5 months;<br> W2 - 24 months; | Paystub - 5 months;<br> Written VOE - 14 months; | (No Data) | (No Data) |
| XXXXXX | 927899 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -4342.18 | 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) | Yes | 2500.00 | No | (No Data) | 0.7520 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926050 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | Yes | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1107 | Yes | Yes | 1.281 | 0.281 | (No Data) | (No Data) | No | No | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 16.13 | 15.04 | 16.13 | 15.04 | 15.04 | 15.04 | Yes | Yes | Yes | 95963.73 | 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) | 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) |
| XXXXXX | 926001 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -3084.31 | 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 | 1700.00 | No | (No Data) | 1.2280 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926002 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -1364.35 | 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 | 1500.00 | No | (No Data) | 1.0994 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926027 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | Yes | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8804 | 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 | 41.62 | 42.03 | 41.62 | 37.45 | 37.45 | 39.62 | No | No | (No Data) | 21184.37 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| XXXXXX | 926003 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | Rate and Term 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) | -2631.59 | 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 | 3000.00 | No | (No Data) | 1.1399 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926161 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.3750 | 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) | -987.1 | 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 | 1800.00 | No | (No Data) | 1.8235 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926028 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.8675 | Yes | Yes | 2.468 | 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 | 13.67 | 13.56 | 13.67 | 13.56 | 13.56 | 13.56 | No | No | (No Data) | 22532.86 | 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) | 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) |
| XXXXXX | 926163 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -2293.21 | 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 | 1950.00 | No | (No Data) | 0.8503 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926090 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | 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 | 7.0051 | Yes | Yes | 2.416 | 2.416 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 27.11 | 24.68 | 27.11 | 24.68 | 24.68 | 24.68 | Yes | Yes | Yes | 17547.24 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No 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) |
| XXXXXX | 927723 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.6972 | Yes | Yes | 1.379 | 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 | 36.16 | 36.16 | 36.16 | 36.16 | 36.16 | 36.16 | Yes | Yes | Yes | 8623.23 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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; | Business Bank Statements - 12 months;<br> CPA Letter without Income - 12 months; | (No Data) | (No Data) |
| XXXXXX | 926165 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.8751 | 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) | -3909.19 | 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 | 2800.00 | No | (No Data) | 0.7162 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926166 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -2144.65 | 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 | 2000.00 | No | (No Data) | 0.9325 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927873 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.1251 | 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) | -2682.59 | 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 Data) | No | (No Data) | (No Data) | Yes | 3200.00 | No | (No Data) | 1.1928 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926169 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.0000 | 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) | -9027.81 | 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 | 3300.00 | No | (No Data) | 0.6777 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 926049 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.6270 | Yes | Yes | 3.69 | 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 | 17.41 | 19.02 | 17.41 | 19.02 | 19.02 | 19.02 | No | No | (No Data) | 21810.57 | 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) |
| XXXXXX | 926029 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | Yes | No | 1 | 7.5880 | Yes | Yes | 3.083 | 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 | 38.94 | 38.94 | 38.94 | 38.94 | 38.94 | 38.94 | No | No | (No Data) | 5709.73 | 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) | 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) |
| XXXXXX | 926172 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -3873.1 | 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 | 4200.00 | No | (No Data) | 1.0844 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926173 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.5000 | 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) | -3634.14 | 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 | 3650.00 | No | (No Data) | 1.0043 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926174 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.7500 | 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) | -3833.14 | 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 | 3650.00 | No | (No Data) | 0.9522 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926175 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.1251 | 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) | -3527.83 | 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 | 6800.00 | No | (No Data) | 1.9275 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926177 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.7500 | 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) | -2906.36 | 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 | 2950.00 | 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) |
| XXXXXX | 926178 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.3750 | 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) | -1884.59 | 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 | 2300.00 | No | (No Data) | 1.2204 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926033 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.6053 | Yes | Yes | 2.796 | 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 | 41.8 | 41.8 | 41.8 | 41.8 | 41.8 | 41.8 | No | No | (No Data) | 5175.97 | 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) | 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) |
| XXXXXX | 926182 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -1883.71 | 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) | Yes | 1945.00 | No | (No Data) | 1.0325 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926032 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | 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 | No | 1 | 6.9039 | Yes | Yes | 3.946 | 3.946 | (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 | 15.62 | 13.78 | 15.62 | 13.78 | 13.78 | 13.78 | Yes | Yes | Yes | 40165.2 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| XXXXXX | 926186 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.0000 | 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 | 31.8 | 0 | 31.8 | 31.8 | 31.8 | (No Data) | (No Data) | (No Data) | 28459.74 | 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) | 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) |
| XXXXXX | 926224 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -5639.13 | 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) | Yes | 4800.00 | No | (No Data) | 1.1315 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926188 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 46.53 | 0 | 46.53 | 46.53 | 46.53 | (No Data) | (No Data) | (No Data) | 18537.19 | 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) | 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) |
| XXXXXX | 926078 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | Yes | Yes | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.2635 | Yes | Yes | 4.666 | 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 | 39.64 | 42.82 | 39.64 | 38.93 | 38.93 | 40.76 | Yes | Yes | Yes | 3289.19 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 926079 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.7841 | Yes | Yes | 3.874 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 33.92 | 34.21 | 33.91 | 34.21 | 34.21 | 34.21 | No | No | (No Data) | 7855.85 | 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) | 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) |
| XXXXXX | 926192 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 2 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) | -1893.57 | 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) | Yes | 1885.00 | No | (No Data) | 0.9954 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926194 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.2500 | 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) | -4129.51 | 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 | 6000.00 | No | (No Data) | 1.4529 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926034 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.8953 | Yes | Yes | 2.591 | 2.591 | (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 | 41.79 | 42.14 | 41.79 | 42.14 | 42.14 | 42.14 | Yes | Yes | Yes | 4146.14 | 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) |
| XXXXXX | 926198 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -2343.28 | 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 | 2800.00 | 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) |
| XXXXXX | 927902 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.1251 | 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) | -7050.41 | 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 | 6000.00 | No | (No Data) | 0.8510 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927904 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -3674.76 | 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 | 2900.00 | No | (No Data) | 0.7891 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926199 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -2789.53 | 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 | 3600.00 | No | (No Data) | 1.2905 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927797 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.4999 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -25905.09 | 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 Data) | No | (No Data) | (No Data) | Yes | 7500.00 | No | (No Data) | 0.7517 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927798 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.2500 | 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 | 41.83 | 0 | 41.83 | 41.83 | 41.83 | (No Data) | (No Data) | (No Data) | 33917.79 | 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 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) |
| XXXXXX | 927903 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.2489 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2041.92 | 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 Data) | No | (No Data) | (No Data) | Yes | 1700.00 | No | (No Data) | 0.8325 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926200 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.6251 | 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) | -2989.86 | 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 | 1620.00 | No | (No Data) | 1.0241 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926201 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.5001 | 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) | -12599.76 | 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 | 12600.00 | 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) |
| XXXXXX | 927868 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -3052.25 | 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 | 3750.00 | No | (No Data) | 1.2286 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927801 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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 | 41.21 | 0 | 41.21 | 41.21 | 41.21 | (No Data) | (No Data) | (No Data) | 8464.59 | 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) | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | CPA Letter without Income - 12 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) |
| XXXXXX | 926081 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.3359 | No | No | 2.711 | 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 | 44.38 | 44.37 | 44.38 | 44.37 | 44.37 | 44.37 | No | No | (No Data) | 2966.95 | 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) | 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) |
| XXXXXX | 927781 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.1776 | No | No | 2.815 | 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 | 49.74 | 49.74 | 49.74 | 49.74 | 49.74 | 49.74 | No | No | (No Data) | 3073.34 | 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) | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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;<br> Written VOE - 1 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 928020 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.6240 | 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) | -920.95 | 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) | 1.1944 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926204 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.5000 | 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) | -1980.83 | 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 | 1900.00 | No | (No Data) | 0.9591 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927709 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.9949 | Yes | Yes | 1.103 | 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 | 41.21 | 38.51 | 41.21 | 41.21 | 41.21 | Yes | Yes | Yes | 37445.63 | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (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) |
| XXXXXX | 926082 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 9.2498 | Yes | Yes | 2.756 | 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 | 36.83 | 36.83 | 36.83 | 36.83 | 36.83 | 36.83 | No | No | (No Data) | 12469.42 | 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) |
| XXXXXX | 926037 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.7814 | Yes | Yes | 1.636 | 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 | 26.06 | 26.06 | 26.06 | 23.78 | 23.78 | 24.88 | No | No | (No Data) | 42897.64 | 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) |
| XXXXXX | 927806 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | (No Data) | No | Yes | 1 | 7.3750 | No | No | 0.82 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1427.36 | 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 | 2400.00 | No | (No Data) | 1.6814 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926038 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.9477 | Yes | Yes | 1.899 | 1.899 | (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 | 38.83 | 37.59 | 38.83 | 37.59 | 37.59 | 37.59 | Yes | Yes | Yes | 10017.11 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No 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) |
| XXXXXX | 927808 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.6250 | 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) | -5117.63 | 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 | 6000.00 | No | (No Data) | 1.1724 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927743 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2692 | No | No | 2.613 | 2.613 | (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 | 47.94 | 47.69 | 47.94 | 47.69 | 47.69 | 47.69 | Yes | Yes | Yes | 9527.95 | 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) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 12 months;<br> Personal Bank Statements - 12 months; | Personal Bank Statements - 12 months; | (No Data) | (No Data) |
| XXXXXX | 927905 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -3160.25 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2900.00 | No | (No Data) | 0.9176 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927809 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -2230.36 | 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 | 2250.00 | No | (No Data) | 1.0088 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926211 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -2685.77 | 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 | 2650.00 | No | (No Data) | 0.9866 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926043 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | Yes | No | 1 | 7.8729 | Yes | Yes | 3.196 | 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 | 30.23 | 32.62 | 30.23 | 32.62 | 32.62 | 32.62 | No | No | (No Data) | 13239.8 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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; | Paystub - 2 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| XXXXXX | 927865 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 9.7500 | 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 | 49.06 | 0 | 49.06 | 49.06 | 49.35 | (No Data) | (No Data) | (No Data) | 33474.54 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No 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) |
| XXXXXX | 927810 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -1331.62 | 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 | 1600.00 | No | (No Data) | 1.2015 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927811 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -1781.94 | 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 Data) | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 1.0101 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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; |
| XXXXXX | 926083 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.9479 | Yes | Yes | 4.958 | 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 | 38.62 | 38.62 | 38.62 | 38.62 | 38.62 | 38.62 | Yes | Yes | Yes | 5811.73 | 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) |
| XXXXXX | 927815 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Mid Rise Condo (5-8) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (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) | -1619.33 | 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 | 1950.00 | No | (No Data) | 1.2042 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927816 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.0000 | 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) | -2620.93 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2700.00 | 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; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 927907 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.6250 | 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) | -1911.41 | 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 | 3800.00 | No | (No Data) | 1.9880 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926085 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Mid Rise Condo (5-8) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.0753 | Yes | Yes | 3.233 | 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 | 19.48 | 19.48 | 19.48 | 19.48 | 19.48 | 19.48 | No | No | (No Data) | 9262.82 | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (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) |
| XXXXXX | 926046 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.9499 | Yes | Yes | 1.883 | 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 | 41.33 | 41.33 | 41.33 | 41.33 | 41.33 | 41.33 | No | No | (No Data) | 19627.96 | 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) |
| XXXXXX | 926229 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -5083.78 | 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 | 2100.00 | No | (No Data) | 0.8454 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926095 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.4298 | Yes | Yes | 2.96 | 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 | 38.08 | 38.08 | 38.08 | 38.08 | 38.08 | 38.08 | No | No | (No Data) | 18017.4 | 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) | 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) |
| XXXXXX | 927750 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | Yes | No | 1 | 8.9436 | Yes | Yes | 6.316 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 27.41 | 27.41 | 27.41 | 27.41 | 27.41 | 27.41 | Yes | Yes | Yes | 6855.37 | 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 | 12 | No | (No Data) | No | (No Data) | No | (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) |
| XXXXXX | 927908 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -5030.07 | 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 | 5300.00 | 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) |
| XXXXXX | 927711 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.8806 | Yes | Yes | 2.833 | 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 | 7.43 | 7.31 | 7.43 | 6.73 | 6.73 | 6.98 | No | No | (No Data) | 71849.4 | 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) |
| XXXXXX | 926222 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -1622.61 | 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 | 1800.00 | No | (No Data) | 1.1093 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 926221 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -3430.39 | 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 | 4000.00 | 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; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 927874 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.5611 | Yes | Yes | 4.21 | 4.210 | (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 | 35.86 | 33 | 35.86 | 35.86 | 35.86 | Yes | Yes | Yes | 6378.77 | 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) | 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) |
| XXXXXX | 927822 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -2324.64 | 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) | 0.9033 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927866 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.8740 | 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) | -1138.35 | 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) | Yes | 1155.00 | No | (No Data) | 1.0146 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| XXXXXX | 927824 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -12193.97 | 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) | 1.1054 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927776 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.8300 | No | No | 2.922 | 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 | 49.16 | 46.58 | 49.16 | 46.58 | 46.58 | 46.58 | No | No | (No Data) | 5664.25 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (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) | Yes | 1 | 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 - 2 months;<br> Verbal VOE with Income - 1 months;<br> Written VOE - 1 months; | (No Data) | (No Data) |
| XXXXXX | 927911 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -4037.82 | 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 | 5000.00 | No | (No Data) | 1.2383 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927827 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -1289.49 | 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 | 1450.00 | No | (No Data) | 1.1245 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927912 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.2490 | 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) | -3971.44 | 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) | Yes | 4400.00 | No | (No Data) | 1.1079 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927772 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | Yes | 1 | 8.5703 | No | No | 2.563 | 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 | 50.03 | 50.02 | 50.03 | 50.02 | 50.02 | 50.02 | No | No | (No Data) | 22103.39 | 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 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927872 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.5001 | 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 | 42.13 | 0 | 42.13 | 42.13 | 43.42 | (No Data) | (No Data) | (No Data) | 10178.95 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 - 1 months;<br> W2 - 24 months; | Business Bank Statements - 12 months; | (No Data) | (No Data) |
| XXXXXX | 927832 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Mid Rise Condo (5-8) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | 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 | 36.8 | 0 | 36.8 | 36.8 | 36.8 | (No Data) | (No Data) | (No Data) | 31135.63 | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (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) |
| XXXXXX | 927833 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -2303.48 | 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 | 2425.00 | No | (No Data) | 1.0528 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927712 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | Yes | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7524 | Yes | Yes | 1.167 | 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 | 9.46 | 9.47 | 9.46 | 8.98 | 8.98 | 8.98 | No | No | (No Data) | 222520.32 | 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) |
| XXXXXX | 927778 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.0002 | Yes | Yes | 1.511 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.03 | 39.03 | 39.03 | 39.03 | 39.03 | 39.03 | No | No | (No Data) | 17426.57 | 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) |
| XXXXXX | 927837 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -2671.03 | 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 Data) | No | (No Data) | (No Data) | Yes | 2100.00 | No | (No Data) | 1.0847 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927915 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -6749.56 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2150.00 | No | (No Data) | 0.8974 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927779 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.8618 | No | No | 2.467 | 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 | 49.56 | 49.4 | 49.56 | 49.4 | 49.4 | 49.4 | No | No | (No Data) | 8977.33 | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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; | Business Bank Statements - 12 months; | (No Data) | (No Data) |
| XXXXXX | 927840 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -3505.02 | 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 | 2500.00 | No | (No Data) | 1.0869 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933444 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% 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) | -2904.05 | 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) | 1.2052 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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; |
| XXXXXX | 927841 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -3474.06 | 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) | Yes | 3500.00 | No | (No Data) | 1.0074 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 928024 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.1251 | 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) | -2698.76 | 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) | 1.0375 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927761 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.1967 | Yes | Yes | 1.203 | 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 | 31.58 | 31.58 | 31.58 | 31.58 | 31.58 | 31.58 | No | No | (No Data) | 7376.55 | 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) |
| XXXXXX | 927846 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) |
| XXXXXX | 928025 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Mid Rise Condo (5-8) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (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) | -2777.56 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 0.7920 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933663 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | Yes | Yes | 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) | -3547.53 | 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 | 3550.00 | No | (No Data) | 1.0007 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927783 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.2421 | No | No | 3.487 | 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 | 48.73 | 48.73 | 48.73 | 48.73 | 48.73 | 48.73 | No | No | (No Data) | 9415.76 | 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) | Yes | 1 | 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 Data) | CPA Letter without Income - 1 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) |
| XXXXXX | 927848 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | Rate and Term 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 | 31 | 0 | 31 | 31 | 31 | (No Data) | (No Data) | (No Data) | 27688.78 | 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) |
| XXXXXX | 927919 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.3750 | 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) | -1735.77 | 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 | 1800.00 | No | (No Data) | 1.0374 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927849 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -1786.5 | 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 | 2239.00 | No | (No Data) | 2.0400 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927766 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.0868 | Yes | Yes | 3.066 | 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 | 32.55 | 32.55 | 32.55 | 32.55 | 32.55 | 32.55 | No | No | (No Data) | 7646.76 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| XXXXXX | 927852 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.8740 | 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) | -2260.65 | 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 | 2400.00 | 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) |
| XXXXXX | 928029 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.7501 | 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 | 36.93 | 0 | 36.93 | 36.93 | 36.93 | (No Data) | (No Data) | (No Data) | 24059.16 | 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) | 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) | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) |
| XXXXXX | 927854 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -4590.28 | 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 | 1250.00 | No | (No Data) | 1.0336 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927957 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.3209 | No | No | 4.198 | 4.198 | (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 | 44.5 | 44.92 | 44.92 | 44.92 | 44.92 | 44.92 | No | No | (No Data) | 11175.46 | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (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) |
| XXXXXX | 927856 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.6250 | 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) | -936.88 | 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 | 1125.00 | No | (No Data) | 1.2007 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927857 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.9991 | 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 | 23.1 | 0 | 23.1 | 23.1 | 23.1 | (No Data) | (No Data) | (No Data) | 30236.64 | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 928031 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -2054.47 | 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 | 2275.00 | No | (No Data) | 1.1073 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927859 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -2605.71 | 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 | 2600.00 | No | (No Data) | 0.9978 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 928005 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.9318 | Yes | Yes | 2.139 | 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 | 30.04 | 30.03 | 30.04 | 30.03 | 30.03 | 30.03 | No | No | (No Data) | 11282.1 | 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 | 8 | Yes | 32 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 - 8 months; | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 32 months; | (No Data) | (No Data) |
| XXXXXX | 928030 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.5000 | 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) | -2235.9 | 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) | Yes | 2800.00 | No | (No Data) | 1.2522 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927893 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 9.1513 | Yes | Yes | 3.282 | 3.282 | (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 | 38.36 | 39.65 | 38.36 | 39.65 | 39.65 | 39.65 | Yes | Yes | Yes | 6253.72 | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 933605 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 9.3750 | 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 | 34.79 | 0 | 34.79 | 34.79 | 34.79 | (No Data) | (No Data) | (No Data) | 17891.1 | 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) |
| XXXXXX | 928032 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 1% of OPB | (No Data) | No | Yes | 1 | 7.5001 | No | No | 1 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1278.76 | 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 | 1280.00 | No | (No Data) | 1.0009 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927756 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 9.0241 | No | No | 2.284 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.76 | 48.58 | 48.76 | 48.58 | 48.58 | 48.58 | No | No | (No Data) | 12068.24 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| XXXXXX | 933446 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.1250 | 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) | -2190.92 | 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 | 1850.00 | No | (No Data) | 0.8443 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927959 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | Yes | 1 | 7.5629 | No | No | 2.904 | 2.904 | (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 | 45.02 | 44.75 | 44.59 | 44.75 | 44.75 | 44.75 | No | No | (No Data) | 3186.62 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No 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 | 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> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 933447 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.8751 | 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) | -2377.33 | 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 | No | (No Data) | (No Data) | Yes | 2700.00 | No | (No Data) | 1.1357 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927960 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.2319 | Yes | Yes | 3.14 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 16.34 | 16.34 | 16.34 | 16.34 | 16.34 | 16.34 | Yes | Yes | Yes | 27818.83 | 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) |
| XXXXXX | 927927 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.9644 | Yes | Yes | 2.178 | 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 | 42.42 | 42.42 | 42.42 | 42.42 | 42.42 | 42.42 | Yes | Yes | Yes | 23773.88 | 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 | 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) |
| XXXXXX | 928034 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -2118.28 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2700.00 | No | (No Data) | 1.2746 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927920 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -1413.63 | 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 | 2200.00 | No | (No Data) | 1.5562 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927929 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.4190 | Yes | Yes | 2.646 | 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 | 34.51 | 41.34 | 34.51 | 41.34 | 41.34 | 41.34 | No | No | (No Data) | 21877.01 | No | (No Data) | No | (No Data) | No | No | No | (No Data) | No | (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) | Yes | 18 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 - 18 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) |
| XXXXXX | 928035 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -2783.05 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3600.00 | No | (No Data) | 1.2935 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927933 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.1251 | Yes | Yes | 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 | 11.96 | 11.97 | 11.96 | 11.97 | 11.97 | 11.97 | No | No | (No Data) | 43821.79 | 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 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) |
| XXXXXX | 927716 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.4984 | Yes | Yes | 2.235 | 2.235 | (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 | 29.38 | 27.43 | 29.58 | 27.43 | 27.43 | 27.43 | No | No | (No Data) | 30237.44 | 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 | 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 - 1 months;<br> Verbal VOE with Income - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 927718 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.2874 | Yes | Yes | 2.666 | 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 | 35.21 | 35.22 | 35.21 | 35.22 | 35.22 | 35.22 | Yes | Yes | Yes | 6721.79 | 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 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) |
| XXXXXX | 933378 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.0566 | Yes | Yes | 4.031 | 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 | 35.87 | 36.54 | 35.87 | 36.54 | 36.54 | 36.54 | Yes | Yes | Yes | 9797.86 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (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) |
| XXXXXX | 927932 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | Yes | 1 | 7.5964 | No | Yes | 1.714 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -2663.6 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No 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) |
| XXXXXX | 908774 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.0001 | 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) | -3695.54 | 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) | Yes | 2800.00 | No | (No Data) | 0.7576 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933449 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.8750 | 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) | -2454.93 | 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 | 2500.00 | 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) |
| XXXXXX | 928042 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.4990 | 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) | -2171.26 | 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) | Yes | 1850.00 | 0.8520 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| XXXXXX | 927945 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.3826 | Yes | Yes | 2.595 | 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 | 24.86 | 39.65 | 24.86 | 39.65 | 39.65 | 39.65 | Yes | Yes | Yes | 40533.4 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (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) | Yes | 13 | 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) | CPA Letter without Income - 1 months;<br> Personal Bank Statements - 13 months; | CPA Letter without Income - 1 months;<br> Personal Bank Statements - 13 months; | (No Data) | (No Data) |
| XXXXXX | 928043 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.7501 | 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) | -2478.02 | 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) | 0.7465 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933622 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4505.55 | 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 | 6700.00 | No | (No Data) | 1.4871 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 928044 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.1251 | 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) | -1726.44 | 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 | 1900.00 | No | (No Data) | 1.0050 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 928047 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -2817.07 | 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 | 3800.00 | No | (No Data) | 1.3489 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 928049 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.1251 | 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) | -3868.82 | 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 | 5500.00 | No | (No Data) | 1.4216 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 928048 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.1251 | 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) | -1432.96 | 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 | 1685.00 | No | (No Data) | 1.1758 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927770 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 9.2868 | No | No | 1.439 | 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 | 49.92 | 49.99 | 49.92 | 49.99 | 49.99 | 49.99 | No | No | (No Data) | 6883.67 | 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) | Yes | 30 | Yes | 29 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No 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 - 30 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months; | (No Data) | (No Data) |
| XXXXXX | 927931 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.7734 | Yes | Yes | 2.447 | 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 | 7.07 | 7.39 | 7.07 | 7.39 | 7.39 | 7.39 | Yes | Yes | Yes | 82792.28 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (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) |
| XXXXXX | 928095 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.8750 | 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) | -2508.42 | 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 | 3200.00 | No | (No Data) | 1.2757 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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; |
| XXXXXX | 928052 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -1328.14 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1850.00 | No | (No Data) | 1.3929 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927973 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.5620 | No | No | 4.007 | Unavailable | 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 | 48.63 | 48.63 | 48.63 | 48.63 | 48.63 | 48.63 | Yes | Yes | Yes | 3980.66 | 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 | 32 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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 - 32 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 928053 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 2 mos interest on amt prepd in 12 mos >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) | -1711.46 | 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 | 1950.00 | No | (No Data) | 1.1393 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 931355 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.5000 | 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) | -2538.19 | 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) | Yes | 1700.00 | 0.6697 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| XXXXXX | 927975 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.1725 | No | No | 4.195 | 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 | 53.17 | 54.69 | 53.17 | 54.69 | 54.69 | 54.69 | No | No | (No Data) | 2861.69 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| XXXXXX | 928054 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.2490 | 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) | -2070.67 | 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 | 2150.00 | No | (No Data) | 1.0383 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927947 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.1080 | Yes | Yes | 2.186 | 2.186 | (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 | 31.75 | 29.05 | 29.05 | 29.05 | 29.05 | 29.05 | No | No | (No Data) | 28611.91 | 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) | 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 | (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 - 12 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 928056 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% 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) | -2376.99 | 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 | 1900.00 | No | (No Data) | 0.7993 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 928091 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 1% of OPB | (No Data) | No | Yes | 1 | 6.8749 | No | No | 1 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1222.52 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1375.00 | No | (No Data) | 1.1247 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927980 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.8855 | No | No | 2.244 | 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 | 46.35 | 45.78 | 46.35 | 46.35 | 46.35 | Yes | Yes | Yes | 9797.36 | 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) | 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) |
| XXXXXX | 927935 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.4971 | Yes | Yes | 3.178 | 3.178 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 11.61 | 17.21 | 17.21 | 17.21 | 17.21 | 17.21 | No | No | (No Data) | 31917.25 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (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) |
| XXXXXX | 928058 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.1251 | 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) | -2721.24 | 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 | 2700.00 | No | (No Data) | 0.9921 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 928059 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -3274.92 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3300.00 | No | (No Data) | 1.0076 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 928060 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -2986.99 | 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) | Yes | 3202.00 | No | (No Data) | 1.0719 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 928062 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -1162.86 | 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 | 1200.00 | No | (No Data) | 1.0319 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 928066 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.5001 | 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) | -3144.81 | 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 | 2400.00 | No | (No Data) | 0.7631 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933453 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -1200.67 | 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 | 2360.00 | No | (No Data) | 1.9655 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933454 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.9990 | 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) | -1646.78 | 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 | 1710.00 | No | (No Data) | 1.0383 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 928068 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.3750 | 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) | -2526.82 | 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 | 2225.00 | No | (No Data) | 0.8805 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927982 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 9.3043 | Yes | Yes | 2.256 | 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 | 27.75 | 27.75 | 27.75 | 27.75 | 27.75 | 27.75 | Yes | Yes | Yes | 14676.84 | 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) |
| XXXXXX | 927984 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.1723 | Yes | Yes | 1.623 | 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 | 31.33 | 31.33 | 31.33 | 31.33 | 31.33 | 31.33 | No | No | (No Data) | 48305.49 | 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 | 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) |
| XXXXXX | 927936 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.6574 | Yes | Yes | 1.135 | 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 | 32.95 | 33.01 | 32.95 | 33.01 | 33.01 | 33.01 | Yes | Yes | Yes | 13076.62 | 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) | 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) |
| XXXXXX | 704443 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.1251 | 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) | -1005.24 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) | 1.4921 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933381 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.9598 | Yes | Yes | 2.071 | 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 | 32.27 | 25.82 | 32.27 | 25.82 | 25.82 | 25.82 | Yes | Yes | Yes | 29598.49 | 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) | 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) |
| XXXXXX | 928013 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.2187 | No | No | 1.688 | 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 | 46.11 | 46.09 | 46.11 | 46.09 | 46.09 | 46.09 | Yes | Yes | Yes | 9652.93 | 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) |
| XXXXXX | 927937 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.3837 | Yes | Yes | 3.168 | 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 | 31.88 | 32.2 | 31.88 | 32.2 | 32.2 | 32.2 | No | No | (No Data) | 14995.96 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (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) |
| XXXXXX | 933456 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2234.35 | 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 | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.0741 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933424 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | Yes | Yes | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.4393 | No | No | 4.192 | 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 | 49.64 | 47.23 | 49.64 | 47.23 | 47.23 | 47.23 | Yes | Yes | Yes | 9601.74 | 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) | 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 | 14 | 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) | Business Bank Statements - 14 months;<br> CPA Letter without Income - 1 months; | Business Bank Statements - 14 months;<br> CPA Letter without Income - 1 months; | (No Data) | (No Data) |
| XXXXXX | 928073 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -1388.66 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 1.0801 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 928075 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1390.5 | 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 | No | (No Data) | (No Data) | Yes | 1900.00 | No | (No Data) | 1.3664 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 928009 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.2091 | Yes | Yes | 0.923 | 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 | 39.11 | 39.11 | 39.11 | 39.11 | 39.11 | 39.11 | Yes | Yes | Yes | 22215.64 | 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) |
| XXXXXX | 933429 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.5000 | 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 | 43.59 | 0 | 43.59 | 43.59 | 43.59 | (No Data) | (No Data) | (No Data) | 5101.23 | 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 | 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) |
| XXXXXX | 933519 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -3524.99 | 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 | No | (No Data) | (No Data) | Yes | 4650.00 | No | (No Data) | 1.3191 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933609 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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 | 23.21 | 0 | 23.21 | 23.21 | 23.21 | (No Data) | (No Data) | (No Data) | 23507.49 | 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) | 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) |
| XXXXXX | 933435 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.8750 | 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 | 34.67 | 0 | 34.67 | 34.67 | 34.67 | (No Data) | (No Data) | (No Data) | 7526.42 | 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 | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 - 36 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 928078 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -2666.3 | 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 | 2500.00 | No | (No Data) | 0.9376 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933460 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -1212.21 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1400.00 | No | (No Data) | 1.1549 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933434 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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 | 35.29 | 0 | 35.29 | 35.29 | 35.29 | (No Data) | (No Data) | (No Data) | 7811.61 | 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 | 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) |
| XXXXXX | 933461 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.8751 | 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) | -2117.28 | 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 | 2825.00 | No | (No Data) | 1.3342 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 928079 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.3750 | 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) | -2526.43 | 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 | No | (No Data) | (No Data) | Yes | 2700.00 | No | (No Data) | 1.0687 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 928081 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -1838.39 | 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 | 1850.00 | No | (No Data) | 1.0063 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927988 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 9.3838 | No | No | 2.209 | 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 | 45.63 | 45.63 | 45.63 | 45.63 | 45.63 | 45.63 | No | No | (No Data) | 21869.38 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (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) |
| XXXXXX | 928082 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.7500 | No | No | 0.75 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1075.13 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1700.00 | No | (No Data) | 1.5812 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 928083 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.3750 | 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) | -2940.21 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 1.0203 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933518 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2485.47 | 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 | 2500.00 | 1.0058 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| XXXXXX | 927994 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.4890 | No | No | 3.335 | 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 | 51.58 | 51.58 | 51.58 | 51.58 | 51.58 | 51.58 | Yes | Yes | Yes | 6113.34 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (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) |
| XXXXXX | 933464 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -1691.86 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 1.3003 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933466 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.7490 | 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) | -1866.14 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 1.2324 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933468 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -4507.35 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4866.00 | No | (No Data) | 1.0795 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927941 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.1965 | Yes | Yes | 1.457 | 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 | 6.14 | 6.14 | 6.14 | 6.14 | 6.14 | 6.14 | No | No | (No Data) | 117617.11 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (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) |
| XXXXXX | 927943 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.0154 | Yes | Yes | 1.452 | 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 | 39.49 | 39.49 | 39.49 | 39.49 | 39.49 | 39.49 | Yes | Yes | Yes | 18979.14 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 933471 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -2248.97 | 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 | 2250.00 | 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; | (No Data) | (No Data) |
| XXXXXX | 933472 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -8213.45 | No | (No Data) | No | (No Data) | No | No | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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 | 5400.00 | No | (No Data) | 0.6574 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| XXXXXX | 933641 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -2619.85 | Not Applicable | (No Data) | Not Applicable | (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 | 3000.00 | No | (No Data) | 1.1451 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933358 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.6689 | Yes | Yes | 2.463 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | No | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 28.86 | 29.12 | 28.86 | 29.12 | 29.12 | 29.12 | No | No | (No Data) | 15483.85 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (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) |
| XXXXXX | 933627 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.7500 | 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) | -3185.52 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4300.00 | No | (No Data) | 1.3498 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 928087 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.6249 | 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) | -2213.97 | 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 | 2250.00 | No | (No Data) | 1.0162 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| XXXXXX | 928088 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.5000 | 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) | -6755.38 | 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 | 3300.00 | No | (No Data) | 0.4884 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 927997 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.5555 | Yes | Yes | 2.302 | 2.302 | (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 | 40.17 | 40.66 | 40.66 | 40.66 | 40.66 | 40.66 | No | No | (No Data) | 5774.45 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | 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) | 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 | (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) | W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| XXXXXX | 933393 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.1966 | No | No | 1.862 | 1.862 | (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 | 49.02 | 48.98 | 48.98 | 48.98 | 48.98 | 48.98 | No | No | (No Data) | 6777.9 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (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) |
| XXXXXX | 933477 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -3271.19 | 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 | 3600.00 | No | (No Data) | 1.1005 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933394 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 9.6614 | Yes | Yes | 2.247 | 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 | 35.71 | 35.47 | 35.71 | 35.47 | 35.47 | 35.47 | No | No | (No Data) | 20426.98 | 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) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 14 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 933543 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | Yes | No | 1 | 9.8837 | Yes | Yes | 4.295 | 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 | 39.08 | 38.94 | 39.08 | 38.94 | 38.94 | 38.94 | No | No | (No Data) | 4079.58 | 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 | 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 | 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 - 31 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 933517 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -2437.74 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2700.00 | No | (No Data) | 1.1075 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 928097 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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 | 24.62 | 0 | 24.62 | 24.62 | 24.62 | (No Data) | (No Data) | (No Data) | 16704.51 | 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) |
| XXXXXX | 933395 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.8933 | Yes | Yes | 2.338 | 2.338 | (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 | 42.64 | 42.64 | 42.64 | 42.64 | 42.64 | 42.64 | No | No | (No Data) | 5790.18 | 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) | 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) |
| XXXXXX | 928098 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.5001 | Yes | 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 | 22.84 | 0 | 22.84 | 22.84 | 22.84 | (No Data) | (No Data) | (No Data) | 17092.36 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (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) |
| XXXXXX | 933485 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -2332.32 | 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 | 2400.00 | No | (No Data) | 1.0290 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 928089 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.5000 | 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) | -1117.34 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1400.00 | No | (No Data) | 1.2529 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933486 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 6.4999 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2346.04 | 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 | No | (No Data) | (No Data) | Yes | 2600.00 | No | (No Data) | 1.1082 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933399 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.9194 | No | No | 2.515 | 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 | 46.88 | 46.33 | 46.88 | 46.33 | 46.33 | 46.33 | Yes | Yes | Yes | 5939.87 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (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) |
| XXXXXX | 933400 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.1563 | Yes | Yes | 2.569 | 2.569 | (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 | 25.12 | 24.94 | 24.94 | 24.94 | 24.94 | 24.94 | No | No | (No Data) | 11355.68 | 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) | 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) |
| XXXXXX | 933544 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 9.1687 | No | No | 4.951 | 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 | 48.87 | 48.88 | 48.87 | 48.88 | 48.88 | 48.88 | Yes | Yes | Yes | 2723.21 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (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) |
| XXXXXX | 933588 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 9.6092 | Yes | Yes | 3.08 | 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 | 28.82 | 28.82 | 28.82 | 28.82 | 28.82 | 28.82 | Yes | Yes | Yes | 21760.17 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (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) |
| XXXXXX | 927948 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.6707 | Yes | Yes | 2.728 | 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 | 42.89 | 42.05 | 42.89 | 42.05 | 42.05 | 42.05 | No | No | (No Data) | 27591.61 | 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) |
| XXXXXX | 933679 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 9.8750 | 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) | -4053.74 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2625.00 | No | (No Data) | 0.6475 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933489 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -1483.78 | 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 | 1600.00 | No | (No Data) | 1.0783 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 223155 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | No | (No Data) | (No Data) | No | Yes | 1 | 8.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3820.39 | 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 | 5200.00 | No | (No Data) | 1.3611 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933545 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.8284 | Yes | Yes | 4.905 | 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 | 29.72 | 26.37 | 29.72 | 26.37 | 26.37 | 26.37 | Yes | Yes | Yes | 12594.83 | 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) | No | (No Data) | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (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 - 48 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 933538 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.2798 | Yes | Yes | 1.65 | 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 | 32.83 | 32.83 | 32.83 | 30.94 | 30.94 | 30.94 | No | No | (No Data) | 29849.92 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (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) |
| XXXXXX | 933494 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.7501 | 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) | -1105.39 | 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 | 1600.00 | No | (No Data) | 1.4474 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 48216 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 9.5000 | 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 | 25.6 | 0 | 25.6 | 25.6 | 25.6 | (No Data) | (No Data) | (No Data) | 47378.69 | 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 | 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) |
| XXXXXX | 933595 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.6125 | No | No | 1.959 | 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 | 43.28 | 43.28 | 43.28 | 43.28 | 43.28 | 43.28 | No | No | (No Data) | 21399.6 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933547 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | Yes | 1 | 10.1419 | No | No | 3.17 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.55 | 43.55 | 43.55 | 43.55 | 43.55 | 43.55 | Yes | Yes | Yes | 6096.93 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (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) |
| XXXXXX | 933634 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 2% of amt prepd | (No Data) | No | Yes | 1 | 8.4989 | No | No | 2 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1298.21 | 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) | Yes | 1600.00 | No | (No Data) | 1.2324 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933499 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.0001 | 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) | -2192.26 | 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 | 2350.00 | No | (No Data) | 1.0719 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933408 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 9.1459 | Yes | Yes | 2.389 | 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 | 29.63 | 32.4 | 29.63 | 32.4 | 32.4 | 32.4 | Yes | Yes | Yes | 11639.33 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (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) |
| XXXXXX | 933430 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.5000 | 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 | 49.53 | 0 | 49.53 | 49.53 | 50.27 | (No Data) | (No Data) | (No Data) | 11636.04 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 933433 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | No | (No Data) | (No Data) | No | Yes | 1 | 7.1241 | Yes | 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 | 37.76 | 0 | 37.76 | 37.76 | 37.76 | (No Data) | (No Data) | (No Data) | 71150.39 | 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) | 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 | 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) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 12 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 933548 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.9718 | No | No | 2.334 | 2.334 | (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 | 48.7 | 49.32 | 49.32 | 49.32 | 49.32 | 49.32 | No | No | (No Data) | 9805.66 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (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) |
| XXXXXX | 933503 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 9.3750 | 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) | -1958.47 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1950.00 | No | (No Data) | 0.9956 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933550 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 9.1857 | Yes | Yes | 4.984 | 4.984 | (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 | 40.87 | 40.82 | 40.82 | 40.82 | 40.82 | 40.82 | No | No | (No Data) | 4719.23 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (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) |
| XXXXXX | 933673 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -2698.74 | 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 | No | (No Data) | (No Data) | Yes | 2600.00 | No | (No Data) | 0.9634 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933675 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -2695.8 | 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) | 0.9273 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933662 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.2500 | 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) | -1934.48 | 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) | 1.0080 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933521 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.8750 | 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) | -1658.83 | 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 | 1650.00 | No | (No Data) | 0.9946 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933438 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.8741 | 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 | 16.78 | 0 | 16.78 | 16.78 | 16.78 | (No Data) | (No Data) | (No Data) | 62524.53 | 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) | 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) |
| XXXXXX | 933508 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.7501 | 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) | -1217.89 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1425.00 | No | (No Data) | 1.1700 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933644 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.5000 | 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) | -2299.45 | 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 | 2500.00 | No | (No Data) | 1.0872 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933552 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 9.8095 | Yes | Yes | 2.575 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.83 | 38.83 | 38.83 | 38.83 | 38.83 | 38.83 | No | No | (No Data) | 10839.26 | 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) | 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) |
| XXXXXX | 933511 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.3750 | 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) | -1817.43 | Not Applicable | (No Data) | Not Applicable | (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 | 2200.00 | No | (No Data) | 1.2105 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933587 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 10.4558 | Yes | Yes | 2.707 | 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 | 26.51 | 27.25 | 26.51 | 27.25 | 27.25 | 27.25 | Yes | Yes | Yes | 21809.49 | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933636 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.5000 | 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) | -1840.24 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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 | 2100.00 | No | (No Data) | 1.1411 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933664 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -2980.06 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 1.0066 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933610 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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 | 36.11 | 0 | 36.11 | 36.11 | 36.11 | (No Data) | (No Data) | (No Data) | 9702.53 | 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) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Bank Statements - 12 months; | (No Data) |
| XXXXXX | 933608 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.5000 | 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 | 14.92 | 0 | 14.92 | 14.92 | 14.92 | (No Data) | (No Data) | (No Data) | 40266.51 | 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) |
| XXXXXX | 933632 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -2120.17 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2537.00 | No | (No Data) | 1.1966 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933678 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -4486.28 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 0.6687 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933645 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -2495.81 | 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 | 2700.00 | No | (No Data) | 1.0818 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933677 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -2975.28 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 0.8066 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933652 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1797.88 | 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 | No | (No Data) | (No Data) | Yes | 1850.00 | No | (No Data) | 1.0289 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933513 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.5000 | 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) | -6560.25 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 11500.00 | No | (No Data) | 1.7529 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933555 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.7820 | Yes | Yes | 2.485 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.48 | 37.48 | 37.48 | 37.48 | 37.48 | 37.48 | Yes | Yes | Yes | 6648.8 | 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) | 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) |
| XXXXXX | 933647 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -2578.03 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2735.00 | No | (No Data) | 1.0608 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933617 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -2289.19 | 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 | 6827.00 | No | (No Data) | 2.9822 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933656 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -2551.81 | 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 | 2600.00 | No | (No Data) | 1.0188 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933604 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.2500 | 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 | 48.15 | 0 | 48.15 | 48.15 | 48.15 | (No Data) | (No Data) | (No Data) | 33776.18 | 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 | 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) |
| XXXXXX | 933514 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.5000 | 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) | -2814.36 | 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 | 3000.00 | No | (No Data) | 1.0659 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933646 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.5000 | 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) | -3223.63 | 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 | No | (No Data) | (No Data) | Yes | 3500.00 | No | (No Data) | 1.0857 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933676 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 9.1250 | 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) | -3242.45 | 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) | Yes | 2700.00 | No | (No Data) | 0.8327 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 933558 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 9.4436 | Yes | Yes | 1.576 | 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 | 37.7 | 37.58 | 37.7 | 37.58 | 37.58 | 37.58 | Yes | Yes | Yes | 10737.93 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (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) |
| XXXXXX | 933624 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.3750 | 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) | -1400.96 | 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 | 1950.00 | No | (No Data) | 1.3919 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933559 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.5262 | Yes | Yes | 2.442 | 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 | 14.41 | 14.27 | 14.41 | 14.27 | 14.27 | 14.27 | No | No | (No Data) | 40809.98 | 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) | 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) |
| XXXXXX | 933665 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -2399.52 | 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 | 2400.00 | No | (No Data) | 1.0002 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933666 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5993.71 | 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 | 6000.00 | No | (No Data) | 1.0010 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933680 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.3750 | 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) | -2714.69 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3100.00 | No | (No Data) | 1.1419 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933535 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 9.0491 | No | No | 3.731 | 3.731 | (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 | 44.17 | 46.32 | 46.32 | 46.32 | 46.32 | 46.32 | No | No | (No Data) | 5258.41 | 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) | 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) |
| XXXXXX | 933628 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.8750 | 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) | -1379.87 | 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 | No | (No Data) | (No Data) | Yes | 1850.00 | No | (No Data) | 1.3407 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933667 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.8751 | 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) | -3165.41 | 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 | 3195.00 | 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) |
| XXXXXX | 933653 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -2145.49 | 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) | 1.0254 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 933648 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.1250 | 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) | -2028.67 | 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 | 2100.00 | No | (No Data) | 1.0351 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933585 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 10.1163 | Yes | Yes | 2.265 | 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 | 39.85 | 39.38 | 39.85 | 39.38 | 39.38 | 39.38 | Yes | Yes | Yes | 4560.48 | 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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 933606 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.7500 | 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 | 36.18 | 0 | 36.18 | 36.18 | 36.18 | (No Data) | (No Data) | (No Data) | 6964.41 | 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) | 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) |
| XXXXXX | 933638 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -1759.25 | 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 | 2000.00 | No | (No Data) | 1.1368 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933607 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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 | 36.44 | 0 | 36.44 | 36.44 | 36.44 | (No Data) | (No Data) | (No Data) | 55580.61 | 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 | 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 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Bank Statements - 12 months; | (No Data) |
| XXXXXX | 933650 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.7501 | 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) | -2278.94 | 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 | 2350.00 | No | (No Data) | 1.0312 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933649 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -2944.04 | 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) | Yes | No | (No Data) | (No Data) | Yes | 3500.00 | No | (No Data) | 1.1888 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933620 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 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) | -1505.95 | 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 | 2300.00 | No | (No Data) | 1.5272 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933654 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.8750 | 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) | -1851.34 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1900.00 | No | (No Data) | 1.0262 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933619 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.5000 | 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) | -1552.16 | 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) | Yes | 2440.00 | No | (No Data) | 1.5720 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933682 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -4473.85 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4900.00 | No | (No Data) | 1.0952 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933613 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 1.21 | 0 | 1.21 | 1.21 | 1.21 | (No Data) | (No Data) | (No Data) | 1452347.09 | 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) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Bank Statements - 12 months; | (No Data) |
| XXXXXX | 933672 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 9.5000 | 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) | -3011.51 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 0.9961 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933516 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.8750 | 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) | -1421.49 | 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 | 1800.00 | No | (No Data) | 1.2662 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933685 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.9990 | 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) | -3196.38 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2850.00 | No | (No Data) | 0.8919 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933601 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.9428 | Yes | Yes | 2.156 | 2.156 | (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 | 37.39 | 37.6 | 37.6 | 37.6 | 37.6 | 37.6 | No | No | (No Data) | 29518.41 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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; | Paystub - 1 months; | (No Data) | (No Data) |
| XXXXXX | 933637 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.3750 | 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) | -2499.2 | 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) | Yes | 3150.00 | No | (No Data) | 1.2604 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933618 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -2879.2 | 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) | Yes | 6550.00 | No | (No Data) | 2.2749 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933686 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -2723.82 | 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 | 2400.00 | No | (No Data) | 0.8811 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933657 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 7.7491 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2472.53 | 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 | 2500.00 | No | (No Data) | 1.0111 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933630 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.2500 | 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) | -3538.15 | 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 | 4500.00 | No | (No Data) | 1.2718 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933629 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.2500 | 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) | -3469 | 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 | 4500.00 | No | (No Data) | 1.2972 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933633 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.2500 | 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) | -3390.19 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4300.00 | No | (No Data) | 1.2684 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933658 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.0000 | 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) | -2946.52 | 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 | 3000.00 | No | (No Data) | 1.0181 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933681 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.6250 | 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) | -1860.35 | 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 | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 1.2363 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933640 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2080.77 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2350.00 | No | (No Data) | 1.1293 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 933655 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -2597.34 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2950.00 | No | (No Data) | 1.1357 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933668 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.2500 | 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) | -3170.83 | 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) | Yes | 3200.00 | 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) |
| XXXXXX | 933639 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -1125.03 | 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 | 1275.00 | No | (No Data) | 1.1333 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933621 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -2174.25 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3300.00 | No | (No Data) | 1.5177 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933623 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 1% of OPB | (No Data) | No | Yes | 1 | 8.5000 | No | No | 1 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1859.79 | 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 | 2650.00 | No | (No Data) | 1.4248 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933625 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 9.0000 | 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) | -3162.58 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4350.00 | No | (No Data) | 1.3754 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933669 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -1994.5 | 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) | Yes | 1865.00 | No | (No Data) | 0.9350 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933568 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.7683 | Yes | Yes | 1.213 | 1.213 | (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 | 30.05 | 30.08 | 30.08 | 30.08 | 30.08 | 30.08 | No | No | (No Data) | 27073.27 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (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) |
| XXXXXX | 933603 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 9.3750 | 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 | 49.02 | 0 | 49.02 | 49.02 | 49.02 | (No Data) | (No Data) | (No Data) | 4509.47 | 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) | 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 | (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; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 933570 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.7378 | Yes | Yes | 4.423 | 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 | 42.53 | 42.58 | 42.58 | 42.58 | 42.58 | 42.58 | No | No | (No Data) | 7595.57 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 | (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 - 12 months;<br> Written VOE - 12 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 933591 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | No | 1 | 10.0075 | Yes | Yes | 2.364 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.19 | 36.86 | 37.19 | 35.72 | 35.72 | 35.72 | No | No | (No Data) | 12750.18 | 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 | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) |
| XXXXXX | 933659 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.3750 | 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) | -1821.42 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1850.00 | No | (No Data) | 1.0156 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933674 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.3750 | No | No | 0 | (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) | -2130.07 | 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) | 0.9389 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933642 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | -2949.47 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3350.00 | No | (No Data) | 1.1357 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933683 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.2500 | 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) | -1865.5 | 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 | No | (No Data) | (No Data) | Yes | 3850.00 | No | (No Data) | 2.0638 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933530 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.6657 | Yes | Yes | 1.138 | 1.138 | (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 | 41.29 | 41.29 | 41.29 | 41.29 | 41.29 | 41.29 | No | No | (No Data) | 14734.29 | 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) |
| XXXXXX | 933572 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.8641 | No | No | 4.451 | 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 | 48.94 | 48.93 | 48.94 | 48.93 | 48.93 | 48.93 | No | No | (No Data) | 2177.21 | 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 | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (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 - 36 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 933670 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.2500 | 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) | -4997.96 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5000.00 | 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; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 933612 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 9.3750 | 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 | 36.83 | 0 | 36.83 | 36.83 | 36.83 | (No Data) | (No Data) | (No Data) | 7199.61 | 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 | 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) |
| XXXXXX | 933615 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.5000 | 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) | -2069.51 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2550.00 | No | (No Data) | 1.2321 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933533 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR-Attached | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.4914 | Yes | Yes | 2.241 | 2.241 | (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 | 29.63 | 29.63 | 29.89 | 29.63 | 29.63 | 29.63 | No | No | (No Data) | 59143.96 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (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) |
| XXXXXX | 933643 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 9.1250 | 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) | -1757.98 | 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 | 1930.00 | No | (No Data) | 1.0978 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933684 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 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) | -959.21 | 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) | Yes | 2000.00 | No | (No Data) | 2.0850 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933631 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -1288.18 | 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 | 1700.00 | No | (No Data) | 1.3196 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933575 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 9.8319 | No | No | 2.787 | 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 | 49.44 | 49.87 | 49.44 | 49.87 | 49.87 | 49.87 | Yes | Yes | Yes | 3926.54 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| XXXXXX | 933651 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.8750 | 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) | -1207.22 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1250.00 | No | (No Data) | 1.0354 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933611 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 9.3750 | 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 | 12.19 | 0 | 12.19 | 12.19 | 12.19 | (No Data) | (No Data) | (No Data) | 29236.55 | 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 | 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 | 15 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 15 months;<br> CPA Letter without Income - 1 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 933626 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -1313.97 | 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) | Yes | 1800.00 | No | (No Data) | 1.3698 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933671 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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) | Rate and Term Refi | Yes | Yes | 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 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7394.97 | 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) | Yes | 7400.00 | No | (No Data) | 1.0006 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933577 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 9.1759 | No | No | 1.51 | 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 | 49.58 | 49.58 | 49.58 | 49.58 | 49.58 | 49.58 | Yes | Yes | Yes | 5661.24 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| XXXXXX | 933540 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.7750 | No | Yes | 1.203 | 1.203 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -10666.12 | 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 | 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 | 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) | Business Bank Statements - 2 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 933578 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 9.5436 | Yes | Yes | 3.654 | 3.654 | (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 | 21.64 | 21.64 | 21.64 | 21.64 | 21.64 | 21.64 | No | No | (No Data) | 9944.71 | 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) | 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) |
| XXXXXX | 933660 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.6250 | 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 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1377.9 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1400.00 | 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) |
| XXXXXX | 933616 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -4478.94 | 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 | 4500.00 | No | (No Data) | 1.0047 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933661 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 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) | -2951.83 | 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 | 3000.00 | No | (No Data) | 1.0163 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933581 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 10.2699 | Yes | Yes | 3.242 | 3.242 | (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 | 42.41 | 42.41 | 42.41 | 42.41 | 42.41 | 42.41 | No | No | (No Data) | 9965.09 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (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) |
| XXXXXX | 933584 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 10.1660 | Yes | Yes | 3.366 | 3.366 | (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 | 21.61 | 21.19 | 21.19 | 21.19 | 21.19 | 21.19 | No | No | (No Data) | 19176.56 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| XXXXXX | 933635 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 9.2490 | 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) | -2247.99 | 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) | Yes | 2700.00 | No | (No Data) | 1.2010 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 933582 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.8789 | No | No | 3.098 | 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 | 47.02 | 47.02 | 47.02 | 47.02 | 47.02 | 47.02 | Yes | Yes | Yes | 3639.41 | 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) | 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) |
| XXXXXX | 933614 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.3750 | 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 | 22.72 | 0 | 22.72 | 22.72 | 22.72 | (No Data) | (No Data) | (No Data) | 24323.49 | 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) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Bank Statements - 12 months; | (No Data) |
| XXXXXX | 933583 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.9903 | Yes | Yes | 2.669 | 2.669 | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 27.95 | 27.95 | 27.95 | 27.95 | 27.95 | 27.95 | No | No | (No Data) | 11528.52 | 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) | 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) |
| XXXXXX | 933599 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | 8.7579 | Yes | Yes | 2.984 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 26.09 | 26.09 | 26.09 | 26.09 | 26.09 | 26.09 | Yes | Yes | Yes | 8848.94 | 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) | 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 | (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 - 12 months;<br> Written VOE - 12 months; | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 12 months; | (No Data) | (No Data) |

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## Exhibit 99.4

[HOMES 2023-NQM2 ABS-15G](home-abs15g_031723.htm)

**EXHIBIT 99.4**

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| | |
|:---|:---|
| **Client Name:** | **Ares Management** |
| **Client Project Name:** | **HOMES 2023-NQM2** |
| **Start - End Dates:** | **4/26/2022 – 12/16/2022** |
| **Deal Loan Count:** | **476** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *476* |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Alternate Loan Numbers** | **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** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| XXXXXX | 926104 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 21715 | XXXXXX | 6.249 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 925785 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 23450 | XXXXXX | 6.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 925792 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 81396 | XXXXXX | 6.3749 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 925791 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 16600 | XXXXXX | 7.2499 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 925787 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 15640 | XXXXXX | 7.2499 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 925795 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 24269.4 | XXXXXX | 6.4733 | Employed | (No Data) | Permanent Resident Alien | (No Data) | Yes | 58339.68 |
| XXXXXX | 925796 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9796 | XXXXXX | 6.6383 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 97175 |
| XXXXXX | 931324 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 16771 | XXXXXX | 7.7545 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| XXXXXX | 925803 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 16032.85 | XXXXXX | 6.2499 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 925804 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9487.5 | XXXXXX | 7.1241 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 925805 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11766 | XXXXXX | 6.8001 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 925811 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12366 | XXXXXX | 6.4164 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| XXXXXX | 925812 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12675 | XXXXXX | 7 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 925814 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 16111 | XXXXXX | 6.4444 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 925815 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 14156.6 | XXXXXX | 6.1147 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 925816 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 26000 | XXXXXX | 7 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 925818 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 24063 | XXXXXX | 6.625 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| XXXXXX | 926106 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 16065 | XXXXXX | 6.7499 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| XXXXXX | 925820 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12941.25 | XXXXXX | 7.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 925822 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 21037.5 | XXXXXX | 6.7499 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 925823 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7866 | XXXXXX | 6.7001 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | Yes | 27784.25 |
| XXXXXX | 925826 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 4590 | XXXXXX | 7.9991 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 925834 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12341.75 | XXXXXX | 7.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926107 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7226.7 | XXXXXX | 7.7501 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 925838 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 22725 | XXXXXX | 8.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 925839 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8812.5 | XXXXXX | 6.374 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926109 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11517 | XXXXXX | 6.75 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| XXXXXX | 925843 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13156 | XXXXXX | 7.578 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 928012 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6750 | XXXXXX | 7.7501 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 925845 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6844 | XXXXXX | 8.2162 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 925846 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.2172 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| XXXXXX | 925848 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9790.38 | XXXXXX | 6.9086 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 16152.78 |
| XXXXXX | 925849 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7071 | XXXXXX | 8.4619 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 925852 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11857.5 | XXXXXX | 6.3739 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 925854 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13721 | XXXXXX | 6.8711 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 925855 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 2048.89 | XXXXXX | 7.4473 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 2684.77 |
| XXXXXX | 925857 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8125 | XXXXXX | 7.625 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 925858 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14600 | XXXXXX | 8.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 925860 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 19175 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 925862 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 23715 | XXXXXX | 8.375 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 925863 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10672.5 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926112 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 16830 | XXXXXX | 6.999 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 925867 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13000 | XXXXXX | 6.3749 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 925870 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 15750 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 925872 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7000 | XXXXXX | 8.0001 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926096 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 15957.58 | XXXXXX | 7.1728 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| XXXXXX | 925875 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5356.9 | XXXXXX | 8.239 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 925877 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 18545.8 | XXXXXX | 7.1398 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| XXXXXX | 926019 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 31377.25 | XXXXXX | 6.4183 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 925880 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11245.5 | XXXXXX | 7 | Unemployed | Employed | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| XXXXXX | 925883 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10046 | XXXXXX | 7.12 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 926114 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 38250 | XXXXXX | 6.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926115 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8241.75 | XXXXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 925885 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10000 | XXXXXX | 6.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926053 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11071 | XXXXXX | 6.4564 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 927725 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 40447 | XXXXXX | 7.513 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | Yes | 99108.29 |
| XXXXXX | 925889 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8950.5 | XXXXXX | 6.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 925890 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10471 | XXXXXX | 7.06 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| XXXXXX | 927882 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10201 | XXXXXX | 9.4605 | Employed | (No Data) | Permanent Resident Alien | (No Data) | Yes | 11195 |
| XXXXXX | 926054 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9121 | XXXXXX | 7.2522 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 925899 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11857.5 | XXXXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 925900 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11205.39 | XXXXXX | 6.8749 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926116 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5812.5 | XXXXXX | 7.7491 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926056 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6015 | XXXXXX | 6.3826 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 16138 |
| XXXXXX | 925905 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9883.53 | XXXXXX | 8.6103 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 925907 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6579 | XXXXXX | 6.2489 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 925909 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5100 | XXXXXX | 6.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926117 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5814 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 925911 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.2385 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | Yes | 16275.18 |
| XXXXXX | 925913 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 16566 | XXXXXX | 6.864 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 926120 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10302.25 | XXXXXX | 6.749 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 928014 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12625.7 | XXXXXX | 7.25 | Unemployed | Employed | Non-Resident Alien | (No Data) | (No Data) | 0 |
| XXXXXX | 925922 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8500 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926121 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 17806.25 | XXXXXX | 6.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 925932 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 18000 | XXXXXX | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 925934 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 27071 | XXXXXX | 6.7235 | Employed | Unemployed | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 926045 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 16471 | XXXXXX | 6.4048 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| XXXXXX | 926123 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 31832.95 | XXXXXX | 5.9989 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 925937 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7664 | XXXXXX | 7.7671 | Employed | (No Data) | Permanent Resident Alien | (No Data) | No | 0 |
| XXXXXX | 925942 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 37500 | XXXXXX | 7.8751 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933440 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11929.9 | XXXXXX | 8.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 928015 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11679.01 | XXXXXX | 7.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 925945 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11051.73 | XXXXXX | 7.2285 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | Yes | 9309.5 |
| XXXXXX | 926223 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 17500 | XXXXXX | 8.75 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| XXXXXX | 925951 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 15600 | XXXXXX | 7.6251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 925952 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13629.4 | XXXXXX | 6.9812 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 925953 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 26530.2 | XXXXXX | 7.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 925954 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 15421 | XXXXXX | 6.8862 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| XXXXXX | 926125 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 36337.5 | XXXXXX | 7 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933441 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12827.45 | XXXXXX | 8.125 | Unemployed | Unemployed | Non-Resident Alien | (No Data) | (No Data) | 0 |
| XXXXXX | 925958 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8550.15 | XXXXXX | 6.625 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| XXXXXX | 933442 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 22890 | XXXXXX | 8.25 | Unemployed | Employed | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| XXXXXX | 925965 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5674.86 | XXXXXX | 6.8191 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 925966 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10275.68 | XXXXXX | 6.7921 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| XXXXXX | 925967 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 15037 | XXXXXX | 8.0815 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 926017 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 20726 | XXXXXX | 6.8683 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 925969 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 27259.5 | XXXXXX | 7.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 925970 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 18721 | XXXXXX | 6.6115 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| XXXXXX | 925971 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 16596.4 | XXXXXX | 5.9471 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 926042 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10983.82 | XXXXXX | 6.575 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 10346 |
| XXXXXX | 926131 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 18150 | XXXXXX | 8.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926020 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 25096 | XXXXXX | 6.9126 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 927883 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 27378.5 | XXXXXX | 9.2514 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 11830 |
| XXXXXX | 926018 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11385.69 | XXXXXX | 6.1811 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 926048 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.1066 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 8641.19 |
| XXXXXX | 926136 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 32625 | XXXXXX | 6.6249 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926137 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7650 | XXXXXX | 7.7501 | Unemployed | Employed | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| XXXXXX | 926237 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 18823.9 | XXXXXX | 6.4999 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| XXXXXX | 926146 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 15850 | XXXXXX | 6.875 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 928016 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13005 | XXXXXX | 7.7501 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926148 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 21114 | XXXXXX | 7.5001 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 925989 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 17250 | XXXXXX | 7.5 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| XXXXXX | 926149 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 17350 | XXXXXX | 6.8749 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| XXXXXX | 925991 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9957.4 | XXXXXX | 7.2469 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 6979.11 |
| XXXXXX | 926063 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 25951 | XXXXXX | 7.9861 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 45894 |
| XXXXXX | 926023 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11913.25 | XXXXXX | 7.3943 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 926151 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13260 | XXXXXX | 6.3749 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926154 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12500 | XXXXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927897 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10312.5 | XXXXXX | 7.7501 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926066 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8657.2 | XXXXXX | 7.2192 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 927898 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8644.65 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926025 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7321 | XXXXXX | 7.176 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 925997 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13445.5 | XXXXXX | 7.6787 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 926156 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12418.5 | XXXXXX | 7.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926026 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11245.07 | XXXXXX | 6.9645 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| XXXXXX | 925998 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 24319 | XXXXXX | 8.9697 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 29994 |
| XXXXXX | 926157 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 38400 | XXXXXX | 7.7501 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926067 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11971 | XXXXXX | 6.9435 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 7166.71 |
| XXXXXX | 926159 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 34425 | XXXXXX | 6.8749 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927734 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10520 | XXXXXX | 7.7093 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 926091 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9635.11 | XXXXXX | 8.4336 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 3323.7 |
| XXXXXX | 927899 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 22250 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926050 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13772.88 | XXXXXX | 7.1107 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | Yes | 48129.36 |
| XXXXXX | 926001 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6300 | XXXXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926002 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6300 | XXXXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926027 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 28471 | XXXXXX | 6.8804 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 926003 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14440.55 | XXXXXX | 6.75 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926161 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6834.4 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926028 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8815 | XXXXXX | 6.8675 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 926163 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11842.25 | XXXXXX | 9 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926090 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9894.86 | XXXXXX | 7.0051 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | Yes | 4288.29 |
| XXXXXX | 927723 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5678.5 | XXXXXX | 8.6972 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 7122 |
| XXXXXX | 926165 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 18187.5 | XXXXXX | 7.8751 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926166 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12000 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927873 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 19600 | XXXXXX | 7.1251 | Retired | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| XXXXXX | 926169 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 28305 | XXXXXX | 7 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926049 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 18289.75 | XXXXXX | 7.627 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | No | 0 |
| XXXXXX | 926029 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10246 | XXXXXX | 7.588 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 926172 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 24250 | XXXXXX | 7.5 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| XXXXXX | 926173 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 23062.5 | XXXXXX | 6.5 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926174 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 23775 | XXXXXX | 6.75 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926175 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 22500 | XXXXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926177 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 17012.5 | XXXXXX | 7.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926178 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11418.05 | XXXXXX | 7.375 | Unemployed | Employed | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| XXXXXX | 926033 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9606 | XXXXXX | 6.6053 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 926182 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13132.5 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926032 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 20006.44 | XXXXXX | 6.9039 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 20082.6 |
| XXXXXX | 926186 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 40600 | XXXXXX | 7 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926224 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 25375 | XXXXXX | 6.999 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| XXXXXX | 926188 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 36413.1 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926078 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11076.38 | XXXXXX | 7.2635 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 1750 |
| XXXXXX | 926079 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12131 | XXXXXX | 7.7841 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | No | 0 |
| XXXXXX | 926192 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 1748.09 | XXXXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926194 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 23536.5 | XXXXXX | 7.25 | Unemployed | Employed | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| XXXXXX | 926034 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10156.48 | XXXXXX | 6.8953 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 4146.14 |
| XXXXXX | 926198 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14200 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927902 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 53397.5 | XXXXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927904 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 20790 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926199 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 15750 | XXXXXX | 7.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927797 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 79750 | XXXXXX | 6.4999 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927798 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 20452.5 | XXXXXX | 8.25 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| XXXXXX | 927903 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12973.1 | XXXXXX | 7.2489 | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926200 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11340 | XXXXXX | 7.6251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926201 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 95435 | XXXXXX | 7.5001 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927868 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 20062.5 | XXXXXX | 6.625 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| XXXXXX | 927801 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13387.5 | XXXXXX | 6.75 | Unemployed | Employed | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| XXXXXX | 926081 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6285.4 | XXXXXX | 7.3359 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 927781 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5581.76 | XXXXXX | 7.1776 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | No | 0 |
| XXXXXX | 928020 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5437.5 | XXXXXX | 7.624 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926204 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9900 | XXXXXX | 7.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927709 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 19071 | XXXXXX | 6.9949 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 36905 |
| XXXXXX | 926082 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5948.5 | XXXXXX | 9.2498 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 926037 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 23287 | XXXXXX | 6.7814 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 927806 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 1170.22 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926038 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12786 | XXXXXX | 6.9477 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 10200.45 |
| XXXXXX | 927808 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 25882.5 | XXXXXX | 7.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927743 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 22371 | XXXXXX | 7.2692 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 9527.95 |
| XXXXXX | 927905 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 20000 | XXXXXX | 8.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927809 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13566 | XXXXXX | 7.6251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926211 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 16932 | XXXXXX | 6.999 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926043 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5455.12 | XXXXXX | 7.8729 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| XXXXXX | 927865 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 55400 | XXXXXX | 9.75 | Employed | Unemployed | U.S. Citizen | Permanent Resident Alien | (No Data) | 0 |
| XXXXXX | 927810 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8032.5 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927811 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11250 | XXXXXX | 7.875 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926083 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 16261 | XXXXXX | 8.9479 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 9468 |
| XXXXXX | 927815 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7675.5 | XXXXXX | 8.75 | Unemployed | Employed | Non-Resident Alien | (No Data) | (No Data) | 0 |
| XXXXXX | 927816 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 16500 | XXXXXX | 7 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927907 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9562.05 | XXXXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926085 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 4939.43 | XXXXXX | 8.0753 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | No | 0 |
| XXXXXX | 926046 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13181 | XXXXXX | 7.9499 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| XXXXXX | 926229 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14583.45 | XXXXXX | 8.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| XXXXXX | 926095 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 34471 | XXXXXX | 7.4298 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | No | 0 |
| XXXXXX | 927750 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7298.11 | XXXXXX | 8.9436 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 5355 |
| XXXXXX | 927908 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 31687.5 | XXXXXX | 8.499 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927711 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 16873 | XXXXXX | 7.8806 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 926222 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7650 | XXXXXX | 8.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 926221 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 18287.7 | XXXXXX | 6.874 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927874 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10343.36 | XXXXXX | 8.5611 | Unemployed | (No Data) | U.S. Citizen | (No Data) | Yes | 6378.77 |
| XXXXXX | 927822 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 15300 | XXXXXX | 7.999 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927866 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5000 | XXXXXX | 7.874 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| XXXXXX | 927824 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14619.15 | XXXXXX | 7.5001 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927776 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12997.25 | XXXXXX | 8.83 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| XXXXXX | 927911 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 24750 | XXXXXX | 7.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927827 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5000 | XXXXXX | 7.8751 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927912 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 20475 | XXXXXX | 8.249 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927772 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12946.5 | XXXXXX | 8.5703 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| XXXXXX | 927872 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 34459.25 | XXXXXX | 7.5001 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| XXXXXX | 927832 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 15750 | XXXXXX | 8.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927833 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14000 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927712 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 18774 | XXXXXX | 7.7524 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 927778 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9271 | XXXXXX | 8.0002 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| XXXXXX | 927837 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12574.5 | XXXXXX | 6.875 | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927915 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13029 | XXXXXX | 7.875 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927779 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 23633.5 | XXXXXX | 7.8618 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| XXXXXX | 927840 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13050 | XXXXXX | 8.75 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933444 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14190.4 | XXXXXX | 8.5 | Unemployed | Unemployed | Non-Resident Alien | (No Data) | (No Data) | 0 |
| XXXXXX | 927841 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 21050.25 | XXXXXX | 8.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 928024 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 18000 | XXXXXX | 7.1251 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927761 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 3727.6 | XXXXXX | 7.1967 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 927846 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6201.55 | XXXXXX | 7.999 | Employed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 928025 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13591.5 | XXXXXX | 7.5 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933663 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 16500 | XXXXXX | 8.5 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927783 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 42421 | XXXXXX | 8.2421 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| XXXXXX | 927848 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 21875 | XXXXXX | 7.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927919 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7125 | XXXXXX | 8.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927849 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5100 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927766 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9325 | XXXXXX | 8.0868 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 927852 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12041.4 | XXXXXX | 6.874 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| XXXXXX | 928029 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 28280 | XXXXXX | 7.7501 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927854 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5100 | XXXXXX | 6.999 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927957 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 22108.5 | XXXXXX | 8.3209 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 927856 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5700 | XXXXXX | 7.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927857 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 18337.5 | XXXXXX | 7.9991 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 928031 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11550 | XXXXXX | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927859 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11900 | XXXXXX | 6.875 | Employed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 928005 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 4372.45 | XXXXXX | 7.9318 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| XXXXXX | 928030 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11750 | XXXXXX | 7.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927893 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11246 | XXXXXX | 9.1513 | Unemployed | (No Data) | U.S. Citizen | (No Data) | Yes | 3126.83 |
| XXXXXX | 933605 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8737.5 | XXXXXX | 9.375 | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 928032 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 1190 | XXXXXX | 7.5001 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927756 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 14646 | XXXXXX | 9.0241 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 933446 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7770 | XXXXXX | 9.125 | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927959 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8166 | XXXXXX | 7.5629 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 933447 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12265.5 | XXXXXX | 7.8751 | Employed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927960 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12306 | XXXXXX | 8.2319 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 26320 |
| XXXXXX | 927927 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 26611 | XXXXXX | 6.9644 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 28832 |
| XXXXXX | 928034 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11500 | XXXXXX | 6.999 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927920 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7640 | XXXXXX | 6.875 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927929 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6775 | XXXXXX | 7.419 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| XXXXXX | 928035 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 17665.2 | XXXXXX | 7.75 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927933 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 927716 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 17842 | XXXXXX | 7.4984 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 927718 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6471 | XXXXXX | 7.2874 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 5223 |
| XXXXXX | 933378 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11747.88 | XXXXXX | 8.0566 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 9569 |
| XXXXXX | 927932 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 2942.25 | XXXXXX | 7.5964 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 908774 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 15995.01 | XXXXXX | 8.0001 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933449 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13680.25 | XXXXXX | 7.875 | Employed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 928042 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12000.01 | XXXXXX | 8.499 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927945 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 64721 | XXXXXX | 7.3826 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 40533.4 |
| XXXXXX | 928043 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14525 | XXXXXX | 7.7501 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933622 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 22350 | XXXXXX | 8.999 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 928044 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8625 | XXXXXX | 7.1251 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 928047 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 18000 | XXXXXX | 6.875 | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 928049 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 22680 | XXXXXX | 7.1251 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| XXXXXX | 928048 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7458.75 | XXXXXX | 7.1251 | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927770 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8001 | XXXXXX | 9.2868 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| XXXXXX | 927931 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9206 | XXXXXX | 8.7734 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 82792.28 |
| XXXXXX | 928095 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 15250 | XXXXXX | 6.875 | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 928052 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6250 | XXXXXX | 8.5 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| XXXXXX | 927973 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 16893.4 | XXXXXX | 8.562 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 3980.66 |
| XXXXXX | 928053 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 1394.15 | XXXXXX | 7.1251 | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 931355 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11000 | XXXXXX | 8.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927975 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10382.82 | XXXXXX | 7.1725 | Employed | (No Data) | Permanent Resident Alien | (No Data) | No | 0 |
| XXXXXX | 928054 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9937.5 | XXXXXX | 8.249 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927947 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 22891 | XXXXXX | 8.108 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| XXXXXX | 928056 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9779.25 | XXXXXX | 8.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 928091 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 1499.4 | XXXXXX | 6.8749 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| XXXXXX | 927980 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 17871 | XXXXXX | 7.8855 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 7772.81 |
| XXXXXX | 927935 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 15261 | XXXXXX | 7.4971 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 928058 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13321.9 | XXXXXX | 7.1251 | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 928059 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 19500 | XXXXXX | 7 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 928060 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 17600 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 928062 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6937.5 | XXXXXX | 7.875 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 928066 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 20750 | XXXXXX | 7.5001 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933453 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8670 | XXXXXX | 6.75 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933454 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7952.95 | XXXXXX | 6.999 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 928068 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12650.6 | XXXXXX | 7.375 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| XXXXXX | 927982 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13966 | XXXXXX | 9.3043 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 15131.24 |
| XXXXXX | 927984 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 26034.43 | XXXXXX | 8.1723 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 927936 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6971 | XXXXXX | 6.6574 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 11694.38 |
| XXXXXX | 704443 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6222 | XXXXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933381 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 20052.72 | XXXXXX | 6.9598 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 29598.49 |
| XXXXXX | 928013 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 16231 | XXXXXX | 7.2187 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 9652.93 |
| XXXXXX | 927937 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12821 | XXXXXX | 8.3837 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 933456 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11985 | XXXXXX | 6.999 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933424 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 20363.09 | XXXXXX | 7.4393 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 9601.74 |
| XXXXXX | 928073 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8250 | XXXXXX | 6.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 928075 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8437.5 | XXXXXX | 7.625 | Unemployed | Retired | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 928009 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12623.92 | XXXXXX | 7.2091 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | Yes | 20215 |
| XXXXXX | 933429 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6475 | XXXXXX | 8.5 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933519 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 18523.75 | XXXXXX | 7.25 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| XXXXXX | 933609 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14839.15 | XXXXXX | 8.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933435 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 16500 | XXXXXX | 8.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 928078 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11250 | XXXXXX | 7.75 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| XXXXXX | 933460 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5500 | XXXXXX | 7.6251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933434 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 15000 | XXXXXX | 7.625 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| XXXXXX | 933461 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8250 | XXXXXX | 7.8751 | Unemployed | Employed | Non-Resident Alien | (No Data) | (No Data) | 0 |
| XXXXXX | 928079 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11475 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 928081 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9596 | XXXXXX | 7 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927988 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 20596 | XXXXXX | 9.3838 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 928082 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 892.02 | XXXXXX | 6.75 | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 928083 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14500 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933518 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.5 | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927994 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 25165 | XXXXXX | 7.489 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | Yes | 4613 |
| XXXXXX | 933464 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8950.5 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933466 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9300 | XXXXXX | 6.749 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933468 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 26750 | XXXXXX | 8.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927941 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10821 | XXXXXX | 8.1965 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 927943 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 15747.68 | XXXXXX | 7.0154 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 18979.14 |
| XXXXXX | 933471 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9817.5 | XXXXXX | 7.1251 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933472 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 48730.5 | XXXXXX | 6.999 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| XXXXXX | 933641 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14849.2 | XXXXXX | 8.125 | Unemployed | Employed | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| XXXXXX | 933358 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9158.16 | XXXXXX | 8.6689 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 933627 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 15020.8 | XXXXXX | 8.75 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 928087 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 16403.95 | XXXXXX | 6.6249 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 928088 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 39270 | XXXXXX | 7.5 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 927997 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8361 | XXXXXX | 8.5555 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| XXXXXX | 933393 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 14112 | XXXXXX | 7.1966 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 933477 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 21000 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933394 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 14221 | XXXXXX | 9.6614 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 933543 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7146 | XXXXXX | 9.8837 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 933517 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 15660 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 928097 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 24562.5 | XXXXXX | 6.8749 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| XXXXXX | 933395 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6366 | XXXXXX | 8.8933 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 928098 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 19462.51 | XXXXXX | 7.5001 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| XXXXXX | 933485 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14917.5 | XXXXXX | 7.5001 | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 928089 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5400 | XXXXXX | 6.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933486 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11950 | XXXXXX | 6.4999 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933399 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8168.82 | XXXXXX | 8.9194 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 5882.87 |
| XXXXXX | 933400 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7439 | XXXXXX | 8.1563 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 933544 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7667.5 | XXXXXX | 9.1687 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 1346 |
| XXXXXX | 933588 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 19453.25 | XXXXXX | 9.6092 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 20261 |
| XXXXXX | 927948 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 28133.5 | XXXXXX | 8.6707 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| XXXXXX | 933679 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 19912.51 | XXXXXX | 9.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933489 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8100 | XXXXXX | 7.7501 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 223155 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933545 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 14228.5 | XXXXXX | 8.8284 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 12594.83 |
| XXXXXX | 933538 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 20108.5 | XXXXXX | 8.2798 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| XXXXXX | 933494 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5000 | XXXXXX | 7.7501 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 48216 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14062.5 | XXXXXX | 9.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933595 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6826 | XXXXXX | 8.6125 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| XXXXXX | 933547 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12420.25 | XXXXXX | 10.1419 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 4348 |
| XXXXXX | 933634 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 2086 | XXXXXX | 8.4989 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933499 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11457 | XXXXXX | 8.0001 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933408 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11741 | XXXXXX | 9.1459 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 11639.33 |
| XXXXXX | 933430 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 34760 | XXXXXX | 8.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933433 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1241 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933548 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13786.5 | XXXXXX | 8.9718 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 933503 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10289.25 | XXXXXX | 9.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933550 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13443.21 | XXXXXX | 9.1857 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 933673 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 15275 | XXXXXX | 8.125 | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933675 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 15242.5 | XXXXXX | 8.125 | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933662 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8500 | XXXXXX | 8.25 | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933521 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9975 | XXXXXX | 7.875 | Employed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933438 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 18551.25 | XXXXXX | 7.8741 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933508 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5676.3 | XXXXXX | 7.7501 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933644 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11375.01 | XXXXXX | 8.5 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| XXXXXX | 933552 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10519.74 | XXXXXX | 9.8095 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| XXXXXX | 933511 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6273 | XXXXXX | 8.375 | Unemployed | Employed | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| XXXXXX | 933587 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 15505.69 | XXXXXX | 10.4558 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | Yes | 21809.49 |
| XXXXXX | 933636 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7497 | XXXXXX | 8.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933664 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13094.25 | XXXXXX | 8.125 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933610 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9750 | XXXXXX | 8.625 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933608 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 22567.5 | XXXXXX | 8.5 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933632 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12375 | XXXXXX | 8.5 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933678 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 25704.01 | XXXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933645 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12010.5 | XXXXXX | 8.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933677 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 15396.5 | XXXXXX | 8.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933652 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11220 | XXXXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933513 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 31500 | XXXXXX | 7.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933555 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8671 | XXXXXX | 8.782 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 3798 |
| XXXXXX | 933647 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12450 | XXXXXX | 7.375 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| XXXXXX | 933617 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 16250 | XXXXXX | 7.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933656 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11175 | XXXXXX | 8.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933604 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 51400 | XXXXXX | 8.25 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933514 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13362 | XXXXXX | 8.5 | Employed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933646 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 18105 | XXXXXX | 8.5 | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933676 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 18900 | XXXXXX | 9.125 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933558 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6038.5 | XXXXXX | 9.4436 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 9283.99 |
| XXXXXX | 933624 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| XXXXXX | 933559 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9471 | XXXXXX | 8.5262 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 933665 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11375 | XXXXXX | 8.875 | Unemployed | Employed | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| XXXXXX | 933666 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 36562.51 | XXXXXX | 7.999 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933680 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| XXXXXX | 933535 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 16096 | XXXXXX | 9.0491 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 933628 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6075 | XXXXXX | 8.875 | Unemployed | Unemployed | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| XXXXXX | 933667 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933653 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10231.9 | XXXXXX | 8 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933648 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.125 | Employed | Unemployed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933585 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 2507.25 | XXXXXX | 10.1163 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | Yes | 4900.57 |
| XXXXXX | 933606 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13200 | XXXXXX | 8.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933638 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10500 | XXXXXX | 8.5 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933607 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 17812.5 | XXXXXX | 9 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933650 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13250 | XXXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933649 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 15000 | XXXXXX | 9.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933620 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933654 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9750 | XXXXXX | 8.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933619 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7500 | XXXXXX | 8.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933682 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 22990 | XXXXXX | 8.0001 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| XXXXXX | 933613 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 85900 | XXXXXX | 7.7501 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933672 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 15560 | XXXXXX | 9.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933516 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7600 | XXXXXX | 8.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933685 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 22891.31 | XXXXXX | 7.999 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| XXXXXX | 933601 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 28161 | XXXXXX | 8.9428 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| XXXXXX | 933637 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14000 | XXXXXX | 8.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933618 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 17500 | XXXXXX | 8.749 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933686 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14625 | XXXXXX | 8.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| XXXXXX | 933657 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12640.9 | XXXXXX | 7.7491 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| XXXXXX | 933630 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 22687.5 | XXXXXX | 8.25 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933629 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 22312.5 | XXXXXX | 8.25 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933633 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 22312.5 | XXXXXX | 8.25 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933658 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 17000 | XXXXXX | 8 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933681 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9480 | XXXXXX | 8.625 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| XXXXXX | 933640 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11550.01 | XXXXXX | 8.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933655 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14000 | XXXXXX | 8.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933668 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 19198.7 | XXXXXX | 8.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933639 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6500 | XXXXXX | 8.5 | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933621 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933623 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 1687.5 | XXXXXX | 8.5 | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933625 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 16901 | XXXXXX | 9 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933669 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10210.2 | XXXXXX | 8.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933568 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 14026 | XXXXXX | 8.7683 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 933603 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11620 | XXXXXX | 9.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933570 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 18071.5 | XXXXXX | 8.7378 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 933591 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11116 | XXXXXX | 10.0075 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| XXXXXX | 933659 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.375 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933674 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0.01 | XXXXXX | 9.375 | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933642 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14850 | XXXXXX | 8.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933683 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7500 | XXXXXX | 8.25 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| XXXXXX | 933530 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7498.38 | XXXXXX | 8.6657 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 933572 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7820.8 | XXXXXX | 8.8641 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 933670 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 19329 | XXXXXX | 8.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933612 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 20000 | XXXXXX | 9.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933615 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10837.5 | XXXXXX | 8.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933533 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 26591 | XXXXXX | 8.4914 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 933643 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9080.01 | XXXXXX | 9.125 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| XXXXXX | 933684 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.625 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 |
| XXXXXX | 933631 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5400 | XXXXXX | 8.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933575 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9839.36 | XXXXXX | 9.8319 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 3926.54 |
| XXXXXX | 933651 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6731.26 | XXXXXX | 8.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933611 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8868 | XXXXXX | 9.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933626 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6100 | XXXXXX | 8.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933671 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 42640.81 | XXXXXX | 8.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933577 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9283.5 | XXXXXX | 9.1759 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 3411 |
| XXXXXX | 933540 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9533.5 | XXXXXX | 8.775 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| XXXXXX | 933578 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6730.38 | XXXXXX | 9.5436 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 933660 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7150.01 | XXXXXX | 8.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933616 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 20625 | XXXXXX | 8.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933661 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 15750 | XXXXXX | 8.5 | Unemployed | Employed | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| XXXXXX | 933581 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12153.38 | XXXXXX | 10.2699 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 933584 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9594.5 | XXXXXX | 10.166 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 933635 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10990 | XXXXXX | 9.249 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933582 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6038.5 | XXXXXX | 8.8789 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 1640 |
| XXXXXX | 933614 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12350 | XXXXXX | 8.375 | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 933583 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12127.25 | XXXXXX | 8.9903 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 933599 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 3911.51 | XXXXXX | 8.7579 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 7352 |

---

## Exhibit 99.5

[HOMES 2023-NQM2 ABS-15G](home-abs15g_031723.htm)

**EXHIBIT 99.5**

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| | |
|:---|:---|
| **Client Name:** | **Ares Management** |
| **Client Project Name:** | **HOMES 2023-NQM2** |
| **Start - End Dates:** | **4/26/2022 - 12/16/2022** |
| **Deal Loan Count:** | **476** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *476* |
| ***Loans with Conditions:*** | *238* |

---

---

| |
|:---|
| **78 - Total Active Conditions** |
| **78 - Non-Material Conditions** |
| 56 - Credit Review Scope |
| 4 - Category: Assets |
| 16 - Category: Credit/Mtg History |
| 1 - Category: DTI |
| 3 - Category: Income/Employment |
| 2 - Category: Legal Documents |
| 1 - Category: LTV/CLTV |
| 29 - Category: Terms/Guidelines |
| 15 - Property Valuations Review Scope |
| 2 - Category: Appraisal |
| 11 - Category: FEMA |
| 2 - Category: Property |
| 7 - Compliance Review Scope |
| 1 - Category: RESPA |
| 1 - Category: Right of Rescission |
| 2 - Category: State Consumer Protection |
| 3 - Category: Texas Home Equity |
| **380 - Total Satisfied Conditions** |
| 261 - Credit Review Scope |
| 32 - Category: Application |
| 39 - Category: Assets |
| 11 - Category: Credit/Mtg History |
| 5 - Category: DTI |
| 33 - Category: Income/Employment |
| 16 - Category: Insurance |
| 87 - Category: Legal Documents |
| 4 - Category: LTV/CLTV |
| 16 - Category: Terms/Guidelines |
| 18 - Category: Title |
| 34 - Property Valuations Review Scope |
| 12 - Category: Appraisal |
| 10 - Category: FEMA |
| 11 - Category: Property |
| 1 - Category: Value |
| 85 - Compliance Review Scope |
| 46 - Category: Documentation |
| 1 - Category: Right of Rescission |
| 1 - Category: Texas Home Equity |
| 37 - Category: TILA/RESPA Integrated Disclosure |
| **1 - Total Waived Conditions** |
| 1 - Property Valuations Review Scope |
| 1 - Category: FEMA |

---

©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:** | **Ares Management** |
| **Client Project Name:** | **HOMES 2023-NQM2** |
| **Start - End Dates:** | **4/26/2022 - 12/16/2022** |
| **Deal Loan Count:** | **476** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *476* |
| ***Loans with Conditions:*** | *238* |

---

---

| | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Alternate Loan Numbers** | **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** |
| XXXXXX | 926104 | 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 | Provide 2 months XXX Statements ending in XXX. | 7.7.2022 Client responded - Loan is XXX loan with LTV of 28.76%. Per loan program guidelines for invX XXX, borrower income is not disclosed and reserves are not required due to lower LTV. Please clear condition. 7.7.2022 Upon further review income and assets are not required on a XXX loan. LTV is below 65% so reserves are not required. Exception satisfied. | 7.7.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 767; guideline minimum is 600.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 28.76%; guideline maximum is 75%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for 12 years. |
| XXXXXX | 926104 | 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 | Provide updated title or title supplement showing Proposed insured as XXX | 7.7.2022 Client responded - Please see attached copy of the final title policy, please clear condition7.7.2022 Upon further review client sent in the Final Title Policy with XXX as the insured. Exception satisfied. | 7.7.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 767; guideline minimum is 600.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 28.76%; guideline maximum is 75%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for 12 years. |
| XXXXXX | 925785 | XXXXXX | NV | (No Data) | ATR/QM: Exempt | 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 711<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for over 8 years. |
| XXXXXX | 925792 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | 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>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| XXXXXX | 925791 | XXXXXX | NH | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 694; guideline minimum is 680.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The Borrower has had 0x30 on the current Mortgage History for more than 12 months.<br>CFCFS2860: Good credit history<br> - Clayton Comments: The Borrower has had 0x30 for more than 24 months on the consumer credit history. |
| XXXXXX | 925787 | XXXXXX | NH | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Provide the Articles of Organization showing the members that have 25% or more of the business. | 7.7.2022-Clients response: July 6th 2022, 10:28:47 amPlease see attached Articles of Organization and Operating Agreement. Please clear this exception. 7.7.2022-Clayton's response: Upon further review the Certificate of Formation for the borrower's business 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 2 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 694<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current |
| XXXXXX | 925795 | XXXXXX | TX | 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 $440 due to (Appraisal Fee and Doc Prep Fee) increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 5/13/2022 - AGREE WITH FINDING: There does not appear to have been a changed circumstance disclosure sent to the borrower related to the increase in Appraisal Fee from the $685 disclosed on the LE and the $975 disclosed on the CD; same with the Doc Prep Fee which was not disclosed on the LE and was added in the amount of $150 on the CD. Please see attached LOE, PCCD, copy of the check, and proof of delivery.5/16/2022 - Upon further review Lender provided a PCCD, LOX, and refund to the borrower in amount of $240 for tolerance cure for Appraisal Fees and Atty Doc Prep fees that were not properly disclosed. No further documentation needed for this exception. | 5/16/2022 - Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines - $82,996.59<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 703<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guideline requirement - 11.95/25.12 |
| XXXXXX | 925796 | 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 3 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for over 19 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 723 |
| XXXXXX | 931324 | 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 | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Provide a letter from insurance company stating HOI is covering replace cost. | 10.28.2022- Client provided HOI insurance 10.28.2022- Clayton response- provided documentation satisfies exception | 10.28.2022-Exception Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $4,012,900.51. Required reserves 6 months x PITIA $8,770.00 = $52,620.00.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 3 years 3 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 780 above program requirement 640. |
| XXXXXX | 931324 | 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 | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing complete copy of purchase contract. File includes two addendums to contract numbered 4 and 6. Missing contract addendums 1, 2, 3 and 5. Provide for review. | 10.28.2022: Clients response: October 28th 2022, 1:22:01 pmPlease see the attached fully executed purchase contract. Please clear the condition | 10.28.2022-Contract received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $4,012,900.51. Required reserves 6 months x PITIA $8,770.00 = $52,620.00.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 3 years 3 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 780 above program requirement 640. |
| XXXXXX | 931324 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors 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 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 XXX | 12.6.2022 Client responded - Please see the attached pcr post disaster inspection. Please clear the condition12.6.2022 Client sent the Property Condition Report dated XXX verifying no damage due to XXX. Exception satisfied. | 12.6.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $4,012,900.51. Required reserves 6 months x PITIA $8,770.00 = $52,620.00.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 3 years 3 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 780 above program requirement 640. |
| XXXXXX | 925803 | XXXXXX | LA | (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 | Please provide final HUD and/or Final Closing Disclosure | 5.20.2022 Client responded - PLEASE SEE THE ATTACHED FINAL SETTLEMENT STATEMENT. PLEASE CLEAR THE EXCEPTION5.20.2022 Client sent the Purchase HUD dated XXX. This is a Cash out refinance of the subject property and need the HUD for this transaction. Exception remains. 5.23.2022 Client responded - Please see the attached final cd please clear the exception.5.23.2022 Client sent in the Final Closing Disclosure that has not been signed or stamped by attorney or title company as True and Certified. Exception remains.5.25.2022-Clients response: May 24th 2022, 12:18:01 pmPlease see the attached certified copy of the final cd please clear the exception5.25.2022: Clayton's response: The Closing Disclosure that has been submitted does not have an interest rate on it and therefore no monthly principal and interest payment. It is not signed by the borrower. Exception remains.Clients response:May 25th 2022, 11:59:15 amPLEASE SEE THE ATTACHED FINAL SETTLEMENT STATMENT PLEASE CLEAR THE EXCEPTION 5.25.2022-Clayton's response: The HUD1 has been received and is executed by the borrower. It is sufficient to clear the exception. Exception is satisfied. | 5.20.2022 Exception remains.5.23.2022 Exception remains.5.25.2022-Exception remains.5.25.2022-Exception is satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 726<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 69.71% is below guideline requirement of 75% for this program. |
| XXXXXX | 925804 | XXXXXX | GA | (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>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines |
| XXXXXX | 925805 | 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 696.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 17 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV: 54.79Max LTV Allowable per Guideline : 80% |
| XXXXXX | 925811 | 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 761.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived at current residence for 15 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been in line of work for 15 years. |
| XXXXXX | 925812 | XXXXXX | IL | (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 documentation to support the $100,000 payment on the XXX dated 5/19/20222 from the escrow file XXX. | 5.26.2022 Client responded - Please see attached Final Settlement Statement from Esc file XXX. Please clear this condition. 5.26.2022 Client sent in Final XXX showing the payoff of $100,000 to XXX. Exception satisfied | 5.26.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: The Borrower has good credit history 0x30 for more than 24 months.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been XXX with the current Employer for 6 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 692; guideline minimum is 680. |
| XXXXXX | 925812 | XXXXXX | IL | (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 release from XXX for the property located at XXX original balance $XXX; XXX agreed to except $100,000 to satisfy debt; Lender approved. | 5.26.2022 Client responded - Please see attached Prelim removing the liens. Please clear this condition. 5.26.2022 Client sent in the Preliminary Title removing the lien for XXX with a letter from XXX approving the $100,000 payoff to release the lien. Exception satisfied | 5.26.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: The Borrower has good credit history 0x30 for more than 24 months.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been XXX with the current Employer for 6 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 692; guideline minimum is 680. |
| XXXXXX | 925814 | 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 759; guideline minimum is 640.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 24.92%; guideline maximum is 50%. |
| XXXXXX | 925815 | XXXXXX | NV | 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 80.80% is below guideline requirement of 90% for this program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 721<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current |
| XXXXXX | 925816 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL2550 | Missing HUD-1 from sale of property | No | The Final Loan approval is requesting for the Final XXX on XXX verifying that the Loan has been paid in full. The Final XXX located in the final shows the Property as the Borrowers Primary Residence being Purchased and paid off located at XXX. | 6.20.2022-Clients response: June 20th 2022, 12:22:53 pmPlease see attached XXX Response. Please clear this exception.6.20.2022-Claytons response: The property located at XXX was not sold but a rental; the Lease Agreement and the evidence of the deposit received. Exception is satisfied. | 6.20.2022-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for 16 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been in the same profession for 15 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The Borrower has had 030 on the Mortgage for than 12 months. |
| XXXXXX | 925818 | 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 3 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 700 |
| XXXXXX | 926106 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit score is 744.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers has lived at current residence for 11 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit report, Borrower has a positive mortgage payment history. |
| XXXXXX | 925820 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrower credit score is 714; guideline minimum is 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The Borrower has $28,980.63 remaining after meeting the 6 month reserve requirement.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The Borrower has had 0x30 on the current Mortgage Payments for the Subject Property located at XXX since 11/2019. |
| XXXXXX | 925822 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 686.<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 1 derogatory account. |
| XXXXXX | 925823 | 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: Significant time in profession<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>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guidelines requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| XXXXXX | 925826 | 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>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 5 years. |
| XXXXXX | 925834 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Legal Documents | Active D B | CRDLGL4033 | Missing Legal Document(s) | No | Missing exception for lack of minimum tradelines per guidelines: 3 trade lines reporting for = 12 month; or 2 trade lines reporting for = 24 months with activity in the past 12 months. Borrower must have housing history or one of the trades must have $5,000 high credit/limit | 7.21.2022 Client response: Please see attached exception for 12 months ownership history | 7.21.2022 Upon further review, Exception approval provided for Housing ownership. Exception remains, however deemed non material due to trade lines is not a fatal issue, compensating factors on the file are the high fico of 775, length of residency of 14 years and low DTI ratios of 11.33/13.67. | (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>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements |
| XXXXXX | 925834 | XXXXXX | NJ | (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 | Provide a title supplement showing the correct vesting; removing the XXX, XXX and having XXX as the insured. | 7.27.2022: Client's response: July 27th 2022, 2:20:04 pmPlease see attached grant deed showing transfer of ownership to XXX. Please clear the condition | 7.27.2022- Doc meets requirement; 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>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements |
| XXXXXX | 926107 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 666<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence - 7 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines - $68,811.65 |
| XXXXXX | 925838 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | BPO isn't within variance | 7.13.2022 Client responded - Please see the attached guidelines for the appraisal if the CU score < 2.5 or the appraisal review is no more than 10% less than the appraised value, the appraised value will generally be deemed acceptable. Please clear the exception.7.13.2022 Upon further review the BPO value $XXX is within the 10% variance of the Appraised value of $XXX. Exception satisfied. | 7.13.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for almost 2 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 714<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current |
| XXXXXX | 925839 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 722<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines - $61,439.50<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds guidelines - 0 lates |
| XXXXXX | 926109 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 726<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 3 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit report, Borrower has appositive mortgage payment history. |
| XXXXXX | 925843 | 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 12.6 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been in the same profession for 15.7 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 52.63%; guideline maximum is 85%. |
| XXXXXX | 928012 | 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 | CRDLGL100 | Legal document incorrect or incomplete | No | Provide the Loan Guarantor form signed by XXX. Borrower owns 99% of the XXX and therefore a Loan Guarantor form is required. | 9.23.2022-Clients response:September 23rd 2022, 10:51:40 amPlease see the attached Personal Guarantor. Please clear the exception. | 9.23.2022-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 2 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 767<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 72.97% is below guideline requirement of 75% for this program. |
| XXXXXX | 928012 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Property Valuations | Appraisal | Active B | PRVAAPPR233 | Comps or Adjustments Not Appropriate | No | Appraiser to provide 1 additional comparable outside of the complex. | (No Data) | 9.22.2022-Sr. Clayton Underwriter has reviewed the Loan Exception Form approved by upper management for the additional comp; the appraiser was unable to locate an additional comp; the exception remains, however is deemed non-material due to the additional comp not being a fatal issue. Compensating factors are fico 767, LTV 72.97%, and 60 months of reserves. The securitization grate 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 2 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 767<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 72.97% is below guideline requirement of 75% for this program. |
| XXXXXX | 925845 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit score is 749.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of work for 5 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has a good credit score with no derogatory account. |
| XXXXXX | 925846 | 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 791.<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: B2 has been in line of work for 13 years. |
| XXXXXX | 925848 | 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 | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Provide additional statement from XXX Account XXX. Only 1 month asset statement provided, 2 months (60 days)required per guideline. | 6.20.2022-Clients response: June 20th 2022, 12:39:58 pmPlease see the attached bank statement for April covering the assets. Please clear the condition. 6.20.2022-Clayton's response: The XXX bank statement that was provided is dated 5.01.2022; we need the April 2022 statement in order to clear this exception. Exception remains.6.20.2022: Claytons response: The XXX bank statement for account XXX for April 2022 has been received and is sufficient to clear the exception. Exception is satisfied. | 6.20.2022: Exception remains.6.20.2022: Exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence - 19 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 715<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds guidelines - 0 lates |
| XXXXXX | 925848 | 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 | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Only 1 month asset statement provided, 2 months required per guideline. | 6.20.2022-Clients response: June 20th 2022, 12:46:15 pmPlease see the attached 1 month bank statement. Please clear the condition6.20.2022-Clayton's response: The XXX bank statement for account XXX is for May 1-May 31, 2022. Please provide the April 2022 statement. Exception remains.6.20.2022-Clayton's response: The XXX bank statement for account XXX for April 2022 has been received and is sufficient to clear the exception. Exception is satisfied. | 6.20.2022-Exception remains.6.20.2022-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence - 19 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 715<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds guidelines - 0 lates |
| XXXXXX | 925848 | 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 | CRDINC3204 | Income Documentation Missing | No | Need all listed docs for rental income use.Fully executed lease (must be non-arms length)Copy of cancelled check (or other proof of receipt) for the first monthsrent and security deposit80% of the rental amount will be used less the PITIA payment | 6.20.2022-Clients response:June 20th 2022, 1:29:04 pmPlease see the attached rental lease agreements. Please clear the exception. 6.20.2022-Clayton's response: The Lease Agreement has been received along with the money orders for the first month's rent and security deposit. Exception is satisfied. | 6.20.2022-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence - 19 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 715<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds guidelines - 0 lates |
| XXXXXX | 925848 | 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 | Insurance | Satisfied D A | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No | Quote provided, need active policy documentation. | 6.20.2022: Clients response: June 20th 2022, 12:17:12 pmPlease see the attached active Hazard policy. Please clear the condition. 6.20.2022: Clayton's response: The Homeowners insurance has been received and is sufficient to clear the condition. Exception is satisfied. | 6.20.2022-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence - 19 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 715<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds guidelines - 0 lates |
| XXXXXX | 925848 | 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 | CRDLGL137 | Missing copy of 2nd lien Note (subject is 1st lien) | No | Provide a copy of the 2nd lien Heloc Note with the full terms of the Heloc | 6.21.2022 Client responded - Please see the attached 2nd note. Please clear the condition. 6.21.2022 Client sent a copy of the Home Equity Line of Credit Agreement and the TIL Disclosure verifying there is a lien on the subject property. Exception Satisfied. | 6.21.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence - 19 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 715<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds guidelines - 0 lates |
| XXXXXX | 925848 | 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 | CRDLGL140 | Missing subordination agreement for existing junior lien | No | Provide Subordination Agreement for 2nd lien providing evidence of approval and terms per the Lender's Loan approval. | 6.21.2022 Please see the attached 2nd heloc note highlighted in yellow showing this lien is in 2nd position. Please clear the exception. 6.21.2022 Client sent a copy of the Home Equity Line of Credit Agreement and the TIL Disclosure verifying there is a lien on the subject property. Exception Satisfied. | 6.21.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence - 19 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 715<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds guidelines - 0 lates |
| XXXXXX | 925849 | 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 at the current residence for 14.10 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The has been in the same profession since 01/2000.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guideline maximum is 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 667; guideline minimum is 660. |
| XXXXXX | 925852 | XXXXXX | MA | (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 6.11 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrower credit score is 729; guideline minimum is 680.<br>CFCFS2860: Good credit history<br> - Clayton Comments: The Borrower has had 0x30 for more than 24 months. |
| XXXXXX | 925854 | 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 | The Will Not Have an Escrow Account in the CD Loan Disclosures section for the Final CD dated 06/06/2022 is selected and neither of You declined it and/or Your lender does not offer one are selected.Please provide a copy of the Escrow account page with a selected option. | Client response 6/20/2022: Please see the attached updated CD closing date of XXX and issue date of XXX showing the boxes have been checked correctly. Please clear the condition.Clayton response 6/20/2022: Client provided PCCD dated 6/14/2022 with a checked box that states that the lender declined an escrow account. Exception is satisfied. | Clayton conclusion: Exception is satisfied. | Non-Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 755.<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: 70%Max LTV allowable per guideline : 80% |
| XXXXXX | 925855 | 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 | Income/Employment | Satisfied D A | CRDINC2302 | Missing Required Income Documentation | No | Provide Operating Agreement and Articles of Organization. Missing proof of borrowers percentage of ownership in XXX as well as income worksheet along with all bank statements to support monthly income used of $4262 per approval. Lender income worksheets are listed in XXX for XXX XXX and XXX XXX. Missing bank statements for XXX #XXX to support co-borrowers income for November, October, September, July and June | 6.27.2022-Client's response: June 27th 2022, 1:22:18 pmPlease see the attached borrowers business license as well as proof of bank statements and income worksheet. Please clear the exception. 6.27.2022-The borrowers business license and the additional bank statements that support the monthly income of $4262. The documents are sufficient to clear the exception. Exception is satisfied. | 6.27.2022-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co borrower has significant time at current job<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guideline requirement<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history |
| XXXXXX | 925857 | 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 11 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is below guideline requirements of 75% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current |
| XXXXXX | 925858 | XXXXXX | NV | (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 | The insurance went into effective date XXX and the loan disbursed on XXX. Please provide a homeowners declaration that was effective on the day the loan disbursed. | 6.7.2022 Client responded - Please see attached Updated Hazard Insurance with an effective date of 5/27/2022. The was in the file. Please clear this exception. 6.7.2022 Client sent the EOI showing the effective date as 5/27/2022 through 5/27/2023. Exception satisfied. | 6.7.2022 Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 681.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 7 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit Report, Borrower has a positive mortgage payment history. |
| XXXXXX | 925860 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 746.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Representing Credit Score is 3 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has good Credit History with no derogatory account. |
| XXXXXX | 925862 | XXXXXX | TX | (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 2 full months bank statements for XXX, XXX, XXX and XXX accounts provided with only 1 bank statement | 7.6.2022 Client responded - 2 months consecutive statements for asset verification is not required for this loan program.XXX Guidelines dated 6/1/2022, page 132, states Funds to close must be sourced andseasoned for 10 days on the XXX Loan Program.7.6.2022 Upon further review funds to close on the XXX Loan Program are only required to be sourced and seasoned for 10 days (2/1/2022) guidelines as well as 6/1/2022 guidelines. Exception satisfied. | 7.6.2022 Exception 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>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history |
| XXXXXX | 925863 | XXXXXX | ID | (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 2 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 749 |
| XXXXXX | 926112 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 765<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guideline requirement - DTI 22.71 / 27.8208<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements - 76.50 |
| XXXXXX | 925867 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | 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 |
| XXXXXX | 925870 | 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 - $298,132.92<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements - 68.48<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 802 |
| XXXXXX | 925872 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 674.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 17 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. |
| XXXXXX | 926096 | 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 home for 14 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been XXX in the same profession for 25 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 55.82%; guideline maximum is 75%. |
| XXXXXX | 925875 | XXXXXX | IL | 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 is 81.60%; guideline maximum is 85%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been employed with the current employer for 10 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 21.85%; guideline maximum is 50%. |
| XXXXXX | 925877 | 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 $250 due to (Appraisal- 1 Family (2)) increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 7/13/2022 - Client response: Please find attached LE dated 5/20/22 incorporating the Appraisal Reinspection Fee of $250 pursuant to a COC dated 5/20/22. Please clear the exception 7/14/2022 - Clayton response: Client provided COC showing $250 Appraisal reinspection fee on LE dated 5/20/2022. Documentation satisfies the exception. | 7/14/2022 - Exception satisfied, Upon further review of documents provided by the client. | (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 for over 10 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 758 |
| XXXXXX | 925877 | 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 | Credit | Assets | Satisfied C A | CRDAST115 | Cash reserves do not meet guidelines | No | Provide additional reserves in the amount of $12,850.28. The Loan Exception allowed the payment shock of 357% with an additional 6 months in reserves. 12 x $6045.69=$72,548.28. After closing borrower has $59,698 in reserves. | 7.7.2022-Clients response: July 6th 2022, 12:12:20 pmPlease see the attached additional proof of reserves. Please clear the exception. 7.7.2022-Clayton's response: Upon further review the XXX statement provided; these funds have already been added to our system. File is still short on reserves by $12,850.28-please provide a bank statement that has not already been used in the current assets. Exception remains.7.7.2022-Clients response: considered in the transaction. Exception remains.7.12.2022: Clients response: July 11th 2022, 4:24:55 pmPlease see the additional bank statement for reserves. Please clear the exception. July 7th 2022, 12:48:09 pmPlease see the additional bank statement for reserves. Please clear the exception. 7.8.2022-Clayton's response: Upon further review of the XXX statement dated 5.23.2022; this is the same statement that was received on 7.7.2022. These assets have been taken into consideration; the loan exception required an additional 6 months of assets. Please provide the additional assets that have not already been included.7.12.2022-Client's response:Please see the additional bank statement for reserves. Please clear the exception. 7.12.2022-Clayton's response: Upon further review the XXX account #XXX has been included in the assets and the 12 months of reserves has been met. Exception is satisfied. | 7.7.2022-Exception remains.7.8.2022--Exception remains.7.12.2022-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 20 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 758 |
| XXXXXX | 926019 | 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 5 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been employed with the current employer for 17 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 745; guideline minimum is 700. |
| XXXXXX | 925880 | 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 |
| XXXXXX | 925883 | 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%; maximum LTV is 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers Credit score is 684; guideline minimum is 600.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The Borrower has been employed with the current employer for 23 years. |
| XXXXXX | 926114 | XXXXXX | AZ | (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 Declaration showing XXX as loss payee. | 6.10.2022 Client responded - Please see attached Hazard Insurance showing XXX which was in the file. Please clear this exception. 6.10.2022 Client sent in copy of the Hazard Insurance Declaration showing XXX as loss payee. Exception satisfied | 6.10.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 739.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 2 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV : 16.28LTV Allowable per Guideline: 75% |
| XXXXXX | 926115 | XXXXXX | OK | (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 17 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 737.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV: 76.31Max LTV Allowable per Guideline: 80%<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit Report, Borrower has a positive mortgage payment history. |
| XXXXXX | 925885 | 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 - $268,720.85<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements - 51.97<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 794 |
| XXXXXX | 926053 | 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 is 758.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of work for 13 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 5 years. |
| XXXXXX | 927725 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR2300 | Missing Second Appraisal required per guidelines | No | Missing all pages of second appraisal and they are over lapping pages so it is missing information. | 8.18.2022-Clients response: August 18th 2022, 1:04:05 pmPlease see the attached full complete second appraisal. Please clear the condition8.19.2022 Please see the attached full complete second appraisal. Please clear the condition.8.22.2022 Client responded - Please see the attached appraisal signed by XXX please clear the exception. | 8.19.2022 Client sent the Appraisal completed by XXX on 5/19/2022. 2nd appraisal completed by XXX on 5/19/2022 is the appraisal that is over lapping and incomplete, missing information. Provide the complete appraisial from XXX. Exception remains.8.22.2022 Client sent the appraisal completed by XXX dated 5/19/2022. This is the 2nd appraisal. 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>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<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 reserves exceed guidelines |
| XXXXXX | 925889 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 738.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 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>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit Report, Borrower has a positive mortgage payment history. |
| XXXXXX | 925890 | 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 33.33% is below guideline requirement of 65% for this program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has over 1M in reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 787 |
| XXXXXX | 927882 | 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: Borrower has been at current residence for over 4 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for over 2 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60% is below guideline requirement of 70% for this program |
| XXXXXX | 926054 | XXXXXX | CO | 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 business license for XXX, and a letter from a CPA or Accountant verifying the percentage of the business owned by the borrower. | 7.22.2022-Clients response: July 22nd 2022, 11:06:39 amPlease see attached Business License - Evidence of XXX. Please clear this exception7.22.2022-Clayton's response: Upon further review the business license for XXX has been received and is sufficient to satisfy the exception. Exception is satisfied. | 7.22.2022-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for 2 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been employed in the same profession for 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 53.68%; guideline maximum is 80%. |
| XXXXXX | 925899 | XXXXXX | CT | (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 a homeowners declaration page showing the effective date of 6.29.2022 current page has effective date of 6.30.2022. Loan disbursed on XXX. | 7.13.2022-Clients response: July 13th 2022, 12:33:15 pmPlease see attached policy with effective date of 6/28, please clear the condition. 7.13.2022-Clayton's response: Upon further review the HOI Declaration page has been received and has an effective date of 6.28.2022 and is sufficient to clear the exception. Exception is satisfied. | 7.13.2022: Exception is satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 767.<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: 76.50Max LTV Allowable Per Guideline: 80%<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit Report, Borrower has a positive mortgage payment history. |
| XXXXXX | 925900 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH123 | No evidence of required debt payoff | No | Missing Payoff Demand statement from for the Subject Property with XXX for $XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in same residence for over 2 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 66.30% is below guideline requirement of 70% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current. |
| XXXXXX | 925900 | XXXXXX | CA | (No Data) | ATR/QM: Exempt 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 12 months Verification of Mortgage for subject property required per Loan approval and guidelines. | 7.18.2022 Client responded - Please see the attached VOM 12 months Verification of Mortgage for subject property. Please clear the condition. 7.18.2022 Upon on further review the client sent in a 12 month Verification of Mortgage for the subject property. Exception satisfied. | 7.18.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in same residence for over 2 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 66.30% is below guideline requirement of 70% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current. |
| XXXXXX | 926116 | XXXXXX | NM | (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 is missing required $50,000 minimum equity.Loan Exception is in the file for less than $50k in equity, however it is not approved. | (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 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<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| XXXXXX | 926056 | 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: Borrower has been at current residence for over 5 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for over 12 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current |
| XXXXXX | 925905 | XXXXXX | PA | 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 | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Loan program requires 6 months of reserves. The PITI is 2,941.59 x 6=17,649.54. After closing the remaining assets are $15,264.22. Please provide additional assets in the amount of $2,385.32. | 6.20.2022-Clients response:June 20th 2022, 1:37:21 pmThe PITI on file is 3,342.87 x 6= 20,057.22. Account #XXX has an ending balance of 30,122.63. Account #XXX has an ending balance of 17,437.27. There is also a gift letter for 10,000 also on file. This amount covers the total amount needed for assets. Please clear the condition.6.20.2022-Clayton's response: Please provide evidence of gift funds deposited into one of borrowers account. We have the gift letter but we do not have evidence of the funds transferred. Exception remains.6.21.2022 Client responded - Please see attached check receipt and account statement showing the 10k in gift funds was deposited and cleared. Please clear condition. 6.21.2022 Client sent a copy of the Official Check with Receipt and statement from account #XXX XXX verifying the $10,000. Exception satisfied. | 6.20.2022-Exception remains.6.21.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 713.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has lived at current Residence for 15 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 10 years. |
| XXXXXX | 925907 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Provide a correction to the Borrowers Primary residence address in the REO section of the 1003; indicates XXX; the correct address is XXX. | 7.6.2022-Clients response: July 5th 2022, 1:53:18 pmPlease see the attached corrected 1003 showing correct address of XXX. Please clear the exception. 7.6.2022-Clayton's response: Upon further review the updated 1003 showing the correct address is XXX and is sufficient to clear the exception. Exception is satisfied. | 7.6.2022-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for 12 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 754; 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. |
| XXXXXX | 925909 | 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 10 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit core is 667; guideline minimum is 660. |
| XXXXXX | 926117 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements - 62.52<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 667<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds guidelines - 0 lates |
| XXXXXX | 925911 | XXXXXX | FL | 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 | 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 an APR of 6.2385% while the Final CD has an APR of 6.582% which is a difference of 0.3435%. This exceeds the .125% change tolerance, there is no change of circumstance in file for this change. | 7/13/2022 - Client response: Initial CD dated 6/10/22 (attached) shows an APR of 6.601% while final CD dated 6/23/22 (attached) shows an APR of 6.582%. There was no increase in APR; instead there was a decrease of .019%, which does not require a rediscloure and new waiting period for consummation.7/14/2022 - Clayton response: Decrease of .019 between Initial CD and Final CD, no need for re-disclosure. | 7/14/2022 - Clayton Conclusion : Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guideline requirement - 21.56 / 37.98<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 803<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines - $125,015.48 |
| XXXXXX | 925911 | XXXXXX | FL | 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 | CRDINC2408 | Income verification does not meet guidelines | No | \*Rental Income of $1582/mth used for approval Borrower to provide 12 months cancelled checks to evidence timely rentpayments for the Primary Residence located at XXX. File contains Letter of explanation for Rent Free until now. | 7.6.2022 Client responded - Borrower has no housing history. Living with brother rent free since 2013, per LOE from borrower's brother. Borrower has several accounts on credit report reflecting over $5k H/C, using that in lieu of primary housing7.6.2022 Upon further review borrower has lived rent free with his brother since 2013 per the LOE in the file. Lender approval states "If no primary, please provide lease agreement and LOE from owner of subject to reflect how long Borrowers' have lived rent free." Per the 1003 borrower has lived at XXX for 7 years and 5 months with no primary housing expense. The exception refers to the Rental Income of $1582.00 per month that was used along with the employment income for $12,582.00 per month. In order to use the income of $1582 per month, please provide a lease agreement and cancelled checks to verify income is received. Exception remains. 7.12.2022 Client responded - Please see the attached Rental agreement and cancelled checks to evidence the timely rent payments. Please clear the exception. 7.12.2022 Upon further review client sent the rental agreement dated 8/1/2022 through 8/1/20223 for property located at XXX for $2000 per month (80% $1600) and copies of XXX XXX verifying receipt of rent for $2000 per month. Exception satisfied. | 7.6.2022 Exception remains7.12.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guideline requirement - 21.56 / 37.98<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 803<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines - $125,015.48 |
| XXXXXX | 925913 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR119 | Appraisal documentation does not support occupancy | No | Provide explanation for the property being vacant as transaction is their primary residence. | 7.7.2022-Clients response:July 6th 2022, 12:25:50 pmPlease see the attached appraisal where appraiser states the SUBJECT was occupied by the home ower at the 1004D Inspection. Please clear the exception.7.7.2022-Clayton's response: Upon further review the subject property is occupied by the borrowers and was verified by the appraiser on the final inspection. Exception is satisfied. | 7.7.2022-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 757.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in Current position for 8 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV: 76.88Max LTV allowable per guideline: 85% |
| XXXXXX | 926120 | XXXXXX | TX | (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 a Personal Guaranty for XXX 50% owner of XXX, Company Agreement. Per guidelines, if a member of LLC owns more than 25% that owner is required to sign a Personal Guaranty. File contains only 1 Personal Guaranty signed by XXX, 50% owner of the LLC. | 7.27.2022 Client responded - Please see the attached Articles of Incorporation showing that XXX 100% owns her company. Please clear the condition7.27.2022 Upon further review client set the Articles of Incorporation showing XXX as 100% owner of the company. The original Agreement was amended to XXX as 100% interest in the company XXX. Exception satisfied | 7.27.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence - 10 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 693<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines - $42,867.52 |
| XXXXXX | 928014 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves months $0 based on 65% LTV. Excess reserves $64,612.56.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is below the maximum allowed 75%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DSCR at 1.2304 is above the minimum required DSCR of at least .75 with LTV up to 75%. |
| XXXXXX | 925922 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 786.<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: 68%Max LTV Allowable Per Guideline:75% |
| XXXXXX | 926121 | XXXXXX | NV | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Current Housing information needs to be added to the Final 1003; XXX; 13 years and 11 months. | 7.25.2022 Client responded - Please see attached updated Final 1003. Please clear this exception.7.25.2022 Upon further review client sent in 1003 verifying current housing information XXX borrower lived in 13 years 11 months. Exception satisfied. | 7.25.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 71.22%; guideline maximum is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrower credit score is 750; guideline minimum is 680.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at current residence for 13.11 years. |
| XXXXXX | 926121 | XXXXXX | NV | (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 XXX Bank Account XXX; Current Balance $87,245.89. | 8.5.2022-Client Response-Provided 2 months of XXX statement8.5.2022-Clayton Response- Provided documentation satisfies exception | 8.5.2022-Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 71.22%; guideline maximum is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrower credit score is 750; guideline minimum is 680.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at current residence for 13.11 years. |
| XXXXXX | 926121 | 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 Mortgage History for the Property located at XXX; Mortgage Payment $2981; Lender XXX Mortgage. | 7.25.2022 Client responded - Please see attached Final HUD and 1st Payment Letter for XXX. Please clear this exception.7.25.2022 Upon further review client sent HUD for XXX. showing the disbursement date of XXX with First payment letter due date XXX in the amount of PITIA $2971.74. Exception satisfied | 7.25.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 71.22%; guideline maximum is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrower credit score is 750; guideline minimum is 680.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at current residence for 13.11 years. |
| XXXXXX | 925932 | XXXXXX | CT | (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 or Closing Disclosure that has been signed by the borrower. File is missing page 1 of the HUD 1 and the Closing Disclosure. | 7.5.2022-Clients response: July 1st 2022, 3:55:58 pmPlease see attached HUD-1. Please clear the condition. 7.5.2022-Clayton's response: Upon further review the HUD1 has been received and is sufficient to clear the exception. Exception is satisfied. | 7.6.2022-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements - 75.00<br>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 - 794 |
| XXXXXX | 925934 | 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 with the current 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 729; guideline minimum is 640. |
| XXXXXX | 926045 | 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 | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing PITIA for the Property located at XXX monthly payment in the amount of $2726.30. | 7.25.2022 Client responded - Please see attached Property Detail for XXX Please clear this exception. 7.25.2022 Upon further review client sent in property detail report verifying 1st Mortgage is a private party with a copy of the Note for $XXX. and a copy of the property tax from Tax Collector verifying the taxes have been paid for XXXException satisfied. | 7.25.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been XXX for 5.8 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The LTV is 47.22%; guideline maximum is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 726; guideline minimum is 680. |
| XXXXXX | 926123 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 802.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 4 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV : 65.98Max LTV allowable per Guideline:75% |
| XXXXXX | 925937 | XXXXXX | MD | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Provide a 1003 that shows that the borrower owns the subject property and resides in it. 1003 shows that the borrower currently rents the subject property. Provide an updated 1003. | 7.7.2022-Clients response: July 7th 2022, 1:14:30 pmPlease see the attached 1003 showing owner owns his subject property not rents it. Please clear the condition.7.7.2022-Clayton's response: Upon further review the 1003 has been updated to reflect that the borrower owns his current residence; this is sufficient to clear the exception. Exception is satisfied. | 7.7.2022: Exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 636.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 5 year.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of work for 18 years. |
| XXXXXX | 925942 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 692.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 3 years.<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: 71.43Max LTV Allowable per guideline: 75% |
| XXXXXX | 933440 | XXXXXX | RI | (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 | Borrower has no verifiable housing payment history. | (No Data) | 10-11-2022: Sr. Clayton Underwriter has reviewed the Credit Exception Request approved by upper management allowing loan approval to borrower with no verifiable housing payment history as required 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 LTV 69.36%, 68 months reserves, XXX above 1 at 1.3631%, and residence stability of 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: Borrower has lived at current residence for 10 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 69.36% and maximum allowed is 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $165,644.40; required reserves $2420.83 x 6 = $14,524.98. |
| XXXXXX | 928015 | 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 4 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession over 17 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current |
| XXXXXX | 925945 | 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 renting current residence for almost 2 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Co-borrower has been in the same profession for over 20 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 748 |
| XXXXXX | 926223 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Credit | Title | Satisfied C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Provide updated Title or title Supplement show the borrower as XXX and XXX, husband and wife, as community property with right of survivorship. Title is currently vested in XXX, XXX of the XXX, dated XXX, and any amendments thereto. | 7.20.2022 Client responded - Please see attached final title policy. Please clear the condition7.20.2022 Upon further review client sent Schedule A of Title showing the Borrower as XXX and XXX, Husband and Wife, as community property with right of survivorship. Exception satisfied | 7.20.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 643.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 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. |
| XXXXXX | 926223 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR101 | Appraisal incomplete (missing map, layout, pages, etc) | No | Provide a new copy of the Appraisal. Appraisal in file has been cut off at the top and missing full pages. | 7.19.2022-Clients response: July 18th 2022, 1:45:32 pmPlease see attached appraisal. Please clear the condition. 7.19.2022-Clayton's response: Upon further review the appraisal with all pages has been received and reviewed. It is sufficient to clear the exception. Exception is satisfied. | 7.19.2022-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 643.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 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. |
| XXXXXX | 925951 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrower credit score is 727; guideline minimum is 680.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for 2.4 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The Mortgage payment history has been 0x30 for more than 12 months. |
| XXXXXX | 925952 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Seller CD not found in file, unable to cocomplete the entry.Please provide Seller CD. | 7/5/2022 - Client response: Please see the attached Seller CD. Please clear the exception. 7/5/2022 - Clayton response: Client provided the Seller CD. Exception satisfied. | 7/5/2022 - Conclusion: Exception satisfied. | Not Applicable | Not Applicable | 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 760; guideline minimum is 640.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been in the same profession for 7 years. |
| XXXXXX | 925953 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 676<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines - $337,172.14<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: High potential for increased earnings - Uptick in rental market per comps |
| XXXXXX | 925954 | XXXXXX | OR | 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 25.11 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 52.84%; guideline maximum is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 791; guideline minimum is 640. |
| XXXXXX | 926125 | 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>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<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history |
| XXXXXX | 933441 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: reserves exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is at or below requirement for this program.<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: XXX is 1.0276 |
| XXXXXX | 925958 | XXXXXX | OK | (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 - 784<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines - $137,811.52 |
| XXXXXX | 933442 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Assets | Satisfied C A | CRDAST205 | Insufficient Funds to Close | No | Provide bank statements / assets to cover the funds to close. | 11.9.2022-Clients response: November 8th 2022, 1:19:04 pmPlease see attached assets verifying funds to close | 11.9.2022-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 12 months PITIA remaining after funds to close<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: DSCR value 1.16<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max program LTV 75%, LTV for loan 71% |
| XXXXXX | 933442 | XXXXXX | FL | (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 | There are no income documents in this file.\*\*\*\*\*\*\*PLEASE NOTE; ONCE THE MISSING DOCUMENTS HAVE BEEN REVIEWED, MORE EXCEPTIONS MAY APPLY\*\*\*\*\*\*\*\* | 11.8.2022 Client responded - Please see attached Assets. Please clear this condition | 11.8.2022 Client sent the Bank Statements verifying the money to cover closing cost and short reserves. Reserves are required and short by $360.94. exception remains.11.9.2022-Received XXX account XXX with a balance of $75,698.89. Exception is satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 12 months PITIA remaining after funds to close<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: DSCR value 1.16<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max program LTV 75%, LTV for loan 71% |
| XXXXXX | 933442 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Assets | Satisfied D A | CRDAST2304 | Unverified Assets | No | There are no income documents in this file.\*\*\*\*\*\*\*PLEASE NOTE; ONCE THE MISSING DOCUMENTS HAVE BEEN REVIEWED, MORE EXCEPTIONS MAY APPLY\*\*\*\*\*\*\*\* | 11.8.2022 Client responded - 11/7 This is a NO INCOME DOC, XXX LOAN. Please clear this condition | 11.8.2022 Client sent the Asset documentation to cover closing cost not for income documents. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 12 months PITIA remaining after funds to close<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: DSCR value 1.16<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max program LTV 75%, LTV for loan 71% |
| XXXXXX | 933442 | 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 | CRDLGL100 | Legal document incorrect or incomplete | No | Provide fully executed Personal Guaranty's for XXX and XXX. Both are XXX of XXX. No Personal Guaranty in file.\*\*\*\*\*\*\*PLEASE NOTE; ONCE THE MISSING DOCUMENTS HAVE BEEN REVIEWED, MORE EXCEPTIONS MAY APPLY\*\*\*\*\*\*\*\* | 11.8.2022 Client responded - Please see the attached Personal Guaranty for both bwrs. Please clear the condition | 11.8.2022 Client sent the Personal Guaranty's for both borrowers. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 12 months PITIA remaining after funds to close<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: DSCR value 1.16<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max program LTV 75%, LTV for loan 71% |
| XXXXXX | 933442 | 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 XXX (Final and Estimated) \*\*\*\*\*\*\*PLEASE NOTE; ONCE THE MISSING DOCUMENTS HAVE BEEN REVIEWED, MORE EXCEPTIONS MAY APPLY\*\*\*\*\*\*\*\* | 11.8.2022 Client responded - Please see the attached Final XXX . Please clear the condition | 11.8.2022 Client sent in the Final HUD 1 Settlement Statement. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 12 months PITIA remaining after funds to close<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: DSCR value 1.16<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max program LTV 75%, LTV for loan 71% |
| XXXXXX | 933442 | XXXXXX | FL | (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 | 1. File is missing LLC Documentation for XXX. including Operating Agreement and or Business license. Articles of Organization2. Copies guarantor's passports for B1 and B23. Missing reference letter from foreign bank.4. Missing the executed W-8 XXX IRS form. | 11.8.2022-Clients response:November 8th 2022, 1:26:02 pmPlease see attached Passport, XXX, bank reference11.9.2022 Client response - November 9th 2022, 3:22:41 pmPlease see attached Business Entity documentation (LLC, etc). Please clear condition.11.14.2022-Clients response: November 14th 2022, 12:49:06 pmSee attached W-XXX. Please clear condition | November 9th 2022, 11:25:51 amPassport, Visa and the bank reference have been cleared, provide the executed W-8 (XXX) IRS form. Exception remains11.10.l2022 Client sent the Business Entity documentation, XXX. Still missing the executed W-8 XXX IRS Form. Exception remains.11.14.2022-Document received; exception is satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 12 months PITIA remaining after funds to close<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: DSCR value 1.16<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max program LTV 75%, LTV for loan 71% |
| XXXXXX | 933442 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR1939 | Appraiser License for Incorrect State | No | Missing subject Appraisal. | 11.8.2022 Client responded - Please see the attached appraisal which matches the appraisers license . Please clear the condition | 11.8.2022 Client sent the Appraisal verifying the appraiser is licensed in the XXX where the subject property is located. Appraisal was missing from initial documents. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 12 months PITIA remaining after funds to close<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: DSCR value 1.16<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max program LTV 75%, LTV for loan 71% |
| XXXXXX | 933442 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR100 | Missing Appraisal | No | Provide the appraisal that supports the value. | 11.8.2022 Client responded - Please see the attached appraisal . Please clear the condition | 11.8.2022 - Appraisal exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 12 months PITIA remaining after funds to close<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: DSCR value 1.16<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max program LTV 75%, LTV for loan 71% |
| XXXXXX | 933442 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No | Missing the completion Certificate. Property is new and Appraisal is listed as Subject too. Completion Certificate and 1004D is not in the file. | 11.8.2022-Clients response: November 8th 2022, 12:31:49 pmPlease see attached Completion Report. Please clear this condition | 11.8.2022-Document received; exception is satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 12 months PITIA remaining after funds to close<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: DSCR value 1.16<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max program LTV 75%, LTV for loan 71% |
| XXXXXX | 933442 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Property Valuations | FEMA | Active B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Missing subsequent property inspection after XXX FEMA declaration XXX. Missing Appraisal of subject property. \*\*\*\*\*\*\*PLEASE NOTE; ONCE THE MISSING DOCUMENTS HAVE BEEN REVIEWED, MORE EXCEPTIONS MAY APPLY\*\*\*\*\*\*\*\* | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 12 months PITIA remaining after funds to close<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: DSCR value 1.16<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max program LTV 75%, LTV for loan 71% |
| XXXXXX | 925965 | 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 | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | Provide the Marriage Settlement Agreement that has been signed by all parties. The one in the file is signed only by the borrower. | 7.22.2022 Client responded - Please see attached Marital Settlement Agreement signed by all parties. Please clear this exception. 7.22.2022 Upon further review client sent Marital Settlement Agreement that has been signed by all parties. 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 2 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for over 32 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTV < 20% |
| XXXXXX | 925966 | 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 | CMPTRID3590 | TRID - At least one LE was delivered on or after the date that a CD was delivered | No | Final LE is dated 6/23/2022, Initial CD is dated 6/23/2022 - unsigned. Please confirm the initial CD dated 6/23/2022 was issued to the borrower. Or confirm the 6/24/2022 CD is the initial CD. | 7/11/2022 - Client Response: Please see attached initial CD dated 6/24. The document contains an e-receipt date of 6/24 also, showing this is the actual initial CD. Please clear the condition. 7/11/2022 - Clayton Response: In the original PDF provided by the client there is a CD dated 6/23/2022 on pg 550. client provided 6/24/2022 and said it is the Initial CD. If client insists 6/24/2022 CD is the initial CD they will need to provide an "Attestation letter" sating that the 6/23/2022 CD was not provided to the Borrower. Such letter should begin with We attest: or any version of that.7/12/2022 - Client Response: Please see attached letter of attestation, please clear the condition. 7/12/2022 - Clayton response: Client provided Attestation letter stating that 6/23/2022 CD was never provided to the borrower. Proof provided that 6/24 CD was Initial CD and was E-signed by the borrower on 6/24/2022. Exception satisfied. | 7/11/2022 - Clayton Conclusion: Exception Remains7/12/2022 - Clayton conclusion: Upon further review of document provided by Client. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for 10.4 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has worked in the same profession for 8.6 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 41.56%; guideline maximum is 50%. |
| XXXXXX | 925967 | XXXXXX | UT | 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>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| XXXXXX | 926017 | 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 employed in the same profession for 12 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The LTV is 80%; guideline maximum is 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrower credit score is 763; guideline minimum is 640. |
| XXXXXX | 925969 | XXXXXX | GA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Terms/Guidelines | Active B | CRDTER109 | Cash Out Amount Exceeds Guidelines | No | Guidelines allow over $XXX if the LTV is 65% or less; our LTV is 68.35% with the 2 discount points paid by the borrower. Cash back to the borrower was $XXX please provide an approved loan exception to clear this condition. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Reports, Borrower has a good credit history with no derogatory account.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 661.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 4 years. |
| XXXXXX | 925970 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C B | A | A | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Provide the business license and a letter from the CPA that states the percentage of the business is owned by our borrower. | 7.7.2022-Clients response: July 7th 2022, 1:31:09 pmPlease see the attached Business License and CPA letter showing thE percentage of the borrowers business. Please clear the condition.7.7.2022-Clayton's response: Upon further review the business license and the CPA letter for XXX business have been received and are sufficient to clear the conditions. Exception is satisfied. | 7.7.2022-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 751<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements - 75.00<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession - 16 years |
| XXXXXX | 925970 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C B | A | A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | Provide an additional valuation that supports the appraised value of $XXX file has a BPO that is outside of the 10% tolerance. | 7.7.2022-Clients response: July 7th 2022, 1:58:38 pmPlease see our guidelines for the appraisal . Please clear the exception.7.7.2022-Clayton's response: Upon further review of the PDF file the XXX XXX is not in the file. Please forward it so we can clear the exception. Exception remains.7.8.2022-Clients response: July 7th 2022, 5:20:02 pmPlease see the attached XXX guidelines 7.8.2022-Clayton's response: Upon further review the lender used the BPO value of $XXX rather than the appraised value of $XXX. However we still need an additional valuation to support the BPO value; previous correspondence has indicated that a XXX UDCP was done but it is not in the file. Please provide the UCDP so we may clear this exception. Exception remains.7.12.2022-Clients response: July 11th 2022, 4:38:40 pmPer the guidelines section 15.12 section A the appraisal review is no more then 10% LESS than the appraised value, the appraised value will generally be deemed ACCEPTABLE. also please see bpo Please clear the exception. 7.12.2022-Clayton's response: Upon further review the BPO with a value of $XXX is within 10% of the appraised value of $XXX. Lender used the BPO for the value. Exception is satisfied. | 7.7.2022-Exception remains.7.8.2022-Exception remains.7.12.2022-Exception is satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 751<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements - 75.00<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession - 16 years |
| XXXXXX | 925971 | 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 62.97%; guideline maximum is 80%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been in the same profession for 5.10 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrower credit score is 803; guideline minimum is 660. |
| XXXXXX | 926042 | XXXXXX | CO | 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 XXX and a CPA or Accountant letter stating the percentage of ownership by B1. | 7.25.2022 Client response: Please see attached Business License. Please clear this exception. 7.25.2022 Clayton response: Upon further review of business license and documentation in file reflecting 100% ownership. Exception satisfied. | 7.25.2022 Exception satisfied. | (No Data) | Not Applicable | 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 6 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Been on current job for over 6 years. |
| XXXXXX | 926131 | 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 7 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 74.85% is below guideline requirement of 80% for this program<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current |
| XXXXXX | 926020 | 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 | Documentation | Satisfied C A | CMPDOC101 | Unresolved title issue | No | Provide evidence that the Judgement on title in the amount of XXX | 8.9.2022 Client responded - Please see attached title supplement showing that the judgement has been satisfied, please clear the condition.8.9.2022 Client sent in Title Supplemental removing Judgment of $XXX from the title. Exception satisfied | 8.9.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been XXX in the current Business for 30 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided in the current residence for 16.11 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 713; guideline line minimum is 660. |
| XXXXXX | 927883 | 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 4 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 5 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI < XXX% |
| XXXXXX | 926018 | 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 4 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 728 |
| XXXXXX | 926048 | 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 | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing copy of May 2021 XXX bank statement | 8.2.2022 Client responded - Please see attached copy of may 2021 statement. Please clear the condition. 8.2.2022 Client sent the XXX statement dated 5/31/2021. 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>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 |
| XXXXXX | 926048 | 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 | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Please provide updated Hazard Insurance policy. Hazard Insurance policy in the file has effective date 7/31/2022 through 7/31/2023 and the loan disbursement date is XXX | 8.2.2022 Client responded - Please see attached hazard policy effective through 7/20/22 - 7/31/22. Please clear the condition. 8.2.2022 Client sent EOI with Effective date 7/20/2022 through 7/31/2022. Property has sufficient Hazard insurance. Exception satisfied. | 8.2.2022 Exception satisfied. | Not Applicable | 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>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 |
| XXXXXX | 926048 | 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 | Terms/Guidelines | Active B | CRDTER127 | Payment shock does not meet guidelines | No | Payment shock does not meet guidelines. Note file contains a Loan Exception Request for Maximum payment shock greater than 300% approved by Management. - | (No Data) | 8.15.2022- \*\*\*\* Lender exception approval in file\*\*\*\* SR Clayton UW findings concur with lender, however comp factors added and additional 6 months reserves are present with an 813 credit score. This exception has been down graded to a B as this is a Non fatal material exception. | (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>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 |
| XXXXXX | 926048 | 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 | Title | Satisfied C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Missing updated Title with mortgage amount and XXX as the insured. | 8.2.2022 Client responded - Please see attached title supplement, please clear the condition. 8.2.2022 Clayton did not receive a title supplement for this file. Exception remains.8.3.2022 Client responded - Please see re-uploaded title supplement. Please clear the condition. 8.3.2022 Client sent in the Lender Supplemental Title Report showing XXX Mortgage Corp as proposed insured and the amount of $573,300. Exception satisfied | 8.2.2022 Exception remains.8.3.2022 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>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 |
| XXXXXX | 926136 | 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 - $134,344.15<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 722<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: High potential for increased earnings - Uptick in rental market per comps |
| XXXXXX | 926137 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | LTV/CLTV | Active B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Loan exceeds 70% guideline max for c/o NPRA | 7.29.2022- Sr. Clayton u/w- LTV 76.5%, program max 70%. Lender exception in file for increased LTV c/o. Compensating factors to support higher LTV are Fico score 763, DSCR >1 at 1.3259. Exception remains, deemed non-material due to comps above. Grade B | 7.29.2022-Exception remains | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 763.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 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 3 years. |
| XXXXXX | 926137 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Active B | CRDTER110 | Loan amount exceeds guideline maximum | No | Loan amount exceeds guideline maximum allowing 50K in equityAppraised value $XXXKLoan amount $XXXEquity remaining - $47KDeficit of $3K | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 763.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 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 3 years. |
| XXXXXX | 926237 | XXXXXX | AZ | (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>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines |
| XXXXXX | 926146 | 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 | Provide all pages of the Articles of Incorporation of XXX., only 1 page was received. Need all pages of the document. | 8.4.2022-Client's response: August 3rd 2022, 12:59:48 pmPlease see the attached Articles of Incorporation. Please clear the exception. | 8.4.2022: Document received, exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 31.70% is below guideline requirement of 80% for this program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score is 773 |
| XXXXXX | 928016 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | 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>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 |
| XXXXXX | 926148 | XXXXXX | UT | (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 a title commitment supplement showing XXX as the insured; or provide the final Title Policy. | 7.26.2022 Client responded - Please see attached final title policy. Please clear the condition. 7.26.2022 Upon further review client sent Final Title policy verifying Title vested in XXX as the insured. Exception satisfied. | 7.26.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 710<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 - $16,187.88 |
| XXXXXX | 925989 | 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 VOM for newly opened mortgage with XXX with monthly payment of $1804.14 which appears to be attached to XXX, along with a Lease to offset PITI with monthly rental of $1175 | 7.13.2022 Client responded - Guidelines for XXX loans state ''ratings must be obtained for the subject property and borrower's primary residence.'' Property XXX does not fall under those categories, and loan is not on credit report. No VOM is required for XXX7.13.2022 Upon further review the borrower has 0 x 30 on the subject property and 0 x 30 on the primary residence which falls within guidelines for XXX loan program. A VOM for XXX is not required. Exception satisfied | 7.13.2022 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>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history |
| XXXXXX | 925989 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL2996 | Missing Trust Documents | No | Missing Copy of Trust Agreement | 7.13.2022 Client responded - Please see attached trust agreement. Please clear condition. 7.13.2022 Upon further review the client sent in the Certification of Trust for XXX dated 8.5.2015. Exception satisfied. | 7.13.2022 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>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history |
| XXXXXX | 925989 | 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 to reflect Lender, borrowers and mortgage amount | 7.14.2022-Clients response: July 13th 2022, 5:52:21 pmPlease see attached final title policy. Please clear the condition.7.14.2022-Clayton's response: Upon further review the final Title Policy has been received and has been updated to reflect the correct borrowers, loan amount and the lender. Exception is satisfied. | 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>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history |
| XXXXXX | 926149 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The LTV is 72.29%; guideline maximum is 80%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The has resided at the previous residence for 4.7 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 708; guideline minimum is 660. |
| XXXXXX | 925991 | XXXXXX | MI | 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 the business license and a letter from the CPA/Accountant stating the percentage of the business owned by the borrower. | 7.15.2022-Clients response:July 15th 2022, 2:03:30 pmPlease see attached business license and CPA letter. Please clear the condition7.15.2022-Clayton's response: Upon further review the business license for XXX and the letter from the borrower's accountant Elite Accounting & Tax Services, Inc., have been received and both are sufficient to clear the exception. Exception is satisfied. | 7.15.2022-Exception is 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<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guidelines requirements |
| XXXXXX | 925991 | XXXXXX | MI | 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 copy of January's XXX #XXX bank statement to support deposits and income | 7.15.2022-Clients response: July 15th 2022, 1:55:11 pmPlease see attached January bank statement. Please clear the condition.7.15.2022-Clayton's response: Upon further review the January 2022 bank statement from XXX was received and is sufficient to clear the condition. Exception is satisfied. | 7.15.2022-Exception is 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<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guidelines requirements |
| XXXXXX | 926063 | XXXXXX | OR | 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 | Missing 12 months of rental history per guidelines on has 9 months. | (No Data) | 8.15.2022- \*\*\*\*\*Lender exception approval\*\*\*\* exception cited for 12 months of rental history, SR Clayton UW reviewed and noted borrower having 9 months history and prior to that living rent free. This exception has been downgraded to a B as this exception is a non fatal material exception with several comp factors added. Cash reserves over 2 million exceeding the requirement of 12 months, appraised value came in over 125K of the purchase price, Credit score 693, LTV being 75% | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves exceed guidlines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 81.60% is below guideline requirement of 85% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current |
| XXXXXX | 926023 | XXXXXX | CO | 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 754.<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.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV: 78.66Max LTV Allowable per guideline: 80% |
| XXXXXX | 926151 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements - 18.94<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 786<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history - 0 lates |
| XXXXXX | 926154 | 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 | Provide an updated title showing XXX as borrower. Current title shows property is vested in XXX Trustee of the XXX, created under the XXX dated February 2.2000. Loan did not close in a Trust. | 7.27.2022 Client responded - Please see attached Title Supplement - Borrower as Individual. Please clear this exception7.27.2022 Upon further review client sent a Supplemental Title Report showing XXX as the Borrower. Exception satisfied. | 7.27.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 769.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 17 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV:48.08Max LTV Allowable per Guideline : 75% |
| XXXXXX | 927897 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Borrower has 22 properties which is greater than total investments allowed per guidelines 10 a borrower may own including the subject, whether mortgaged or not. | 9.13.2022 Client responded - New guildelines say : the borrower must own their primary residence. No maximum on number of properties owned. Please clear the condition. 9.13.2022 Per guidelines page 100, When financing an investment property, XXX Mortgage Corp. limits the number of total investment properties a borrower may own including subject to 10, whether mortgaged or not.9.19.2022-Clients response September 19th 2022, 12:46:03 pmPlease see the attached and updated guideline's were given to Clayton. Please clear the exception.Exception remains.9.14.2022 Client responded - Guideline section 13.10 references limitations on ownership of investment properties when financing an investment property for a consumer purpose TRID loan. This is different from an XXX transaction, which is a business purpose non-TRID loan. A business purpose loan is not subject to the same restrictions. Please refer to section 15.3 of the guidelines where the XXX program description clearly states ''The borrower(s) must own their primary residence. No maximum on number of properties owned''. No UW exception is required, please clear exception. Guideline section 13.10 references limitations on ownership of investment properties when financing an investment property for a consumer purpose loan which is subject to TRID requirements. This is different from an XXX transaction, which is a business purpose loan which is NOT subject to TRID requirements. A business purpose loan is not subject to the same restrictions. Please refer to section 15.3 of the guidelines where the XXX program description clearly states ''The borrower(s) must own their primary residence. No maximum on number of properties owned''. No UW exception is required, please clear exception 9.27.2022: September 26th 2022, 4:12:25 pmThe portion of the guidelines dated 8/18/2022 which states ''Maximum 10 loans TO borrower not to exceed a combined $4,000,000 in loan amounts.'' is a reference to the limit on loans that XXX will make TO the borrower. It is not a limitation on the number of financed properties the borrower can have. Please clear exception. | 9.13.2022 Exception remains9.14.2022-Please advise the date of the guidelines referenced; unable to find these in Feb. or June 2022 guides. Exception remains.9.19.2022: The most recent guidelines (8/1/2022) state: The borrower(s) must own their primary residence or document that they are a professional real estate investor. No maximum on number of properties owned. However, the max loans:Maximum 10 loans to borrower not to exceed a combined $4,000,000 in loan amounts. The borrower has 20 mortgaged properties. Exception remains.9.27.2022: Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for over 14 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75% and maximum allowed is 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $187,663.38; required reserves $2041.51 x 6 = $12,249.06. |
| XXXXXX | 927897 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Insurance | Satisfied C A | CRDINSR3028 | Flood Certificate has incorrect or incomplete data | No | Missing master flood insurance for the condo project, see section 12.8 for flood insurance for condo projects. Flood insurance in file is for the condo unit only. | 9.6.2022-Clients response:September 6th 2022, 2:10:49 pmPlease see the attached Master Condo Ins. Please clear the exception | 9.6.2022: Document received; exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for over 14 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75% and maximum allowed is 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $187,663.38; required reserves $2041.51 x 6 = $12,249.06. |
| XXXXXX | 927897 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Title | Satisfied C A | CRDTIL100 | Potential title issue | No | Provide verification that the Notice of Commencement filed 2-8-22 has been cleared and Notice of Termination has been filed. See item #9 on title commitment. | 9.29.2022: Clients respond: September 29th 2022, 11:02:13 amPlease see the attached HOA Affidavit. Please clear the exception. 9.30.2022-Clients response: September 30th 2022, 11:53:45 amPlease see the attached. This property is a Condominium and the Association is the entity that filed the Notice of Commencement. The Affidavit that was signed states that the Association is responsible for all charges incurred for the improvements done and they have sufficient funds to do so. We do not obtain the Termination from the Contractor as the Affidavit we recorded clears the requirement. Please clear the condition9.30.2022-Clients response: September 30th 2022, 1:43:35 pmPlease see the attached recorded HOA affidavit. Please clear the condition. | 9.29.2022: Please provide the lien releases that correspond to title #XXX, book XXX Page , XXX Lien Affidavit and XXX Affidavit stating that all parties who have furnished labor, etc are paid in full. This must be noted pursuant to F.S. 713.132 to be recorded it the public records. If the public records have the affidavits recorded; title should be updated to reflect the affidavits recorded.a. Fees associated and documented by the HOA on the Condo Questionnaire directly tie to this title condition. Page XXX in PDF, question #29. The HOA questionnaire indicates that the work was completed in March 2022 and the bills paid; we need the Notice of Termination that the HOA should have had recorded after the work was completed. Exception remains.9.30.2022: The Affidavit received is not recorded. Please forward the recorded Affidavit so the exception can be satisfied. Exception remains.9.30.2022-The recorded Affidavit has been received and is sufficient to clear this exception. Exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for over 14 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75% and maximum allowed is 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $187,663.38; required reserves $2041.51 x 6 = $12,249.06. |
| XXXXXX | 926066 | 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 | 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. | (No Data) | This exception is informational per Clayton Compliance department and TRID 2.0 revisions. | Numeric | Not Applicable | 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 81.20% is below guideline requirement of 90% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current |
| XXXXXX | 926066 | 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 | Insurance | Satisfied D A | CRDINSR848 | Missing Hazard Insurance | No | Hazard Ins isn't in file | 7.19.2022 Client responded - Please see the attached Hazard Ins. Please clear the exception. 7.19.2022 Upon further review client sent in Association Hazard policy that includes coverage is Wall in Including Betterments and Improvements. Exception satisfied. | 7.19.2022 Exception satisfied. | (No Data) | Not Applicable | 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 81.20% is below guideline requirement of 90% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current |
| XXXXXX | 927898 | XXXXXX | TX | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Property Valuations | Property | Satisfied C A | PRVAPROP177 | Property Issues Indicated | No | Appraisal indicates the property is rural. Per guidelines rural properties are ineligible for this program. Note: All comparables are within 5 miles of the subject property and property is located in PUD. | 8.12.2022 Client responded - Please clear the conditional per Management appraisal was reviewed and it is NOT in a rural area. | 8.12.2022 Clayton Sr UW reviewed the file. Per Clients guidelines : The determination of a rural property will be made based on the review of the appraisal by XXX Mortgage. The property is located in a PUD and all comps are within 5 miles. Property is not considered rural. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements - 69.71<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 702<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history - o lates |
| XXXXXX | 926025 | XXXXXX | TN | 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 7/29/2022: Please see attached - Closing Disclosure issued and acknowledged 7-15-2022. Please clear this exception.Clayton response 7/29/2022: Client provided CD dated 7/15/2022 e-signed 7/15/2022 - the evidence of that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX. Exception is satisfied. | Clayton conclusion: Upon further review exception is satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for over 16 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 809. |
| XXXXXX | 926025 | XXXXXX | TN | 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 | Please provide a verbal verification of employment for the borrower from XXX | 8.4.2022 Client responded - Please see attached Verbal VOE. Please clear this exception.8.4.2022 Client sent in Verbal VOE from XXX verifying XXX Exception satisfied | 8.4.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for over 16 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 809. |
| XXXXXX | 925997 | XXXXXX | TX | 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 | Valid Seller CD not found in file, only Seller CD (06/23/2022) in file has different property address and borrowers. | 7/11/2022 - Client response: Please see the attached seller cd showing the correct buyer name. Please clear the exception. 7/11/2022 - Clayton Response: Client provided Final Settlement statement as proof. Exception asked for a SELLER CD. On pg 2 of the Settlement statement it states that "figures cannot be guaranteed for accuracy". Please provide the actual Seller CD to clear the exception.7/12/2022 - Client response: Please see the attached seller cd showing the correct buyer name. Please clear the exception. 7/12/2022 - Clayton response: Client provided Seller CD dated 6/29/2022. Exception satisfied. | 7/11/2022 - Clayton Conclusion: Need Seller CD, Exception remains.7/12/2022 - Clayton Conclusion: Upon further review of documents provided by Client Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 753.<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 job Position since XXX |
| XXXXXX | 925997 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | A D C | D | A | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Provide the business license and a letter from a CPA or accountant stating the percentage of the business the borrower owns. | 7.8.2022 Client responded - Please see the attached Business License. Please clear the exception.7.8.2022 Upon further review the client sent the Business License/Certificate of Registration for XXX in the name of XXX. Exception satisfied | 7.8.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 753.<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 job Position since XXX |
| XXXXXX | 926156 | XXXXXX | RI | (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 8 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 68.99% is below guideline requirement of 75% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current. |
| XXXXXX | 926026 | 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 D A | CRDAPP130 | Application is incomplete | No | The 1003 for XXX does not have the Citizenship section completed. Provide the final 1003 with this section completed. | 7.25.2022 Client response: Please see attached 1003 for XXX with Citizenship completed. Please clear this exception.7.25.2022 Clayton response: Upon further review The application has been received and is sufficient to clear the exception. Exception Satisfied. | 7.25.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The Co-Borrower has been in the same profession for 6 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 9.65%; Maximum DTI is 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 78.21%; guideline maximum is 90%. |
| XXXXXX | 925998 | 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 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>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is < 30% |
| XXXXXX | 926157 | 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 signed addendum to sales contract reducing sales price to $XXX | 7.22.2022 Client responded - Please see attached Addendum for the purchase price of $XXX. Please clear this exception7.22.2022 Upon further review client sent in Addendum for the Purchase price of $XXX. Exception satisfied. | 7.22.2022 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 exceeds 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<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 |
| XXXXXX | 926067 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 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 |
| XXXXXX | 926159 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Sore is 792.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 9 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has a good credit history with no derogatory account. |
| XXXXXX | 927734 | 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 | Application and approval shows $XXX from XXX. Please provide supporting documents. | 7.19.2022 Client responded - Please see the attached updated approval and corrected 1003 showing that XXX income was never used in the budget. Please clear the condition. 7.19.2022 Upon further review, client sent the updated Lender approval but did not send the corrected 1003 showing XXX income was not used in the budget. Please send the updated 1003. Exception remains. 7.21.2022 Client responded - please see the attached updated 1003 Please clear the condition7.21.2022 Upon further review, client provided an outdated and non-executed 1003.7.22.2022 Client responded - Please see the attached updated 1003 .. Please clear the exception. 7.22.2022 Upon further review client sent an updated 1003 that is executed. Exception satisfied | 7.19.2022 Exception remains.7.21.2022 Exception remains. 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 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 811 |
| XXXXXX | 927734 | 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 C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Provide a title supplement showing the loan amount as $XXX or the final Title Policy showing the correct loan amount of $XXX. | 7.19.2022 Client responded - Please see the attached updated prelim showing the correct loan amount. Please clear the condition. 7.19.2022 Upon further review client sent the Title supplement showing the correct loan amount of $XXX. Exception satisfied. | 7.19.2022 Exception satisfied | (No Data) | Not Applicable | 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 811 |
| XXXXXX | 926091 | XXXXXX | TX | 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>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Significant total monthly debts reduction<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit history exceeds guidelines |
| XXXXXX | 927899 | 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 a supplemental to the title commitment or the final Title Policy removing the XXX dated XXX. Loan was not approved to be closed in the living trust. | 7.28.2022 Client responded - Please see attached grant deed showing interest being granted to XXX from the trust. please clear condition. 7.28.2022 Client sent in Supplemental Title Report dated XXX showing XXX as Borrower and Grant Deed transferring property to XXX, a widow dated XXX. Exception satisfied | 7.28.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceed 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 |
| XXXXXX | 927899 | 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 | Provide a supplement to the title commitment showing the correct loan amount of $XXX | 7,28, 2022 Client responded - Please see attached supplement showing correct loan amount. 7.28.2022 Client sent in Supplemental Title Report showing the correct loan amount of $XXX. Exception Satisfied | 7.28.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceed 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 |
| XXXXXX | 926050 | 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: 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>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 |
| XXXXXX | 926001 | 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<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history |
| XXXXXX | 926002 | 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 2 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: The Borrower has had 0x30 for more than 24 months on the consumer credit history.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; guideline maximum is 80%. |
| XXXXXX | 926027 | 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 showing the proposed borrower as XXX. Current title shows property is vested in XXX, XXX of the XXX XXX | 7.20.2022 Client responded - Please see attached recorded Grant Deed for correct vesting. Please clear this exception. 7.20.2022 Upon further review client sent in the Grant Deed conveying the property from XXX, XXX of the XXX dated XXX to XXX, a single man. Exception satisfied. | 7.20.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been in the same profession for 36 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for 19 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 45%; guideline maximum is 80%. |
| XXXXXX | 926003 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | Credit | Insurance | Satisfied D A | CRDINSR2400 | Missing Flood Certification Document | No | Please add Flood Cert to the file. | 7.14.2022-Clients response:July 13th 2022, 12:52:42 pmProperty is not in a flood zone. Per our guidelines 12.8, ''Flood insurance is required for any property located within any designated by the Federal Emergency Management Agency (FEMA) as a Special Flood Hazard Area (SFHA).'' According to the appraisal page 1, property is not in a flood zone. Flood cert not required.7.14.2022-Clayton's response: Upon further review of 12.8 (a) Flood CertificateDetermination whether a subject property is in a flood zone must be established by a Flood Certificate provided by the Federal Emergency Management Agency (FEMA). The appraisal report should also accurately reflect the flood zone. Exception remains.7.15.2022 Client responded - Please see attached flood cert. Please clear the condition7.15.2022 Upon further review client sent the Flood certificate showing Flood Zone X. Exception satisfied. | 7.14.2022-Exception remains.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 13 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60.17% is below guideline requirement of 70% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current |
| XXXXXX | 926003 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | Property Valuations | Property | Satisfied C A | PRVAPROP2674 | Property Issues Indicated 2 | No | The appraisal dated XXX is subject to the Appraiser reviewing the Condo Questionnaire from prior to close of escrow. Provide a final showing that the appraiser has reviewed and accepted the Condo Questionnaire. | 7.21.2022 Client response: Please see attached updated appraisal. Please clear the condition. 7.21.2022 Upon further review of XXX Resolution and Appraisal provided unit number revised to match the Condo Questionnaire exception satisfied. | 7.21.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 13 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60.17% is below guideline requirement of 70% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current |
| XXXXXX | 926161 | XXXXXX | AZ | (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>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 |
| XXXXXX | 926028 | 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 775.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 14 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of work for 17 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV : 76.50Max LTV allowable per Guideline : 90% |
| XXXXXX | 926163 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines - $225,302.45<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 789<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: High potential for increased earnings - Per comps uptick in rental market |
| XXXXXX | 926090 | 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: Significant time at current residence<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 exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines |
| XXXXXX | 927723 | 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: Borrowers have 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 13 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has been on the same job for over 3 years. |
| XXXXXX | 926165 | 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 10 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: The borrower has had 0x30 for more than 24 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The Borrower has had 0x30 for more than 12 months. |
| XXXXXX | 926166 | XXXXXX | TX | (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 | Homeowners insurance effective date is 7.18.2022; the loan disbursed on XXX please provide an updated declaration page for the insurance showing effective date 7.15.2022. | 7.25.2022 Client response: Please see the attached Homeowners insurance effective date of 7.15.2022; the loan disbursed on XXX Please clear the exception. 7.25.2022 Clayton response: Upon further review of Hazard binder reflecting insurance effective as of 7/15/22, exception is satisfied. | 7.25.2022 Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 770.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit History, 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.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 2 years. |
| XXXXXX | 927873 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has reside at the current residence for 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; guideline maximum is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 784; guideline minimum is 660. |
| XXXXXX | 926169 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | 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>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 |
| XXXXXX | 926049 | 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 in the same profession for 6.3 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The Borrower has been XXX in the current position for 6.3 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers Credit score is 773%; guideline minimum is 700. |
| XXXXXX | 926029 | 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: The Borrower has been XXX for 29 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 701; guideline minimum is 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 38.94%; guideline maximum is 50%. |
| XXXXXX | 926172 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements<br>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 |
| XXXXXX | 926173 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; guideline maximum is 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves are in the amount of $965,183.23.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 761; guideline minimum is 660. |
| XXXXXX | 926174 | 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 | Provide updated Title showing the borrower as XXX with the correct loan amount of $XXX and the correct lender XXX. | 8.4.2022 Client responded - Please see the attached title supplement showing the borrower as XXX with the correct loan amount of $XXX and the correct lender XXX. Please clear the condition. 8.4.2022 Client sent in Title supplement verifying the Borrower as XXX and the loan amount for $XXX. Exception satisfied | 8.4.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds guidelines - O Lates<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 761<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines - $1,037,295.83 |
| XXXXXX | 926175 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing property valuation for $XXX. File contains Appraisal and Desk Review supporting a value of $XXX. Lender value used was $XXX. | 7.29.2022 Client responded - Please see attached loan approval with LTV of 49.61 to reflect appraised value of XXX which is still within compliance. Please clear the condition. 7.29.2022 Client sent in Loan approval using Appraised value of $XXX Exception satisfied | 7.29.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 683.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 6 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV: 49.61Max LTV Allowable per Guideline:75% |
| XXXXXX | 926177 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 695.<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: 64.81Max LTV Allowable per Guideline: 75%<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit report, Borrower has a positive mortgage payment history. |
| XXXXXX | 926178 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing additional month bank statements for accounts, XXX #XXX and XXX. File contains 1 statement for each account. | 8.8.2022 Client responded - Please see attached two months of bank statements for XXX account. Per our guidelines, funds to close only need to be seasoned 10 days. The funds from XXX were used as funds to close, therefore one months of bank statements is enough to meet this requirement. Please clear the condition. 8.8.2022 Client sent in two months statements for XXX. File contained 1 statement forXXX verifying funds to close. Guidelines only require 1 statement for funds to close. Exception satisfied. | 8.8.2022 Exception 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>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: High potential for increased earnings |
| XXXXXX | 926033 | 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 | 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 | Initial CD is missing from file. Please provide Initial CD with Confirmation of Receipt at least 3 days prior to Consummation Date XXX. | 8/2/2022 - Client response - Please see attached CDs issued and acknowledged 7-15, 7-20, 7-26. Please clear this exception | 8/3/2022 - Received Executed CD from Client, reviewed by Clayton SR UW. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements - 37.58<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 761<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession - 25 years |
| XXXXXX | 926033 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Property Valuations | Property | Satisfied C A | PRVAPROP177 | Property Issues Indicated | No | Per the Appraisal the property is Rural. Per the guidelines for XXX, rural properties are ineligible for financing. Note: The comparables are all within 2 miles of the subject property. | 8.4.2022 Client responded - XXX Guidelines dated 6/1/2022, page 90-91state that the determination of a ruralproperty will be made based on the review of the appraisal by XXX.Although the appraiser checked that the location of the property was rural, based on the locationof the subject and the infrastructure around it, XXX determined that the property was notrural. Please see attached email sent from XXX to the UW stating thesubject property is to be considered Suburban.8.4.2022 Per appraisal all comps are within 2 miles of the subject, the property has public water and built up 25-75% with XXX, XXX and XXX all within 6 miles. Per the UW comments XXX considers property as suburban with rural characteristics. Loan is low LTV 45%. Exception satisfied | 8.4.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements - 37.58<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 761<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession - 25 years |
| XXXXXX | 926182 | XXXXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | 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 over 13 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV:68.04Max LTV Allowable per Guideline: 75%<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit Report, Borrower has a positive mortgage payment history. |
| XXXXXX | 926032 | 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: 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>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<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 reserves exceed guidelines |
| XXXXXX | 926186 | XXXXXX | CA | (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 that verifies the percentage of the business that the borrower owns. | 7.26.2022 Client responded - Please see attached Business License verification. Please clear this exception7.26.2022 Upon further review client sent in copy of current Business license for XXX showing the owner as XXX, borrower. Exception satisfied | 7.26.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been XXX in the same profession for 24 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for 3 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; guideline maximum is 80%. |
| XXXXXX | 926224 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | 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>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history |
| XXXXXX | 926188 | XXXXXX | CO | (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 | Provide an approval with a loan amount of $XXX | 7.28.2022-Clients response: July 28th 2022, 11:45:02 amPlease see attached Final Loan Approval with updated loan amount. Please clear this exception. | 7.28.2022-Documents received, exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been XXX with the current employer for 15 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for 3 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 71.05%; guideline maximum is 80%. |
| XXXXXX | 926078 | XXXXXX | NV | 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 at current job for over 15 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 15 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below guideline requirement of 90% for this program. |
| XXXXXX | 926079 | XXXXXX | MD | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP129 | Missing Permanent Resident card req'd by guidelines | No | Provide the passport and XXX that is not expired. The one in the file expired on XXX. | 8.11.2022 Client responded - Please see the attached XXX and XXX letter. Please clear the exception. | 8.11.2022 Client sent in the borrower's passport and form XXX requesting renewed status. Notice of action automatically extends the validity of your XXX for up to 180 days. Excpetion 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 profession for over 7 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 744 |
| XXXXXX | 926192 | XXXXXX | DC | (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 764<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves exceed requirements |
| XXXXXX | 926194 | 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 4 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 66.30% is below guideline requirement of 70% for this program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash back is more than guidelines require for this program. |
| XXXXXX | 926034 | 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 | Income/Employment | Satisfied D A | CRDINC2350 | Missing Stated Income | No | Missing copy of XXX #XXX business bank statement for the month of May 2022 to support income used and deposit of $10,656.44 per Lender's income worksheet | 7.20.2022 Please see the attached XXX #XXX business bank statement for the month of May 2022 to support income used. Please clear the exception.7.20.2022 Upon further review the client sent in the XXX acct#XXX dated May 31, 2022 to support income used. Exception satisfied | 7.20.2022 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 exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| XXXXXX | 926198 | XXXXXX | OR | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 742.<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 17 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV: 54.30Max LTV Allowable per Guideline: 75% |
| XXXXXX | 927902 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; guideline minimum is 64.72.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 733; guideline minimum is 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for 10.1 years. |
| XXXXXX | 927904 | 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 - $372,156.65<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 751<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds guidelines - 0 lates |
| XXXXXX | 926199 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 779<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: 75%Max LTV Allowable per Guideline: 80%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 3 years. |
| XXXXXX | 927797 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/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 exceed 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>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit history exceeds guidelines<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history |
| XXXXXX | 927798 | XXXXXX | CA | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Please provide a letter from a CPA/Accountant that verified the percentage of the business at XXX that the borrower owns. | 8.17.2022-Clients response:August 17th 2022, 11:07:47 amPlease see the attached Business License showing XXX is XXX of XXX XXX. Please clear the exception. | 8.17.2022-Document received, exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 728.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 4 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of work for 7+ years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit report, borrower has a good credit history with no derogatory account. |
| XXXXXX | 927903 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/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 712.<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: 61.05Max LTV Allowable per Guideline: 70% |
| XXXXXX | 926200 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Assets | Active C B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Missing updated bank statements evidencing sufficient reserves, borrower is currently short $1592.98 | 7.22.2022 Client responded - Please see the attached updated bank statement evidencing sufficient reserves. Please clear the exception. 7.22.2022 Upon further review client sent the XXX acct #XXX that was used for the funds to close. Guidelines require 6 months reserves. Reserves total $7898.67 and required reserves are $9491.16. Reserves are short $1592.98. Exception remains. 7.25.2022 Client response: Please see the attached proof of reserves. Please clear the condition 7.25.2022 Upon further review, previously submitted statement received 7/22/2022. Short reserves $1,592.98 7.26.2022 Client responded: Please see the attached proof of reserves. Please clear the condition 7.26.2022 Upon further review funds to close $63,275.18 sourced and seasoned for 10 days. XXX Wire transfer on 7.15.2022 for $63,300.68 covers the funds to close. Borrower is required to have 6 months reserves (PITIA $1581.86 x 6 months = $9491.16) Reserves of $7898.18 per documentation provided is $1592.98 short for reserves. Exception remains.8.2.2022 Client responded - Please see the attached loan exception for the 6 months reserves .. we only have the 5 months. Please clear the exception. 8.2.2022 Upon further review by SR Clayton UW, Clayton deems this non-material due to compensating factors from the Loan exception form approved by management; Strong FICO 748, DSCR >1:1 and Good mortgage history on primary. Borrower per exception has 5 months of reserves available, not 6 months per guideline requirements. the exception remains, however the securitization grade is changed from material to non-material. Lender Exception approved in the file | 7.22.2022 Exception remains.7.25.2022 Exception remains. 7.26.2022 Exception remains.8.2.2022 Exception remains however deemed non material due to non fatal issues. | (No Data) | Not Applicable | 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 |
| XXXXXX | 926201 | 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 23 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 747 |
| XXXXXX | 927868 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 51.77%; guideline maximum is 80%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for 13 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 740; guideline minimum is 660. |
| XXXXXX | 927801 | XXXXXX | NJ | (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 2 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 19 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 737 |
| XXXXXX | 926081 | XXXXXX | IL | 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 13 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 83.01% is below guideline requirement of 90% for this program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 761. |
| XXXXXX | 927781 | XXXXXX | OH | 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: Calculated LTV: 76.13Max LTV Allowable per Guideline: 90%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been in line of work for 12 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has a good Credit history with just 1 derogatory account.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 708. |
| XXXXXX | 928020 | XXXXXX | FL | (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 | Provide a Final HUD and/or Final closing disclosure. File contains a HUD that is not signed or marked True and Certified Copy. | 10.12.2022-Clients response: October 11th 2022, 1:10:48 pmPlease see the final HUD 1 . Please clear the condition | 10.12.2022-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 705 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 82 months of 0x30 consumer history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 108 months of reserves in file. |
| XXXXXX | 928020 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Terms/Guidelines | Active B | CRDTER3262 | Property issues indicated | No | Program requires for $50,000 in equity for subject property. File contains Loan exception approved by management. | (No Data) | 10.1.02022 Clayton Sr. UW additional review. Subject property has less than $50,000 in equity that is required per guidelines. File contains an exception approved by management with Compensating factors of Credit Score 705, 17 years of monthly payments and 0 x 30 mortgage history. The securitization grade has changed from material to non-material. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 705 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 82 months of 0x30 consumer history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 108 months of reserves in file. |
| XXXXXX | 928020 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | FEMA | Active B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Provide post disaster Inspection for subject property FEMA disaster XXX Declaration #XXX, XXX; Note date XXX | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 705 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 82 months of 0x30 consumer history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 108 months of reserves in file. |
| XXXXXX | 926204 | XXXXXX | TX | (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 updated Hazard Insurance policy. Effective dates are 7/31/2022 through 7/31/2023 and disbursement date of loan is XXX | 8.9.2022 Client responded - Please see the attached updated Hazard Insurance policy. Please clear the exception. 8.9.2022 Client sent in updated Hazard Insurance binder with effective dates of 7/28/2022 through 7/28/2023. Exception satisfied. | 8.9.2022 Exception satisfied | Not Applicable | Not Applicable | 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>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 4 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit Report, Borrower has a positive mortgage payment history. |
| XXXXXX | 927709 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 8 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 714. |
| XXXXXX | 926082 | XXXXXX | TX | 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 | Seller CD missing | 7/28/2022 - Client response - Please see attached Seller CD. Please clear this exception. 7/28/2022 - Clayton response - Client provided Seller CD | 7/28/2022 - Exception satisfied | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been in the same profession for 9 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 624; guideline minimum is 620.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for 5.1 years. |
| XXXXXX | 926082 | XXXXXX | TX | 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 | Summaries of Transaction Section, Seller Side is not Completed. Seller CD is required on Purchase to validate any potential fees paid by seller are not borrower related. | 7/28/2022 - Client Response - Please see attached SELLER CD. Please clear this exception. 7/28/2022 - Clayton Response - Client provided Seller CD. | 7/28/2022 - Exception satisfied | Not Applicable | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been in the same profession for 9 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 624; guideline minimum is 620.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for 5.1 years. |
| XXXXXX | 926037 | 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 XXX in the same profession for 6 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 72%; guideline maximum is 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 720; guideline minimum is 640. |
| XXXXXX | 927806 | XXXXXX | MD | (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 | Provide the final Loan Approval that shows Clear to Close or Docs Out. The approval in the file shows approved. Need the last approval completed. | 8.17.2022-Clients response: August 17th 2022, 11:39:50 amPlease see the attached clear to close approval . Please clear the condition. | 8.17.2022-Document received, exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 650; guideline minimum is 640.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for 8 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: The Borrower has had 0x30 for more than 24 months on the credit history. |
| XXXXXX | 926038 | 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 copy of XXX June 2021 bank statement to support deposit and income per income worksheet | 8.1.2022-Client Response- Provided June bank statement8.1.2022-Clayton Response- Provided documentation satisfies exception | 8.1.2022-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>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 |
| XXXXXX | 926038 | 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 | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | Missing copy of security check, one month rental payment deposited into borrowers account for retained residence located at XXX to offset PITI. Missing Proof of total PITI | 8.1.2022-Client Response- Provided proof of deposit, deposit slip, security deposit checks 8.1.2022-Clayton Response- Provided documentation satisfies exception | 8.1.2022-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>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 |
| XXXXXX | 927808 | 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 16 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 796<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 71.40% is below guideline requirement of 75% for this program. |
| XXXXXX | 927743 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Seller CD in not in the file. Unable to complete the entry. Please provide Seller CD. | 8/5/2022 - Client response - Please see the attached seller cd . Please clear the exception. 8/9/2022 - Client Response - The settlement statement for the seller has been provided no cd 8/10/2022 - Client response - Please see the attached and clear the exception. 8/11/2022 - Client response - Please see the attached seller cd. Please clear the exception. | 8/5/2022 - Clayton response - Exception remains, Exception calls for a SELLER CD. Client provided a settlement statement that was not executed. Please provide a Seller CD to clear the exception.8/9/2022 - Clayton response - Exception remains, Per Clayton management exception calls for a SELLER CD. Client provided a settlement statement that was not executed. Please provide a Seller CD to clear the exception.8/10/2022 - Clayton response - Exception remains. This is the THIRD time this exception has been sent. Per Clayton management on a Primary purchase loan A SELLER CD MUST BE ISSUED so fees can be compared to the settlement statement. Do not send back with out a SELLER CD and only a SELLER CD not a settlement statement. This exception will remain until a SELLER CD is sent. 8/11/2022 - Exception Satisfied. Client provided the required Seller CD. | 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>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 |
| XXXXXX | 927743 | XXXXXX | NV | 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 | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Provide a copy of the borrower's Permanent Resident Alien card. Per 1003 XXX is a Permanent Resident Alien. Guidelines require a green card and can prove current residence address(es) for the past two years. | 8.8.2022 Client responded - Please see the attached corrected 1003 XXX is not a resident alien and was checked off in error . Please clear the exception. 8.8.2022 Client sent a 1003 signed stating the borrower is a US citizen and not a permanent resident alien. Exception satisfied. | 8.8.2022 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>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 |
| XXXXXX | 927905 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines - $480,124.69<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 790<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence - 5 years |
| XXXXXX | 927809 | 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 Final HUD 1 Settlement State. HUD1 in file shows estimated. | 8.24.2022 Client responded - Please see the attached Final Hud 1. Please clear the exception. | 8.24.2022 Client sent in the Final HUD 1 Settlement Statement. Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 11 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves $177,323.66; required reserves $2230.36 x 6 = $13,382.16.<br>CFCFS1752: No Verified Compensating Factors<br> - Clayton Comments: Unable to determine another compensating factor; |
| XXXXXX | 926211 | 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 a supplement to the title commitment showing XXX as the proposed lender. This can also be satisfied with the final Title Policy. | 7.28.2022 Client response: Please see attached title commitment. please clear the condition. 7.29.2022-july 28th 2022, 5:04:02 pmPlease see attached final title policy for this file. Please clear the condition. | 7.28.2022-Upon further review of Title Provided, Lender proposed loan amount reflects $XXX. Note amount is $XXX. Provide title supplement reflecting correct proposed loan amount or a Final Title Policy. Exception remains.7.29.2022-Document received, exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines - $275,393.39<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 661<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds guidelines - 0 lates |
| XXXXXX | 926043 | 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 | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Provide the borrowers previous housing expense; including taxes and insurance. Payment shock cannot be calculated without this information. | 8.8.2022 Client responded - Pleas see the attached borrowers previous housing expense; including taxes and insurance. Please clear the condition. 8.8.2022 Client sent Mortgage statement including PITI. Payment shock is within guidelines. Exception satisfied. | 8.8.2022 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 10 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Has been on job for over 22 years. |
| XXXXXX | 926043 | 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 | Loan program requires $50,000 in equity. This file does not have $50,000 in equity and is not eligible under this loan program. | 8.8.2022 Client responded - Please see the attached Loan exception for $50,000 in equity. Please clear the exception.8.8.2022 Clayton Memo - Lenders exception approval provided | 8.8.2022 Upon further review by SR Clayton UW, Clayton deems this non-material due to the compensating factors; 2% fees financed on top, equity would be $39,928.34, 34% DTI, 7 yrs at current primary residence and 10 years in same line of work. Exception remains | (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 10 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Has been on job for over 22 years. |
| XXXXXX | 927865 | XXXXXX | CA | (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>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The Borrower has had 0x30 for more than 12 months on the mortgage history.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: The Borrower has had 0x30 for more than 24 months on the credit history. |
| XXXXXX | 927810 | XXXXXX | MO | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been XXX in the same profession for 33 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The Borrower has had 0x30 for more than 12 months on the Mortgage History.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 715; guideline minimum is 680. |
| XXXXXX | 927811 | XXXXXX | NM | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Provide evidence of 12 months monthly payments to XXX for XXX Mortgage with a balance of $84,401.45. The file contains a 12 month payment History to XXX for the 2nd Lien in the amount of $85,848.18. | 8.30.2022-Clients response:August 29th 2022, 4:48:41 pmPlease see the attached evidence of 12 months monthly payments to XXX for XXX Mortgage with a balance of $84,401.45 | 8.30.2022-Document received; exception satisfied. | (No Data) | Not Applicable | 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 686 with a 75% LTV allowed; the minimum credit score allowed is 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves are in the amount of $37,759.24; Subject PITIA is $1,781.94; 21.18 months in reserves. Guideline requirement is 6 months; Borrower exceeds guidelines by 15.18 months. |
| XXXXXX | 926083 | 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 10 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 5 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI < 40% |
| XXXXXX | 927815 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Credit/Mtg History | Active B | CRDCRMH118 | Mortgage/rental lates exceed guidelines | No | The Mutual Debt Mortgage Verification is not legible; provide a legible copy. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Calculated Effective Amount (Assets Used) $103,685.00; Liquid Assets $103,685.00; Total Cash Required from Borrower $79,484.53; Cash Reserves $24,200.47. The Borrower has 14.94 months of reserves guideline minimum is 6 months.<br>CFCFS2860: Good credit history<br> - Clayton Comments: The Borrower has established credit here in the US and has had 0x30 on the consumer debt for more than 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrower has a Credit score of 663. The Borrower has had established credit since 10/2004. The Borrower is a Foreign National; the credit score being used is 660. |
| XXXXXX | 927815 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Provide completed and signed W-8 (XXX). | 8.26.2022-Clients response:August 26th 2022, 12:02:29 pmPlease see the attached letter from the irs . Please clear the exception. | 8.26.2022-Document received, exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Calculated Effective Amount (Assets Used) $103,685.00; Liquid Assets $103,685.00; Total Cash Required from Borrower $79,484.53; Cash Reserves $24,200.47. The Borrower has 14.94 months of reserves guideline minimum is 6 months.<br>CFCFS2860: Good credit history<br> - Clayton Comments: The Borrower has established credit here in the US and has had 0x30 on the consumer debt for more than 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrower has a Credit score of 663. The Borrower has had established credit since 10/2004. The Borrower is a Foreign National; the credit score being used is 660. |
| XXXXXX | 927816 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 712; guideline minimum is 680.<br>CFCFS2860: Good credit history<br> - Clayton Comments: The Good has had 0x30 credit history for more than 24 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided in the residence for 3 years. |
| XXXXXX | 927907 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 787 exceeds guideline minimum of 600<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets: $89,027.47 or 46.58 months PITI<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 24 months |
| XXXXXX | 926085 | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP129 | Missing Permanent Resident card req'd by guidelines | No | Provide the borrowers Non-Permanent Resident Alien Card. | 8.16.2022 Client responded - Please see the attached Non-Permanent Resident Alien Card. Please clear the exception | 8.16.2022 Client sent in form I-797C reapplying for employments status, which is good for 180 days, and the Employment Authorization Card issued by the US Homeland Security that XXX. Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 2 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 76.50% is below guideline requirement of 85% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open account are current |
| XXXXXX | 926085 | XXXXXX | IL | 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 | CRDLGL100 | Legal document incorrect or incomplete | No | Provide an updated homeowners insurance declaration page with the correct spelling of the borrowers name. | 8.9.2022 Client responded - Please see the attached correct ins showing correct spelling for the borrower. Please clear the exception. 8.9.2022 Clayton did not receive the insurance binder. Exception remains8.11.2022 Client responded - Please see the attached correct ins showing correct spelling for the borrower. Please clear the exception | 8.9.2022 Exception remains - Clayton did not receive the Insurance binder.8.11.2022 Exception satisfied - Client sent in copy of updated Hazard Insurance binder with borrower's correct name. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 2 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 76.50% is below guideline requirement of 85% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open account are current |
| XXXXXX | 926046 | XXXXXX | UT | 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 6 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 20 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 762 |
| XXXXXX | 926229 | XXXXXX | AZ | (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 |
| XXXXXX | 926095 | 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 | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide the business license or Articles or Organization and Operating agreement.for XXX. | 8.11.2022-August 10th 2022, 1:41:02 pmplease see the attached Articles of Organization and sec of state filing . Please clear the exception. | 8.11.2022-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 752.<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 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: 75%Max LTV Allowable per Guideline: 90% |
| XXXXXX | 926095 | 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 B | CRDTER127 | Payment shock does not meet guidelines | No | The payment shock on this file is 647.53%. Max payment shock for the loan program is 300%. | (No Data) | Payment shock exceeds 300%. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 752.<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 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: 75%Max LTV Allowable per Guideline: 90% |
| XXXXXX | 927750 | 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 35 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for over 4 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 66.30% is below guideline requirement of 75% for this program. |
| XXXXXX | 927908 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 723.<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 10 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit Report, Borrower has a positive mortgage payment history. |
| XXXXXX | 927711 | XXXXXX | NC | 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 not in file. Please provide Seller CD. | 8/19/2022 Client Response - Please see the attached Seller cd. Please clear the exception.8/19/2022 Clayton response - Client sent requested Seller CD dated 815/2022. Exception satisfied. | 8/19/2022 Clayton conclusion - Client sent requested Seller CD dated 8/15/2022. Exception satisfied. | Not Applicable | 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 693.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 5 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been at line of work for 6 years 10 months. |
| XXXXXX | 927711 | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | A D C | D | A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide letter from CPA verifying expense factor for income. | 8.19.2022 Client responded - Please see the attached documents to show proof expense factor . Please clear the condition. | 8.19.2022 Client sent the Operating Agreement and Articles of Organization verifying XXX | (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 693.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 5 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been at line of work for 6 years 10 months. |
| XXXXXX | 926222 | XXXXXX | CT | (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 | Provide additional assets to cover 6 months of reserves. Total assets required $9,735.66. After closing borrower has $7,519.78 in assets after closing. | 8.9.2022-Clients response: August 9th 2022, 4:03:26 pmPlease see the attached additional assets to cover the 6 months reserves. Please clear the condition. 8.12.2022 Client responded : Please see the attached additional assets to cover the 6 months reserves. Please clear the condition. | 8.9.2022-Sr. Clayton underwriter has reviewed the bank printout and these assets were in the file and have been included in total assets. Exception remains.8.12.2022 Client sent in updated bank statements for borrower XXX | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 666.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV: 76.50Max LTV Allowable per Guideline : 80%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 5 years. |
| XXXXXX | 926221 | XXXXXX | FL | (No Data) | ATR/QM: Exempt 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 | Per guidelines need 12 month housing history. Borrower own investment free and clear and lives with a family member rent free. | (No Data) | 8.15.2022- Sr. Clayton UW reviewed file, Borrower owns investment free and clear and is living rent free with a family member. Down grading exception to a B as this is a non- fatal material exception. Having strong compensating factors of credit score is 760, having reserves exceeding the guideline requirement. | (No Data) | Not Applicable | 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>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| XXXXXX | 926221 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Income/Employment | Satisfied D A | CRDINC2302 | Missing Required Income Documentation | No | Provide the appraisal form 1007/216. Loan program requires these forms to complete the income. | 8.5.2022-Clients response:August 4th 2022, 1:41:50 pmPlease see the attached 1007 . Please clear the condition. | 8.5.2022-Document received, income updated. Exception satisfied. | (No Data) | Not Applicable | 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>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| XXXXXX | 927874 | 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 | Active B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. Please provide T.42 Title Endorsement. | (No Data) | (No Data) | (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>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 |
| XXXXXX | 927874 | 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 | Active B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42 Title Endorsement. Please provide T.42 Title Endorsement. | (No Data) | (No Data) | (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>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 |
| XXXXXX | 927874 | 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 A | CMPTXHE846 | TX Equity - Closed before later of appl/discl + 12 days | No | Please provide 12 day form. The one currently in the file is dated 8/17/2022. | 8/29/2022 - Client response - Please see the attached 12 day form. Please clear the exception.8/31/2022 - Client response #2 - Please see the attached 12 day w/ signature. Please clear the exception. 9/2/2022 - Client Response #3 - Please see pages 22-24 for the 12 day / with the signature. Please clear the condition. | 8/30/2022 - Clayton conclusion - Exception remains. Client provided 12 day that is unsigned. Need signed 12 day notice.8/30/2022 - Clayton conclusion #2 - Exception remains. Client provided 12 day from closing. Need 12 day notice from at least 12 days before closing. Hence the 12 day notice.9/6/2022 - Clayton conclusion #3 - Exception satisfied. Client provided 12 day from 7/12/2022. | (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>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 |
| XXXXXX | 927874 | 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 C A | CRDINC150 | Income docs do not meet guidelines | No | Missing copy of business license to support 48 months of XXX | 8.30.2022-Clients response: August 29th 2022, 4:10:59 pmPlease see the attached Business License to support 48 months XXX. Please clear the exception8.31.2022 Please see the attached Business License to support 48 months of XXX. Please clear the exception. | 8.30.2022-Please provide the business license off of the state's website. Document provided not acceptable. Exception remains.8.31.2022 Client sent Franchise Tax account Status verifying LLC has been in business since XXX and is active in the name of XXX. 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>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 |
| XXXXXX | 927874 | 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 | CRDINC3204 | Income Documentation Missing | No | Missing updated Lender's income worksheet from June 2022 to July 2021 and missing XXX | 8.30.2022-Clients response:August 29th 2022, 4:00:41 pmPlease see the attached Lender's income worksheet from June 2022 to July 2021 and missing XXX . Please clear the exception | 8.30.2022-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>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 |
| XXXXXX | 927874 | 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 | Terms/Guidelines | Satisfied C A | CRDTER3262 | Property issues indicated | No | Under the current guidelines for this loan program the borrower must have $XXX in equity in the subject property. The equity in the file does not meet this guideline. | 8.30.2022-Clients response: August 29th 2022, 5:18:11 pmThe appraised value of XXX minus loan amount $XXX They are over the XXX . Please clear the exception. | 8.30.2022-Document received, exception is 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>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 |
| XXXXXX | 927822 | 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 7.6 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: The Borrowers have had good credit history 0x30 for more than 12 months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: The Borrowers have been 0x30 for more than 12 months on the Primary Mortgage History, |
| XXXXXX | 927866 | XXXXXX | FL | (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 | Provide 5 months of Rental History from the property located at XXX | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: The Borrower has had good credit history 0x30 for more than 24 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 68.49%; guideline maximum is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 661; guideline minimum is 600. |
| XXXXXX | 927866 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Terms/Guidelines | Active B | CRDTER3262 | Property issues indicated | No | Loan program requires that the subject property have $50,000 in equity. The loan does not meet guidelines of the program; current equity is $36,500. | (No Data) | 8.22.2022-Sr.Clayton Underwriter has reviewed the Approved Loan Exception for $50,000 equity in the property, the exception remains, however is deemed non-material due to the equity not being a fatal issue. The compensating factors on the file are a fico of 684, Low loan to value 68.49% and 14 months in reserves. The securitization grade is change from material to non-material. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: The Borrower has had good credit history 0x30 for more than 24 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 68.49%; guideline maximum is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 661; guideline minimum is 600. |
| XXXXXX | 927824 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/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>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 |
| XXXXXX | 927776 | 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 660.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of work for 14 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV: 81.60Max LTV Allowable per guideline: 90% |
| XXXXXX | 927911 | XXXXXX | FL | (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 2 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 44.24% is below guideline requirement of 75% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current |
| XXXXXX | 927827 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance is effective XXX; please provide the declaration page that verified that insurance was effective on the date of loan XXX. | 8.24.2022 Client responded - Please see the attached updated Insurance effective on the date of loan distribution XXX. Please clear the condition. | 8.24.2022 Client sent in the updated Hazard Insurance Declaration showing effective date of XXX. Exception satisfied. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 27 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 68.97% is below guideline requirement of 75% for this program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 709 |
| XXXXXX | 927827 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Terms/Guidelines | Active B | CRDTER3262 | Property issues indicated | No | Loan program requires $50,000 equity in the subject property. The file is short $5,000 in meeting this guidelines. | (No Data) | 8.23.2022-Sr. Clayton underwriter has reviewed the Approval Loan Exception allowing less than $50,000 in equity for the subject property. The exception remans, however, is deemed non-material due to the equity not being a fatal issue. The compensating factors on the file are DSCR calculation of 1.06, high fico 709, good credit/seasoned investor and good Broker, and 69 months of reserves. 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 27 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 68.97% is below guideline requirement of 75% for this program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 709 |
| XXXXXX | 927912 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 99 months of reserves.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum loan to value is 75%; this file is at 65%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at his current residence for 6 years 11 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 784. |
| XXXXXX | 927772 | 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 | CRDAST205 | Insufficient Funds to Close | No | Provide Updated Statements to show funds to close. Provide Evidence EMD of $20,555 and Funds wired to closed in the amount o f $166,850 has cleared. Calculated Liquid Assets $104,702.38; Total Cash Required from Borrower $186,661.75; Cash Reserves ($81,959.37). | 8.16.2022 Client responded - Please see the attached statements to show funds to close and evidence of the EMD Check. Please clear the exception. | 8.16.2022 Client provided 3 Bank statements for XXX providing sufficient funds to close and cover reserves. Client also sent in receipts from the Title/Escrow company verifying EMD of $20,555 wire transfer. Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower 1 has been XXX in the same profession for 12 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The LTV is 76.50%; guideline maximum is 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrower credit score is 662; guideline minimum is 640. |
| XXXXXX | 927772 | 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 | Provide Updated Statements to show funds to close. Provide Evidence EMD of $20,555 and Funds wired to closed in the amount o f $166,850 has cleared. Calculated Liquid Assets $104,702.38; Total Cash Required from Borrower $186,661.75; Cash Reserves ($81,959.37). | 8.16.2022 Client responded - Please see the attached statements to show funds to close and evidence of the EMD Check. Please clear the exception. | 8.16.2022 Client provided 3 Bank statements for XXX providing sufficient funds to close and cover reserves. Client also sent in receipts from the Title/Escrow company verifying EMD of $20,555 wire transfer. Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower 1 has been XXX in the same profession for 12 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The LTV is 76.50%; guideline maximum is 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrower credit score is 662; guideline minimum is 640. |
| XXXXXX | 927772 | 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 | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Provide updated Bank Statements; Short reserves required in the amount of $29,877.54. | 8.16.2022 Client responded - Please see the attached updated bank statements. Please clear the exception. | 8.16.2022 Client provided updated Bank statements for XXX verifying funds for reserves. Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower 1 has been XXX in the same profession for 12 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The LTV is 76.50%; guideline maximum is 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrower credit score is 662; guideline minimum is 640. |
| XXXXXX | 927872 | XXXXXX | OR | (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 executed HUD 1 Settlement Statement. File contains a signed Estimated HUD. | 8.25.2022 Client responded - Please see the attached final hud 1. Please clear the condition. | 8.25.2022 Client sent in Final HUD 1 Settlement Statement. Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been in the same profession for 12 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrowers have resided in the current residence for 3.9 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: The Borrowers have had 0x30 for more than 24 months on the consumer history. |
| XXXXXX | 927832 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 25 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 75% is below guideline requirement of 80% for this program. |
| XXXXXX | 927833 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing Conditional Loan Approval verifying appraised value is $XXX. Loan Approval in file states a Purchase price of $XXX and Appraised Value of $XXX | 8.30.2022-Clients response: August 29th 2022, 1:26:54 pmPlease see the attached 2nd appraisal we used the $XXX which the approval is correct. Please clear the condition. | 8.30.2022: Exception Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves $167,049.11; required reserves $2303.48 x 6 = $13,820.88.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 696 minimum is 640.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgages reporting for over 4 years with no late pays. |
| XXXXXX | 927712 | 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 | The loan program XXX allows for a payment shock up to 300%; this loan has a payment shock of 844.20%. Please address the payment shock outside of the guidelines for this loan program. | (No Data) | Please address the payment shock outside of the guidelines for this loan program. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrower credit score is 703; guideline minimum is 680.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been employed in the same Profession for 34.3 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for 5 years. |
| XXXXXX | 927778 | 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 | Credit/Mtg History | Satisfied D A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Document rental history covering past 24 months for XXX. Via VOR (Property Management) or cancelled rent checks front and back if private party landlord. | 8.22.2022 Client responded - Borrower did not have verifiable rental history, but still qualified based on credit report tradelines, per notes 7/20/22: No rental history but borrower still qualiies based on tradeline requirement met. Please clear the condition. | 8.22.2022 Sr. Clayton UW reviewed the file, borrower has acceptable credit accounts and Mortgage closed in XXX to meet the required guidelines for VOM. Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been in the same profession for 42 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for 2.5 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The LTV is 80% guideline maximum is 85%. |
| XXXXXX | 927837 | XXXXXX | NV | (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 9 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75.75% is below guideline requirement of 80% for this program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 816 |
| XXXXXX | 927915 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/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>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 |
| XXXXXX | 927779 | 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 | Guideline maximum for payment shock is 300%. Max payment shock to be $8325 - Mortgage Payment payment is $8389 difference of $64.00. | (No Data) | 8.19.2022-Sr. Clayton Underwriter has reviewed the Approved Loan Exception for the payment shock 330.07%; outside of guidelines of 300% for this loan program. The exception remains, however, is deemed non-material due to the payment shock of 330.07% not a fatal issue. Compensating factors are high fico 753, 35 months of reserves, and LTV of 84.26%. The Approval Loan Exception did not list any compensating factors. Underwriter added them. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The credit score is 753; guideline minimum is 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The LTV is 84.26%; guideline maximum is 90%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been in the same profession for 18.1 years. |
| XXXXXX | 927840 | XXXXXX | MA | (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 6 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves exceed guideines<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current |
| XXXXXX | 933444 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing two months consecutive statement for XXX translations for asset statements and evidence of exchange rate to verify balance. Only have history for 8/1/22 to 8/18/22 located in file. XXX is not in English and requires translation. | 10.21.2022-Clients response: October 21st 2022, 10:37:07 amPlease see the attached statements for XXX. Please clear the condition | 10.21.2022-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1753: Comp factors not applicable - missing document and/or compliance exception(s)<br> - Clayton Comments: Unable to provide reserves at this time due to not having all assets verified.<br>CFCFS1752: No Verified Compensating Factors<br> - Clayton Comments: Due to borrowers being Foreign Nationals there is not sufficient information to provided for compensating factors.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 10 years at current residence. |
| XXXXXX | 927841 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 66.30%; guideline maximum is 70% cash out with the credit score of 653.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves in the a mount of $107,825.95.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: The Borrower has had 0x30 for more than 24 months. |
| XXXXXX | 928024 | XXXXXX | NM | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 733<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 67.42% is below guideline requirement of 75% for this program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash back from closing exceed guidelines for reserves |
| XXXXXX | 927761 | 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 | 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 an APR of 7.1967%, while the Final CD dated 08/03/2022 has an APR of 7.472%. This is a difference of 0.2753%, which exceeds the .125% tolerance change in APR | 8/17/2022 - Client response - Please see attached Loan Calculations Proof Sheet which confirms the XXX calculations are accurate. Please clear the exception. | 8/18/2022 - Clayton response - Exception satisfied, Client provided Loan calculation proof sheet with APR of 7.472. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 801.<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 6 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV: 70%Max LTV Allowable per Guideline: 90% |
| XXXXXX | 927846 | 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 6 months of reserves $6,622.62 and borrower has $889.19. Provide additional assets to meet this requirement. | 9.9.2022-September 8th 2022, 4:50:34 pmPlease see the attached 6 months of reserves $6,622.62 and borrower has $889.19 assets to meet this requirement9.9.2022-Clients response: September 9th 2022, 12:11:35 pmPlease see the attached to show proof he is 100% the owner . Please clear the exception. | 9.9.2022-Provide documentation that ties the borrower to the owner of the XXX in the name of XXX of XXX Exception remains.9.9.2022-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 669 is above the minimum required 660 for base LTV of 70%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower's credit history with 8 open trade lines and 3 reporting for more than 12 months exceeds requirement of at least 3 trade lines reporting for at least 12 months or 2 trade lines reporting for at least 24 months with activity in past 12 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $889.19 exceeds guidelines of 0 required. |
| XXXXXX | 927846 | 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 XXX through the funding month. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 669 is above the minimum required 660 for base LTV of 70%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower's credit history with 8 open trade lines and 3 reporting for more than 12 months exceeds requirement of at least 3 trade lines reporting for at least 12 months or 2 trade lines reporting for at least 24 months with activity in past 12 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $889.19 exceeds guidelines of 0 required. |
| XXXXXX | 927846 | 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 12 months cancelled checks front and back for private party/non-institutional lenders.Lender provided VOM from XXX who was the property seller at time of purchase. Provide satisfactory evidence of most recent 12 months payments. | 9.8.2022 - Client responded - XXX year old property management company handling large volumes of property management in XXX area. Deemed this as an institutional investor | 9.8.2022 Client sent a Certificate of XXX. which has been in business for 56 years. VOM in file and mortgage was paid off at closing. Lender approval asked for a different company. Mortgage was originated in 2007 per the VOM with 0 x 30 history. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 669 is above the minimum required 660 for base LTV of 70%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower's credit history with 8 open trade lines and 3 reporting for more than 12 months exceeds requirement of at least 3 trade lines reporting for at least 12 months or 2 trade lines reporting for at least 24 months with activity in past 12 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $889.19 exceeds guidelines of 0 required. |
| XXXXXX | 927846 | 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. | 9.1.2022-Clients response-September 1st 2022, 1:09:53 pmPlease see the attached Personal Guaranty for the borrower. Please clear the exception | 9.1.2022-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 669 is above the minimum required 660 for base LTV of 70%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower's credit history with 8 open trade lines and 3 reporting for more than 12 months exceeds requirement of at least 3 trade lines reporting for at least 12 months or 2 trade lines reporting for at least 24 months with activity in past 12 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $889.19 exceeds guidelines of 0 required. |
| XXXXXX | 927846 | 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 3 liens. Provide final title reflecting the subject loan as the only outstanding lien on the property. | 9.9.2022-Clients response: September 8th 2022, 4:56:37 pmPer 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 | 9.9.2022-Dcoument received, exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 669 is above the minimum required 660 for base LTV of 70%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower's credit history with 8 open trade lines and 3 reporting for more than 12 months exceeds requirement of at least 3 trade lines reporting for at least 12 months or 2 trade lines reporting for at least 24 months with activity in past 12 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $889.19 exceeds guidelines of 0 required. |
| XXXXXX | 928025 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 66.30% is below guideline requirement of 80% for this program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 797<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 3 years. |
| XXXXXX | 933663 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | Credit | Insurance | Satisfied D A | CRDINSR865 | Missing proof of flood insurance in File | No | Declarations page missing from file. | 11.11.2022-Clients response: November 10th 2022, 2:39:25 pmPlease see attached Flood Insurance. Please clear condition | 11.11.2022-Flood Insurance 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 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 tradelines are current |
| XXXXXX | 933663 | XXXXXX | NJ | (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 | Provide the HUD 1 that has been executed by the borrower and certified by the title company. | 11.11.2022-Clients response: November 10th 2022, 3:08:07 pmplease see attached Final Settlement Statement. Please clear condition | 11.11.2022-Settlement Statement 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 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 tradelines are current |
| XXXXXX | 933663 | XXXXXX | NJ | (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 | Note is not executed/signed by borrower | 11.11.2022-Clients response: November 10th 2022, 3:13:57 pmPlease see executed Note. Please clear condition | 11.11.2022-Note 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 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 tradelines are current |
| XXXXXX | 933663 | XXXXXX | NJ | (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 | Personal Guaranty isn't in file or signed. | 11.11.2022-Clients response: November 10th 2022, 3:26:02 pmsee attached personal guaranty. Please clear condition | 11.11.2022-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 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 tradelines are current |
| XXXXXX | 933663 | XXXXXX | NJ | (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 | Notary not in file | 11.11.2022-Clients response: November 10th 2022, 3:32:07 pmsee attached executed Deed of Trust. Please clear condition | 11.11.2022-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 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 tradelines are current |
| XXXXXX | 933663 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL869 | Mortgage is not signed | No | Mortgage is not signed by borrower in file | 11.11.2022-Clients response:November 10th 2022, 3:31:46 pmSee attached executed Deed of Trust. Please clear condition | 11.11.2022 Client sent fully executed Mortgage and Riders. 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>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 tradelines are current |
| XXXXXX | 933663 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | Property Valuations | Property | Satisfied C A | PRVAPROP177 | Property Issues Indicated | No | Provide an Appraisal Update with photos. The appraisal is over 120 days off but less than 180 days; guidelines require an Appraisal Update. | 12.20.2022 Client responded - See attached Appraisal Update Report. Please clear exception12.20.2022 Client sent an updated 1004D completion report. Value is supported. Exception satisfied. | 12.20.2022 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>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 tradelines are current |
| XXXXXX | 927783 | 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 proof of full 12 mos. history for 2nd private lien. Evidence of payments reflected on XXX statements only reflects a $2,000.00 transfer on the statement with end date 6/21/22. Full payment due is $2,232.24. Provide evidence the additional $232.24 was paid on time to meet 0x30 mortgage history. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers has 15 years 10 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower 1 has been 17 years 5 months same line of work. Borrower 2 has been 20 years 2 months same line of work.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets of $158,437.65, cash to borrower at closing $129,882.16. No reserves required. |
| XXXXXX | 927783 | 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 | DTI | Satisfied C A | CRDDTI187 | Debt Ratio > 50% | No | Reviewer calculated DTI 54.00% exceeds program maximum 50.00%. Lender calculated DTI 48.73% however Lender used higher income for B1 of $19,322.00 vs. reviewer calculated $17,108.71. Variance is due to exclusion of $35,000.00 deposit from 7/2022 statement. This deposit was a transfer and Lender calculation does not reflect it was deducted. Guidelines allow DTI up to 55% with max 80.00% LTV, $4,000.00 per month disposable and 0x30 mortgage history. Loan meets the LTV and disposable requirement however reviewer unable to determine if the 0x30 mortgage has been met. Missing proof of full payment on private lien 2nd for month of 6/2022. Exception placed for missing documentation. | 9.9.2022-Clients response: September 9th 2022, 12:58:41 pmThe borrower is a XXX and that deposit is a bi-annual deposit for managing a property. Please clear the condition | 9.9.2022-Documents received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers has 15 years 10 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower 1 has been 17 years 5 months same line of work. Borrower 2 has been 20 years 2 months same line of work.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets of $158,437.65, cash to borrower at closing $129,882.16. No reserves required. |
| XXXXXX | 927783 | 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 | Property Valuations | Property | Satisfied C A | PRVAPROP177 | Property Issues Indicated | No | Appraiser comments indicate that Unit A may have health and safety issues due to electrical wiring issues and flooring issues. Appraiser indicates flooring is covered with duck tape due to possible cracked or broken flooring. Please provide 1004D providing evidence the health and safety issues had been repaired as required by guide. | 9.9.2022-Clients response:September 9th 2022, 12:43:34 pmPer XXX - upper mgmt : 8/25/2022 2:37 PM > Appraiser provided cost to cure of deferred maintenance items at $15k, all cosmetic. 10% LTV under max. ok to proceed. Please clear the condition. | 9.9.2022-Document received, appraisal was done "as is", exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers has 15 years 10 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower 1 has been 17 years 5 months same line of work. Borrower 2 has been 20 years 2 months same line of work.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets of $158,437.65, cash to borrower at closing $129,882.16. No reserves required. |
| XXXXXX | 927848 | XXXXXX | CO | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 20 years in the XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 20 years owning XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 713 mid-score per CBR in file. |
| XXXXXX | 927919 | XXXXXX | CT | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Terms/Guidelines | Active B | CRDTER3262 | Property issues indicated | No | The Guideline requires $50K in equity; the property currently has $47,000 in equity. | (No Data) | 9.1.2022-Sr. Clayton Underwriter has reviewed the approved Lender Loan Exception for the guideline of $50,000 of equity in the subject property. The exception remains, however, deemed non-material due to the equity not being a fatal issue. The compensating factors on the file are 713 fico, DSCR calculation 1.0374 and 0 x 30 on their mortgages. The securitization grade has been changed from material to non-material. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The Borrowers Mortgage Payment History has been 0x30 for more than 12 months.<br>CFCFS2860: Good credit history<br> - Clayton Comments: The Borrower has had 0x30 for more than 24 months on the consumer credit history.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 713; guideline minimum is 660 at 75%. |
| XXXXXX | 927849 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 16 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 767 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 99 months of 0x30 consumer credit history. |
| XXXXXX | 927766 | 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: The LTV is 71.40%; with a credit score of 685; guideline maximum is 80%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 32.55%; guideline maximum is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 685; guideline minimum is 640 with the LTV of 80%; the current LTV is 71.40%. |
| XXXXXX | 927852 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers credit score is 765.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan to value is 65%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 207 months in reserves.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has good credit history. |
| XXXXXX | 928029 | XXXXXX | CO | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Letter from CPA/Accountant confirming the percentage of the business the borrower owns. | 9.26.2022-Clients response: September 23rd 2022, 12:57:57 pmPlease see the attached showing ownership of business. Please clear the exception. | 9.26.2022-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 2 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI < 40%<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current |
| XXXXXX | 928029 | XXXXXX | CO | (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 the final HUd1 or Closing Disclosure that has been executed by the borrower. The statement in the file has not been signed by the borrower. | 9.26.2022-Clients response: September 23rd 2022, 12:52:46 pmPlease see the attached final hud 1 . Please clear the exception. | 9.26.2022-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 2 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI < 40%<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current |
| XXXXXX | 927854 | XXXXXX | NV | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing Articles of Corporation and Operating Agreement | 8.25.2022 Client responded - Please see the attached Operating Agreement and EIN. Please clear the exception. | 8.25.2022 Client sent the Articles of Organization, Operating Agreement, and LLC EIN verifying XXX as Sole Member. 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<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| XXXXXX | 927854 | XXXXXX | NV | (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 | Loan amount exceeds the required $50,000 minimum equity guideline | (No Data) | 8.23.2022-Sr. Clayton Underwriter has review the Approval Loan Exception allowing the $50,000 in equity to be less than the guidelines required; file has $41,250 in equity. The exception remains, however, is deemed non-material due to equity not being a fatal issue. The compensating factors for the file are high fico of 776, and 18 months in reserves. The securitization grade is changed from material to non-material. | (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<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| XXXXXX | 927957 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Property Valuations | Property | Satisfied C A | PRVAPROP177 | Property Issues Indicated | No | XXX loan program allows rural property with a max LTV of 65%. The loan does not meet guidelines as the LTV is 85%. | 9.16.2022-Clients response:< XXX : 8/11/2022 11:15 AM > Hello, the above appraisal came in and was marked rural by the appraiser. Property does not display rural characteristics. Under 3 months marketing time; Utilities are public for Electricity, Gas and water; Asphalt street; a couple comparables are half mile away as others just over 2 miles away; sent to management for approval to not designate rural; < XXX : 8/11/2022 12:23 PM > UW COMMENTS: Hello, the above appraisal came in and was marked rural by the appraiser. Property does not display rural characteristics. Under 3 months marketing time; Utilities are public for Electricity, Gas and water; Asphalt street; a couple comparables are half mile away as others just over 2 miles away; Loan approval was issued at 85% LTV on XXX program Primary Purchase; | 9.16.2022- Property has public utilities, the comps are less than 5 miles away, marketing time is under 3 months.. Exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11.8 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 753 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 77 months of 0x30 consumer credit history. |
| XXXXXX | 927856 | XXXXXX | MO | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $107,577.69; required reserves 936.88 x 6 = $5621.28<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 745 and minimum required is 640.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has no late pays on mortgages with over 6 years reporting. |
| XXXXXX | 927857 | XXXXXX | MT | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Property Valuations | FEMA | Active B | PRVAFEMA229 | Natural Disaster Area, Subseq inspect prior to Disaster (Public) | No | Declaration Date: XXX; Effective Date 7/5/2022 Public Severe Storms and Flooding Severe Storms and Flooding 4655. The Appraisal on the Subject Property was performed on 7/1/2022 after the Declaration Date of XXX | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been in the same profession for 5.8 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The Borrower has had 0x30 for more than 12 months on the Mortgage Payment History.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The DTI is 23.10%; guideline maximum is 50%. |
| XXXXXX | 928031 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | 1-Missing gift letter for $150,000 as indicated on 1003 as funds not deposited.2-Missing source of funds for $150,000 deposit into XXX | 9.6.2022-Clients response: September 2nd 2022, 5:30:07 pmplease see the attached bank statement showing the $150, 0000 transfer please clear the exception. | 9.6.2022-Document received, exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in current profession for 22 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 60% and maximum allowed is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 729 and minimum required is 600. |
| XXXXXX | 928031 | 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 | Missing copy of signed or certified HUD1 from closing; document in file is not signed or certified and shows Estimate. | 9.6.2022-Clients responseSeptember 6th 2022, 1:53:37 pmPlease see the attached Final Hud 1. Please clear the exception. | 9.6.2022-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in current profession for 22 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 60% and maximum allowed is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 729 and minimum required is 600. |
| XXXXXX | 927859 | 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 lived at current residence for 18 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $1,034,565.31, no reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 751 and minimum required is 600 |
| XXXXXX | 928005 | 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: The LTV is 65%; guideline maximum is 80% with a 724 credit score.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrower credit score is 724; guideline minimum for 65% is 600.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The DTI is 30.03%; guideline maximum is 50.00%. |
| XXXXXX | 928030 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 10 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 51.20% under program maximum 75.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets $381,960.82. Cash to close $233,567.26. Cash reserves $148,393.56. Reserves 6 months x $2,235.90 = $13,415.40.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 671 above program requirement 600. |
| XXXXXX | 927893 | 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 | Missing Asset Assist worksheet and 6 months bank statements for account using to support income used of $4671. | 9.1.2022-Clients response: August 31st 2022, 1:46:27 pmThere is no worksheet and we are using sale proceeds $XXX(shown in XXX and confirmed by final hud-1 on file) divided by 60. XXX is also the bank account as income. OK to use sale proceeds for asset assist per XXX have reviewed the same documents in the previously cancelled loan XXX. Please clear the exception. | 9.1.2022-Documents 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 |
| XXXXXX | 933605 | XXXXXX | TX | (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 | Borrower does not meet minimum equity requirement of XXX appraised value and $XXX loan amount. | (No Data) | 11-23-2022: Sr. Clayton Underwriter has reviewed the Credit Exception Request approved by upper management allowing loan approval to borrower with less than $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 credit score above minimum at 660 with good credit in past 2 months, and over 6 months reserves verified. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $66,272.30, required reserves $1868.28 x 6 = $11,209.68.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 660 and minimum required is 640<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has no late pays on mortgages with over 6 years reporting. |
| XXXXXX | 928032 | XXXXXX | OH | (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 | Loan only has $43,715 equity position. Needs 50k minimum. Note: There is a loan Exception in the file to cover less than $50k in equity however, it is not signed by management. | 9.14.2022 Client responded - Please see the attached Loan Exception in the file to cover less than $50k in equity. Please clear the condition | 9.14.2022 Client sent in Loan Exception Approved by Management. Clayton Sr. UW additional review. Guideline requires minimum of $50,000 in equity. Equity is $43,725.00with approved exception with compensating factors of good collateral Fico of 762 and 25% down payment. Exception remains, however deemed non material due to not a fatal issue. Exception remains | (No Data) | Not Applicable | 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 762<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 68.04% is below guideline requirement of 80% for this program. |
| XXXXXX | 927756 | 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 510% is greater than 300% allowed per guidelines. Loan exception Request is in file but not marked approved or signed by Management and missing the compensating factors. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been in current job XXX for 28 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $88,197.72; required reserves $6447.01 x 6 = $38,682.06.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 681 and minimum required is 600. |
| XXXXXX | 933446 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 70.00% below program maximum 75.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $41,644.27. No cash required to close. Cash reserves $41,644.27. Required reserves 6 months x PITIA $2,190.92 = $13,145.52.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has minimal use of consumer credit. Credit line usage 18.37%. |
| XXXXXX | 927959 | 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: 23.1 years living at departure residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 15 years in the XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 mid-score per CBR. |
| XXXXXX | 933447 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $33,926.44; required reserves $2377.33 x 6 = $14,263.98<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 711 and minimum required is 640<br>CFCFS1747: Housing expense increase is 10% or less<br> - Clayton Comments: Subject housing expense increase is 1.58%, from $2340.33 to $2377.33. |
| XXXXXX | 927960 | 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 | Under this loan program payment shock may not exceed 300%; payment shock on this file is 420.24%. | (No Data) | 9.7.2022-Sr. Clayton Underwriter has reviewed the Credit Exception Request Form that has been approved for the payment shock exceeding guidelines. The exception remains, however, the payment shock is deemed non-material due to it not being a fatal issue. The compensating factors 12 months in reserves, and low DTI of 16.48%. The securitization grade has been 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 5 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession 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. |
| XXXXXX | 927927 | 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 | Property Valuations | FEMA | Active B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Provide post inspection of property for FEMA disaster declaration #XXX dated XXX for XXX | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 20 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 43.10% is below guideline requirement of 80% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current |
| XXXXXX | 927927 | 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 | Property Valuations | Property | Satisfied C A | PRVAPROP177 | Property Issues Indicated | No | Provide verification that the property from the full appraisal dated XXX for $XXX done by XXX is the same property from the Exterior Only appraisal dated XXX for $XXX done by XXX. Guidelines require for Full Appraisals. The property pictures are clearly not the same house, all addresses on the appraisals are the same. Lender used the value from the Exterior only appraisal. | 10.31.2022-Clients response: October 28th 2022, 6:04:00 pmPlease see the attached full appraisal of the exterior . Please clear the condition11/02/22: Lender provided a copy of the corrected 2055 showing subject property pictures. After review of corrected 2055 along with subject appraisal, lender correctly utilized the lesser value of XXX for qualifying value. Further noted that lender provided copy of XXX guidelines to read the following: All appraisals submitted to XXX are subject to a review. The review may be a CU score, AVM, desk review, field review, an internal or external BPO, second appraisal, or some combination thereof. Based on these guidelines the provided 2055 to support the value of XXX is deemed acceptable as supporting documentation for the qualifying value. | 10.31.2022-Exterior appraisal that was submitted is the same one that was in the initial file. Still need verification of which is the correct property based on two different sets of pictures. Exception remains.11/02/22: Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 20 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 43.10% is below guideline requirement of 80% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current |
| XXXXXX | 928034 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 13 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 58.99% below program maximum 80.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets $1,206,240.64. Cash required to close $164,912.56. No reserves required, LTV < 65.00%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 25 mos. 0x30, 57 mos. 0x30, 45 mos. 0x30, 45 mos. 0x30, 84 mos. 0x30, 25 mos. 0x30 and 25 mos. 0x30. |
| XXXXXX | 927920 | XXXXXX | ID | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 credit score. Min 600.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Over 10 months PITI reserves. 0 required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 36.47% LTV. Max is 80% LTV. |
| XXXXXX | 927929 | XXXXXX | WA | 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 C A | CRDAPP2658 | Missing 3rd-party anti-fraud report | No | Missing third party fraud reports for both B2 and B3. Only fraud report for B1 was located in file. Provide fraud reports for B2/B3 for review. | 9.14.2022 Client responded - Please see the attached fraud reports for B2/B3 . Please clear the exception. | 9.14.2022 Client sent the Fraud reports for B2 and B3. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 773 above program requirement 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets documented $130,280.20. Cash to close $71,696.27. Cash reserves $58,583.93. Reserves 6 months x $2,111.80 = $12,670.80.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower 3 has 23 years at current job. |
| XXXXXX | 927929 | XXXXXX | WA | 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 | Missing fully executed Verbal Verification for B2. Verification is in file however is missing the date the verification was completed. Provide fully executed VVOE for review. | 9.14.2022 Client responded - Please see the attached executed questionnaire for XXX. Please clear the condition. | 9.14.2022 Client sent the XXX Questionnaire for B1. VVOE for B2 was requested. File contains VVOE that is not dated. Requested a fully executed VVOE for B2. Exception remains | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 773 above program requirement 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets documented $130,280.20. Cash to close $71,696.27. Cash reserves $58,583.93. Reserves 6 months x $2,111.80 = $12,670.80.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower 3 has 23 years at current job. |
| XXXXXX | 927929 | XXXXXX | WA | 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 C A | CRDINC150 | Income docs do not meet guidelines | No | Missing fully executed XXX Questionnaire for B1. Questionnaire in file however does not reflect who prepared the document to verify the percent of ownership and details of business. Provide fully executed questionnaire for review. | 9.14.2022 Client responded - Please see the attached executed questionnaire for XXX. Please clear the condition. | 9.14.2022 Client sent the executed XXX Questionnaire verifying B1 XXX. License in file. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 773 above program requirement 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets documented $130,280.20. Cash to close $71,696.27. Cash reserves $58,583.93. Reserves 6 months x $2,111.80 = $12,670.80.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower 3 has 23 years at current job. |
| XXXXXX | 927929 | XXXXXX | WA | 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 | LTV/CLTV | Satisfied C A | CRDLTV3024 | LTV Exceeds Guideline Requirement by less than 5% | No | Qualifying LTV 81.60% exceeds program maximum of 80.00% for second home. | 9.14.2022 Client responded - LTV is 80% with 2 point broker financed. Please see the attached pricing validation. Please clear the exception | 9.14.2022 Client sent the MPO verifying that 2 points were financed which is allowed per guidelines. LTV is 80% with points financed 81.60% allowed. Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 773 above program requirement 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets documented $130,280.20. Cash to close $71,696.27. Cash reserves $58,583.93. Reserves 6 months x $2,111.80 = $12,670.80.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower 3 has 23 years at current job. |
| XXXXXX | 927929 | XXXXXX | WA | 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 | Title | Satisfied D A | CRDTIL796 | Missing Title | No | Missing title commitment. Only a title supplement was located in file. | 9.14.2022 Client responded - Please see the attached title commitment. Please clear the exception. | 9.14.2022 Client sent the Preliminary title. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 773 above program requirement 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets documented $130,280.20. Cash to close $71,696.27. Cash reserves $58,583.93. Reserves 6 months x $2,111.80 = $12,670.80.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower 3 has 23 years at current job. |
| XXXXXX | 928035 | 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 3 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 53.53% is below guideline requirement of 75% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current. |
| XXXXXX | 927933 | XXXXXX | UT | 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: The Borrower has been XXX in the current business for 23 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current home for 10.9 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 81.60%; guideline maximum is 90%; with a credit score of 778. |
| XXXXXX | 927716 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Legal Documents | Active D B | CRDLGL100 | Legal document incorrect or incomplete | No | Loan program requires escrows for taxes and insurance. Monthly taxes are $3410.04, monthly homeowners insurance is $794.91 and monthly flood insurance is $47.33. File contains a Loan Exception Request for waiving escrows due to low LTV of 25% with a .250 added to the interest rate, however, the Loan Exception Request has not been signed by upper management. | 9.6.2022-Clients response:September 6th 2022, 1:47:46 pmper the final CD it appears that the escrows were waived and here are the notes approving them being waived.9.7.2022-Clients response: September 6th 2022, 5:01:53 pmPlease see the attached .. Please clear the exception.9.19.2022- Clients response:September 19th 2022, 1:34:40 pmPlease see the attached loan exception. Please clear the condition. | 9.6.2022: Documents not received, exception remains.9.7.2022-Provide the signed Loan Exception, the document provided is not sufficient to clear the exception. Exception remains.9.19.2022: Sr. Clayton Underwriter has received the Credit Exception Request approved by upper management to waive escrows for taxes and insurance. The exception remains, however, is deemed non-material due to escrows not being a fatal issue. Compensating factors are LTV of 25%, DTI 27.27%, 87 months of monthly mortgage payments with 0 x 30. The securitization grade is changed from material to non-material. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years at subject residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 4.8 years working at the XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 682 mid-score per CBR. |
| XXXXXX | 927718 | 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 | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Final CD dated 08/24/2022 Disbursement Date is XXX. The Expiration Date on the ROR Form is XXX. The Disbursement Date is the same date as the Expiration Date. | 9/14/2022 - Please see the attached PCCD. Please clear the exception. | 9/15/2022 - Clayton conclusion - Exception satisfied. Client provided PCCD showing Disbursement XXX. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 35.71% is below guideline requirement of 80% for this program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 746<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 10 years. |
| XXXXXX | 933378 | XXXXXX | NJ | 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 | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are verified per seller CD there is no material issue. Exception satisfied. | (No Data) | 11.22- Exception Satisfied | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 22 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 15 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 49.43% is below guideline requirement of 80% for this program. |
| XXXXXX | 933378 | XXXXXX | NJ | 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 Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | 11.22- Exception Satisfied | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 22 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 15 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 49.43% is below guideline requirement of 80% for this program. |
| XXXXXX | 933378 | 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 | Assets | Satisfied D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Final Closing Disclosure need for sale of property at XXX. to verify the net proceeds for money due at closing, and payoff due to mortgage debt not used in ratios. | 11.4.20222-Clients response: November 2nd 2022, 6:11:27 pmPlease see the attached seller cd for sale of property at XXX. Please clear the condition | 11.4.2022-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 22 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 15 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 49.43% is below guideline requirement of 80% for this program. |
| XXXXXX | 927932 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 745 exceeds guideline requirement of 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $253,449.82. Reserves required are $10,917.60. Borrower has $242,532.21 in excess reserves.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0 x 30 past 12 months+ on all debt. |
| XXXXXX | 908774 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below guideline requirement of 80% for this program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 708 |
| XXXXXX | 933449 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL2277 | Note Not Executed | No | Note not signed | 11.7.2022 Client responded - Please see attached executed Note. Please clear condition | 11.7.2022 Client sent the 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 15 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 66.30% is below guideline requirement of 80% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current. |
| XXXXXX | 933449 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | HUD is missing from file | 11.7.2022 Client responded - Please see attached Final HUD. Please clear condition | 11.7.2022 Client sent the Final HUD 1 Settlement Statement fully executed. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 15 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 66.30% is below guideline requirement of 80% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current. |
| XXXXXX | 933449 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL806 | Notary Status is missing | No | Notary stamp is missing from the file | 11.7.2022 Client responded - Please see attached Executed Mortgage with Notary page. Please clear this condition | 11.7.2022 Client sent the fully executed Mortgage with Notary page completed. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 15 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 66.30% is below guideline requirement of 80% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current. |
| XXXXXX | 933449 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL869 | Mortgage is not signed | No | Mortgage in file is not signed. | 11.7.2022 Client responded - Please see attached executed Mortgage. Please clear condition | 11.7.2022 Client sent the fully executed Mortgage with all riders and addendums. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 15 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 66.30% is below guideline requirement of 80% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current. |
| XXXXXX | 928042 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Terms/Guidelines | Active B | CRDTER127 | Payment shock does not meet guidelines | No | Payment shock of 360.54% is greater than 300% allowed per guidelines. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 6 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 695 above program requirement 600.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 19 mos. 0x30, 84 mos. 0x30, 22 mos. 0x30, 15 mos. 0x30, 15 mos. 0x30, 16 mos. 0x30 and 16 mos. 0x30. |
| XXXXXX | 927945 | XXXXXX | TX | 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: Total assets verified $663,663.46. Funds required to close $397,739.55. Cash reserves $265,923.91. Required reserves 12 months x PITI $18,270.10=$219,241.20.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrowers have 7 years 1 months in same line of work.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 724 above program requirement 640. |
| XXXXXX | 928043 | XXXXXX | ID | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 784 above program requirement 600.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets $276,237.71. No cash required to close. Cash reserves $276,237.71. Reserves 6 months x $2,838.02 = $17,028.12.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 70.00% below program maximum 75.00%. |
| XXXXXX | 933622 | 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 | Guidelines require a certified copy of the Borrowers final settlement statement.Lender provided unsigned estimated statement with a closing date of XXX and disbursement date of XXX. Provide certified final settlement statement reflecting $XXX due from the borrower. | 12.1.2022 Client responded - see attached Signed Final Settlement Statement. Please clear exception12.1.2022 Client sent the Final HUD Statement. Exception satisfied. | 12.1.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves = $359,941.60. Required reserves 0 months based on LTV. Excess reserves $359,941.60.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 692 exceeds minimum required 640.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 63.86% is below the maximum allowable of 75%. |
| XXXXXX | 928044 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 748<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: cash reserves from cash out of refinance plus money in accounts exceed guidelines for this program. |
| XXXXXX | 928047 | 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 | Require post disaster inspection, Declaration # XXX, XXX, XXX | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 60% and maximum allowed is 80%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 11 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 754 and minimum required is 600 |
| XXXXXX | 928049 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70% and maximum is 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $252,843.79; required reserves $3868.82 x 6 = $23,212.92.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 744 and minimum required is 600 |
| XXXXXX | 928048 | XXXXXX | IN | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 27 mos. 0x30, 33 mos. 0x30 and 32 mos. 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying CLTV 66.30% below program maximum 75.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $141,347.20. Required reserves 6 months x PITIA $1,432.96 = $8,597.76. |
| XXXXXX | 927770 | 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 | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Need proof initial CD 8/26/2022 was received by borrower 3 days before consummation date of XXX. | 9/14/2022 - Client response - Please see the attached initial CD 8/26/2022 was received by borrower 3 days before consummation date of XXX. Please clear the exception. | 9/15/2022 - Clayton conclusion - Exception satisfied. Client provided PCCD with correct disbursement date. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $240,250.11 with liquid assets of $167,970.86. Cash to close $152,909.10. Cash reserves $87,341.01. Reserves 6 months x $4,980.39 = $29,882.34.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower 1 has 7 years 6 months at current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower 2 has 13 years 10 months at current job. |
| XXXXXX | 927770 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Credit | LTV/CLTV | Satisfied C A | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Qualifying LTV 80.00% exceeds program maximum 75.00%. Representative credit score 633 limits LTV to 75.00%. | 9.16.2022 Client sent a copy of new guidelines stating the Broker's credit score is allowed. Using the Broker's Credit report dated 8/2/2022 the representative score is 640 with an LTV of 80% Exception satisfied | 9.16.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $240,250.11 with liquid assets of $167,970.86. Cash to close $152,909.10. Cash reserves $87,341.01. Reserves 6 months x $4,980.39 = $29,882.34.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower 1 has 7 years 6 months at current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower 2 has 13 years 10 months at current job. |
| XXXXXX | 927931 | 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 | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Initial application was taken 08/16/2022, the intial LE was not issued until 08/23/2022. Greater than the required 3 days | 9/30/2022 - Client response - Application dated 8/16/22 was provided in error. Please find attached application dated 8/22/22 that was the operative application that triggered disclosure | 10/3/2022 - Clayton conclusion - Exception satisfied, client stated that 8/16/2022 was provided in error. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 8 years 8 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 689 above program requirement 640.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 7.39% below program maximum 43.00%. |
| XXXXXX | 927931 | 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 | Income/Employment | Active B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing acceptable evidence of XXX. CPA letter in file dated 9/19/22 references only completing the 2021 tax year. Guide requires verification for 2 yrs. Provide CPA letter supporting 2 yrs. evidence of XXX. If unable to provide CPA letter with required information guide will also allow copy of 2 years business licenses as of the date of the application or two years business tax returns and Schedule K1 if applicable. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 8 years 8 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 689 above program requirement 640.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 7.39% below program maximum 43.00%. |
| XXXXXX | 927931 | 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 of 548.32% exceeds program maximum of 300%. Approved credit exception in file to allow the payment shock to exceed guideline requirements. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 8 years 8 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 689 above program requirement 640.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 7.39% below program maximum 43.00%. |
| XXXXXX | 928095 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Assets | Satisfied C A | CRDAST205 | Insufficient Funds to Close | No | Borrower need to show proof of funds to close | 9.23.2022-Cients response: September 23rd 2022, 4:03:23 pmPlease see the attached proof of funds to close. Please clear the condition. | 9.23.2022-The assets in the XXX account have been taken into account; borrower is still short funds to close. Borrower did a cash-out refinance with XXX taking cash out of $267,997.13 loan number XXX; I believe these funds were used to purchase the new property. Both loans were done concurrently; provide the HUD1 from the refinance and show transfer of funds for the assets used to fund this transaction. Exception remains.9.27.2022-Exception Satisfied with HUD-1 dated 9/15, refinance c/o of investment property | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 17 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 54.95% is below guideline requirement of 80% for this program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 771 |
| XXXXXX | 928095 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | No reserves required, but short to close based on verified reserves in file. | 9.23.2022-Clients response: September 23rd 2022, 4:04:51 pmPlease see the attached proof of funds to close. Please clear the exception.9.27.2022- Provided HUD1 from refinance of investment property, funded XXX. | 9.23.2022-The assets in the XXX account have been taken into account; borrower is still short funds to close. Borrower did a cash-out refinance with XXX taking cash out of $267,997.13; I believe these funds were used to purchase the new property. Both loans were done concurrently; provide the HUD1 from the refinance and show transfer of funds for the assets used to fund this transaction. Exception remains.9.27.2022- Provided HUD1 from refinance dated 9/15 satisfies exception | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 17 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 54.95% is below guideline requirement of 80% for this program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 771 |
| XXXXXX | 928095 | 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 property located at XXX FL., mortgage in the file is for a different property. | 9.23.2022-Clients response: September 23rd 2022, 4:09:20 pmPlease see the attached copy of the DOT. please clear the exception. 9.27.2022- Provided all executed DOT documents | 9.23.2022-Document is not executed by all parties; exception remains.9.27.2022-Provided documents of executed DOT satisfy exception | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 17 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 54.95% is below guideline requirement of 80% for this program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 771 |
| XXXXXX | 928052 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC806 | Notary Status is missing | No | Notary Status is missing | 10.5.2022 Client responded - Please see the attached executed notary. Please clear the exception. | 10.5.2022 Client sent the Mortgage with the Notary signature and date. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 71.43% and maximum allowed is 80%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in current profession for 16 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $14,757.87, required reserves $1328.14 x 6 = $7968.84. |
| XXXXXX | 928052 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC869 | Mortgage not signed | No | Provide copy of fully executed Mortgage. Mortgage in file is not signed . | 10.5.2022 Client responded - Please see the attached copy of the Mortgage. Please clear the condition. | 10.5.2022 Client sent the fully executed Mortgage. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 71.43% and maximum allowed is 80%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in current profession for 16 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $14,757.87, required reserves $1328.14 x 6 = $7968.84. |
| XXXXXX | 928052 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Credit | Application | Satisfied D A | CRDAPP157 | Application Not Signed by Primary Borrower | No | Missing final signed copy of loan application, XXX form 1003 | 10.5.2022 Client responded - Please see the attached final 1003 please clear the condition. | 10.5.2022 Client sent the final signed copy of the Application Form 1003. Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 71.43% and maximum allowed is 80%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in current profession for 16 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $14,757.87, required reserves $1328.14 x 6 = $7968.84. |
| XXXXXX | 928052 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Credit | Legal Documents | Satisfied D A | CRDLGL1817 | Final HUD-1 is incomplete or illegible | No | Missing final signed CD or HUD1 settlement statement. | 10.5.2022 Client responded - Please see the attached Final Hud 1. Please clear the condition. | 10.5.2022 Client sent the Final HUD Settlement Statement. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 71.43% and maximum allowed is 80%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in current profession for 16 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $14,757.87, required reserves $1328.14 x 6 = $7968.84. |
| XXXXXX | 928052 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Credit | Legal Documents | Satisfied D A | CRDLGL2277 | Note Not Executed | No | Provide copy of fully executed Note. Note in file is Not Executed | 10.5.2022 Client responded - Please see the attached fully executed Note. Please clear the exception. | 10.5.2022 Client sent the fully executed Note and all addendums. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 71.43% and maximum allowed is 80%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in current profession for 16 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $14,757.87, required reserves $1328.14 x 6 = $7968.84. |
| XXXXXX | 927973 | XXXXXX | NV | 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 interim statement for XXX to support balance $8,790.99 used to qualify. Statement covering 3 mos. ending 6/30/22 and an interim statement covering 7/1-9/7/22 is in file however the interim statement does not reflect the current available balance. Provide interim statement from 7/1-9/7/22 that reflects transaction balances to support $8,790.99 used to qualify. Without use of the asset loan would be short reserves. | 9.26.2022-Clients response: September 26th 2022, 2:02:17 pmXXX utilized the screenshot the borrower provided for the XXX account XXX XXX showing balance of $12,558.56 on 09/07/2022 at 2:04 ET along with coinciding transaction history for same account dated 9/7/22 at 3:10 ET as evidence of the balance of this account. the Underwriter used 70% of the account balance to calculate a liquid balance ($12,558.56 x 0.7 = $8,790.99). Please see attached screenshot and transaction history utilized and clear condition. | 9.26.2022: Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 14 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 648 exceeds program requirement 600.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 12 mos. 0x30. |
| XXXXXX | 927973 | XXXXXX | NV | 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 | CRDLGL2550 | Missing HUD-1 from sale of property | No | Missing fully executed settlement statement from sale of XXX to support net equity $116,943.13 used to qualify. Settlement statement also to support payoff to Loan Depot. | 9.26.2022-Clients response:September 26th 2022, 1:45:53 pmPlease see attached Final HUD for sale of property and clear condition. | 9.26.2022: Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 14 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 648 exceeds program requirement 600.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 12 mos. 0x30. |
| XXXXXX | 928053 | XXXXXX | DC | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP157 | Application Not Signed by Primary Borrower | No | Missing signed final loan application | 9.19.2022-Clients response: September 16th 2022, 1:38:45 pmPlease see the attached signed final loan application. Please clear the condition. Please clear the condition. | 9.19.2022-Document received, exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 69.06% and maximum allowed is 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $87,629.18; required reserves $1711.46 x 6 = $10,268.76.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 732 and minimum required is 600 |
| XXXXXX | 928053 | XXXXXX | DC | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL2277 | Note Not Executed | No | Missing fully executed Note | 9.19.2022-Clients response: September 16th 2022, 1:42:54 pmPlease see the attached copy of the executed note. Please clear the condition. | 9.19.2022-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 69.06% and maximum allowed is 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $87,629.18; required reserves $1711.46 x 6 = $10,268.76.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 732 and minimum required is 600 |
| XXXXXX | 928053 | XXXXXX | DC | (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 | 1-Missing signed copy of final CD or HUD1 from closing of this transaction.2-Missing signed copy of Personal Guaranty | 9.19.2022-Clients response:September 16th 2022, 1:46:22 pmPlease see the attached copy of the personal Guaranty. Please clear the condition. | 9.19.2022-Document received, exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 69.06% and maximum allowed is 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $87,629.18; required reserves $1711.46 x 6 = $10,268.76.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 732 and minimum required is 600 |
| XXXXXX | 928053 | XXXXXX | DC | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL806 | Notary Status is missing | No | Missing fully executed Mortgage | 9.19.2022-Clients response: September 16th 2022, 2:04:46 pmPlease see the attached executed mortgage. Please clear the exception. | 9.19.2022: Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 69.06% and maximum allowed is 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $87,629.18; required reserves $1711.46 x 6 = $10,268.76.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 732 and minimum required is 600 |
| XXXXXX | 931355 | 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 | Provide subsequent inspection for subject property affected by XXX FEMA Declaration # XXX dated XXX | 10.4.2022: Clients response:October 4th 2022, 4:41:11 pmPlease see the attached appraisal inspection for subject property affected by XXX FEMA. Please clear the condition.10.7.2022-Clients response: October 6th 2022, 6:16:49 pmCan you please change the grade we have another file and they kept the grade at a B. Provide post inspection of property for FEMA disaster declaration #4673 dated 9/29/2022 for XXX.Natural Disaster Area, no subsequent inspection (Public)11.23.2022 Client responded - Please see attached PDI and clear condition. 12.13.2022 Client responded - Please see the attached PDI. Please clear the condition 12.13.2022 Client sent the PDI showing no damage from XXX. Exception satisfied. | 10.4.2022: Document received is the original appraisal. Provide the Post-Disaster inspection. Exception remains. 10.9.2022-Please provide the Post Disaster Inspection as required under FEMA. The documents provide is the original appraisal. Exception remains. 11.23.2022 Client sent the PDI dated 10.29.2022 that states the Appraiser was unable to do an exterior inspection due to property located in a Gated community with a comment stating Gated need key code. Original appraisal was completed 8.25.2022 and property is located in XXX Florida. Exception remains.12.13.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 60 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 50% and maximum allowed is 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $210,968.71, no required reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 768 and minimum required is 600 |
| XXXXXX | 927975 | XXXXXX | TX | 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 | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing verification of permanent residence alien status. | 9.30.2022: Clients response: September 30th 2022, 12:35:18 pmPlease see the attached Resident Alien card. Please clear the exception. 10/28/22: Lender provided copy of borrower application to renew Alien Card along with links from Dept of Homeland Security to verify the backlog of processing applications due to COVID 19. Based on the application showing the time stamp and valid receipt it is fair to say the borrower is in the US legally. | 9.30.2022: The Permanent Resident Alien card is expired; the notice from Homeland Security for the renewal clearly states that the notice does not grand any immigration status or benefit. Exception remains.10/28/22: Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $64,392.20; required reserves $2420.79 x 6 = $14,524.72.<br>CFCFS1747: Housing expense increase is 10% or less<br> - Clayton Comments: Total payment shock is 106%, less than 10% increase, 250% is allowed for first time home buyer.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 749 and minimum required is 600 |
| XXXXXX | 927975 | XXXXXX | TX | 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 C B | CRDDTI187 | Debt Ratio > 50% | No | DTI is 54.69%, exceeds 50%; per guidelines p119, $4000 disposable monthly income required with LTV <80% and no housing payment lates. Unable to determine disposable income as no information provided regarding taxes to be paid; Monthly residual income is $2861.69; total income $6315.48 - PITIA $2420.79 - LTD $1033 = $2861.69. LTV <80% and no housing pay lates. | 9.30.2022-Clients response: September 30th 2022, 12:08:20 pmPlease see the attached loan exception for the DTI. Please clear the exception. | 9.30.2022-Sr. Clayton Underwriter has reviewed the Credit Exception Request approved by upper management for the DTI of 53.63% and $2,927.21 in disposable income. The exception remains, however, is deemed non-material due to the DTI and deposable income not being fatal errors. Compensating factors are 749 fico, 7 months in reserves, 4 years on current employment. The securitization grade is changed from material to non-material. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $64,392.20; required reserves $2420.79 x 6 = $14,524.72.<br>CFCFS1747: Housing expense increase is 10% or less<br> - Clayton Comments: Total payment shock is 106%, less than 10% increase, 250% is allowed for first time home buyer.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 749 and minimum required is 600 |
| XXXXXX | 928054 | 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 3 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for over 14 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO of 713 exceeds guideline requirement of 680 for this program. |
| XXXXXX | 927947 | 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: B1 - 12 years in XXX industry.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 663 qualifying credit score per CBR in file.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 99 months of 0x30 consumer credit history per CBR. |
| XXXXXX | 928056 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 9 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 66.53% below program maximum 80.00%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 46 mos. 0x30, 40 mos. 0x30, 18 mos. 0x30, 65 mos. 0x30, 73 mos. 0x30 and 11 mos. 0x30. |
| XXXXXX | 928091 | XXXXXX | OH | (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 full 12 months housing payment history; provide rental pay history for the last 4 months of rental at XXX, prior to purchasing current primary. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 71.40% and maximum allowed is 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $45,506.46; required reserves $1222.52 x 6 = $7335.12<br>CFCFS1752: No Verified Compensating Factors<br> - Clayton Comments: Unable to determine additional compensating factors. |
| XXXXXX | 927980 | 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 of 80% is below guideline requirement of 85% for this program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 5 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current |
| XXXXXX | 927935 | 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 letter verifying the borrower's business and percentage of owners from CPA/Accountant. | 9.23.2022-Clients response: September 23rd 2022, 5:42:12 pmPlease see the attached business license . Please clear the condition. | 9.23.2022-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5.8 years living at departure residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 742 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 82 months of 0x30 consumer credit history. |
| XXXXXX | 928058 | XXXXXX | FL | (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 at current job for 15 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $248,549.97; required reserves $2721.24 x 6 = $16,327.44.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 732 and minimum required is 600. |
| XXXXXX | 928059 | XXXXXX | MA | (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 receipt of $15,000 gift funds. | 9.23.2022-Clients response: September 23rd 2022, 5:47:39 pmPlease see the attached proof of gift funds. Please clear the condition.9.26.2022-Clients response: September 23rd 2022, 7:58:38 pmPlease see the attached proof of gift funds. Please clear the condition9.29.2022-Clients response: September 29th 2022, 11:51:02 amPlease see the attached copy of the check Please clear the conditionSeptember 29th 2022, 6:01:39 pmthe UW put the number of funds to close a lot higher than the actual figures. (EMD was 20k-ish), so the Gift letter was just in case and was not needed. Please clear the exception. | 9.23.2022-Document was not received; exception remains.9.26.2022-Gift letter was received; we need evidence of the borrower receiving the funds. Gift letter shows a cashiers check would be sent to closing. We need the documentation showing the borrower received the gift funds. Exception remains.9.29.2022: Gift letter states $15,000 in gift funds; the check provided was the borrowers cashiers check for closing in the amount of $129,923.22. In addition the gift funds of $15,000 are not reflected on the HUD1 as indicated before. Exception remains.9.30.2022: Gift funds are excluded from the assets; exception is satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $37,648.20; required reserves $3274.92 x 6 = $19,649.52.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 725 and minimum required is 600<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has no late pays on mortgages, 36 months reporting. |
| XXXXXX | 928060 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Per the XXX Guidelines, All loans require impounds for Tax and Insurance. HUD in file dos not show impounds collected for the Taxes and Insurance to be escrowed. | 10.6.2022: Clients response:October 6th 2022, 2:55:14 pmPlease see the attached as the impounds show that the borrower waived escrow. Please clear the condition < XXX : 9/07/2022 10:33 AM > Waiving escrows with 0.125% add to rate. 7.375% | 10.6.2022-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $142,653.48, required reserves $2986.99 x 6 = $17,921.94.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 777 and minimum required is 600<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has several mortgages reporting for over 2 years, both open and closed, with no late pays. |
| XXXXXX | 928060 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Property Valuations | FEMA | Active B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Require post disaster inspection, Declaration # XXX, XXX, XXX | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $142,653.48, required reserves $2986.99 x 6 = $17,921.94.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 777 and minimum required is 600<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has several mortgages reporting for over 2 years, both open and closed, with no late pays. |
| XXXXXX | 928062 | XXXXXX | MO | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Active B | CRDTER3262 | Property issues indicated | No | Minimum equity for this program is $50,000. Borrower equity $XXX, short by $XXX. | (No Data) | 10-4-2022: Sr. Clayton Underwriter has reviewed the Credit Exception Request approved by upper management allowing $XXX in equity in the property which is less than the required $50,000 minimum equity required 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 high FICO of 732, good credit with no late pays on any open account, 110 months reserves, and 3 years experience in the XXX industry. The securitization grad 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 2 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 732.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open account are current |
| XXXXXX | 928066 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 27 years at current residence.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 27 mos. 0x30, 28 mos. 0x30, 27 mos. 0x30, 59 mos. 0x30, 51 mos. 0x30, and 52 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $114,291.30. Required reserves 6 months x $3,144.81 = $18,868.86. Excess reserves $95,422.44. |
| XXXXXX | 933453 | 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 | Provide additional funds for reserves. Six months of reserves are required which is $7,204.02 and cash after closing is $5,887.75. Provide the additional funds to meet the reserves requirement. | 10.21.2022-Clients response: October 21st 2022, 10:52:59 amPlease see the attached proof of funs for reserves . Please clear the condition 10.24.2022 Client responded - Please see the cd for cash out for the reserves. Please clear the condition | 10.21.2022: The XXX statement XXX dated 8.31.2022 has been used for assets. The wire transfer advice shows the funds taken from the XXX statement XXX for the transaction. Provide additional funds to meet the reserves requirement. Exception remains.10.24.2022 Client sent the Closing Disclosure for funds from a refinance in August. for $175,902.52 to cover reserves. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 51% and maximum allowed is 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $5887.75, no reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 720 and minimum required is 600 |
| XXXXXX | 933454 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | Property Valuations | FEMA | Satisfied A | PRVAFEMA4817 | Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public) | No | Post disaster inspection report done 10-5-22 showing no damages.Cancel. | PDI provided | 10.19.2022 Exception satisfied. Post disaster Inspection was included and property sustained no damage. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 61.20% and maximum allowed is 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $5635.96, no reserves required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 646 and minimum required is 600 |
| XXXXXX | 928068 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC225 | Missing Rider | No | Provide all riders applicable to the loan. Property is in a PUD and has a Prepayment Penalty. | 10.10.2022 Client responded - Please see the attached Riders to the DOT/ MORTGAGE. Please clear the exception. | 10.10.2022 Client sent all the fully executed Riders. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70% and maximum allowed is 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $23,700.39; required reserves $2526.82 x 6 = $15,160.92<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 794 and minimum required is 600 |
| XXXXXX | 928068 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC806 | Notary Status is missing | No | Provide the Notary page from the mortgage. | 10.10.2022 Client responded - Please see the attached DOT/Mortgage showing notary has executed . Please clear the condition. | 10.10.2022 Client sent a copy of the fully executed Mortgage including the Notary page signed and dated with the stamped. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70% and maximum allowed is 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $23,700.39; required reserves $2526.82 x 6 = $15,160.92<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 794 and minimum required is 600 |
| XXXXXX | 928068 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC869 | Mortgage not signed | No | Provide the mortgage that has been executed by the borrower. | 10.10.2022 Client responded - Please see the attached executed DOT/ Mortgage. Please clear the exception | 10.10.2022 Client sent a copy of the Mortgage, signed along with All Riders. signed and fully executed and signed by Notary. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70% and maximum allowed is 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $23,700.39; required reserves $2526.82 x 6 = $15,160.92<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 794 and minimum required is 600 |
| XXXXXX | 928068 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Credit | Legal Documents | Satisfied D A | CRDLGL2277 | Note Not Executed | No | Provide the Note that has been executed by the borrower. | 10.10.2022 Client responded - Please see the attached executed note. Please clear the exception. | 10.10.2022 Client sent a copy of the fully executed Note with all the addendums. Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70% and maximum allowed is 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $23,700.39; required reserves $2526.82 x 6 = $15,160.92<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 794 and minimum required is 600 |
| XXXXXX | 927982 | XXXXXX | NV | 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 3 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 736<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI < 30% |
| XXXXXX | 927984 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Terms/Guidelines | Active B | CRDTER127 | Payment shock does not meet guidelines | No | Payment shock of 594.48% exceeds program maximum of 300%. Lender approved credit exception in file to allow the payment shock to exceed guideline requirements. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 5 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 15 years same line of work.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 778 above program requirement 600. |
| XXXXXX | 927936 | 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: Qualifying LTV 53.19% below program maximum 90.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 749 above program requirement 640.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 35.52% below program maximum 43.00%. |
| XXXXXX | 704443 | XXXXXX | AL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Missing copy of signed final loan application, FNMA form 1003 | 10.6.2022 Client responded - Please see the attached signed 1003. Please clear the exception. | 10.6.2022 Client sent the signed 1003 for XXX dated 9/1/2022. Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 773 and minimum is 600<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 71.11% and maximum is 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $101,475.54; required reserves $1005.24 x 6 = $6031.44. |
| XXXXXX | 933381 | 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 | Assets | Active B | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Funds are required to be seasoned for 60 days. Approximately $36,100 of funds needed for close have not been seasoned for full 60 days. Approved credit exception in file for not meeting guideline requirement. | (No Data) | 10.04.2022-Sr. Clayton Underwriter has reviewed the Credit Exception Request approved by upper management allowing $36,000 in assets to not be seasoned as 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 high fico 799, 9 months of reserves, 10 years at current address and XXX with the same business for 4 years. The securitization grade is changed from material to non-material. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $217,273.28. Required reserves 6 months x PITI $7,887.77 = $47,326.62.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 80 mos. 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 799 above program requirement 600. |
| XXXXXX | 928013 | 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 | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing proof of receipt of $15,000.00 gift. Gift letter and donor ability to give gift in file however receipt of gift missing. Missing complete transaction history for XXX to complete 60 day history. Missing transaction history for XXX Provide for review. | 10.6.2022-Clients response:October 6th 2022, 1:32:39 pmPlease see the attached gift letter and proof of bank statement to show that it has been cleared. Please clear the exception 10.7.2022-Clients response: October 6th 2022, 6:54:35 pmPlease see the attached gift letter .. Please clear the exception | 10.6.2022-Provide a gift letter that reflects the total gift of $30,000. Gift was given by the XXX and we have the supporting documents but need either another gift letter for $15,000 or one letter for the total funds given to the borrower. Exception remains.10.7.2022-Documents received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 80.00% below program maximum 85.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 762 above program requirement 680.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 4 years at current residence. |
| XXXXXX | 928013 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing 12 mos. cancelled checks or bank statements to support VOR history of $2,650.00 monthly verifying 0x30 pay history. VOR in file is from private individual. A VOR from private individual is not acceptable per guidelines. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 80.00% below program maximum 85.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 762 above program requirement 680.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 4 years at current residence. |
| XXXXXX | 927937 | 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 22 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in current profession for 20 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $24,715.45, required reserves $3735.70 x 6 = $22,414.20.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 669 and minimum required is 600 |
| XXXXXX | 933456 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Title | Satisfied C A | CRDTIL100 | Potential title issue | No | Missing verification that Notice of Commencement recorded as Instrument No. XXX in Official records book XXX has been satisfied and released. | 11.7.2022 Client responded - Please see attached Updated Title Policy showing this was cleared. Please clear condition | 11.7.2022 Client sent Title Addendum Updated Title Policy showing this is as being cleared. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 52.68% and maximum allowed is 70%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $124,594.26, no required reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 752 and minimum required 640 |
| XXXXXX | 933456 | 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 | Require post disaster inspection, Declaration # XXX,XXX, XXX | 11.28.2022-Clients response: November 28th 2022, 12:17:28 pmPlease see attached post disaster inspection and clear condition. | 11.28.2022-Document received; exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 52.68% and maximum allowed is 70%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $124,594.26, no required reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 752 and minimum required 640 |
| XXXXXX | 933424 | 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 verification of 60 days seasoning of all funds used to qualify as required by guidelines. | 10.31.2022-Clients response: October 31st 2022, 3:19:51 pmPlease see the attached proof of assets. Please clear the condition | 10.31.2022-Documentation provided; exception is satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Both borrowers have 19 years 3 months in same line of work.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $70,130.86. Required reserves 6 months x PITIA $3,755.68 = $22,534.08.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 733 above program requirement 600. |
| XXXXXX | 933424 | 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 | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing documentation to support percentage of ownership each borrower has of OC Discount. XXX questionnaire does not clarify the percent or ownership each borrower has. Additionally letter from tax preparer references both borrowers are owners however does not reflect the percentage of ownership each borrower has. Provide satisfactory documentation to support each borrowers ownership percentage of company. | 10.31.2022-Clients response: October 31st 2022, 3:16:17 pmPlease see the attached proof of ownership . Please clear the condition | 10.31.2022-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Both borrowers have 19 years 3 months in same line of work.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $70,130.86. Required reserves 6 months x PITIA $3,755.68 = $22,534.08.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 733 above program requirement 600. |
| XXXXXX | 928073 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 17 years 8 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 54.82% below program maximum 75.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower received cash at close $153,469.21. No reserves required, LTV < 65.00%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 71 mos. 0x30 and 60 months 0x30. |
| XXXXXX | 928075 | 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 3 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 728 |
| XXXXXX | 928009 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Seller CD missing from file. | 10/7/2022 - Client response - Please see the attached seller statement. Please clear the condition | 10/11/2022 - Clayton conclusion - Exception satisfied, client provided Seller CD. | Not Applicable | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 750<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below guideline requirement of 85% for this program. |
| XXXXXX | 933429 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP157 | Application Not Signed by Primary Borrower | No | Missing Final signed 1003. Missing borrower executed Final 1003. 1003 in file is only signed by Loan Officer. | 10.20.2022-Clients response: October 20th 2022, 2:16:18 pmPlease see the attached signed 1003. Please clear the condition. | 10.20.2022-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 4 years 5 months in same line of work.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 14 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $117,509.62 which is loan proceeds. Cash reserves $117,609.62. Required reserves 6 months X PITI $1,207.86 = $7,247.16. |
| XXXXXX | 933429 | 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 | CRDLGL100 | Legal document incorrect or incomplete | No | Missing fully executed Personal Guaranty signed by XXX. Personal Guaranty forms located in file are not executed. | 10.20.2022-Clients response: October 20th 2022, 2:05:17 pmPlease see the attached personal guaranty. Please clear the condition | 10.20.2022-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 4 years 5 months in same line of work.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 14 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $117,509.62 which is loan proceeds. Cash reserves $117,609.62. Required reserves 6 months X PITI $1,207.86 = $7,247.16. |
| XXXXXX | 933429 | 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 | CRDLGL225 | Missing Rider | No | Provide all the riders and addendum to the Mortgage and Note. | 10.20.2022-Clients response:October 20th 2022, 2:09:01 pmPlease see the attached executed mtg and note please clear the condition | 10.20.2022-Documents received, exception is satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 4 years 5 months in same line of work.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 14 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $117,509.62 which is loan proceeds. Cash reserves $117,609.62. Required reserves 6 months X PITI $1,207.86 = $7,247.16. |
| XXXXXX | 933429 | 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 and Note addendum file are not executed. | 10.20.2022-Clients response: October 20th 2022, 2:03:10 pmplease see the attached executed note w/ addendums. Please clear the condition | 10.20.2022-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 4 years 5 months in same line of work.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 14 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $117,509.62 which is loan proceeds. Cash reserves $117,609.62. Required reserves 6 months X PITI $1,207.86 = $7,247.16. |
| XXXXXX | 933429 | 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 | CRDLGL4033 | Missing Legal Document(s) | No | Missing Final settlement or CD executed by guarantor or stamped as certified copy. | 10.20.2022-Clients response: October 20th 2022, 2:00:12 pmPlease see the attached final settlement statement . Please clear the exception | 10.20.2022-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 4 years 5 months in same line of work.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 14 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $117,509.62 which is loan proceeds. Cash reserves $117,609.62. Required reserves 6 months X PITI $1,207.86 = $7,247.16. |
| XXXXXX | 933429 | 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 | Provide the Notary stamp with the Mortgage/Deed of Trust. | 10.20.2022-Clients response: October 20th 2022, 2:07:33 pmPlease see the attached dot w/ the signed notary. Please clear the condition | 10.20.2022-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 4 years 5 months in same line of work.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 14 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $117,509.62 which is loan proceeds. Cash reserves $117,609.62. Required reserves 6 months X PITI $1,207.86 = $7,247.16. |
| XXXXXX | 933429 | 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 | CRDLGL869 | Mortgage is not signed | No | Mortgage and all riders were not signed. | 10.20.2022-Clients response: October 20th 2022, 2:11:35 pmPLEASE SEE THE ATTACHED EXECUTED MTG PLEASE CLEAR THE CONDITION | 10.20.2022-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 4 years 5 months in same line of work.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 14 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $117,509.62 which is loan proceeds. Cash reserves $117,609.62. Required reserves 6 months X PITI $1,207.86 = $7,247.16. |
| XXXXXX | 933429 | XXXXXX | FL | (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 | Provide evidence that loan has been set up for ACH payments. Per guidelines required when loan closed in Legal entity name. Copy of ACH bank information located in file however no authorization for the ACH auto draft was located in file. | 10.20.2022-Clients response: October 20th 2022, 1:46:42 pmPlease see the attached evidence that loan has been set up for ACH payments. Please clear the condition | 10.20.2022-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 4 years 5 months in same line of work.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 14 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $117,509.62 which is loan proceeds. Cash reserves $117,609.62. Required reserves 6 months X PITI $1,207.86 = $7,247.16. |
| XXXXXX | 933429 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Property Valuations | FEMA | Active B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | FEMA XXX reported with declaration date XXX and effective date XXX for XXX. No subsequent inspection located in file. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 4 years 5 months in same line of work.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 14 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $117,509.62 which is loan proceeds. Cash reserves $117,609.62. Required reserves 6 months X PITI $1,207.86 = $7,247.16. |
| XXXXXX | 933519 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC869 | Mortgage not signed | No | Mortgage, Notary and all Riders not signed and dated. | 10.21.2022-Clients response:October 21st 2022, 11:15:46 amPlease see the attached executed Mtg w/ all Riders. Please clear the | 10.21.2022-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 664 credit score used to qualify per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20.2 years living at primary residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 53.44 months of reserves in file per HUD-1. |
| XXXXXX | 933519 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | 1) HUD 1 in file not fully executed, missing borrowers signature.2) all applicable riders in file are not fully executed. Missing borrwer's signature | 10.21.2022-Clients response: October 21st 2022, 11:22:47 amPlease see the attached final HUD executed and certified and please see the attached riders to the mtg. Please clear the condition | 10.21.2022-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 664 credit score used to qualify per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20.2 years living at primary residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 53.44 months of reserves in file per HUD-1. |
| XXXXXX | 933519 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Credit | Legal Documents | Satisfied D A | CRDLGL2277 | Note Not Executed | No | Note not signed and dated by the borrowers. | 10.21.2022-Clients response: October 21st 2022, 11:11:47 amPlease see the attached executed Note. Please clear the condition | 10.21.2022-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 664 credit score used to qualify per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20.2 years living at primary residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 53.44 months of reserves in file per HUD-1. |
| XXXXXX | 933609 | XXXXXX | TX | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | LTV/CLTV | Satisfied C A | CRDLTV3024 | LTV Exceeds Guideline Requirement by less than 5% | No | LTV 75% is greater than Max LTV is 70% for this program. | 12.02.2022-Clients response: December 2nd 2022, 1:36:03 pmSee attached XXXXXX Rate Sheet 10.10.22 which shows we can go to 75% LTV on cash-out refi with FICO 740 (borrower is 755). Please clear this exception. 12.02.2022-Clayton's response: Document received; exception is satisfied. | 12.02.2022-Document received; exception is satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI < 25%<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 755 exceeds guideline requirement of 700 for this program. |
| XXXXXX | 933435 | XXXXXX | WA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Assets | Active D B | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Funds to close in the amount of approx. $1500.00 is unseasoned per guideline requirement. File contains manager approved loan exception for funds not seasoned for 30 days. | 10.26.2022-Clients response: October 26th 2022, 10:42:51 amPlease see the attached loan exception acknowledging funds not seasoned for 30 days with comp factors. Please clear the condition | 10.26.2022: Sr. Clayton Underwriter has reviewed the Credit Exception Request approved by upper management for the unseasoned funds in the approximate amount of $1454.71. The exception remains, however, is deemed non-material as this is not a fatal issue. The compensating factors are 663 fico, 75% loan to value and 6 months of reserves. The securitization grade has been changed from material to non material. | (No Data) | Not Applicable | CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Other Income for the past 32.53 months was not used to calculate income = $14,024.14 / 32.53 = $431.11 additional monthly income<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been in current industry fir the past 5 + years<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0 x 330 mortgage history for the past 19+months |
| XXXXXX | 928078 | 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 | Provide a Post Disaster Inspection for subject property from FEMA Disaster Declaration #4673 dated 9/29/2022 | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $447,912.93; required reserves $2484.82 x 6 = $14,908.92.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 779 and minimum required is 600<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower 1 has been in credit file over 20 years with no late pays. |
| XXXXXX | 933460 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $102,00.09; required reserves $1212.71 x 6 = $7273.26.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 752 and minimum required is 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has no late payments on mortgages with over 2 years reporting. |
| XXXXXX | 933434 | XXXXXX | CA | (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 proof of legal residency for borrower. 1003 reflects borrower is permanent residence alien. No copy of front and back of residency card was located in file. Please provide complete copy for review. | 10.24.2022: Clients response: October 24th 2022, 12:48:15 pmPlease see the attached copy of the resident alien card. Please clear the condition | 10.24.2022: Permanent Resident Card received; exception is satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $129,157.68. Funds required to close $89,622.97. Cash reserves $39,534.71. Required reserves 6 months x PITI $2,554.05 = $15,324.30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 805 above program requirement 640.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 37.08% below program maximum 50.00%. |
| XXXXXX | 933434 | XXXXXX | CA | (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 | Provide evidence that the earnest money in the amount of $5000 has cleared. File contains a copy of the check; need to provide evidence the check was paid. | 10.20.2022-Clients response: October 20th 2022, 3:34:00 pmplease see the attached earnest money deposit. Please clear the condition | 10.20.2022-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $129,157.68. Funds required to close $89,622.97. Cash reserves $39,534.71. Required reserves 6 months x PITI $2,554.05 = $15,324.30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 805 above program requirement 640.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 37.08% below program maximum 50.00%. |
| XXXXXX | 933434 | 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 | Missing Final settlement or CD executed by B1 or stamped as certified copy. All settlement statements in file reflected as Estimated statements and non are stamped certified by title company. Provide either Final CD executed by borrower or copy stamped certified by title agency. | 10.20.2022-Clients response:October 20th 2022, 3:31:02 pmPlease see the attached final HUD 1 certified. Please clear the condition | 10.20.2022-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $129,157.68. Funds required to close $89,622.97. Cash reserves $39,534.71. Required reserves 6 months x PITI $2,554.05 = $15,324.30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 805 above program requirement 640.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 37.08% below program maximum 50.00%. |
| XXXXXX | 933461 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing borrower executed W-8 (XXX) IRS form. B1 is foreign national. | 10.21.2022 Client responded - Please see the attached executed W-8 XXX IRS form. B1 is foreign national. Please clear the condition | 10.21.2022 Client sent a signed W-8 (BEN) IRS form. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 15 years 6 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 50.77% below program maximum 70.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $282,972.56. Cash required to close $155,959.57. Cash reserves $127,012.99. Required reserves 6 months x PITIA $2,117.28 = $12,703.68. |
| XXXXXX | 933461 | 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 | FEMA XXX reported with declaration date XXX and effective date XXX for XXX No subsequent inspection located in file. | 11.29.2022-Clients response: November 28th 2022, 12:12:52 pmPlease disregard. Removed attachment as it was incorrect property. 12.6.2022 Client responded - Please see the attached 1004D. Please clear the condition 12.6.2022 Client sent the Property Condition Report verifying no damage. Exception satisfied. | 11.29.2022-Document not received; exception remains.12.6.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 15 years 6 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 50.77% below program maximum 70.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $282,972.56. Cash required to close $155,959.57. Cash reserves $127,012.99. Required reserves 6 months x PITIA $2,117.28 = $12,703.68. |
| XXXXXX | 928079 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 50.00% below program maximum 75.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $5,215,543.52. Required cash to close $243,608.41. Cash reserves $4,971,935.11. Required reserves 6 months x PITIA $2,526.43 = $15,158.58.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 692 exceeds program requirement 640. |
| XXXXXX | 928081 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $76,102.54. Required cash to close $57,631.28. Cash reserves $18,471.26. Required reserves 6 months x PITI $11,030.34.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 788 above program requirement 640.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 6 years at current residence. |
| XXXXXX | 927988 | 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 | Need proof final LE 9/15/2022 was received by borrower 3 days before consummation date of XXX | 9/30/2022 - Client response - Please find attached proof of receipt of LE on 9/15/22. | 10/3/2022 - Clayton conclusion - Exception satisfied, client provided XXX esign log that showed Borrower signed on 9/15/2022. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 10 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is < 50% |
| XXXXXX | 928082 | XXXXXX | MD | (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 the final HUD1 that has been executed by all parties and certified by the title agency. | 10.12.2022-Clients response: October 11th 2022, 3:10:39 pmPlease see the attached Final Hud 1 . Please clear the exception. | 10.12.2022-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70% with maximum allowed of 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $16,945.66; required reserves $1075.13 x 6 = $6450.78.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 775 and minimum required is 600 |
| XXXXXX | 928082 | XXXXXX | MD | (No Data) | ATR/QM: Exempt D | N/A | N/A D | 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. \*\* Why is XXX on the Note and Mortgage? He owns 1% of the LLC and does not have a 1003. | 10.12.2022-Clients response:October 11th 2022, 3:07:20 pmPlease see the attached executed note. Please clear the condition. | 10.12.2022-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70% with maximum allowed of 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $16,945.66; required reserves $1075.13 x 6 = $6450.78.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 775 and minimum required is 600 |
| XXXXXX | 928082 | XXXXXX | MD | (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 Personal Guaranty from XXX. The Operating Agreement for XXX shows that Lana XXX owns 99% of the LLC and XXX 1%. A Personal Guarantor is not required from him and unless he is providing a loan application he does not need to execute the note or mortgage. | 10.12.2022-Clients response: October 11th 2022, 3:04:58 pmPlease see the attached Personal Guaranty for XXX. Please clear the condition | 10.12.2022-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70% with maximum allowed of 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $16,945.66; required reserves $1075.13 x 6 = $6450.78.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 775 and minimum required is 600 |
| XXXXXX | 928082 | XXXXXX | MD | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL806 | Notary Status is missing | No | Missing executed Deed of Trust and Notary signature.. | 10.12.2022-Clients response: October 11th 2022, 2:38:12 pmPlease see the attached copy of the dot w/ the notary. Please clear the exception. | 10.12.2022-Document received, exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70% with maximum allowed of 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $16,945.66; required reserves $1075.13 x 6 = $6450.78.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 775 and minimum required is 600 |
| XXXXXX | 928082 | XXXXXX | MD | (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 Fully executed Mortgage/Deed of Trust signed by all parties. | 10.12.2022-Clients response: October 11th 2022, 3:00:13 pmPlease see the attached fully executed DOT. Please clear the condition | 10.12.2022-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70% with maximum allowed of 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $16,945.66; required reserves $1075.13 x 6 = $6450.78.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 775 and minimum required is 600 |
| XXXXXX | 928083 | 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 | Missing Final signed HUD1. | 10.7.2022: Clients response: October 7th 2022, 1:10:59 pmPlease see the attached Final Hud 1. Please clear the condition | 10.7.2022-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 50% and maximum allowed is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 714 and minimum required is 600.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has more than 6 months of reserves. |
| XXXXXX | 933518 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets $210,856.08 are loan proceeds from subject transaction. Cash reserves $210,856.08. No reserves required, LTV equal to 65.00%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 38 mos. 0x30.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 2 years at current residence. |
| XXXXXX | 927994 | 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 | 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 9.27.2022 Loan Calculations section, Field: Annual Percentage Rate (APR), Value: 7.30100% and Final CD 9.29.2022 Loan calculations section, Field: Annual Percentage Rate (APR), Value: 7.49400. Difference in APR 0.193; max allowed is .125.Missing disclosure that coincides with CIC event that occurred on 9.20.22 for the interest rate changing from 7.000% to 7.375%. In addition, Missing the disclosure that coincides with CIC event that occurred on 9.26.22 for Loan amount change from $XXX to $XXX and Rate from 7.00% to 7.250%. | 10/14/2022 - Client response - There was only one COC CD and that was the one issued on 9/27/22. Any other change of circumstance forms in the file were redundant and were meant to be marked as ''unused''. Please find attached the COC CD issued on 9/27/22.10/20/2021 - Client response #2 - The CD provided had the COC dated 9/27/22 attached on the final page, showing the loan amount increase from $XXX to $XXX. Please clear the condition | 10/17/2022 - Exception remains, Client provided CD 9/27/2022 with Loan amount of $XXX which was in the original file. We are missing the COC for that loan amount increase. If COCs in the file are not supposed to be used we need an "Attestation Letter" to that effect. Documents are in the file and cannot simply be ignored.10/21/2021 - Clayton conclusion - Exception satisfied, Client provided COC for loan amount increase. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 81.50% is below guideline requirement of 85% for this program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO of 742 exceeds guideline requirement of 680 for this program. |
| XXXXXX | 927994 | 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 | Payment shock is over 300% | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 81.50% is below guideline requirement of 85% for this program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO of 742 exceeds guideline requirement of 680 for this program. |
| XXXXXX | 933464 | 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 | Require post disaster inspection, Declaration # XXX | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 66.30% and maximum allowed is 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $162,472.69; required reserves $1691.86 x 6 = $10,151.16.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 705 and minimum required is 640 |
| XXXXXX | 933466 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 60% and maximum allowed is 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $32,548.06; no reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 726 and minimum required is 600 |
| XXXXXX | 933468 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing letter of explanation for cash out loan proceeds. No letter of explanation was located in file. | 11.17.2022 Client responded - see attached LOE for cashout. Please clear condition | Provide LOE for cash out.11.17.2022 Client sent the LOE for use of the cash out loan proceeds. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $299,070.80. Required reserves 6 months x PITI $4,507.35 = $27,044.10.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 720 above program requirement 640.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 3 years 6 months at current residence. |
| XXXXXX | 933468 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Property Valuations | FEMA | Satisfied C 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 XXX. Disaster inspection dated XXX reflects no damage. (QC cancel). | 11.23.2022-Clients response: November 23rd 2022, 10:40:31 amSee attached DISASTER INSPECTION REPORT. Please clear exception. | 11.23.2022-Document received; exception is satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $299,070.80. Required reserves 6 months x PITI $4,507.35 = $27,044.10.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 720 above program requirement 640.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 3 years 6 months at current residence. |
| XXXXXX | 927941 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing verification of rental payment history for past 24 months. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $118,237.10. Required reserves $6543.22 x 6 = $39,259.32.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 765 and minimum required is 640<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 6.14%, maximum allowed for first time home buyer is 43%. |
| XXXXXX | 927943 | XXXXXX | CA | 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: Mortgage history reports 16 mos. 0x30.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 5 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 30 years 9 months in same line of work. |
| XXXXXX | 933471 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 5 years 2 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 71.40% below program maximum 80.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $671,838.86. Required reserves 6 months x PITI $2,248.97= $13,493.82.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 68 mos. 0x30. |
| XXXXXX | 933472 | 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 2 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 66.30% is below guideline requirement of 75% for this program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO of 749 exceeds guideline requirement of 680 for this program. |
| XXXXXX | 933641 | XXXXXX | FL | (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 operating agreement and resolution of members; exception not found allowing acceptance of no operating agreement or resolution of members. | 11.28.2022-Clients response: November 23rd 2022, 12:34:51 pmSee attached HomeXpress Response. Please clear this exception | 11.28.2022-Document received; exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for 7 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $38,941.20; required reserves $2619.85 x 6 = $15,719.10. |
| XXXXXX | 933358 | 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 | Application | Satisfied D A | CRDAPP157 | Application Not Signed by Primary Borrower | No | Missing signed final loan application | 10.18.2022-Clients response: October 17th 2022, 5:32:26 pmPlease see the attached final 1003 signed. Please clear the condition | 10.18.2022-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has spent 12 years in current profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $682,503.80; required reserves $3946.94 x 6 = $23,681.94.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 29.12%, maximum allowed for first time home buyer is 43%. |
| XXXXXX | 933358 | 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 | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | Closing disclosure issued 10-6-22 is not signed and it does not verify it is the final document. | 10/17/2022 - Client response - Please see the attached signed closing disclosure. Please clear the condition | 10/18/2022 - Clayton conclusion - Exception satisfied, Client provided signed Final CD dated 10/6/2022. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has spent 12 years in current profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $682,503.80; required reserves $3946.94 x 6 = $23,681.94.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 29.12%, maximum allowed for first time home buyer is 43%. |
| XXXXXX | 933627 | XXXXXX | NJ | (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 6 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 56.68% and maximum allowed is 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 754 and minimum required is 640 |
| XXXXXX | 928087 | XXXXXX | NV | (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 10 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is below guideline requirement of 80% for this program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 764 |
| XXXXXX | 928088 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Appraisal does not reflect either XXX or the submitting Client as the Lender/Client. No documentation located in file to support the appraisal has been transferred from XXX. Provide documentation to support appraisal was transferred as required by guidelines. Need evidence the appraisal was ordered through XXX and the transferring lender or the XXX must provide evidence certifying the appraisal meets Appraisal Independence Requirements. If this cannot be met a new appraisal would be required. | 10.21.2022 Client responded - Please see the attached CU showing in XXXname. Please clear the condition.10.26.2022-Clients reponse: October 26th 2022, 4:34:33 pmPlease see LOE and clear exception. | 10.21.2022 Client sent the UCDP supporting the value of 1 in the name of XXX. The appraisal was ordered through XXX with the XXX #XXX and meets the AIR. Supply a Letter of Explanation for Appraisal in the name of XXX and the Application is in the name of XXX and XXX. transferring the appraisal. Exception remains10.26.2022-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 71.40% below program maximum 80.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $588,053.51. Cash required to close $353,003.94. Cash reserves $235,049.57. Required reserves 6 months x PITIA $6,755.38 = $40,532.28.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 17 years same line of work. |
| XXXXXX | 927997 | 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 | Document rental history covering the past 12 months for XXX. via VOR (Property Management) or cancelled rent checks, front/back for private landlord. | 10.18.2022-Clients response: October 17th 2022, 6:01:52 pmPlease see the attached VOR/ VOM. This is a property management company.. for the individual who owns the property. | 10.18.2022-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 = 5 years in the XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 669 mid-score qualified per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 9.12 months of piti reserves remain after funds to close and 6 months required reserves per guidelines. |
| XXXXXX | 933393 | 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: 776 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 72 months of 0x30 consumer history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 8.09 excess reserves in file. |
| XXXXXX | 933477 | 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 | Provide the Settlement Statement and Wires coming from Borrower's bank accounts totaling $XXX Purchase Price. For the purchase of the subject property. | 11.8.2022-Clients response: November 8th 2022, 10:42:25 amSubject if a Refinance not a Purchase. Please see attached Final Settlement Statement. Please clear this condition.11.17.2022-Clients response: November 16th 2022, 12:19:29 pmSee attached Settlement Statement and Wires. Please clear this condition.12.7.2022-Clients response: December 7th 2022, 2:33:08 pmPlease refer back to the document uploaded on 11/16 titled:XXX - Settlement Statement and Wires, as it contains the Settlement Statement and wires totaling the $XXX purchase price for the purchase of the subject property.12.7.2022-Clayton's response: Settlement Statement, Wire, and XXX bank account XXX received and sufficient to clear the exception. Exception is satisfied. | 11.8.2022-The property was purchase in XXX for $XXX. Underwriter required the Settlement Statement for the purchase of the property as it is less than 6 months ago along with the wires coming from the borrowers bank accounts totally $XXX. Exception remains.11.17.2022-The Settlement Statement received is for the Rate/Term of the subject property; the underwriting condition is for the Settlement Statement for the Purchase of the Subject Property as it has been less than 6 months ago since the property was purchased. Please refer to the Doc's Out Loan Approval-it is requesting the Provide the Settlement Statement and Wires coming from Borrower's bank accounts totaling $XXX Purchase Price. Exception remains.12.7.2022 Exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers credit score 763.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower receiving $408,415.97 in cash back at closing.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 59.69 |
| XXXXXX | 933394 | 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 | Documentation | Satisfied D A | CMPDOC806 | Notary Status is missing | No | Notary information is missing from mortgage | 10.25.2022-Clients response: October 25th 2022, 12:46:05 pmPlease see the attached executed mortgage w/ notary. Please clear the condition | 10.25.2022-Notary has been completed; exception is satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $298,709.07; required reserves $6665.21 x 6 = $39,991.26.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 688 and minimum required is 600<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 35.47% and minimum required is 50% |
| XXXXXX | 933394 | 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 | Documentation | Satisfied D A | CMPDOC869 | Mortgage not signed | No | Provide fully executed mortgage. | 10.25.2022-Clients response:October 25th 2022, 12:47:39 pmPlease see the attached executed mtg. Please clear the condition | 10.25.2022: Mortgage received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $298,709.07; required reserves $6665.21 x 6 = $39,991.26.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 688 and minimum required is 600<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 35.47% and minimum required is 50% |
| XXXXXX | 933394 | 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 | Credit/Mtg History | Active D B | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Borrower is considered a first time homebuyer which is not allowed under this loan program. | (No Data) | 10.24.2022-Sr. Clayton Underwriter has reviewed the Credit Loan Exception approved by upper management for the borrower not being a first time homebuyer. The exception will remain, however, it is deemed non-material as this is not a fatal issue. The compensating factor are borrower previously owned a property from 8/2006 thru 12/03/2014 sold the property due to divorce. Mortgage is reporting on credit 0x30 for 41 months; 6 months in reserves and LTV 80 with a credit score of 674. The securitization grade is updated to reflect non-material. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $298,709.07; required reserves $6665.21 x 6 = $39,991.26.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 688 and minimum required is 600<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 35.47% and minimum required is 50% |
| XXXXXX | 933394 | 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 | Legal Documents | Satisfied D A | CRDLGL2277 | Note Not Executed | No | Note in file is not signed by borrower. Lender to provide fully executed note. | 10.25.2022-Clients response:October 25th 2022, 12:44:32 pmPlease see the attached executed note. Please clear the condition | 10.25.2022-Note received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $298,709.07; required reserves $6665.21 x 6 = $39,991.26.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 688 and minimum required is 600<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 35.47% and minimum required is 50% |
| XXXXXX | 933394 | 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 | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | 1) Missing Final CD dated 10/17/22. CD in file was not signed, not issued to borrower and was missing 4th and 5th page.2) File is missing fully executed mortgage. | 10.25.2022 Client responded - Please see the attached final cd and fully executed DOT. Please clear the condition. | 10.25.2022 Client sent the Final Closing Disclosure signed and the fully executed DOT was satisfied . Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $298,709.07; required reserves $6665.21 x 6 = $39,991.26.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 688 and minimum required is 600<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 35.47% and minimum required is 50% |
| XXXXXX | 933543 | 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 | Active B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | Please provide PCCD or an updated ROR with correct disbursement date. Current ROR has the end of rescission period on XXX, Final CD has disbursement date on XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 19 years 5 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 43.64% below program maximum 60.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $80,524.11. No reserves required, LTV < 75.00%. |
| XXXXXX | 933543 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Loan consummated timely. Please provide proof of receipt of the initial CD dated 10/4/2022. | 11/14/2022 - Client response - Please see the attached provide proof of receipt of the initial CD dated 10/4/2022. Please clear the condition11/14/2022 - Client response #2 - Please see the attached provide proof of receipt of the initial CD dated 10/4/2022. Please clear the condition 11/15/2022 - Client response #3 - Please see the attached | 11/14/2022 - Clayton determination - Exception remains, client did not provide proof required to clear exception11/15/2022 - Clayton determination - Exception remains, client did not provide proof required to clear exception. All documentation client provided was dated 10/27. We require 10/4 documentation.11/15/2022 - Clayton determination - Exception satisfied. ROR expiration XXX Disbursement date XXX. 3 day period was met. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 19 years 5 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 43.64% below program maximum 60.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $80,524.11. No reserves required, LTV < 75.00%. |
| XXXXXX | 933543 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | 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 | Corrected CDs were provided on 10/14/2022 and 10/26/2022, COCs stating the changes were provided on 10/14/2022 and 10/24/2022. | 11/14/2022 - Client response - A COC was executed on 10/27/22, indicating an extension on the rate lock. Please see attached COC document and signed CD issued 10/27/22. | 11/15/2022 - Clayton conclusion - Exception satisfied, client provided COC and CD. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 19 years 5 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 43.64% below program maximum 60.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $80,524.11. No reserves required, LTV < 75.00%. |
| XXXXXX | 933517 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 12 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 59.66% is below guideline requirement of 75% for this program. |
| XXXXXX | 928097 | XXXXXX | UT | (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 3 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for over 4 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 816 which exceeds guideline requirement of 700 for this program. |
| XXXXXX | 933395 | XXXXXX | AZ | 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 | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that Final LE Issued 10/04/2022 was received by borrower no later than 10/6/2022. | 10/25/2022 - Client response - Please see the attached Final LE Issued 10/04/2022 was received by borrower no later than 10/6/2022. Please clear the condition | 10/27/2022 - Clayton conclusion - Exception satisfied, | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3.9 years living at primary residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 15 years as XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 42 months of 0x30 mortgage history. |
| XXXXXX | 933395 | XXXXXX | AZ | 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 7/2022 XXX #XXX business bank statement as required per 12 month bank statement summary showing lender used 8/21-7/22 bank statement for income calculation. | 10.25.2022-Clients response: October 25th 2022, 12:58:16 pmPlease see the attached bank statement for July. Please clear the condition | 10.25.2022-Received XXX Acct. XXX statement for July 1-31, 2022. Exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3.9 years living at primary residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 15 years as XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 42 months of 0x30 mortgage history. |
| XXXXXX | 928098 | XXXXXX | UT | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower 1 has 4 years 9 months at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 75.00% below program maximum 80.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $578,353.21. Required reserves 6 months x PITI $2,688.81 = $16,132.86. |
| XXXXXX | 933485 | XXXXXX | MA | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Property Valuations | Appraisal | Active B | PRVAAPPR5344 | Alternate Valuation product used. | No | 2 Full Appraisals used instead of BPO | (No Data) | 10.25.2022-Sr. Clayton Underwriter has reviewed the Credit Exception Request approved by upper management which allow the value of the subject property to be determined by 2 full appraisals (using the lower of the 2 values) instead of a Brokers Price Opinion. The subject property was purchased with a rehab loan and a BPO will not take into consideration interior rehab since a BPO is an exterior drive by only. The exception will remain, however, it is deemed non-material as this is not a fatal issue. Compensating factors are fico 710, 75% loan to value and 6 months of reserves. The securitization grade has been updated from material to non-material. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers credit score is 710.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has good credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 8 months in reserves. |
| XXXXXX | 928089 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years living at primary home.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 99 months of 0x30 consumer history per CBR. |
| XXXXXX | 933486 | 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 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 | 11.23.2022-Clients response: The Broker Price Opinion provided with the original package includes and exterior inspection and pictures. The BPO was ordered 10/3 and completed 10/8 which is after the FEMA declared disaster date of XXX. Please see BPO and clear exception. | 11.23.2022-Document received; exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 18 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 46.05% and maximum allowed is 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $113,681.58, no required reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 739 and minimum required is 600 |
| XXXXXX | 933486 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Property Valuations | Property | Satisfied C A | PRVAPROP177 | Property Issues Indicated | No | Appraisal to provide interior pictures of the subject property; this is required per the guidelines for this loan program. | 10.21.2022-Clients response:October 20th 2022, 4:29:39 pmPlease see the attached appraisal w/ photos. phots of interior are there . Please clear the condition | 10.21.2022: Document received with interior pictures; exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 18 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 46.05% and maximum allowed is 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $113,681.58, no required reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 739 and minimum required is 600 |
| XXXXXX | 933399 | 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 | Title | Satisfied D A | CRDTIL796 | Missing Title | No | Missing title commitment. Provide complete copy of title commitment for review. | 10.25.2022 Client responded - Please see the attached prelim. Please clear the condition | 10.25.2022 Client sent in the Title. Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 5 years same line of work.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $29,211.43. Required reserves 6 months x PITI $3,426.64 = $20,559.84.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 685 above program requirement 600. |
| XXXXXX | 933400 | 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 | CRDCRMH117 | Length of credit history in file does not meet guideline requirement | No | Credit exception form in file. 11 months of credit history provided per CBR. 24 months required. | (No Data) | 10.25.2022-Sr. Clayton Underwriter has reviewed the Credit Exception Request approved by upper management allowing less than 3 credit lines which is a requirement of the loan program. The exception remains, however, is deemed non-material due to this not being a fatal issue. The compensating factors on the loan was 12 months in reserves, fico 668, 22 years of employment and loan to value of 80%. The securitization grade has been updated to reflect material to non-material. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 692 mid-score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 23.92 months of reserves<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 24.94% DTI calculated; 50% max allowed. |
| XXXXXX | 933544 | 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 | 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 | APR 10/24/22 9.06%, APR 11/3/22 9.236. Difference of .176, greater than .125 Allowed variance | 12.1.22-Client provided rebuttal note in regards to dated CD issued 11/3/22 changes that increased APR being disclosed timely.Document reviewed, 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 7 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 4 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI < 50% |
| XXXXXX | 933544 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | 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 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. | 11.23.2022 Client responded - Inspection date on Appraisal in file is dated after FEMA disaster declaration. Please clear this exception. | 11.232.2022 Appraisal in file dated 10.8.2022 says the property was not affected by XXX 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 4 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI < 50% |
| XXXXXX | 933588 | XXXXXX | AZ | 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 tradelines are current<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is below guideline requirement of 70% for this program.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for over 6 years. |
| XXXXXX | 927948 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Has been at job for over 8 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been on same job for over 8 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO of 739 exceeds guideline requirement of 700 for this program. |
| XXXXXX | 933679 | XXXXXX | HI | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP157 | Application Not Signed by Primary Borrower | No | Missing final loan application signed by borrower | 11.1.2022 Client responded - Please see the attached Final 1003. Please clear the condition | 11.1.2022 Client sent the final signed application 1003. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 702 and required minimum is 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $71,783.01; required reserves $4053.74 x 6 = $24,322.44.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has good credit history with no late pays and over 7 years reporting. |
| XXXXXX | 933679 | XXXXXX | HI | (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 | Estimated HUD-1 in File, Missing Final HUD-1 | 11.1.2022 Client responded - Please see the attached Final Hud 1. Please clear the condition | 11.1.2022 Client sent the final HUD 1 settlement statement. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 702 and required minimum is 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $71,783.01; required reserves $4053.74 x 6 = $24,322.44.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has good credit history with no late pays and over 7 years reporting. |
| XXXXXX | 933489 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 732 mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 17.9 years living at primary residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 82 months of 0x30 consumer credit history per CBR. |
| XXXXXX | 223155 | XXXXXX | PA | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Borrower is short on reserves; program requires 6 months of PITI $3,820.39 x 6=$22,922.34. Cash after closing $20,691.71-borrowers are short $2,230.63. Provide additional assets in that amount to satisfy the exception. | 12.19.2022-Clients response: December 16th 2022, 1:18:04 pmSee attached Additional assets Nov - Dec Bank Stmt showing sufficient reserves. Please clear this exception. 12.19.2022-Clayton's response: December Bank Statement XXX XXX and XXX show $23,585.67 in assets which is sufficient to clear the exception. Exception is satisfied. | 12.19.2022-Exception is satisfied. | (No Data) | Not Applicable | 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 tradelines are current<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 773 exceeds guideline requirement of 680 for this program. |
| XXXXXX | 223155 | XXXXXX | PA | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR101 | Appraisal incomplete (missing map, layout, pages, etc) | No | Provide the appraisal form 1007 addressing the comparable rent schedule for the subject property. | 11.23.2022-Clients response:November 22nd 2022, 10:07:27 amSee attached Comparable Rent Schedule. Please clear condition | 11.23.2022-Document received, exception is satisfied. | (No Data) | Not Applicable | 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 tradelines are current<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 773 exceeds guideline requirement of 680 for this program. |
| XXXXXX | 933545 | 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: Cash reserves = $17,864.83. Required reserves 0 months required. Excess reserves $17,864.83.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 45.15% is below the maximum allowable of 75%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 26.37% is below the maximum allowable 50%. |
| XXXXXX | 933538 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | B | A C | 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. | 11.28.2022-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. | 11.28.2022=Exception Satisfied | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV < 35%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI < 32.83%<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current |
| XXXXXX | 933538 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | B | A C | B | A | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Loan program requires 6 months of reserves. Monthly PITI payment $11,960 x 6 = $71,760. After closing the total assets are $22,314.27. Provide the additional assets that have been seasoned for 60 days. | 12.2.2022 Client responded - see attached SELLER CD- SHOWING SALE PROCEEDS of $XXX. Please clear this exception12.2.2022 Client sent the Sellers HUD for a property that borrower and co-borrower sold and disbursed on XXX in the amount of $XXX Exception satisfied | Provide additional assets for reserves.12.2.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV < 35%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI < 32.83%<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current |
| XXXXXX | 933494 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 12.4 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 774 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 82 months of 0x30 consumer history. |
| XXXXXX | 48216 | XXXXXX | ID | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Application | Satisfied C A | CRDAPP1813 | Undisclosed non-arm's length transaction | No | Subject loan disclosed as a non-arm's length transaction. LOE indicate seller is a client and business associate of borrower. Per guidelines non-arm's length transactions not allowed. | 11.1.2022-Clients response:October 31st 2022, 7:29:35 pmPlease see the attached LOE AND was approved by mgmt as long as conditioned for a LOE. 11.1.2022-Clients response: November 1st 2022, 4:54:45 pmPlease see the attached approval. Please clear the condition | 11.1.2022-Provide the approval from management for this non-arms length transaction. Due to XXX program guidelines the loan is not eligible for the loan program unless we receive the approval from upper management. Exception remains.11.01.2022-Document received; exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 18 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 9 years 2 months in same line of work.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 7 years 2 months at current job. |
| XXXXXX | 48216 | XXXXXX | ID | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH118 | Mortgage/rental lates exceed guidelines | No | Mortgage lates of 2x30 in last 12 mos. exceed guideline maximum of 1x30. Approved credit exception located in file to allow the 2x30 reported. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 18 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 9 years 2 months in same line of work.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 7 years 2 months at current job. |
| XXXXXX | 48216 | XXXXXX | ID | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Income/Employment | Active B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing verbal verification of employment dated within 3 business days of note date XXX. Verbal verification was located in file however the verification completed by section is blank. Provide a fully executed VVOE for review. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 18 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 9 years 2 months in same line of work.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 7 years 2 months at current job. |
| XXXXXX | 933595 | XXXXXX | NC | 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 and TRID 2.0 revisions. Exception satisfied. Final Grade A. | 11.29.2022- 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. | 11.29.2022-Exception Satisfied | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 54.47% is below guideline requirement of 85% for this program.<br>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 14 years. |
| XXXXXX | 933547 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Property Valuations | FEMA | Waived B | PRVAFEMA229 | Natural Disaster Area, Subseq inspect prior to Disaster (Public) | No | Appraisal Update is in file dated 10/7/2022. Declaration date of disaster is 9/29/2022 | (No Data) | 11.16.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 609 exceeds guideline requirement of 600 for this program.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 67.92% is below guideline requirement of 70% for this program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is < 45% |
| XXXXXX | 933634 | XXXXXX | MN | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 683 exceeds guideline requirement of 680 for this program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash back from closing exceeds reserves guideline requirement. |
| XXXXXX | 933499 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower at current residence for 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 59.06% and maximum allowed is 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $3281.91, no required reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 685 and minimum required is 640 |
| XXXXXX | 933408 | XXXXXX | UT | 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 | CRDLGL100 | Legal document incorrect or incomplete | No | Missing complete copy of executed purchase contract. Purchase contract in file includes addendums however only addendums 2, 4 and 5 are located in file. Provide missing addendums 1 and 3 for review. | 11.8.2022-Clients response:November 7th 2022, 3:56:54 pmPlease see the attached purchase contract w/ addendums 1 and 2 . Please clear the condition | 11.8.2022-Documents received; exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 637 above program requirement 600.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 4 years 8 months at current job.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 32.40% below program maximum 50.00%. |
| XXXXXX | 933408 | XXXXXX | UT | 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 | Missing complete copy of title commitment with effective date 10/13/22. File does include a complete copy of title commitment with effective date 9/9/22 however only page 1 Schedule A of the 10/13/22 commitment was located in file. Provide complete copy of 10/13/22 title commitment for review. | 11.8.2022-Clients response: November 7th 2022, 3:59:29 pmPlease see the attached title commitment . Please clear the condition | 11.8.2022-Document received; exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 637 above program requirement 600.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 4 years 8 months at current job.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 32.40% below program maximum 50.00%. |
| XXXXXX | 933430 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Provide a VOE for current employment for XXX. Borrower was hired 1/1/2022 and income figured from 1/1/2022 through 8/31/2022. Gap in employment from 9/2021 through 12/31/2021. File contained 2020 and 2021 W-2's | 11.4.2022-Clients response:November 3rd 2022, 6:28:47 pmPlease see attached Verbal VOE. Please clear this condition. | 11.4.2022-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 724 mid-score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 42.74 months of reserves in file.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 99 months of 0x30 consumer history. |
| XXXXXX | 933430 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Property Valuations | FEMA | Active B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | No inspection since FEMA disaster 9/29/2022 12/31/2099 Public XXX; Note date XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 724 mid-score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 42.74 months of reserves in file.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 99 months of 0x30 consumer history. |
| XXXXXX | 933433 | 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 | Estimated HUD stamped and signed. | 11.1.2022-Clients response: October 31st 2022, 6:52:30 pmPLEASE SEE THE ATTACHED FINAL CERTIFIED HUD 1 . Please clear the condition | 11.1.2022-Document received, exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 54.79% is below guideline requirement of 70% for this program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTV < 40%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 799 exceeds guideline requirement of 640 for this program. |
| XXXXXX | 933548 | 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 | Terms/Guidelines | Active B | CRDTER127 | Payment shock does not meet guidelines | No | Max payment shock for XXXXXX Cash Out refinance on a Primary Residence if 300%; the payment shock for this file is 610%. File does not meet guidelines. | (No Data) | File does not meet the guidelines for payment shock of 300%. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years living at subject property.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 8.3 years XXX and XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 8.3 years in the XXX field.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 661 mid-score per CBR. |
| XXXXXX | 933503 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt D C | D | A D C | D | A | Compliance | Documentation | Satisfied D A | CMPDOC225 | Missing Rider | No | Provide fully executed Riders. File contained unsigned copies. | 11/11/2022 - Client response - see attached Note and Deed of Trust. Please clear this exception | 11/15/2022 - Clayton conclusion - Exception satisfied, Client provided signed Riders | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 683 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 82 months of consumer credit history 0x30<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $117,635.88 in excess reserves in file. |
| XXXXXX | 933503 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt D C | D | A D C | D | A | Compliance | Documentation | Satisfied D A | CMPDOC5473 | Missing Prepayment Penalty Addendum | No | Provide signed Prepayment Addendum and all Note Addendums. File contained unsigned Addendums to the Note. | 11/11/2022 - Client response - See attached Note and Deed of Trust. Please clear this condition | 11/15/2022 - Clayton conclusion - Exception satisfied, Client provided Prepayment Penalty Addendum | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 683 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 82 months of consumer credit history 0x30<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $117,635.88 in excess reserves in file. |
| XXXXXX | 933503 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt D C | D | A D C | D | A | Compliance | Documentation | Satisfied D A | CMPDOC806 | Notary Status is missing | No | Notary is missing in file. | 11/9/2022 - Client response - Please see attached DOT. Please clear condition | 11/9/2022 - Clayton conclusion - Exception satisfied, Client provided DOT with Notary page. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 683 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 82 months of consumer credit history 0x30<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $117,635.88 in excess reserves in file. |
| XXXXXX | 933503 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt D C | D | A D C | D | A | Compliance | Documentation | Satisfied D A | CMPDOC869 | Mortgage not signed | No | Mortgage in file is not signed. | 11/9/2022 - Client response - Please see attached DOT. Please clear condition | 11/10/2022 - Clayton conclusion - Exception satisfied, Client provided executed DOT. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 683 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 82 months of consumer credit history 0x30<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $117,635.88 in excess reserves in file. |
| XXXXXX | 933503 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt D C | D | A D C | D | A | Credit | Legal Documents | Satisfied D A | CRDLGL2277 | Note Not Executed | No | Note not executed/signed by borrower | 11/9/2022 - Client response - Please see attached Note. Please clear condition | 11/10/2022 - Clayton conclusion - Exception satisfied, Client provided executed Note. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 683 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 82 months of consumer credit history 0x30<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $117,635.88 in excess reserves in file. |
| XXXXXX | 933503 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt D C | D | A D C | D | A | Property Valuations | Property | Satisfied C A | PRVAPROP179 | Condition of Subject Below Average | No | C5 condition per appraisal for subject property. Condition rating is below required guideline minimum | 11.10.2022 Client responded - Please see attached 1004D upgrading subject to C4 condition. Please clear this exception. | 11.10.2022 Client sent the 1004D showing the work completed and condition of property updated to a C4 condition. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 683 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 82 months of consumer credit history 0x30<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $117,635.88 in excess reserves in file. |
| XXXXXX | 933550 | 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 percent tolerance fee of $29.59 for increase in Transfer Tax Fee from 1,540.00 to $1,569.59. Missing change of circumstance. Provide corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. | 11.30.22-Client provided PCCD 11.21.22 , refund check of $29.59 & proof of delivery.Exception Satisfied. | 11.30.22-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 93.61 months of reserves in file.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 658 mid-score in file. |
| XXXXXX | 933673 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 65.00% below program maximum 80.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $353,773.25. No reserves required, LTV equal to 65.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 752 above program requirement 640. |
| XXXXXX | 933675 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 67% and maximum allowed is 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $365,495.75, required reserves $2695.80 x 6 = $16,174.80.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 752 and minimum required is 640 |
| XXXXXX | 933662 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 58.62% is below guideline requirement of 75% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 680 exceeds guideline requirement of 640 for this program. |
| XXXXXX | 933521 | XXXXXX | ID | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70% and maximum allowed is 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $20,176.00; required reserves $1658.83 x 6 = $9952.98.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 756 and minimum required is 640 |
| XXXXXX | 933438 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 21 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 76.50% is below guideline requirement of 80% for this program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is < 20% |
| XXXXXX | 933508 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B C | D | A D B C | D | A | Compliance | Documentation | Satisfied C A | CMPDOC3076 | Legal document was not executed or is incomplete | No | 1-4 Family Rider, Interest Rate Rider, Prepayment Rider, Business-Purpose Rider are all not signed by the borrower. | 11.9.2022 Client responded - PLEASE see the attached DOTWITH ALL RIDERS. Please clear the condition | 11.9.2022 Client sent the fully executed Deed of Trust with the 1-4 Family Rider, Interest Rate Rider, Prepayment Rider, and Business Purpose. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 7 years 3 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 71.40% below program maximum 80.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $105,963.70. Required reserves 6 months x PITI $1,217.89 = $7,307.34. |
| XXXXXX | 933508 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B C | D | A D B C | D | A | Compliance | Documentation | Satisfied D A | CMPDOC806 | Notary Status is missing | No | Mortgage dated XXX is not Notarized. | 11.9.2022 Client responded - Please see the attached executed DOT/ Notary. Please clear the condition | 11.9.2022 Client sent the Deed of Trust with the Notary seal. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 7 years 3 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 71.40% below program maximum 80.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $105,963.70. Required reserves 6 months x PITI $1,217.89 = $7,307.34. |
| XXXXXX | 933508 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B C | D | A D B C | D | A | Compliance | Documentation | Satisfied D A | CMPDOC869 | Mortgage not signed | No | Mortgage dated XXX is not signed by borrower. | 11.9.2022 Client responded - Please see the attached executed DOT. Please clear the condition | 11.9.2022 - Client sent the fully executed Mortgage. Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 7 years 3 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 71.40% below program maximum 80.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $105,963.70. Required reserves 6 months x PITI $1,217.89 = $7,307.34. |
| XXXXXX | 933508 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B C | D | A D B C | D | A | Credit | Application | Satisfied D A | CRDAPP157 | Application Not Signed by Primary Borrower | No | Missing final 1003. Provide complete copy of borrower executed final 1003 for review. | 11.9.2022 Client responded - Please see the attached final 1003 for the bwr. Please clear the condition | 11.9.2022 Client sent the fully executed final 1003. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 7 years 3 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 71.40% below program maximum 80.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $105,963.70. Required reserves 6 months x PITI $1,217.89 = $7,307.34. |
| XXXXXX | 933508 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B C | D | A D B C | D | A | Credit | Legal Documents | Satisfied D A | CRDLGL2277 | Note Not Executed | No | Missing copy of executed note and executed note addendums. Only unsigned copies were located in file. Provide executed note and addendums for review. | 11.9.2022 Client responded - Please see the attached executed note. Please clear the condition | 11.9.2022 Client sent the fully executed Note. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 7 years 3 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 71.40% below program maximum 80.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $105,963.70. Required reserves 6 months x PITI $1,217.89 = $7,307.34. |
| XXXXXX | 933508 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B C | D | A D B C | D | A | Credit | Terms/Guidelines | Active C B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Loan does not meet minimum equity requirement of $50,000.00. Market Value $XXX less loan amount $XXX = $46,474.00 equity. Approved credit exception in file for equity of $46,474.00 being below minimum requirement. | 11.9.2022 Client responded - Please see the attached loan exception for the correct amt. Please clear the condition 11.23.222 Client responded - Comments state that exception will remain open but be upgraded to B. Please upgrade condition to B as it's still showing C. | 11.9.2022 Upon further review from Clayton Sr. Credit UW Exception approval provided for less than $50,000 in equity, $46,474.00, with compensating factors of credit score of 772 with solid credit history, property in good market and 7 years in current home. Exception remains, however deemed non material, not a fatal issue and graded as a B. Exception remains. 11.23.2022 Final graded changed to Grade B. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 7 years 3 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 71.40% below program maximum 80.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $105,963.70. Required reserves 6 months x PITI $1,217.89 = $7,307.34. |
| XXXXXX | 933508 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B C | D | A D B C | D | A | Property Valuations | FEMA | Satisfied C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | FEMA XXX reported with declaration date XXX and effective date XXX for XXX. No subsequent inspection located in file. | 11.22.2022 Client responded - This exception is inaccurate. Appraisal included in the file dated 10/07/2022 has noted an inspection date of 10/07/2022. This is subsequent to FEMA disaster declaration of 9/29/2022. Please clear exception. | 11.22.2022 Exception satisfied. Appraisal says based on conditions observed the property was not affected by Hurricane XXX. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 7 years 3 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 71.40% below program maximum 80.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $105,963.70. Required reserves 6 months x PITI $1,217.89 = $7,307.34. |
| XXXXXX | 933644 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC806 | Notary Status is missing | No | Provide the fully executed Mortgage with the Notary stamp and dated. | 11/22/2022 - Client response - See attached Executed Mortgage. Please clear exception. | 11/23/2022 - Clayton determination - Exception satisfied, Client provided executed Mortgage. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 713 exceeds guideline 660<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0X30, 60, 90 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $211,834.44 - Cash to close $110,115.46 = $101,718.98 in reserves or 44.22 months PITI |
| XXXXXX | 933644 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC869 | Mortgage not signed | No | Provide the fully executed Mortgage and riders. | 11/22/2022 - Client response - See attached Executed Mortgage. Please clear exception. | 11/23/2022 - Clayton determination - Exception satisfied, client provided executed Mortgage. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 713 exceeds guideline 660<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0X30, 60, 90 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $211,834.44 - Cash to close $110,115.46 = $101,718.98 in reserves or 44.22 months PITI |
| XXXXXX | 933644 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Credit | Assets | Satisfied D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing 100% account access letter for XXX account ending #XXX executed by XXX | 11.23.2022 Client responded - XXX is not required to provide account access letter. Access Letter is for Agency loans, not for Non-QM. Please clear this exception. | 11.23.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 713 exceeds guideline 660<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0X30, 60, 90 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $211,834.44 - Cash to close $110,115.46 = $101,718.98 in reserves or 44.22 months PITI |
| XXXXXX | 933552 | XXXXXX | IN | 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 | CMPDOC225 | Missing Rider | No | Missing fully executed Riders that support the Deed of Trust and Note. | 12.8.22-Client provided executed Rider. Exception Satisfied. | 12.8.22-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 5 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI < 40% |
| XXXXXX | 933552 | XXXXXX | IN | 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 | CMPDOC806 | Notary Status is missing | No | Notary is missing | 12.8.22-Client provided executed mortgage, including notary section. Exception Satisfied. | 12.8.22-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 5 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI < 40% |
| XXXXXX | 933552 | XXXXXX | IN | 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 | Missing fully executed Deed of Trust/Mortgage. | 12.8.22-Client provided executed mortgage, including notary section. Exception Satisfied. | 12.8.22-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 5 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI < 40% |
| XXXXXX | 933511 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 61.20% and maximum allowed is 75%<br>CFCFS1752: No Verified Compensating Factors<br> - Clayton Comments: Unable to determine any additional compensating factors, borrowers are foreign nationals. |
| XXXXXX | 933587 | XXXXXX | SC | 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 | State Consumer Protection | Active B | CMPSTCP1151 | SC Home Loans - Broker 'Amounts Earned' Disclosure not in file | No | Broker 'Amounts Earned' Disclosure is not in file | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower 1 has been at current job 6 years 9 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 26.51% below program maximum 50.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $107,774.57. Required reserves 6 months x PITIA $6,152.83 = $36,916.98. |
| XXXXXX | 933587 | XXXXXX | SC | 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 | State Consumer Protection | Active B | CMPSTCP1159 | SC Home Loans - Designated Agency Disclosure not in file | No | Designated Agency Disclosure is not in file | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower 1 has been at current job 6 years 9 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 26.51% below program maximum 50.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $107,774.57. Required reserves 6 months x PITIA $6,152.83 = $36,916.98. |
| XXXXXX | 933587 | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | 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 | 11/16/2022 - Client response - Please see the attached the bwr acknowledged receipt of the cd . Please clear the condition 11/17/2022 - Client response #2 - Please see the attached the bwr acknowledged receipt of the cd . Please clear the condition .. PLEASE CLEAR | 11/17/2022 - Clayton conclusion - Exception Remains. Client provided 2 CDs that were not signed so can not verify receipt date. 11/18/2022 - Clayton determination #2 - Exception satisfied, Client provided proof borrower signed on XXX | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower 1 has been at current job 6 years 9 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 26.51% below program maximum 50.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $107,774.57. Required reserves 6 months x PITIA $6,152.83 = $36,916.98. |
| XXXXXX | 933587 | XXXXXX | SC | 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 | Application | Satisfied C A | CRDAPP2658 | Missing 3rd-party anti-fraud report | No | Drive report located in file for B1 with no issues found however missing third party fraud report for B2. Provide third party fraud report for B2 for review. | 11.15.2022 Client responded - Please see the attached bwr 2 fraud report. Please clear the condition | 11.15.2022 Client sent the 3rd party fraud report for B2. Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower 1 has been at current job 6 years 9 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 26.51% below program maximum 50.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $107,774.57. Required reserves 6 months x PITIA $6,152.83 = $36,916.98. |
| XXXXXX | 933636 | XXXXXX | IL | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Terms/Guidelines | Active C B | CRDTER3262 | Property issues indicated | No | Equity is $49650 which is less than minimum equity of 50K for this program. | 11.14.2022-Clients response: November 14th 2022, 3:52:02 pmPlease see the attached loan exception for less than minimum equity of 50K . Please clear the condition. | 11.14.2022-Sr. Clayton Underwriter has reviewed the Credit Exception Request Form approved by upper management allowing for less than $50,000 in equity in the subject property. The exception remains, however, is deemed non-material as this is not a fatal issue. The compensating factors are fico 753, LTV 75% and total equity of $49,650. The securitization grade has been updated from material to non-material. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 71.40% is below guideline requirement of 80% for this program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 753 exceeds guideline requirement of 660 for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current. |
| XXXXXX | 933664 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC806 | Notary Status is missing | No | Mortgage document is an unsigned copy. Please provide copy of Notary. | 11/22/2022 - Client response - See attached Recorded Mortgage. Please clear condition | 11/23/2022 - Clayton determination - Exception satisfied, Client provided Mortgage with Notary page. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 66.30% is below guideline requirement of 80% for this program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 737 exceeds guideline requirement of 640 for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current |
| XXXXXX | 933664 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC869 | Mortgage not signed | No | Mortgage document is an unsigned copy. Please provide the original fully executed Mortgage or a certified copy along with all applicable riders. | 11/22/2022 - Client response - See attached Recorded Mortgage. Please clear condition | 11/23/2022 - Clayton determination - Exception satisfied, Client provided executed Mortgage. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 66.30% is below guideline requirement of 80% for this program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 737 exceeds guideline requirement of 640 for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current |
| XXXXXX | 933610 | XXXXXX | SC | (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 current residence for over 5 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 3 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current |
| XXXXXX | 933608 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $1,075,457.49 exceed guidelines<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession 7 years 3 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 761 exceed guidelines |
| XXXXXX | 933632 | 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 | Personal Guaranty is not signed. Provide the Personal Guaranty executed by XXX. | 11.15.2022 Client responded - Clayton has not received the response. Exception remains. | 11.15.2022 Client sent the fully executed Personal Guaranty. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 784 above program requirement 640.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has low use of consumer credit. Credit line usage 13.91%.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no mortgage delinquency reported. |
| XXXXXX | 933632 | 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 | Only estimated HUD-1 in file. Missing Final HUD-1. Provide final for review. | 11.15.2022 Client responded - Please see the attached final Hud 1. Please clear the condition | 11.15.2022 Client sent the Final HUD1 Settlement statement. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 784 above program requirement 640.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has low use of consumer credit. Credit line usage 13.91%.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no mortgage delinquency reported. |
| XXXXXX | 933678 | XXXXXX | CA | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Assets | Satisfied C A | CRDAST205 | Insufficient Funds to Close | No | Total assets verified $145,663.54; effective assets $132,947.52, liquid assets $103,276.81. Post closing reserves ($95,749.40), no funds for required reserves $4486.28 x 6 = $26,197.68, total shortage $122,667.08. Emd funds not verified. | 11.14.2022-Clients response: November 14th 2022, 4:07:20 pmPlease see the attached . Please clear the condition 11.15.2022 Client responded - Please see the attached statements showing using them as reserves/ cash to close | 11.14.2022-Received wire receipts for $154,639.23 but these funds need to be put into an account in order to use them as reserves and cash to close. Exception remains.11.15.2022 After further review, File is missing the Gift Letter from XXX with funds of $184,106 with the funds from XXX. The 1003 stated "Other" for $184,106.00. File is short $122,667.08 in funds for closing and to cover reserves. Documents sent were the same documents in the file. Exception remains.11.16.2022-Received the gift letter in the amount of $154,639.23 and the Receipt for the Wire in the amount of $154,639.23. Exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 71.40% and maximum allowed is 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 776 and minimum required 640 |
| XXXXXX | 933678 | 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 | Total assets verified $145,663.54; effective assets $132,947.52, liquid assets $103,276.81. Post closing reserves ($95,749.40), no funds for required reserves $4486.28 x 6 = $26,197.68, total shortage $122,667.08. | 11.14.2022-Clients response:November 14th 2022, 4:07:20 pmPlease see the attached . Please clear the condition 11.15.2022 Client responded - Please see the attached accounts showing the reserves/ cash to close. Please clear the condition.11.16.2022-Clients response: November 15th 2022, 4:38:37 pmPlease see the attached gift letters Please clear the condition | 11.14.2022-Received wire receipts for $154,639.23 but these funds need to be put into an account in order to use them as reserves and cash to close. Exception remains.11.15.2022 After further review, File is missing the Gift Letter from XXX with funds of $184,106 with the funds from XXX. The 1003 stated "Other" for $184,106.00. File is short $122,667.08 in funds for closing and to cover reserves. Documents sent were the same documents in the file. Exception remains.11.16.2022-Received the gift letter and the receipt of wire for $154,639.23. Cash after closing $58,889.83. Sic months of reserves $26,197.68. Exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 71.40% and maximum allowed is 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 776 and minimum required 640 |
| XXXXXX | 933645 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 76.50% is below guideline requirement of 80% for this program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 742 exceeds guideline requirement of 700 for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current. |
| XXXXXX | 933677 | XXXXXX | FL | (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 9 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guideline minimum 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $225,719.24 - Cash to close $146,964.51 = $78,754.73 in reserves |
| XXXXXX | 933652 | XXXXXX | CO | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Property Valuations | Property | Active B | PRVAPROP177 | Property Issues Indicated | No | Appraiser to provide an additional comp of log style home similar in size to subject, that sold within the last 12 months. XXX requires 2 log style sales comps within last 12 months. | (No Data) | 11.11.2022-Sr. Clayton Underwriter has reviewed the Credit Exception Request approved by upper management to not require an additional log style home comp for the appraisal. The exception remains, however, is deemed non-material due to this not being a fatal issue. The compensating factors for this loan is fico 775, LTV 56% and excellent mortgage history. 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 lived at primary residence for 12 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 775 mid-score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 101.46 months of reserves in file. |
| XXXXXX | 933513 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 721 mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 14 years at the primary residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 73 months of 0x30 mortgage history per CBR. |
| XXXXXX | 933555 | 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: Borrower has been in profession for over 15 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 78.95% is below guideline requirement of 80% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current |
| XXXXXX | 933647 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied B A | CMPDOC2514 | Mortgage/Deed of Trust has not been recorded and/or sent for recording | No | Deed of Trust dated XXX has not been notarized or signed by borrower. No indication DOT has been sent for recording. | 11.18.2022-Clients response: November 17th 2022, 1:23:28 pmSee attached Executed Deed of Trust. Please clear exception | 11.18.2022-Document received; exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 60.00% below program maximum 80.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $48,706.08. No reserves required, LTV < 65.00%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 15 mos. 0x30 and 19 mos. 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 765 above program requirement 640. |
| XXXXXX | 933647 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC806 | Notary Status is missing | No | Deed of Trust dated XXX has not been notarized or signed by borrower. | 11.18.2022-Clients response:November 17th 2022, 1:22:43 pmSee attached Executed Deed of Trust. Please clear condition | 11.18.2022-Document received; exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 60.00% below program maximum 80.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $48,706.08. No reserves required, LTV < 65.00%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 15 mos. 0x30 and 19 mos. 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 765 above program requirement 640. |
| XXXXXX | 933647 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC869 | Mortgage not signed | No | Deed of Trust and all Riders dated XXX have not been signed by borrower and DOT is not notarized. | 11.18.2022-Clients response: November 17th 2022, 1:30:00 pmSee attached Executed Deed of Trust. please clear condition | 11.18.2022-Document received; exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 60.00% below program maximum 80.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $48,706.08. No reserves required, LTV < 65.00%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 15 mos. 0x30 and 19 mos. 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 765 above program requirement 640. |
| XXXXXX | 933647 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing complete copy of residency card to support borrowers legal residency in US. Final 1003 reflects borrower citizenship status as Permanent Resident Alien. Provide copy of front and back of card for review. | 11.18.2022-Clients response:November 18th 2022, 3:44:37 pmSee attached Perm Res Alien Card. Please clear this condition | 11.18.2022-Document received; exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 60.00% below program maximum 80.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $48,706.08. No reserves required, LTV < 65.00%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 15 mos. 0x30 and 19 mos. 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 765 above program requirement 640. |
| XXXXXX | 933647 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Credit | Insurance | Satisfied D A | CRDINSR848 | Missing Hazard Insurance | No | Missing evidence of hazard insurance for subject property. No evidence of hazard located in file. Provide evidence of hazard insurance with Lender mortgagee clause for review. | 11.18.2022-Clients response: November 17th 2022, 1:15:11 pmSee attached Hazard Insurance. Please clear condition | 11.18.2022-Document received; exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 60.00% below program maximum 80.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $48,706.08. No reserves required, LTV < 65.00%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 15 mos. 0x30 and 19 mos. 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 765 above program requirement 640. |
| XXXXXX | 933647 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR101 | Appraisal incomplete (missing map, layout, pages, etc) | No | Missing complete copy of legible appraisal. Appraisal located in file dated 10/19/22 completed by XXX is cut off on top of pages. Provide fully legible copy for review. | 11.18.2022-Clients response: November 17th 2022, 1:31:10 pmSee attached Complete Appraisal. Please clear conditionsee attached Complete Appraisal. Please clear condition | 11.18.2022-Document received; exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 60.00% below program maximum 80.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $48,706.08. No reserves required, LTV < 65.00%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 15 mos. 0x30 and 19 mos. 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 765 above program requirement 640. |
| XXXXXX | 933617 | 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 33 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 27.08% and maximum allowed is 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $308,503.82. No required reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 809 and minimum required is 640 |
| XXXXXX | 933656 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC806 | Notary Status is missing | No | Missing Executed Notary Page | 12.1.2022-Clients response: November 30th 2022, 5:10:36 pmSee attached Executed Note. Please clear exception.12.1.2022-Clayton's response: Document received; exception is satisfied. | 12.1.2022- Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 34 years, 1 month<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 698 exceeds 640 for DSCR purchase<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $113,947.54 - closing funds of $95,839.96 = $18,107.58 or 7.10 months PITI |
| XXXXXX | 933656 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC869 | Mortgage not signed | No | Missing Executed Mortgage | 12.1.2022-Clients response: November 30th 2022, 5:10:36 pmSee attached Executed mortgage. Please clear exception.12.1.2022-Clayton's response: Document received; exception is satisfied. | 12.1.2022- Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 34 years, 1 month<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 698 exceeds 640 for DSCR purchase<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $113,947.54 - closing funds of $95,839.96 = $18,107.58 or 7.10 months PITI |
| XXXXXX | 933656 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Missing Final and Initial Executed Application. Application in file is not executed. | 12.5.2022-Clients response: December 5th 2022, 2:38:59 pmThe Initial 1003 signed by all is not required on business purpose loans that are not subject to TRID. Please clear this exception12.5.2022-Clayton's response: Provide the 1003 that is signed by the Loan Guarantor and the Loan Officer. Exception remains.12.6.2022-Clients response: December 6th 2022, 10:58:09 amSee attached 1003 signed by the Loan Guarantor and the Loan Officer. Please clear this exception.12.6.2022-Clayton's response: Executed 1003 received; exception is satisfied. | 12.5.2022-Exception remains.12.6.2022-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 34 years, 1 month<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 698 exceeds 640 for DSCR purchase<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $113,947.54 - closing funds of $95,839.96 = $18,107.58 or 7.10 months PITI |
| XXXXXX | 933656 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Credit | Legal Documents | Satisfied D A | CRDLGL1817 | Final HUD-1 is incomplete or illegible | No | Missing Final Executed HUD. HUD in file is not executed. | 12.1.2022-Clients response: November 30th 2022, 5:01:18 pmSee attached Signed Final Closing Statement. Please clear this exception.12.1.2022-Clayton's response: Document received; exception is satisfied. | 12.1.2022-Document received; exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 34 years, 1 month<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 698 exceeds 640 for DSCR purchase<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $113,947.54 - closing funds of $95,839.96 = $18,107.58 or 7.10 months PITI |
| XXXXXX | 933656 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Credit | Legal Documents | Satisfied D A | CRDLGL2277 | Note Not Executed | No | Missing Executed Note | 12.1.2022-Clients response: November 30th 2022, 5:10:36 pmSee attached Executed Note. Please clear exception.12.1.2022-Clayton's response: Document received; exception is satisfied. | 12.1.2022-Document received; exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 34 years, 1 month<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 698 exceeds 640 for DSCR purchase<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $113,947.54 - closing funds of $95,839.96 = $18,107.58 or 7.10 months PITI |
| XXXXXX | 933656 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Executed 4506-C. Document in file is not executed. | 12.1.2022-Clients response: November 30th 2022, 5:21:16 pmSee attached signed 4506-C-W9. Please clear exception12.1.2022-Claytons response: Document received; exception is satisfied. | 12.1.2022-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 34 years, 1 month<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 698 exceeds 640 for DSCR purchase<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $113,947.54 - closing funds of $95,839.96 = $18,107.58 or 7.10 months PITI |
| XXXXXX | 933604 | 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 | Missing final signed HUD1; document in file shows estimated | 11.15.2022 Client responded - Please see the attached Final Hud 1. Please clear the condition | 11.15.2022 Client sent the Final HUD1 Settlement statement. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 804 and minimum required is 640<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $1,170,788.22, required reserves $9382.64 x 6 = $56,295.84.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has no late pays with over 7 years reporting. |
| XXXXXX | 933514 | XXXXXX | CA | (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 34 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 76.50% is below guideline requirement of 80% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current |
| XXXXXX | 933646 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 44.98% is below the maximum allowable 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 726 is above the minimum required 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash back at closing $344,313.51.Required reserves 0. Excess reserves $344,313.51. |
| XXXXXX | 933676 | XXXXXX | VA | (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 20 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70% and maximum allowed is 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $233,276.05; required reserves $3242.45 x 6 = $19,454.70.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit report is 772 and minimum required is 640 |
| XXXXXX | 933558 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | Texas Home Equity | Active B | CMPTXHE308 | Voluntary Same-Lender Debt disclosure not provided to borrower | No | This has to be provided to borrower. No record of this in file. | (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 24 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for over 11 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current |
| XXXXXX | 933624 | XXXXXX | MD | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Application | Satisfied C A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Guidelines require a satisfactory fraud report on each borrower. Lender provided a fraud report on Borrower 1 only.Provide a satisfactory fraud report on Borrower 2. | 12.6.2022-Clients response: December 6th 2022, 3:20:27 pmSee attached Fraud Report with both borrowers. Please clear exception.12.6.2022-Clayton's response: Drive report received; exception is satisfied. | 12.6.2022-Exception is satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 691 exceeds minimum required 640.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60% is below the maximum allowable of 75% per XXXXXX 9-19-22 rate sheet.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash back at closing $58,449.81.Required reserves 0 months at 60% LTV. Excess reserves $58,449.81. |
| XXXXXX | 933559 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in current profession for 19 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 706 and minimum required is 640<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 14.27% and maximum allowed is 50%. |
| XXXXXX | 933665 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP155 | Application Missing | No | Missing 1003 Application for Co-Guarantor XXX 50% owner of LLC. Final Loan approval and guidelines require a 1003. | 12.02.2022-Clients response: December 1st 2022, 2:54:56 pmSee attached XXX Response. Please clear this exception.12.02.2022-Clayton's response: Provide an updated 1003 showing on the application that the borrower is applying for individual credit. Exception remains. 12.6.2022-Clients response: December 6th 2022, 3:00:52 pmSee attached 1003 showing borrower applying for individual credit. Please clear exception.12.6.2022-Clayton's response: Loan application received showing individual credit; exception is satisfied. | 12.02.2022-Exception remains.12.6.2022-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below the maximum allowable of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 767 exceeds minimum required 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $47,134.25. Required reserves 6 months X $2,399.52 = $14,397.12. Excess reserves $32,737.13. |
| XXXXXX | 933666 | 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 15 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 75% is below guideline requirement of 80% for this program. |
| XXXXXX | 933680 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 658 qualifying credit score in file.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 17.2 years residing at primary residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 82 months of 0x30 mortgage history per CBR in file. |
| XXXXXX | 933535 | XXXXXX | GA | 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: 679 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 80 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 12.91 months of reserves in file. |
| XXXXXX | 933628 | XXXXXX | NJ | (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 | Minimum equity of 40.5K is below guideline requirement of 50K for this program. | (No Data) | 12.2.2022 Upon further review by Sr. Clayton UW, Exception in file approved by Management is for less than $50,000 in equity with compensating factors of 24 months at current address, No credit lates in last 2 years meets number of trade lines and market is in good shape. LTV 75%, FICO 675 and benefit to borrower. Clayton deems Non-Material graded as L2. Exception will remain. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current<br>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 75% is below guideline requirement of 80% for this program. |
| XXXXXX | 933667 | 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 6 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 71.05% is below guideline requirement of 80% for this program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 801 exceeds guideline requirement of 680 for this program. |
| XXXXXX | 933653 | 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 | Missing Post disaster inspection. Appraisal in file completed 9/21/2022. XXX FEMA Declaration date is 9/29/2022. | (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 14 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 76.50% is below guideline requirement of 80% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current |
| XXXXXX | 933648 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied B A | CMPDOC2514 | Mortgage/Deed of Trust has not been recorded and/or sent for recording | No | Deed of Trust dated XXX has not been notarized or signed by borrowers as well as no evidence DOT has been sent for recording. | 11.18.2022 Client responded - PLEASE SEE DOT. PLEASE CLEAR | 11.18.2022 Client sent the recorded copy of the DOT. Exception satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit score 753 exceeds guideline<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets $154,770.55 minus Cash to close $77,651.29 = $77,119.26 in reserves<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months |
| XXXXXX | 933648 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC225 | Missing Rider | No | Missing executed Riders | 11.18.2022 Client responded - Please see the attached riders please clear | 11.18.2022 Client sent the fully executed Riders. Exception satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit score 753 exceeds guideline<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets $154,770.55 minus Cash to close $77,651.29 = $77,119.26 in reserves<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months |
| XXXXXX | 933648 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC806 | Notary Status is missing | No | Deed of Trust dated XXX has not been notarized or signed by borrowers no evidence has been sent for recording. | 11.18.2022 Client responded - PLEASE SEE THE DOT . PLEASE CLEAR | 11.18.2022 Client sent copy of recorded DOT. Exception satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit score 753 exceeds guideline<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets $154,770.55 minus Cash to close $77,651.29 = $77,119.26 in reserves<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months |
| XXXXXX | 933648 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC869 | Mortgage not signed | No | Deed of Trust dated XXX has not been notarized or signed by borrowers as well as no evidence DOT has been sent for recording. | 11.18.2022 Client responded - PLEASE SEE THE ATTACHED DOT | 11.18.2022 Client sent copy of recorded DOT. Exception satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit score 753 exceeds guideline<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets $154,770.55 minus Cash to close $77,651.29 = $77,119.26 in reserves<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months |
| XXXXXX | 933648 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Credit | Application | Satisfied D A | CRDAPP157 | Application Not Signed by Primary Borrower | No | Final Application is not executed by borrower. Final application in file is executed by Loan Originator. | 11.18.2022 Client responded - PLEASE SEE THE ATTACHED 1003 SIGNED.PLEASE CLEAR | 11.18.2022 Client sent the final 1003 signed by the borrower. Exception satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit score 753 exceeds guideline<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets $154,770.55 minus Cash to close $77,651.29 = $77,119.26 in reserves<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months |
| XXXXXX | 933648 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Credit | Assets | Satisfied D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing 100% account access for XXX #XXX executed by XXX giving 100% access of funds to Loan XXX | 11.18.2022 Client responded - Please see the attached bank statement showing both bwrs on the account which make them both have 100% access they are both also on the purchase contract . Only if its a business account would we need to have an LOE. Please clear the condition | 11.18.2022 Client sent the bank statement showing both on the XXX Acct. XXX. Both are on title as husband and wife and on the Purchase contract. Exception satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit score 753 exceeds guideline<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets $154,770.55 minus Cash to close $77,651.29 = $77,119.26 in reserves<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months |
| XXXXXX | 933648 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Credit | Legal Documents | Satisfied D A | CRDLGL2277 | Note Not Executed | No | Note dated XXX has not been signed by borrower. | 11.18.2022 Client responded - PLEASE SEE THE ATTACHED EXECUTED NOTE . PLEASE CLEAR THE CONDITION | 11.18.2022 Client sent the fully executed Note with the Note addendums. Exception satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit score 753 exceeds guideline<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets $154,770.55 minus Cash to close $77,651.29 = $77,119.26 in reserves<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months |
| XXXXXX | 933585 | XXXXXX | AR | 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 | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Guidelines require a 12 month consecutive payment history verified. Lender provided cancelled checks reflecting mortgage paid from 11-15-21 to 9-25-22 and 9-22-21. Provide evidence of 12 months consecutive payments - missing payment made in October. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 631 exceeds minimum required 600.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60.26% is below the maximum allowable of 75%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 39.38% is below the maximum allowable 50%. |
| XXXXXX | 933606 | XXXXXX | TX | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | DTI | Satisfied C A | CRDDTI187 | Debt Ratio > 50% | No | Debt Ratio > 50% at 50.84% due to Primary Residence payment amount was not used in calculations. Primary Mortgage is being held by previous owners and does not appear on Borrower's credit report. Verification of Mortgage from previous owners and Mortgage Statement are in file and bookmarked. Lender qualified with front and back ratios of 17.78/38.37%. Credit U/W calculated at 15.69/50.84% using Primary residence Mortgage Statement payment. | 12.8.2022 Client responded - See attached 1008 with the Primary residence payment added. Please clear this exception. 12.8.2022 - Clayton's response: The 1008 provided shows total debts of $4, 4186.65 and ratios of 17.78% and 38.37% the borrowers primary resident payment is not included. The proposed monthly payment is $2,767.47, primary housing is $1,907.18 and consumers debts $1068-Total of the three is $5,742.65. The DTI is over 50%. 1003 indicates expected rental income of $2,000 but is not supported with the loan documents. Exception remains.12.8.2022-Clients response: December 8th 2022, 2:59:03 pmPlease see attached Appraisal -1007 on page 12 to support the $2,000 per month rental income. Please clear exception. 12.8.2022-Clayton's response: Received the 1007 showing monthly market value of $2,000 for the subject property. Exception is satisfied. | 12.8.2022-Exception remains. 12.8.2022-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 798 exceeds guidelines with a minimum credit score of 660.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job with 9 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has significant time at current residence with 7 years. |
| XXXXXX | 933606 | XXXXXX | TX | (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 verification of business or a CPA letter verifying the business. | 12.8.2022 Client responded - See attached Business License. Please clear this exception. 12.8.2022 Client sent the current business license for XXX. as active and XXX borrower XXXException satisfied. | 12.8.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 798 exceeds guidelines with a minimum credit score of 660.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job with 9 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has significant time at current residence with 7 years. |
| XXXXXX | 933638 | XXXXXX | MT | (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 $125,349, required reserves $1759.25 x 6 = $10,555.50.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70% and maximum allowed is 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 716 and minimum required is 640 |
| XXXXXX | 933607 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP155 | Application Missing | No | Missing Final Application for XXX who owns 50% of borrowing entity. | 12.1.2022 Client responded - XXX is not on our loan and we do not require for him to have a signed 1003 just because he signed a personal Guarantor he just has the signing authority for the company . Please clear the condition12.1.2022 XXX signed the Note. XXX also signed a Personal Guarantee. The 1003 in file shows that they are applying for joint credit. Please provide the application for XXX. Exception remains12.5.2022-Clayton's response: Received the 1003 showing the borrower applying for individual credit. Exception is satisfied.12.05.2022-Clients response: December 2nd 2022, 12:07:42 pmXXX is not on our loan and we do not require for him to have a signed 1003 just because he signed a personal Guarantor he just has the signing authority for the company . Please clear the condition . Please see the attached updated 103 showing only bwr 12.5.2022-Clayton's response: Received the 1003 showing the borrower applying for individual credit. Exception is satisfied. | 12.1.2022 Exception remains12.5.2022-Exception is satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 762 exceeds guideline 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $158,142.94 or 42 months PITI |
| XXXXXX | 933607 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH183 | Credit report incomplete | No | Missing Credit report for XXX who owns 50% of borrowing entity. | 12.1.2022 Client responded - XXX is not on our loan and we do not require for him to have a credit report just because he signed a personal Guarantor he just has the signing authority for the company . Please clear the condition 12.1.2022 XXX signed the Note. XXX also signed a Personal Guarantee. The 1003 in file shows that they are applying for joint credit. Please provide the application for XXX. Exception remains12.5.2022-Clients response: December 2nd 2022, 12:05:56 pmXXX is not on our loan and we do not require for him to have a credit report just because he signed a personal Guarantor he just has the signing authority for the company . Please clear the condition.12.5.2022-Received the 1003 showing the credit application as an individual; credit report is not required due to the co-borrower being a Loan Guarantor only. Exception is satisfied. | 12.1.2022 Exception remains.12.5.2022-Exception is satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 762 exceeds guideline 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $158,142.94 or 42 months PITI |
| XXXXXX | 933650 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | LTV/CLTV | Satisfied C A | CRDLTV3024 | LTV Exceeds Guideline Requirement by less than 5% | No | LTV of 53.21% is greater than 50% LTV stated on the Docs Out Loan approval. | 11.18.2022 Client responded - Pleas see the attached approval ltv 49.20. Please clear the condition 11.22.2022 Client responded - Please see the attached pricing validation showing no points. to increase the loan amount to $XXX. This increases the LTV from 50% to 53.21% as long as the DSCR ratio is 1 or more and no finance points. Please clear the condition 12.8.2022 Client responded - This is a PURCHASE and although it falls under the TILA/HPML rule, we did condition for and received 2 appraisals, which is the only requirement for a purchase The GLs for a REFI are below and I dont believe we need an exception. Please clear the condition 12.8.2022 Loan is a Purchase and per the guidelines the LTV allowed is 80% with the LTV being 53.17%. Exception satisfied. | 11.18.2022 The client sent the Approved Loan Approval showing LTV of 49.20%. The Loan Approval marked DOCS Out in the file show LTV 53.21% and also state \*\*MAX LTV FOR THIS TRANSACTION WILL BE 50%\*\*. 53.21% is greater than allowed LTV. Exception remains.11.22.2022 Client sent the Mortgage Pricing Options with a Base loan amount of $XXX and a value of $XXX. The purchase price was $XXX and closed XXX which was less than 6 months. The value used for the LTV was $XXX. With a loan amount of $XXX the LTV is 49.19%. The loan amount per the Note is $XXX which makes the LTV 53.21%. Borrower did not pay any points per the HUD. Documents provided do not support the higher LTV. Exception remains.12.8.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $56,543.17. Required reserves 0 months required based on LTV below 65%. Excess reserves $56,543.17.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 781 exceeds minimum required 640.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 53.21% is below the maximum allowable of 70%. |
| XXXXXX | 933649 | XXXXXX | NH | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Property is a short term rental and the following are requirements for the type of property.1. Satisfactory evidence that short term rental use is legal in the subject property's jurisdiction.2. All required registrations, licenses, permits, and business tax certificates must be provided and reviewed.3. Satisfactory evidence that the owner has registered and paid all required transient occupancy taxes.4. Satisfactory evidence of commercial insurance covering the property as a short-term rental with a minimum $1,000,000 in coverage for commercial liability as well as coverage for damage to the subject property caused by guests of at least the loan amount or guaranteed replacement coverage. | 12.13.2022 Client responded - The subject property is a monthly/long term rental. This is not a short term rental and comps are based on long term rentals. XXX only requires the short term rental info for daily short term rentals not monthly or long term. Please clear this exception. 12.13.2022 Per Rental agreement in file the property is rented from December 10, 2022 through April 23, 2022 (4months and 13 days. Not considered a short term rental is is considered seasonal rental. Appraisal comparables are like properties in the same area and no evidence of XXX rental. Exception satisfied. | Exception satisfied.. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 28 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been in current job for 24 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 39.74% and maximum allowed is 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $99,215.22; required reserves none. |
| XXXXXX | 933620 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 42.86% is below guideline 70% for c/o refinance.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 769 is greater than 700 per guideline<br>CFCFS2860: Good credit history<br> - Clayton Comments: OX30, 60, 90 past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets $7,062.95 or 4.69 months PITI |
| XXXXXX | 933654 | XXXXXX | IN | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $21,070.54; required reserves $1851.34 x 6 = $11,108.04.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 763 and minimum required is 640<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has good credit history with no late pays in over 9 years of reporting. |
| XXXXXX | 933619 | XXXXXX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 31.58% and maximum allowed is 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $137,709.33, required reserves none.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 769 and minimum required is 640 |
| XXXXXX | 933682 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP157 | Application Not Signed by Primary Borrower | No | Missing Final and Initial application signed by Primary Borrower XXX | 11.28.22- Provided signed 1003; exception satisfied | 11.28.22- Provided signed 1003; exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 55% is less than 80% LTV per guideline for DSCR and loan amount < 1.5M and<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 749 is greater than guideline 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past due in 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets $430,338.21 (from sale of property) - closing funds $398.567.65 = $31,770.56 in reserves or 7.10 months PITI |
| XXXXXX | 933682 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP227 | Application Not Signed by Co-Borrower | No | Missing Final and Initial application signed by Co Borrower XXX | 11.28.22- Provided signed 1003; exception satisfied | 11.28.22- Provided signed 1003; exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 55% is less than 80% LTV per guideline for DSCR and loan amount < 1.5M and<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 749 is greater than guideline 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past due in 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets $430,338.21 (from sale of property) - closing funds $398.567.65 = $31,770.56 in reserves or 7.10 months PITI |
| XXXXXX | 933613 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 53.69% is below guideline requirement of 70% for this program.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for over 5 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Open tradelines are current |
| XXXXXX | 933672 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 712 mid-score per CBR<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 82 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 49.57 months of reserves in file. |
| XXXXXX | 933516 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Borrower received a gift in the amount of $15,000 provide the documentation to support the funds being wired to the title company or the funds being given to the borrower. | 11.8.2022 Client responded - Please see the attached proof of the wire transfer for the $15,000. Please clear the condition. | 11.8.2022 Client sent the proof of the $15,000 deposit from the borrower. Wire Notification from XXX. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 706 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 51 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 25 months of 0x30 mortgage history per CBR. |
| XXXXXX | 933516 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Credit | Terms/Guidelines | Active C B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Loan program requires $50,000 in equity; loan does not meet the condition-off by $12,000. | (No Data) | 11.4.2022-Sr. Clayton Underwriter has reviewed the Credit Exception Request Form approved by upper management allowing less than $50,000 in equity. The exception remains but is deemed non-material due to this not being a fatal issue. The compensating factors are 706 fico, DSCR 1.2662, 6 months PITI in reserves and clean mortgage histories. The securitization grade has been changed from material to non-material. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 706 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 51 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 25 months of 0x30 mortgage history per CBR. |
| XXXXXX | 933516 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Property Valuations | FEMA | Satisfied C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | On September XXX a natural disaster was declared due to 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. Provide this inspection with pictures showing the boards for of the windows. | 11.23.2022-Clients response: November 22nd 2022, 6:00:23 pmPer comments, appraisal submitted with file was completed post-disaster with inspection date of XXX. No additional inspection is required to ensure the integrity of the property. I assume the last sentence of the exception detail is to request pictures showing the boards have been removed from the property. Please see attached pictures which were received by XXX on 10/26. XXX utilized these pictures to clear the UW condition for evidence the boards were removed from the windows. Please clear exception. | 11.23.2022-Pictures received; exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 706 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 51 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 25 months of 0x30 mortgage history per CBR. |
| XXXXXX | 933685 | 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 1031 Exchange Agreement and verification of funds in the amount $177,041.64 wired to the title company. | 11.23.2022-Clients response: November 22nd 2022, 1:07:14 pmPlease see the attached 10031 Exchange Agreement and verification of funds. Please clear the condition.11.28.2022-Clients response: November 23rd 2022, 12:48:41 pmPlease see the attached 10031 Exchange Agreement and verification of funds. Please clear the condition | 11.23.2022-Provide the 1031 Exchange Agrreement. Exception remains.11.28.2022-Document received; exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 745 qualifying credit score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $32,820.11 in excess reserves in file. |
| XXXXXX | 933685 | 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 the final HUD1/CD executed by all parties and certified by the title company. | 11.23.2022-Clients response: November 22nd 2022, 1:10:10 pmPlease see the attached Final Hud 1 stamped certified on the left hand side. Please clear the condition.11.28.2022-Clients response: November 23rd 2022, 1:27:26 pmPlease see the attached and please clear the condition 11.29.2022 Client sent the Master Final Settlement Statement of the borrowers XXX. Exception satisfied | 11.23.2022-HUD1 received is not executed by the borrowers. Exception remains.11.28.2022-Please provide the HUD1 that has been executed/acknowledged by the borrowers. Exception remains.11.29.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 745 qualifying credit score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $32,820.11 in excess reserves in file. |
| XXXXXX | 933601 | 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 | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | Provide business licenses for both of the borrowers businesses;XXX and XXX. | 11.18.2022-Clients response: November 17th 2022, 5:04:34 pmPlease see the attached Business license. Please clear the conditions | 11.18.2022-Document received; exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 702 mid-score for B1 qualified per CBR in file.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 75 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $293,038 in excess reserves in file. |
| XXXXXX | 933637 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP157 | Application Not Signed by Primary Borrower | No | Missing the final signed 1003. | 11.28.2022-Clients response: November 23rd 2022, 2:38:16 pmPlease see the attached final signed 1003. Please clear the condition | 11.28.2022-Document received; exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 779 mid-score per CBR<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 99 months of 0x30 consumer history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 99 months of 0x30 mortgage history per CBR. |
| XXXXXX | 933637 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL2277 | Note Not Executed | No | Missing a signed final Note. | 11.28.2022-Clients response: November 23rd 2022, 2:36:18 pmPlease see the attached executed note. Please clear the condition Please see the attached executed note. Please clear the condition | 11.28.2022-Document received; exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 779 mid-score per CBR<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 99 months of 0x30 consumer history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 99 months of 0x30 mortgage history per CBR. |
| XXXXXX | 933618 | 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 12 months cancelled checks front and back for 1st mortgage on subject property with XXX, XXX | 12.2.2022 Client responded - Please see the attached history with XXX. Please clear the condition 12.2.2022 Client sent the Note for the XXX. No payments are due and payable until Note is due 1.1.2022. Monthly payments do not apply. Client sent proof of payments for XXX, verifying 5 payments. XXX was paid off 5/12/2022 per HUD in file. Exception satisfied. | 12.2.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 50 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 42.42% is less than guideline requirement of 70% for C/O refinance with credit score 707<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 707 exceeds guideline 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months |
| XXXXXX | 933686 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC806 | Notary Status is missing | No | Mortgage document is an unsigned copy. Please provide a fully executed original or a certified copy with notary. | 11.23.2022 Client responded - See attached Executed Mortgage. Please clear condition | 11.23.2023 Client sent the fully executed Mortgage with the Notary seal. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 18 years 9 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 63.59% below program maximum 70.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 771 above program requirement 640. |
| XXXXXX | 933686 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC869 | Mortgage not signed | No | Mortgage document is an unsigned copy. Please provide a fully executed original or a certified copy. | 11.23.2022 Client responded - See attached Executed Mortgage. Please clear exception | 11.23.2022 Client sent the signed mortgage with the riders. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 18 years 9 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 63.59% below program maximum 70.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 771 above program requirement 640. |
| XXXXXX | 933686 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Credit | Application | Satisfied D A | CRDAPP157 | Application Not Signed by Primary Borrower | No | No Final 1003 was located in file and initial 1003 located in file is not signed by B1. Provide fully executed Final 1003 for review. | 11.28.2022 Client responded - See attached 1003 signed by borrowers. Please clear condition | 11.28.2022 Client sent in the signed 1003 for the Borrower and Co-borrower. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 18 years 9 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 63.59% below program maximum 70.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 771 above program requirement 640. |
| XXXXXX | 933686 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Credit | Application | Satisfied D A | CRDAPP227 | Application Not Signed by Co-Borrower | No | No Final 1003 was located in file and initial 1003 located in file is not signed by B2. Provide fully executed Final 1003 for review. | 11.28.2022 Client responded - See attached 1003 signed by borrowers. Please clear condition | 11.28.2022 Client sent in the signed 1003 for the Borrower and Co-borrower. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 18 years 9 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 63.59% below program maximum 70.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 771 above program requirement 640. |
| XXXXXX | 933686 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Credit | Legal Documents | Satisfied D A | CRDLGL1817 | Final HUD-1 is incomplete or illegible | No | Missing a signed or stamped True and Certified Final HUD. File contains a HUD that is not signed or stamped. | 11.23.2022 Client responded - See attached Signed and Certified Final HUD-1. Please clear condition | 11.23.2022 Client sent fully executed Final HUD1 Settlement statement. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 18 years 9 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 63.59% below program maximum 70.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 771 above program requirement 640. |
| XXXXXX | 933686 | 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 located in file is not signed by borrowers. Additionally all addendums to note are not signed by borrowers. Provide copy of executed note and all note addendums for review. | 11.23.2022 Client responded - See attached Executed Note. Please clear condition | 11.23.2022 Client sent fully executed Note including all addendums to the Note. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 18 years 9 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 63.59% below program maximum 70.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 771 above program requirement 640. |
| XXXXXX | 933657 | 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 | Insurance effective date and disbursement date are both XXX | 11.28.2022-Clients response: November 23rd 2022, 3:08:57 pmXXX cannot require insurance prior to the disbursement of the loan. Please clear this exception | 11.28.2022-Document received; exception is satisfied. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is below guideline requirement of 80% for this program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 3 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 759 exceeds guideline requirement of 640 for this program. |
| XXXXXX | 933630 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Property Valuations | Property | Satisfied C A | PRVAPROP177 | Property Issues Indicated | No | Provide the 1007 for the appraisal; Comparable Rent Schedule is required to calculate the DSCR calculation. | 12.1.2022 Client responded - Please see the attached 1007. Please clear the condition 12.1.2022 Client sent the Rent Schedule showing Market rent of $4500 verifying the DSCR $4500 / $3538.15 = 1.2718. Exception satisfied. | 12.1.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at the same residence for over 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 704 exceeds guideline requirement of 700 for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current |
| XXXXXX | 933629 | XXXXXX | NJ | (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 $32,202.49; required reserves $3469 x 6 = $20,814<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 704 and minimum required is 640<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 25 years. |
| XXXXXX | 933633 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Guidelines require a mortgage history covering 12 months.Lender provided credit report reflecting 10 months reported.Provide satisfactory verification of previous mortgage with XXX andXXX and XXX on 1-14-20 in the amount of $246,400. | 12.5.2022 Client responded - will allow them to proceed with no primary housing history if they meet tradelines and have a 5k high/limit trade line Housing history: Current primary housing: Rental lease is not in the borrowers name (in spouses name who is not on our loan) Borrower has a 5K high tradeline to meet the requirement for no primary housing pmt history- Borrower provided LOX regarding current Primary housing pmt history. 12.5.2022 Borrower meets the tradieline requirements. Exception satisfied. | 12.5.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 704 exceeds minimum required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash back at closing $32,537.60 used for reserves.Required reserves 6 months X $3,390.19 = $20,341.14. Excess reserves $12,196.46.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower's credit history with 8 open trade lines and 8 reporting for more than 12 months exceeds requirement of at least 3 trade lines reporting for at least 12 months or 2 trade lines reporting for at least 24 months with activity in past 12 months. |
| XXXXXX | 933633 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Guidelines require satisfactory verification of borrower's primary residence.Lender provided an explanation from borrower stating the lease was in spouse's name only and that payments were made via money orders. Provide satisfactory verification of rent for primary residence. | 12.5.2022 Client responded - December 2nd 2022, 4:08:50 pmwill allow them to proceed with no primary housing history if they meet tradelines and have a 5k high/limit trade line Housing history: Current primary housing: Rental lease is not in the borrowers name (in spouses name who is not on our loan) Borrower has a 5K high tradeline to meet the requirement for no primary housing pmt history- Borrower provided LOX regarding current Primary housing pmt history. 12.5.2022 Borrower has mortgage history and meets the tradeline minimum for payment history. Exception satisfied. | 12.5.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 704 exceeds minimum required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash back at closing $32,537.60 used for reserves.Required reserves 6 months X $3,390.19 = $20,341.14. Excess reserves $12,196.46.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower's credit history with 8 open trade lines and 8 reporting for more than 12 months exceeds requirement of at least 3 trade lines reporting for at least 12 months or 2 trade lines reporting for at least 24 months with activity in past 12 months. |
| XXXXXX | 933658 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $465,678.34; required reserves none.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 803 and minimum required is 640<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 53.13% and maximum allowed is 80% |
| XXXXXX | 933681 | XXXXXX | TN | (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 verification of all assets of $106,519.69 used to qualify. Final 1003 reflects assets from accounts with XXX and XXX were used to qualify however no asset statements were located in file. Provide complete copy of most recent two months consecutive statements for review. Review of statements to support sufficient funds to meet required reserves of $11,152.10. | 11.22.2022 Client responded - See attached 2 months consecutive bank statements for accounts #XXX and #XXX to support sufficient funds to close and sufficient # of months cash reserves. Please clear this condition. | 11.22.2022 Client sent the statements for XXX XXX and XXX which supports the funds to close and reserves. Exception satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 38 mos. 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 728 exceeds program requirement 640.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have low use of consumer credit. Credit line usage 13.74%. |
| XXXXXX | 933681 | XXXXXX | TN | (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 verification of all assets of $106,519.69 used to qualify. Final 1003 reflects assets from accounts with XXX and XXX were used to qualify however no asset statements were located in file. Provide complete copy of most recent two months consecutive statements for review. Review of statements to support sufficient funds to meet required funds to close of $60,223.21 and reserves of $11,152.10. | 11.22.2022 Client responded - See attached 2 months consecutive bank statements for accounts #XXX and #XXX to support sufficient funds to close and sufficient # of months cash reserves. Please clear this condition. | 11.22.2022 Client sent the statements for XXX XXX and XXX which supports the funds to close and reserves. Exception satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 38 mos. 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 728 exceeds program requirement 640.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have low use of consumer credit. Credit line usage 13.74%. |
| XXXXXX | 933681 | XXXXXX | TN | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraised value $XXX UCDP has no score. | 11.18.2022-Clients response:November 18th 2022, 4:25:27 pmSsee attached BPO. Please clear condition | 1118.2022-Document received; exception is satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 38 mos. 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 728 exceeds program requirement 640.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have low use of consumer credit. Credit line usage 13.74%. |
| XXXXXX | 933681 | XXXXXX | TN | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Property | Satisfied D A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing condo questionnaire. Questionnaire required to determine if condo complex meets guideline requirements of 100% of united be sold and conveyed to unit owners, no builder-controlled projects allowed. All phases complete. Questionnaire to also provide if condo project is involved in any litigation, provide percent of units owned by one entity when the project was conveyed. Additionally need clarification regarding the number of units that are owner occupied. Per appraisal subject condo complex has 18 units with 12 units or 66.67% owned by investors. Per guidelines 50% of the total units in the project must be owner occupied which can be either primary or second home. If appraisal investor owned units of 12 is accurate subject condo complex does not meet guideline requirements. | 11.21.2022-Clients response: November 18th 2022, 4:51:58 pmSee attached CONDO QUESTIONNAIRE. Please clear condition | 11.21.2022-Document receive; exception is satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 38 mos. 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 728 exceeds program requirement 640.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have low use of consumer credit. Credit line usage 13.74%. |
| XXXXXX | 933640 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 12 years 4 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 70.00% below program maximum 75.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 749 above program requirement 640. |
| XXXXXX | 933655 | 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 34 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $31,719.14; required reserves $2597.34 x 6 = $15,584.04.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 723 and minimum required is 640 |
| XXXXXX | 933668 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60.90% is below guideline requirement of 80% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 3 years. |
| XXXXXX | 933639 | XXXXXX | FL | (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 | Borrower does not meet minimum equity requirement of $50,000, borrower equity is $43,500. | (No Data) | 11-10-2022: Sr. Clayton Underwriter has reviewed the Credit Exception Request approved by upper management allowing loan approval to borrower with less than $50,000 minimum equity into the property, borrower has $43,500 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 1 at 1.1333%, credit score above minimum at 749 with good credit, and over 6 months reserves verified | (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 $120,258.93, required reserves none.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 749 and minimum required is 640 |
| XXXXXX | 933621 | XXXXXX | PA | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC806 | Notary Status is missing | No | Mortgage is an unsigned copy. Please provide copy of Notary. | 11.29.2022-Clients response: November 29th 2022, 4:29:34 pmPlease see the attached mtg w/ notary. Please clear the condition.11.29.2022-Clayton's response: Received the executed Mortgage with the Notary. All addendums are attached. Exception satisfied. | 11.29.2022-Document received; exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $65,431.83, required reserves $2174.25 x 6 = $13,045.50<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 785 and minimum required is 640 |
| XXXXXX | 933621 | XXXXXX | PA | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC869 | Mortgage not signed | No | Mortgage is an unsigned copy. Please provide a fully executed original or a certified copy of the Mortgage. | 11.29.2022-Clients response: November 29th 2022, 4:34:13 pmPlease see the attached executed mtg . Please clear the condition.11.29.2022-Clayton's response: Received the executed Mortgage with the Notary. All addendums are attached. Exception is satisfied. | 11.29.2022-Documents received, exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $65,431.83, required reserves $2174.25 x 6 = $13,045.50<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 785 and minimum required is 640 |
| XXXXXX | 933621 | XXXXXX | PA | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Missing final signed HUD1 or settlement statement, copy in file is not signed. | 12.1.2022 Client responded - Please see the attached Final Hud 1. Please clear the condition 12.1.2022 Client sent the final HUD 1 Settlement Statement. Exception satisfied. | 12.1.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $65,431.83, required reserves $2174.25 x 6 = $13,045.50<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 785 and minimum required is 640 |
| XXXXXX | 933621 | XXXXXX | PA | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Credit | Legal Documents | Satisfied D A | CRDLGL2277 | Note Not Executed | No | Missing signed note | 11.29.2022-Clients response:November 29th 2022, 4:38:21 pmPlease see the attached executed note. Please clear the condition.11.29.2022-Clayton's response: The fully executed Note/Riders/Addendums received and acceptable. Exception satisfied. | 11.29.2022-Document received; exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $65,431.83, required reserves $2174.25 x 6 = $13,045.50<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 785 and minimum required is 640 |
| XXXXXX | 933623 | XXXXXX | OH | (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 Personal Gurantor executed by the borrower. Borrower owns 100% of the business XXX | 11.18.2022-clients response: November 18th 2022, 3:59:21 pmSee attached Personal Guaranty. Please clear this condition | 11.18.2022-Document received; exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 698 exceeds guideline requirement of 660 for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $118618.40 exceeds guideline requirement with cash to close and reserve requirement. |
| XXXXXX | 933625 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 692 mid-score qualified per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 82 months of 0x30 consumer history per CBR<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 30.99 months of reserves in file. |
| XXXXXX | 933669 | 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 5 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $186,015.33; required reserves $1994.50 x 6 = $11,967.00.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 757 and minimum required is 640 |
| XXXXXX | 933568 | 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 | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide proof that Initial CD issue 11/4/2022 was received at least 3 days prior to closing. | 12.6.22-Client response 11/28 reflects a signed CD dated 11/14 was sent. No documents received. Provide proof that Initial CD issue 11/4/2022 was received at least 3 days prior to closing.12.7.22-Client provided CD issued 11/4/2022 and e-signed 11/4/2022. Exception Satisfied. | Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 774 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 68 months of 0x30 consumer credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 15.17 months of PITI reserves. |
| XXXXXX | 933568 | 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 | Assets | Active B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Borrower has the required reserves of $65,900 but they are not seasoned for 30 days as required by the guidelines. | (No Data) | 11.23.2023- Sir. Clayton Underwriter has reviewed the Credit Exception Request Form that has been approved by upper management for allowing less than 60 days of seasoning for the reserve assets. The exception remains but is deemed non-material due to this not being a fatal issue. The compensating factors are that the borrower is putting 20% of the down payment/closing costs/reserves with his own funds from XXX The securitization grade has been updated from material to non-material. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 774 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 68 months of 0x30 consumer credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 15.17 months of PITI reserves. |
| XXXXXX | 933568 | 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 | Credit/Mtg History | Active B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide verification of rent for the last 12 months for the borrower. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 774 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 68 months of 0x30 consumer credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 15.17 months of PITI reserves. |
| XXXXXX | 933603 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | DTI | Satisfied C A | CRDDTI187 | Debt Ratio > 50% | No | 50.26% back-end DTI ratio per review. Lender approved at 49.01% back-end ratio. Loan approved with $8,845/month income. Review used 75% vacancy factor due to $2,200/month rent from subject property per Rent Schedule on appraisal. Review used same 3 consumer trades was lender and calculated same front-end ratio. Variance unknown. | 12.02.2022-Clients response:December 2nd 2022, 1:42:34 pmXXX uses 20% vacancy factor, not 75%. Please clear exception.12.02.2022-Guidelines from 8.18.2022 allow a vacancy factor of 80%. Exception is satisfied. | 12.02.2022- Exception Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 7.9 years XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 12.72 months of reserves in file. |
| XXXXXX | 933570 | 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: 13.9 years living at prior residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 695 mid-score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 14.34 months of reserves in file. |
| XXXXXX | 933591 | XXXXXX | UT | 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 | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5115 | TRID - Closing Disclosure: The Creditors Brokers or Contact persons NMLS or State ID is missing | No | Information is not on the CD | 12.8.22-Client provided CD issued 11/16/22, including NMLS info for broker.Provide Clerical PCCD issued within 30 days of closing including NMLS ID for Lender XXX in contact section. 12.14.22-No New docs received at time of review.12.14.22-Client provided PCCD including NMLS for Lender. Exception Satisfied. | Exception Satisfied. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower's have lived at current residence for 3 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $99,266.76 or 22.40 months PITI<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past due 24 months |
| XXXXXX | 933591 | XXXXXX | UT | 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 | CRDINC3204 | Income Documentation Missing | No | Missing 4506-C signed by co borrower | 12.8.2022-Clients response: December 8th 2022, 11:30:56 amSee attached W-9-4506C signed by both borrowers. Please clear exception. 12.8.2022-Document received; exception is satisfied. | 12.8.2022-Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower's have lived at current residence for 3 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $99,266.76 or 22.40 months PITI<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past due 24 months |
| XXXXXX | 933659 | XXXXXX | FL | (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 Operating Agreement for XXX | 12.5.2022-Clients response: December 5th 2022, 2:32:15 pmSee attached Articles of Organization which can be used in lieu of an Operating Agreement that specify who manages the LLC. Please clear this exception. 12.5.2022-Clayton's response: Articles of Organization show XXX as a XXX to the LLC; provide additional documents showing her XXX in the LLC. A Personal Guarantor will need to be executed if she owns 25% or more in the company. Exception remains. 12.6.2022-Clients response: December 6th 2022, 12:39:54 pmSee attached CPA Letter and Personal Guaranty. Please clear exception.12.6.2022-Clayton's response: Received the CPA letter and the Personal Guaranty signed by XXX. Exception is satisfied. | 12.5.2022-Exception remains.12.6.2022-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70% and maximum allowed is 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 761 and minimum required is 640<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has good credit history with no late pays and over 15 years credit history reporting.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $168,429.31; required reserves $1821.42 x 6 = $10,928.52. |
| XXXXXX | 933674 | XXXXXX | FL | (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 the Operating Agreement for XXX showing the percentage of the business that borrowers owns. | 12.6.2022 Client responded - Please see the attached CPA letter . Please clear the condition 12.6.2022 Client sent the Signing authority and a letter from CPA verifying 50% ownership for XXX and XXX. Personal Guaranty executed by both guarantors. Exception satisfied. | 12.6.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70% and maximum allowed is 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $107,859.07; required reserves $2130.07 x 6 = $12,780.42.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 761 and minimum required is 740. |
| XXXXXX | 933642 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 99 months of 0x30 consumer credit history per CBR in file.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 80 months of 0x30 mortgage history per CBR. |
| XXXXXX | 933683 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 24 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 780 mid-score qualified per CBR<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 24 months of 0x30 mortgage history per CBR. |
| XXXXXX | 933530 | 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: 700 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 23 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 17.10 months of reserves in file. |
| XXXXXX | 933572 | 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 additional bank statement for XXX Bank #XXX. Bank statement in file for 10/26/2022. | 11.30.2022-Clients response: November 30th 2022, 12:28:44 pmSee attached additional bank statement. Please clear this exception.11.30.2022-Clayton's response: Received the XXX Bank statement dated 9.26.2022 which is sufficient to clear the exception. Exception is satisfied. | 11.30.2022-Document received; exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 29.17 is below guideline 85%<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 681 is greater than 600 |
| XXXXXX | 933670 | XXXXXX | IL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Missing signed final HUD1, copies in file are not signed or certified as final | 12.14.2022 Client responded - Please see the attached Final Hud 1. Please clear the condition 12.14.2022 Client sent the fully executed HUD 1 Settlement Statement. Exception satisfied. | 12.14.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 27 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $211,190.45, required reserves none.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 738 and minimum required is 640.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 53.51% and maximum allowed is 80%. |
| XXXXXX | 933612 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC806 | Notary Status is missing | No | Notary status is missing from mortgage. | 12.5.22-Client provided executed mortgage, notarized.Exception Satisfied. | Exception Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 11.9 years working as a XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 703 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 55 months of 0x30 consumer history per CBR. |
| XXXXXX | 933612 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC869 | Mortgage not signed | No | Mortgage is not executed by borrower. | 12.5.22-Client provided executed mortgage, notarized.Exception Satisfied. | Exception Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 11.9 years working as a XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 703 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 55 months of 0x30 consumer history per CBR. |
| XXXXXX | 933612 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Credit | Legal Documents | Satisfied D A | CRDLGL1817 | Final HUD-1 is incomplete or illegible | No | Missing Final HUD. File contains HUD that is not signed or marked True and Certified. | 12.5.2022-Clients response: December 2nd 2022, 2:01:40 pmPlease see the attached final Hud 1.12.5.2022-Clayon's response: HUD 1 received; exception is satisfied. | 12.5.2022-Exception is satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 11.9 years working as a XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 703 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 55 months of 0x30 consumer history per CBR. |
| XXXXXX | 933615 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP157 | Application Not Signed by Primary Borrower | No | Provide signed Final Application 1003. File contains unsigned Application | 12.20.2022 Client responded - See attached Final 1003. Please clear exception12.20.2022 Client sent the Final 1003 signed by borrower. Exception satisfied. | 12.20.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 743<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit history open for 136 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: borrower 0x30 in last 24 months |
| XXXXXX | 933615 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1817 | Final HUD-1 is incomplete or illegible | No | Provide Final HUD 1 settlement statement that is signed or marked true & certified. | 12.21.2022-Clients response: December 21st 2022, 2:41:10 pmSee attached Final HUD Settlement Statement. Please clear exception12.21.2022-Clayton's response: Document received; exception is satisfied. | 12.21.2022-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 743<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit history open for 136 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: borrower 0x30 in last 24 months |
| XXXXXX | 933533 | XXXXXX | UT | 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 | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Please provide RESPA - List of homeowners counseling organizations. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 712 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 82 months of 0x30 consumer credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 21.08 months of reserves in file. |
| XXXXXX | 933533 | XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Credit | Terms/Guidelines | Active B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Lender exception request in file for maximum 300% payments shock, payment shock is over 600% for the borrower. | 12.1.2022-Sr. Clayton Underwriter has reviewed the Loan Exception Request approved by upper management allowing the payment shock to exceed the guidelines of 300%, the exception will remain but is deemed non-material due to this not being a fatal issue. Compensating factors are fico of 712, DTI 29.63% and 12 months in reserves. The securitization grade has been updated from material to non-material. | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 712 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 82 months of 0x30 consumer credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 21.08 months of reserves in file. |
| XXXXXX | 933643 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 19.1 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 777 qualifying mid-score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 85.53 months of PITI reserves. |
| XXXXXX | 933684 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 761 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 99 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 23.25 months of reserves in file. |
| XXXXXX | 933631 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 51.92% is below guideline requirement of 80% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 755 exceeds guideline requirement of 700 for this program. |
| XXXXXX | 933575 | 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: Credit score of 665 exceeds minimum required 640.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Borrower reduced monthly debt by $262.29. ($1,821 Mortgage + $1,767 other debt = $3,588- $3,325.71 New PITI)<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has an excellent mortgage history of 55 months with no late payments. |
| XXXXXX | 933651 | XXXXXX | VA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Terms/Guidelines | Active B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Transaction does not meet minimum equity requirements of $50,000, borrower has $44,375 equity. | (No Data) | 11-21-2022: Sr. Clayton Underwriter has reviewed the Credit Exception Request approved by upper management allowing loan approval to borrower with less than $50,000 minimum equity into the property, borrower has $44,375 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 1 at 1.0354%, credit score above minimum at 775 with good credit, and over 6 months reserves verified. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $124,664.50, required reserves $1207.22 x 6 = $7243.32.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 775 and minimum required is 640<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has good credit history with over 5 years history and no late pays. |
| XXXXXX | 933611 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC806 | Notary Status is missing | No | Notary is missing | 12.6.22-Client provided executed mortgage including Notary section.Exception satisfied. | Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 11 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $199,593.78; required reserves $1940.68 x 6 = $11,644.08<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 708 and minimum required is 640 |
| XXXXXX | 933611 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC869 | Mortgage not signed | No | Mortgage in file is not signed | 12.6.22-Client provided executed mortgage.Exception satisfied. | Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 11 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $199,593.78; required reserves $1940.68 x 6 = $11,644.08<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 708 and minimum required is 640 |
| XXXXXX | 933611 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Missing final signed HUD1; document in file is not signed and dated | 12.6.2022-Clients response:December 6th 2022, 1:18:04 pmSee attached Appraisal with Rental income on Page 5. Please clear this exception. 12.6.2022-Clayton's response: HUD 1 received; exception is satisfied. | 12.6.2022-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 11 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $199,593.78; required reserves $1940.68 x 6 = $11,644.08<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 708 and minimum required is 640 |
| XXXXXX | 933611 | XXXXXX | TX | (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 not executed/signed | 12.6.22-Client provided executed Note. Exception Satisfied. | Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 11 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $199,593.78; required reserves $1940.68 x 6 = $11,644.08<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 708 and minimum required is 640 |
| XXXXXX | 933626 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 793 mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 years living at primary residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 82 months of 0x30 mortgage history per CBR. 12 months required. |
| XXXXXX | 933671 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 69.62% is below guideline requirement of 80% for this program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at primary residence for over 4 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current |
| XXXXXX | 933577 | 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 proof the borrowers received and signed final LE dated 11/9/2022 3 days prior to consummation date. | 12.8.22-Client provided LE received 3 days prior to closing.Provide proof that CD 11/17/22 was received 3 days prior to closing, e-signature on doc reflects 11/21/22 receipt date. Provide proof receipt was at least 3 days prior to closing.12.8.22-Client provided CD 11/17/22, proof of delivery via email 11/18/22.Exception Satisfied. | Exception Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 40.32% is below guideline requirement of 75% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has ben at current residence for over 20 years. |
| XXXXXX | 933540 | XXXXXX | CO | 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: 792 qualifying credit score per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 22 years living at departure residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 99 months of 0x30 consumer credit history per CBR. |
| XXXXXX | 933578 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 21.64% calculated review back-end DTI; 50% max tolerance allowed per guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 34 months of 0x30 consumer credit per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 52.81 months of reserves in file. |
| XXXXXX | 933660 | XXXXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is below the maximum allowable of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 782 exceeds minimum required 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $171,812.31. Cash required at closing $86,577.20. Required reserves 0 months per LTV. Excess reserves $82,735.11. |
| XXXXXX | 933616 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC225 | Missing Rider | No | Missing fully executed Riders. File contains unsigned documents. | 12.16.2022 Client responded - See attached Executed Mortgage. Please clear exception12.16.2022 Client sent the fully executed Mortgage with all Riders signed. Exception satisfied. | 12.16.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 8 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 tradelines are current |
| XXXXXX | 933616 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC806 | Notary Status is missing | No | Missing Notary signature and seal. | 12.16.2022 Client responded - See attached Executed Mortgage. Please clear exception12.16.2022 Client sent the fully executed mortgage signed by the Notary with the seal. Exception satisfied. | 12.16.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 8 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 tradelines are current |
| XXXXXX | 933616 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC869 | Mortgage not signed | No | Provide executed/signed Mortgage. | 12.16.2022 Client responded - See attached Executed Mortgage. Please clear exception12.16.2022 Client sent the fully executed Mortgage. Exception satisfied | 12.16.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 8 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 tradelines are current |
| XXXXXX | 933616 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Credit | Application | Satisfied D A | CRDAPP157 | Application Not Signed by Primary Borrower | No | Final 1003 not in file. | 12.16.2022 Client responded - See attached signed Final 1003. Please clear exception12.16.2022 Client sent the final signed 1003. Exception satisfied. | 12.16.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 8 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 tradelines are current |
| XXXXXX | 933616 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Missing Final signed HUD 1 Settlement Statement | 12.16.2022 Client responded - See attached Final HUD. Please clear exception12.16.2022 Client sent Final HUD 1 Settlement Statement. Exception satisfied | 12.16.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 8 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 tradelines are current |
| XXXXXX | 933616 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Credit | Legal Documents | Satisfied D A | CRDLGL2277 | Note Not Executed | No | Provide executed/signed note. | 12.16.2022 See attached Executed Note. Please clear exception12.16.2022 Client Sent the fully executed Note. Exception satisfied | 12.16.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 8 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 tradelines are current |
| XXXXXX | 933661 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 58.33% and maximum allowed is 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $118,407.93, required reserves none.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 11 years. |
| XXXXXX | 933581 | 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: 716 mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6.9 years living at prior residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 29.95 months of reserves in file. |
| XXXXXX | 933584 | 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: Borrower has a good payment history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 147 months of reserves in file.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 21.19% back-end DTI calculated; 50% tolerance per guidelines. |
| XXXXXX | 933635 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV/CLTV 67.42%- Max 70%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: FICO 776<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves $13,356.90- Verified cash reserves in the amount of $123,740.20<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO required 660- B FICO 671<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit Bureau reporting a 36 month mortgage payment history with no late payments |
| XXXXXX | 933582 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below guideline requirement of 85% for this program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current |
| XXXXXX | 933614 | XXXXXX | NV | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Guarantor on job since 2009<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 760<br>CFCFS2860: Good credit history<br> - Clayton Comments: Guarantor has good Credit history |
| XXXXXX | 933583 | XXXXXX | CA | 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 | CMPDOC225 | Missing Rider | No | Missing all applicable riders. | 12.16.22 Client provided executed, notarized deed of trust. Exception Satisfied. | Exception Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 15 years in the XXX industry.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 694 mid-score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 6.61 months of reserves in file. |
| XXXXXX | 933583 | XXXXXX | CA | 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 | CMPDOC806 | Notary Status is missing | No | Deed of Trust on page 99 is unsigned by borrower and not notarized. Please provide the Notarized and signed by borrower Deed of Trust. | 12.16.22 Client provided executed, notarized deed of trust. Exception Satisfied. | Exception Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 15 years in the XXX industry.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 694 mid-score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 6.61 months of reserves in file. |
| XXXXXX | 933583 | XXXXXX | CA | 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 | Mortgage is not signed | 12.16.22 Client provided executed, notarized deed of trust. Exception Satisfied. | Exception Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 15 years in the XXX industry.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 694 mid-score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 6.61 months of reserves in file. |
| XXXXXX | 933599 | XXXXXX | GA | 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 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. Exception Satisfied. | (No Data) | Exception Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 40.30% is below guideline requirement of 65% for this program.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 25 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for over 14 years. |
| XXXXXX | 933599 | XXXXXX | GA | 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 | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing evidence that borrower acknowledged receipt of CD 12/5/2022 XXX days prior to consummation. | 12.14.22-Client provided CD issued 12/5/2022, with no proof of receipt.Provide proof of receipt for CD issued 12/5/2022 at least XXX business days prior to closing. 12.15.22-Client provided proof of receipt dated 12/5/2022. Exception Satisfied | Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 40.30% is below guideline requirement of 65% for this program.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 25 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for over 14 years. |
| XXXXXX | 933599 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Credit | Insurance | Satisfied D A | CRDINSR865 | Missing proof of flood insurance in File | No | Property per appraisal and Flood Certificate is located in zone A Flood zone. Missing Flood insurance. Declaration's page isn't in the file. | 12.14.2022 Client responded - Please see the attached Flood Ins. Please clear the condition 12.14.2022 Client sent the Flood Insurance Declaration. Exception satisfied. | 12.14.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 40.30% is below guideline requirement of 65% for this program.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 25 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for over 14 years. |
| XXXXXX | 933599 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No | Missing 442 completion certificate for items that need to be repaired/ Appraisal was done Subject to repairs. | 12.14.2022 Client responded - Please see the attached 1004. Please clear the condition 12.14.2022 Client sent the 1004 Completion Certificate for items that needed to be repaired. Exception satisfied. | 12.14.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 40.30% is below guideline requirement of 65% for this program.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 25 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for over 14 years. |

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| | |
|:---|:---|
| **Client Name:** | **Ares Management** |
| **Client Project Name:** | **HOMES 2023-NQM2** |
| **Start - End Dates:** | **4/26/2022 - 12/16/2022** |
| **Deal Loan Count:** | **476** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *476* |
| ***Loans with Conditions:*** | *238* |

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| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Alternate Loan Numbers** | **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** |
| XXXXXX | 926104 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| XXXXXX | 925785 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 925792 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 925791 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 925787 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| XXXXXX | 925795 | Yes | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| XXXXXX | 925796 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 931324 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| XXXXXX | 925803 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| XXXXXX | 925804 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 925805 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 925811 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 925812 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| XXXXXX | 925814 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 925815 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 925816 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| XXXXXX | 925818 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 926106 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 925820 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 925822 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 925823 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 925826 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 925834 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| XXXXXX | 926107 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| XXXXXX | 925838 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| XXXXXX | 925839 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 926109 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 925843 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 928012 | Yes | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | Not Applicable |
| XXXXXX | 925845 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 925846 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 925848 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| XXXXXX | 925849 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 925852 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 925854 | Yes | XXXXXX | XXXXXX C B A | C | B C A | C | B | No |
| XXXXXX | 925855 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| XXXXXX | 925857 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 925858 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| XXXXXX | 925860 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 925862 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| XXXXXX | 925863 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 926112 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 925867 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| XXXXXX | 925870 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 925872 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 926096 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 925875 | Yes | XXXXXX | XXXXXX B A | B | A B | B | A | Yes |
| XXXXXX | 925877 | Yes | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| XXXXXX | 926019 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 925880 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 925883 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 926114 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| XXXXXX | 926115 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 925885 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 926053 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 927725 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| XXXXXX | 925889 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 925890 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 927882 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 926054 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| XXXXXX | 925899 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| XXXXXX | 925900 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| XXXXXX | 926116 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| XXXXXX | 926056 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 925905 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| XXXXXX | 925907 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| XXXXXX | 925909 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| XXXXXX | 926117 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 925911 | Yes | XXXXXX | XXXXXX D A | C | A D | C | A | Not Applicable |
| XXXXXX | 925913 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| XXXXXX | 926120 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| XXXXXX | 928014 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| XXXXXX | 925922 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 926121 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| XXXXXX | 925932 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| XXXXXX | 925934 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 926045 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| XXXXXX | 926123 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 925937 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| XXXXXX | 925942 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 933440 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| XXXXXX | 928015 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 925945 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 926223 | Yes | XXXXXX | XXXXXX D A C | A | A D C | A | A | Not Applicable |
| XXXXXX | 925951 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 925952 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | No |
| XXXXXX | 925953 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 925954 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 926125 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 933441 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| XXXXXX | 925958 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 933442 | Yes | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | No |
| XXXXXX | 925965 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| XXXXXX | 925966 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | Yes |
| XXXXXX | 925967 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 926017 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 925969 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| XXXXXX | 925970 | Yes | XXXXXX | XXXXXX C A | A | A C B | A | A | Not Applicable |
| XXXXXX | 925971 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 926042 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| XXXXXX | 926131 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 926020 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | No |
| XXXXXX | 927883 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 926018 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 926048 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| XXXXXX | 926136 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 926137 | Yes | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | No |
| XXXXXX | 926237 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 926146 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| XXXXXX | 928016 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 926148 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| XXXXXX | 925989 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| XXXXXX | 926149 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 925991 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| XXXXXX | 926063 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | No |
| XXXXXX | 926023 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 926151 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 926154 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| XXXXXX | 927897 | Yes | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | Not Applicable |
| XXXXXX | 926066 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| XXXXXX | 927898 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| XXXXXX | 926025 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | No |
| XXXXXX | 925997 | Yes | XXXXXX | XXXXXX D A C | D | A D C | D | A | No |
| XXXXXX | 926156 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 926026 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| XXXXXX | 925998 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 926157 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| XXXXXX | 926067 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 926159 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 927734 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| XXXXXX | 926091 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 927899 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| XXXXXX | 926050 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 926001 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 926002 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 926027 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| XXXXXX | 926003 | Yes | XXXXXX | XXXXXX D A C | N/A | N/A D C | N/A | N/A | No |
| XXXXXX | 926161 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 926028 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 926163 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 926090 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 927723 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 926165 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 926166 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| XXXXXX | 927873 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 926169 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| XXXXXX | 926049 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 926029 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 926172 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 926173 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 926174 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| XXXXXX | 926175 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| XXXXXX | 926177 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 926178 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| XXXXXX | 926033 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | Not Applicable |
| XXXXXX | 926182 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 926032 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 926186 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| XXXXXX | 926224 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 926188 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| XXXXXX | 926078 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 926079 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Yes |
| XXXXXX | 926192 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 926194 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 926034 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| XXXXXX | 926198 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 927902 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 927904 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 926199 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 927797 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| XXXXXX | 927798 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| XXXXXX | 927903 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| XXXXXX | 926200 | Yes | XXXXXX | XXXXXX C B A | A | A C B | A | A | No |
| XXXXXX | 926201 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 927868 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 927801 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| XXXXXX | 926081 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 927781 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 928020 | Yes | XXXXXX | XXXXXX D B | A | A D B | A | A | Not Applicable |
| XXXXXX | 926204 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| XXXXXX | 927709 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 926082 | Yes | XXXXXX | XXXXXX D B A | D | B D A | D | B | No |
| XXXXXX | 926037 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 927806 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| XXXXXX | 926038 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| XXXXXX | 927808 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 927743 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| XXXXXX | 927905 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 927809 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| XXXXXX | 926211 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| XXXXXX | 926043 | Yes | XXXXXX | XXXXXX C B A | A | A C B | A | A | Not Applicable |
| XXXXXX | 927865 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 927810 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 927811 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| XXXXXX | 926083 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 927815 | Yes | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | No |
| XXXXXX | 927816 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 927907 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 926085 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| XXXXXX | 926046 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 926229 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 926095 | Yes | XXXXXX | XXXXXX C B A | A | A C B | A | A | Not Applicable |
| XXXXXX | 927750 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 927908 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 927711 | Yes | XXXXXX | XXXXXX D A C | D | A D C | D | A | No |
| XXXXXX | 926222 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| XXXXXX | 926221 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| XXXXXX | 927874 | Yes | XXXXXX | XXXXXX D B A | C | B D A | C | B | Not Applicable |
| XXXXXX | 927822 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| XXXXXX | 927866 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| XXXXXX | 927824 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| XXXXXX | 927776 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 927911 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 927827 | Yes | XXXXXX | XXXXXX C B A | A | A C B | A | A | No |
| XXXXXX | 927912 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 927772 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| XXXXXX | 927872 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Yes |
| XXXXXX | 927832 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 927833 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| XXXXXX | 927712 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| XXXXXX | 927778 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| XXXXXX | 927837 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| XXXXXX | 927915 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| XXXXXX | 927779 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| XXXXXX | 927840 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| XXXXXX | 933444 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| XXXXXX | 927841 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 928024 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| XXXXXX | 927761 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | Not Applicable |
| XXXXXX | 927846 | Yes | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | Not Applicable |
| XXXXXX | 928025 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| XXXXXX | 933663 | Yes | XXXXXX | XXXXXX D A C | N/A | N/A D C | N/A | N/A | Not Applicable |
| XXXXXX | 927783 | Yes | XXXXXX | XXXXXX C B A | A | A C B | A | A | Not Applicable |
| XXXXXX | 927848 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 927919 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| XXXXXX | 927849 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 927766 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 927852 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 928029 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| XXXXXX | 927854 | Yes | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | Not Applicable |
| XXXXXX | 927957 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| XXXXXX | 927856 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 927857 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| XXXXXX | 928031 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| XXXXXX | 927859 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| XXXXXX | 928005 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 928030 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 927893 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| XXXXXX | 933605 | Yes | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| XXXXXX | 928032 | Yes | XXXXXX | XXXXXX C B A | A | A C B | A | A | No |
| XXXXXX | 927756 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| XXXXXX | 933446 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| XXXXXX | 927959 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 933447 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 927960 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| XXXXXX | 927927 | Yes | XXXXXX | XXXXXX C B A | A | A C B | A | A | No |
| XXXXXX | 928034 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 927920 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| XXXXXX | 927929 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| XXXXXX | 928035 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| XXXXXX | 927933 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 927716 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| XXXXXX | 927718 | Yes | XXXXXX | XXXXXX C B A | C | B C A | C | B | No |
| XXXXXX | 933378 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| XXXXXX | 927932 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 908774 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 933449 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| XXXXXX | 928042 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| XXXXXX | 927945 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 928043 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 933622 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| XXXXXX | 928044 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| XXXXXX | 928047 | Yes | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| XXXXXX | 928049 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 928048 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| XXXXXX | 927770 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | Not Applicable |
| XXXXXX | 927931 | Yes | XXXXXX | XXXXXX C B A | C | A C B | C | A | Not Applicable |
| XXXXXX | 928095 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| XXXXXX | 928052 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| XXXXXX | 927973 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| XXXXXX | 928053 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| XXXXXX | 931355 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| XXXXXX | 927975 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | No |
| XXXXXX | 928054 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 927947 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 928056 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 928091 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| XXXXXX | 927980 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 927935 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| XXXXXX | 928058 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| XXXXXX | 928059 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| XXXXXX | 928060 | Yes | XXXXXX | XXXXXX C B A | A | A C B | A | A | Not Applicable |
| XXXXXX | 928062 | Yes | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | No |
| XXXXXX | 928066 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 933453 | Yes | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | Not Applicable |
| XXXXXX | 933454 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 928068 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| XXXXXX | 927982 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 927984 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| XXXXXX | 927936 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 704443 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| XXXXXX | 933381 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| XXXXXX | 928013 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| XXXXXX | 927937 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 933456 | Yes | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | Not Applicable |
| XXXXXX | 933424 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Yes |
| XXXXXX | 928073 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 928075 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| XXXXXX | 928009 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | No |
| XXXXXX | 933429 | Yes | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | Not Applicable |
| XXXXXX | 933519 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| XXXXXX | 933609 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| XXXXXX | 933435 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Yes |
| XXXXXX | 928078 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| XXXXXX | 933460 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 933434 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| XXXXXX | 933461 | Yes | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | Not Applicable |
| XXXXXX | 928079 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 928081 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 927988 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | No |
| XXXXXX | 928082 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| XXXXXX | 928083 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| XXXXXX | 933518 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| XXXXXX | 927994 | Yes | XXXXXX | XXXXXX C B A | C | A C B | C | A | Not Applicable |
| XXXXXX | 933464 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| XXXXXX | 933466 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 933468 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| XXXXXX | 927941 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| XXXXXX | 927943 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 933471 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| XXXXXX | 933472 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 933641 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| XXXXXX | 933358 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| XXXXXX | 933627 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| XXXXXX | 928087 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| XXXXXX | 928088 | Yes | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | Not Applicable |
| XXXXXX | 927997 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| XXXXXX | 933393 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 933477 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| XXXXXX | 933394 | Yes | XXXXXX | XXXXXX D B A | D | A D B | D | A | No |
| XXXXXX | 933543 | Yes | XXXXXX | XXXXXX C B A | C | B C A | C | B | No |
| XXXXXX | 933517 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 928097 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 933395 | Yes | XXXXXX | XXXXXX D A | C | A D | C | A | Not Applicable |
| XXXXXX | 928098 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 933485 | Yes | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| XXXXXX | 928089 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 933486 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| XXXXXX | 933399 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| XXXXXX | 933400 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| XXXXXX | 933544 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | No |
| XXXXXX | 933588 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 927948 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 933679 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| XXXXXX | 933489 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 223155 | Yes | XXXXXX | XXXXXX D A C | A | A D C | A | A | No |
| XXXXXX | 933545 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 933538 | Yes | XXXXXX | XXXXXX C A | B | A C | B | A | No |
| XXXXXX | 933494 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 48216 | Yes | XXXXXX | XXXXXX C B A | A | A C B | A | A | Yes |
| XXXXXX | 933595 | Yes | XXXXXX | XXXXXX B A | B | A B | B | A | No |
| XXXXXX | 933547 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| XXXXXX | 933634 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| XXXXXX | 933499 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 933408 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| XXXXXX | 933430 | Yes | XXXXXX | XXXXXX C B A | A | A C B | A | A | Not Applicable |
| XXXXXX | 933433 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| XXXXXX | 933548 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| XXXXXX | 933503 | Yes | XXXXXX | XXXXXX D A C | D | A D C | D | A | Not Applicable |
| XXXXXX | 933550 | Yes | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| XXXXXX | 933673 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| XXXXXX | 933675 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| XXXXXX | 933662 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| XXXXXX | 933521 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| XXXXXX | 933438 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 933508 | Yes | XXXXXX | XXXXXX D B C A | D | A D B C | D | A | Not Applicable |
| XXXXXX | 933644 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| XXXXXX | 933552 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | No |
| XXXXXX | 933511 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| XXXXXX | 933587 | Yes | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| XXXXXX | 933636 | Yes | XXXXXX | XXXXXX C B A | A | A C B | A | A | No |
| XXXXXX | 933664 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | No |
| XXXXXX | 933610 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| XXXXXX | 933608 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 933632 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| XXXXXX | 933678 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| XXXXXX | 933645 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 933677 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| XXXXXX | 933652 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| XXXXXX | 933513 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 933555 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 933647 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| XXXXXX | 933617 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 933656 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| XXXXXX | 933604 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| XXXXXX | 933514 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| XXXXXX | 933646 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| XXXXXX | 933676 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 933558 | Yes | XXXXXX | XXXXXX B A | B | B A | B | B | No |
| XXXXXX | 933624 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| XXXXXX | 933559 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 933665 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| XXXXXX | 933666 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 933680 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 933535 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 933628 | Yes | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | No |
| XXXXXX | 933667 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 933653 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| XXXXXX | 933648 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| XXXXXX | 933585 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| XXXXXX | 933606 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| XXXXXX | 933638 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Yes |
| XXXXXX | 933607 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| XXXXXX | 933650 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| XXXXXX | 933649 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| XXXXXX | 933620 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 933654 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 933619 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 933682 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| XXXXXX | 933613 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 933672 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 933516 | Yes | XXXXXX | XXXXXX D B C A | A | A D B C | A | A | Not Applicable |
| XXXXXX | 933685 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| XXXXXX | 933601 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| XXXXXX | 933637 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| XXXXXX | 933618 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| XXXXXX | 933686 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| XXXXXX | 933657 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| XXXXXX | 933630 | Yes | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | Not Applicable |
| XXXXXX | 933629 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| XXXXXX | 933633 | Yes | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | No |
| XXXXXX | 933658 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 933681 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| XXXXXX | 933640 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 933655 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 933668 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 933639 | Yes | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| XXXXXX | 933621 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| XXXXXX | 933623 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| XXXXXX | 933625 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 933669 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 933568 | Yes | XXXXXX | XXXXXX C B A | C | A C B | C | A | Not Applicable |
| XXXXXX | 933603 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| XXXXXX | 933570 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 933591 | Yes | XXXXXX | XXXXXX D B A | C | B D A | C | B | Not Applicable |
| XXXXXX | 933659 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| XXXXXX | 933674 | Yes | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | Not Applicable |
| XXXXXX | 933642 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 933683 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 933530 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 933572 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| XXXXXX | 933670 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| XXXXXX | 933612 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| XXXXXX | 933615 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| XXXXXX | 933533 | Yes | XXXXXX | XXXXXX B A | B | B A | B | B | Not Applicable |
| XXXXXX | 933643 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 933684 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 933631 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 933575 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 933651 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| XXXXXX | 933611 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| XXXXXX | 933626 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 933671 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 933577 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | No |
| XXXXXX | 933540 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 933578 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 933660 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 933616 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | No |
| XXXXXX | 933661 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| XXXXXX | 933581 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 933584 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 933635 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| XXXXXX | 933582 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| XXXXXX | 933614 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| XXXXXX | 933583 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| XXXXXX | 933599 | Yes | XXXXXX | XXXXXX D A | C | A D | C | A | No |

---

## Exhibit 99.6

[HOMES 2023-NQM2 ABS-15G](home-abs15g_031723.htm)

**EXHIBIT 99.6**

---

| | |
|:---|:---|
| **Client Name:** | Ares Management |
| **Client Project Name:** | HOMES 2023-NQM2 |
| **Start - End Dates:** | 4/26/2022 - 12/16/2022 |
| **Deal Loan Count:** | 476 |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *476* |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Alternate Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| XXXXXX | 926104 | XXXXXX | Number of Units | 3 | 2 |
| XXXXXX | 926104 | XXXXXX | Property Type | 3 Family | 2 Family |
| XXXXXX | 926104 | XXXXXX | Representative Credit Score for Grading | 769 | 767 |
| XXXXXX | 926104 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 925785 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 925792 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 931324 | XXXXXX | Cash Reserves | 3999195.21 | 4012900.51 |
| XXXXXX | 931324 | XXXXXX | Months Reserves | 510.00 | 457.57 |
| XXXXXX | 925804 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 925805 | XXXXXX | Debt to Income Ratio (Back) | 29.6000 | 37.7766 |
| XXXXXX | 925805 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 925811 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 925812 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 925815 | XXXXXX | Representative Credit Score for Grading | 721 | 717 |
| XXXXXX | 925816 | XXXXXX | Debt to Income Ratio (Back) | 26.0300 | 43.4002 |
| XXXXXX | 925816 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 926106 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 925820 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 925822 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 925822 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 925823 | XXXXXX | Debt to Income Ratio (Back) | 4.7000 | 9.2236 |
| XXXXXX | 925823 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 925826 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 925834 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| XXXXXX | 925834 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 926107 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 925838 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 925839 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 925843 | XXXXXX | Debt to Income Ratio (Back) | 36.4100 | 40.7407 |
| XXXXXX | 925843 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 925843 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| XXXXXX | 925843 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 928012 | XXXXXX | Borrower DSCR Percent | 0.91 | 0.9176 |
| XXXXXX | 928012 | XXXXXX | Cash Reserves | 87435.69 | 96010.75 |
| XXXXXX | 928012 | XXXXXX | Months Reserves | 68.00 | 60.76 |
| XXXXXX | 928012 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 925846 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 925848 | XXXXXX | Debt to Income Ratio (Back) | 28.9900 | 23.6529 |
| XXXXXX | 925849 | XXXXXX | Debt to Income Ratio (Back) | 26.6800 | 51.4205 |
| XXXXXX | 925852 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 925854 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 925854 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 925855 | XXXXXX | Debt to Income Ratio (Back) | 10.0900 | 24.5851 |
| XXXXXX | 925857 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 925858 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| XXXXXX | 925860 | XXXXXX | Number of Units | 4 | 2 |
| XXXXXX | 925860 | XXXXXX | Property Type | 4 Family | 2 Family |
| XXXXXX | 925860 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 926112 | XXXXXX | Debt to Income Ratio (Back) | 22.7100 | 48.0828 |
| XXXXXX | 925867 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 925867 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| XXXXXX | 925867 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 925870 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 925872 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 926096 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 925877 | XXXXXX | Debt to Income Ratio (Back) | 27.2600 | 41.3120 |
| XXXXXX | 925877 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 926019 | XXXXXX | Debt to Income Ratio (Back) | 17.4500 | 42.0318 |
| XXXXXX | 925883 | XXXXXX | Debt to Income Ratio (Back) | 10.7700 | 15.1667 |
| XXXXXX | 926114 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 926115 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 925885 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 926053 | XXXXXX | Debt to Income Ratio (Back) | 36.3100 | 41.0386 |
| XXXXXX | 926053 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 927725 | XXXXXX | Cash Reserves | 1158648.17 | 271870.84 |
| XXXXXX | 927725 | XXXXXX | Debt to Income Ratio (Back) | 9.9800 | 12.6668 |
| XXXXXX | 927725 | XXXXXX | Months Reserves | 57.00 | 13.52 |
| XXXXXX | 925890 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 927882 | XXXXXX | Cash Reserves | 16356.06 | 41550.35 |
| XXXXXX | 927882 | XXXXXX | Months Reserves | 4.00 | 11.62 |
| XXXXXX | 926054 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 925900 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 926116 | XXXXXX | Number of Units | 2 | 4 |
| XXXXXX | 926116 | XXXXXX | Property Type | 2 Family | 4 Family |
| XXXXXX | 926056 | XXXXXX | Debt to Income Ratio (Back) | 15.3400 | 23.2747 |
| XXXXXX | 926056 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 925905 | XXXXXX | Debt to Income Ratio (Back) | 39.2500 | 41.9398 |
| XXXXXX | 925907 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 925909 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 926117 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 925911 | XXXXXX | Debt to Income Ratio (Back) | 21.5600 | 33.5674 |
| XXXXXX | 925913 | XXXXXX | Debt to Income Ratio (Back) | 30.9300 | 41.3582 |
| XXXXXX | 926120 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 928014 | XXXXXX | Borrower DSCR Percent | 1.23 | 1.2304 |
| XXXXXX | 928014 | XXXXXX | Cash Reserves | 31255.73 | 64612.56 |
| XXXXXX | 928014 | XXXXXX | Months Reserves | 14.00 | 30.00 |
| XXXXXX | 925922 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 925932 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 925934 | XXXXXX | Debt to Income Ratio (Back) | 9.6400 | 21.4814 |
| XXXXXX | 925934 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 926045 | XXXXXX | Debt to Income Ratio (Back) | 9.1600 | 34.3966 |
| XXXXXX | 926045 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 926123 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 926123 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 925937 | XXXXXX | Debt to Income Ratio (Back) | 12.0200 | 16.9604 |
| XXXXXX | 925942 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 925942 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933440 | XXXXXX | Borrower DSCR Percent | 1.36 | 1.3631 |
| XXXXXX | 933440 | XXXXXX | Months Reserves | 68.00 | 68.42 |
| XXXXXX | 933440 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 928015 | XXXXXX | Borrower DSCR Percent | 1.16 | 1.1627 |
| XXXXXX | 928015 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 928015 | XXXXXX | Months Reserves | 100.00 | 100.76 |
| XXXXXX | 928015 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 928015 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 925945 | XXXXXX | Debt to Income Ratio (Back) | 40.5400 | 42.5697 |
| XXXXXX | 925945 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 925945 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 925945 | XXXXXX | Representative Credit Score for Grading | 748 | 739 |
| XXXXXX | 926223 | XXXXXX | Debt to Income Ratio (Back) | 6.1100 | 9.3238 |
| XXXXXX | 926223 | XXXXXX | Representative Credit Score for Grading | 679 | 643 |
| XXXXXX | 926223 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 925951 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 925952 | XXXXXX | Debt to Income Ratio (Back) | 6.6300 | 43.2939 |
| XXXXXX | 925954 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 926125 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933441 | XXXXXX | Borrower DSCR Percent | 1.02 | 1.0276 |
| XXXXXX | 933441 | XXXXXX | Cash Reserves | 53789.22 | 841605.12 |
| XXXXXX | 933441 | XXXXXX | Months Reserves | 23.00 | 335.88 |
| XXXXXX | 925958 | XXXXXX | Borrower 1 SSN | XXXXXX | XXXXXX |
| XXXXXX | 933442 | XXXXXX | Borrower DSCR Percent | 1.16 | 1.2917 |
| XXXXXX | 933442 | XXXXXX | Months Reserves | 11.00 | 12.63 |
| XXXXXX | 925965 | XXXXXX | Debt to Income Ratio (Back) | 2.7700 | 13.8092 |
| XXXXXX | 925965 | XXXXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| XXXXXX | 925966 | XXXXXX | Debt to Income Ratio (Back) | 33.1500 | 41.5648 |
| XXXXXX | 925966 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 925967 | XXXXXX | Debt to Income Ratio (Back) | 45.8900 | 42.0625 |
| XXXXXX | 925967 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 926017 | XXXXXX | Debt to Income Ratio (Back) | 12.6100 | 21.4261 |
| XXXXXX | 926017 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 926017 | XXXXXX | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| XXXXXX | 925969 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 925969 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 925970 | XXXXXX | Debt to Income Ratio (Back) | 28.9600 | 37.3372 |
| XXXXXX | 925970 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 925970 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 925971 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 925971 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 926042 | XXXXXX | Debt to Income Ratio (Back) | 27.9300 | 39.3785 |
| XXXXXX | 926020 | XXXXXX | Debt to Income Ratio (Back) | 31.8300 | 37.2406 |
| XXXXXX | 926020 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 927883 | XXXXXX | Cash Reserves | 86350.17 | 58683.63 |
| XXXXXX | 927883 | XXXXXX | Debt to Income Ratio (Back) | 31.8800 | 39.1193 |
| XXXXXX | 927883 | XXXXXX | Months Reserves | 11.00 | 7.96 |
| XXXXXX | 927883 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 926018 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 926048 | XXXXXX | Debt to Income Ratio (Back) | 17.6200 | 31.7768 |
| XXXXXX | 926136 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 926136 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 926137 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 928016 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 926148 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 925989 | XXXXXX | Debt to Income Ratio (Back) | 9.3200 | 42.2374 |
| XXXXXX | 925989 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 926149 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 925991 | XXXXXX | Debt to Income Ratio (Back) | 13.7000 | 21.9047 |
| XXXXXX | 926063 | XXXXXX | Debt to Income Ratio (Back) | 24.1700 | 32.1840 |
| XXXXXX | 926023 | XXXXXX | Debt to Income Ratio (Back) | 28.5200 | 31.1918 |
| XXXXXX | 926023 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 926151 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 926154 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 926154 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 926154 | XXXXXX | Representative Credit Score for Grading | 769 | 761 |
| XXXXXX | 926154 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 927897 | XXXXXX | Borrower DSCR Percent | 1.12 | 1.1266 |
| XXXXXX | 927897 | XXXXXX | Cash Reserves | 175828.74 | 187663.38 |
| XXXXXX | 927897 | XXXXXX | Months Reserves | 98.00 | 91.92 |
| XXXXXX | 926025 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 925997 | XXXXXX | Debt to Income Ratio (Back) | 8.2800 | 10.3707 |
| XXXXXX | 925997 | XXXXXX | Representative Credit Score for Grading | 753 | 737 |
| XXXXXX | 926156 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 926026 | XXXXXX | Debt to Income Ratio (Back) | 6.0900 | 9.6480 |
| XXXXXX | 926026 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 925998 | XXXXXX | Debt to Income Ratio (Back) | 23.6800 | 26.5655 |
| XXXXXX | 926157 | XXXXXX | Debt to Income Ratio (Back) | 1.0000 | 22.2454 |
| XXXXXX | 926067 | XXXXXX | Debt to Income Ratio (Back) | 25.3200 | 29.7932 |
| XXXXXX | 927734 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 926091 | XXXXXX | Debt to Income Ratio (Back) | 41.2600 | 49.2286 |
| XXXXXX | 926091 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 927899 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 927899 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 926050 | XXXXXX | Debt to Income Ratio (Back) | 3.9900 | 15.0418 |
| XXXXXX | 926027 | XXXXXX | Debt to Income Ratio (Back) | 41.2500 | 37.4502 |
| XXXXXX | 926027 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 926003 | XXXXXX | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| XXXXXX | 926161 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 926028 | XXXXXX | Debt to Income Ratio (Back) | 11.3300 | 13.5579 |
| XXXXXX | 926163 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 926090 | XXXXXX | Debt to Income Ratio (Back) | 15.6400 | 24.6835 |
| XXXXXX | 926090 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 927723 | XXXXXX | Debt to Income Ratio (Back) | 28.7600 | 36.1596 |
| XXXXXX | 927723 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 927873 | XXXXXX | Borrower DSCR Percent | 1.19 | 1.1928 |
| XXXXXX | 927873 | XXXXXX | Cash Reserves | 125590.32 | 233870.93 |
| XXXXXX | 927873 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 927873 | XXXXXX | Months Reserves | 46.00 | 87.18 |
| XXXXXX | 927873 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 926049 | XXXXXX | Debt to Income Ratio (Back) | 15.7000 | 19.0195 |
| XXXXXX | 926029 | XXXXXX | Debt to Income Ratio (Back) | 31.7900 | 38.9398 |
| XXXXXX | 926029 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 926029 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 926172 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 926175 | XXXXXX | Combined LTV | 47.37 | 49.61 |
| XXXXXX | 926175 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 926175 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 926175 | XXXXXX | Original LTV | 47.37 | 49.61 |
| XXXXXX | 926175 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 926177 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 926178 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 926033 | XXXXXX | Debt to Income Ratio (Back) | 37.5200 | 41.8038 |
| XXXXXX | 926033 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 926182 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 926182 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 926032 | XXXXXX | Debt to Income Ratio (Back) | 6.2300 | 13.7753 |
| XXXXXX | 926186 | XXXXXX | Debt to Income Ratio (Back) | 13.6200 | 31.7998 |
| XXXXXX | 926186 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 926188 | XXXXXX | Debt to Income Ratio (Back) | 27.2300 | 46.5325 |
| XXXXXX | 926188 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 926078 | XXXXXX | Debt to Income Ratio (Back) | 34.2900 | 38.9320 |
| XXXXXX | 926078 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 926078 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| XXXXXX | 926079 | XXXXXX | Borrower 1 SSN | XXXXXX | XXXXXX |
| XXXXXX | 926079 | XXXXXX | Debt to Income Ratio (Back) | 22.3200 | 34.2086 |
| XXXXXX | 926194 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 926194 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 926034 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 926198 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 927902 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 926199 | XXXXXX | Number of Units | 2 | 3 |
| XXXXXX | 926199 | XXXXXX | Property Type | 2 Family | 3 Family |
| XXXXXX | 926199 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 927797 | XXXXXX | Borrower DSCR Percent | 0.75 | 0.7517 |
| XXXXXX | 927797 | XXXXXX | Cash Reserves | 316321.67 | 216485.11 |
| XXXXXX | 927797 | XXXXXX | Months Reserves | 31.00 | 21.70 |
| XXXXXX | 927798 | XXXXXX | Cash Reserves | 241145.75 | 98662.40 |
| XXXXXX | 927798 | XXXXXX | Debt to Income Ratio (Back) | 12.2800 | 41.8300 |
| XXXXXX | 927798 | XXXXXX | Months Reserves | 64.00 | 21.56 |
| XXXXXX | 927903 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 926200 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 926201 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 926201 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 927868 | XXXXXX | Borrower DSCR Percent | 1.22 | 1.2286 |
| XXXXXX | 927868 | XXXXXX | Cash Reserves | 864733.63 | 216870.65 |
| XXXXXX | 927868 | XXXXXX | Months Reserves | 283.00 | 71.05 |
| XXXXXX | 927801 | XXXXXX | Cash Reserves | 23508.86 | 58671.34 |
| XXXXXX | 927801 | XXXXXX | Debt to Income Ratio (Back) | 6.8400 | 41.2130 |
| XXXXXX | 927801 | XXXXXX | Months Reserves | 7.00 | 19.90 |
| XXXXXX | 927781 | XXXXXX | Debt to Income Ratio (Back) | 29.5800 | 49.7410 |
| XXXXXX | 928020 | XXXXXX | Borrower DSCR Percent | 1.19 | 1.1944 |
| XXXXXX | 928020 | XXXXXX | Months Reserves | 108.00 | 108.19 |
| XXXXXX | 928020 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 927709 | XXXXXX | Debt to Income Ratio (Back) | 22.1700 | 41.2085 |
| XXXXXX | 926082 | XXXXXX | Debt to Income Ratio (Back) | 13.3300 | 36.8253 |
| XXXXXX | 926037 | XXXXXX | Debt to Income Ratio (Back) | 20.5100 | 23.7838 |
| XXXXXX | 926037 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 926037 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 927806 | XXXXXX | Borrower DSCR Percent | 1.68 | 1.6814 |
| XXXXXX | 927806 | XXXXXX | Cash Reserves | 25126.89 | 60209.40 |
| XXXXXX | 927806 | XXXXXX | Months Reserves | 17.00 | 42.18 |
| XXXXXX | 927806 | XXXXXX | Number of Units | 1 | 2 |
| XXXXXX | 927806 | XXXXXX | Property Type | SFR | 2 Family |
| XXXXXX | 926038 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 927808 | XXXXXX | Borrower DSCR Percent | 1.17 | 1.1724 |
| XXXXXX | 927808 | XXXXXX | Months Reserves | 96.00 | 96.13 |
| XXXXXX | 927808 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 927743 | XXXXXX | Debt to Income Ratio (Back) | 34.9500 | 47.6860 |
| XXXXXX | 927905 | XXXXXX | Number of Units | 2 | 1 |
| XXXXXX | 927905 | XXXXXX | Property Type | 2 Family | SFR |
| XXXXXX | 927809 | XXXXXX | Borrower DSCR Percent | 1 | 1.0088 |
| XXXXXX | 927809 | XXXXXX | Cash Reserves | 177548.14 | 177323.66 |
| XXXXXX | 927809 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 927809 | XXXXXX | Months Reserves | 79.00 | 79.50 |
| XXXXXX | 927809 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 926043 | XXXXXX | Debt to Income Ratio (Back) | 11.8500 | 32.6199 |
| XXXXXX | 927865 | XXXXXX | Debt to Income Ratio (Back) | 13.1700 | 49.0621 |
| XXXXXX | 927810 | XXXXXX | Borrower DSCR Percent | 1.2 | 1.2015 |
| XXXXXX | 927810 | XXXXXX | Cash Reserves | 165473.88 | 153635.20 |
| XXXXXX | 927810 | XXXXXX | Months Reserves | 124.00 | 115.37 |
| XXXXXX | 927810 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 927811 | XXXXXX | Borrower DSCR Percent | 1.01 | 1.0101 |
| XXXXXX | 927811 | XXXXXX | Cash Reserves | 37906.89 | 37759.24 |
| XXXXXX | 927811 | XXXXXX | Months Reserves | 21.00 | 21.19 |
| XXXXXX | 927811 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 926083 | XXXXXX | Debt to Income Ratio (Back) | 30.7600 | 38.6175 |
| XXXXXX | 926083 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 927815 | XXXXXX | Borrower DSCR Percent | 1.08 | 1.2042 |
| XXXXXX | 927815 | XXXXXX | Cash Reserves | 24237.78 | 24200.47 |
| XXXXXX | 927815 | XXXXXX | Months Reserves | 15.00 | 14.94 |
| XXXXXX | 927815 | XXXXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| XXXXXX | 927816 | XXXXXX | Borrower DSCR Percent | 1.03 | 1.0301 |
| XXXXXX | 927816 | XXXXXX | Cash Reserves | 153375.04 | 78375.04 |
| XXXXXX | 927816 | XXXXXX | Months Reserves | 60.00 | 29.90 |
| XXXXXX | 927907 | XXXXXX | Borrower DSCR Percent | 1.98 | 1.988 |
| XXXXXX | 927907 | XXXXXX | Cash Reserves | 89027.26 | 89027.47 |
| XXXXXX | 927907 | XXXXXX | Months Reserves | 46.00 | 46.58 |
| XXXXXX | 926085 | XXXXXX | Borrower 1 SSN | XXXXXX | XXXXXX |
| XXXXXX | 926085 | XXXXXX | Debt to Income Ratio (Back) | 16.2800 | 19.4750 |
| XXXXXX | 926085 | XXXXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| XXXXXX | 926046 | XXXXXX | Debt to Income Ratio (Back) | 16.3800 | 41.3333 |
| XXXXXX | 926229 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 926095 | XXXXXX | Representative Credit Score for Grading | 724 | 752 |
| XXXXXX | 927908 | XXXXXX | Borrower DSCR Percent | 1.05 | 1.0536 |
| XXXXXX | 927908 | XXXXXX | Cash Reserves | 154374.55 | 73797.99 |
| XXXXXX | 927908 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 927908 | XXXXXX | Months Reserves | 30.00 | 14.67 |
| XXXXXX | 927908 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 927711 | XXXXXX | Cash Reserves | 501854.08 | 505942.46 |
| XXXXXX | 927711 | XXXXXX | Months Reserves | 108.00 | 109.24 |
| XXXXXX | 927711 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 927874 | XXXXXX | Cash Reserves | 23066.18 | 23066.29 |
| XXXXXX | 927874 | XXXXXX | Debt to Income Ratio (Back) | 22.3700 | 35.8595 |
| XXXXXX | 927874 | XXXXXX | Months Reserves | 9.00 | 9.54 |
| XXXXXX | 927874 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 927822 | XXXXXX | Borrower DSCR Percent | 0.9 | 0.9033 |
| XXXXXX | 927822 | XXXXXX | Months Reserves | 31.00 | 31.07 |
| XXXXXX | 927822 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 927866 | XXXXXX | Borrower DSCR Percent | 1.01 | 1.0146 |
| XXXXXX | 927866 | XXXXXX | Cash Reserves | 10722.25 | 15959.89 |
| XXXXXX | 927866 | XXXXXX | Months Reserves | 12.00 | 14.02 |
| XXXXXX | 927824 | XXXXXX | Borrower DSCR Percent | 1.12 | 1.1054 |
| XXXXXX | 927824 | XXXXXX | Cash Reserves | 1160356.95 | 1153136.64 |
| XXXXXX | 927824 | XXXXXX | Months Reserves | 465.00 | 455.25 |
| XXXXXX | 927776 | XXXXXX | Cash Reserves | 204964.75 | 204995.19 |
| XXXXXX | 927776 | XXXXXX | Debt to Income Ratio (Back) | 39.8800 | 46.5838 |
| XXXXXX | 927776 | XXXXXX | Months Reserves | 48.00 | 48.48 |
| XXXXXX | 927776 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 927911 | XXXXXX | Borrower DSCR Percent | 1.15 | 1.2383 |
| XXXXXX | 927911 | XXXXXX | Months Reserves | 60.00 | 64.58 |
| XXXXXX | 927911 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 927827 | XXXXXX | Borrower DSCR Percent | 1.12 | 1.1245 |
| XXXXXX | 927827 | XXXXXX | Months Reserves | 96.00 | 69.63 |
| XXXXXX | 927827 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 927912 | XXXXXX | Borrower DSCR Percent | 1.1 | 1.1079 |
| XXXXXX | 927912 | XXXXXX | Months Reserves | 102.00 | 99.62 |
| XXXXXX | 927912 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 927772 | XXXXXX | Debt to Income Ratio (Back) | 34.9000 | 50.0247 |
| XXXXXX | 927872 | XXXXXX | Cash Reserves | 163848.94 | 215548.44 |
| XXXXXX | 927872 | XXXXXX | Debt to Income Ratio (Back) | 12.7000 | 42.1258 |
| XXXXXX | 927872 | XXXXXX | Months Reserves | 33.00 | 43.55 |
| XXXXXX | 927832 | XXXXXX | Cash Reserves | 106342.67 | 119299.13 |
| XXXXXX | 927832 | XXXXXX | Debt to Income Ratio (Back) | 7.2800 | 36.7975 |
| XXXXXX | 927832 | XXXXXX | Months Reserves | 33.00 | 31.43 |
| XXXXXX | 927832 | XXXXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| XXXXXX | 927833 | XXXXXX | Borrower DSCR Percent | 1.05 | 1.0528 |
| XXXXXX | 927833 | XXXXXX | Cash Reserves | 167046.11 | 167049.11 |
| XXXXXX | 927833 | XXXXXX | Months Reserves | 74.00 | 72.52 |
| XXXXXX | 927833 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 927712 | XXXXXX | Cash Reserves | 1114994.65 | 735001.80 |
| XXXXXX | 927712 | XXXXXX | Debt to Income Ratio (Back) | 5.9400 | 8.9812 |
| XXXXXX | 927712 | XXXXXX | Months Reserves | 86.00 | 55.17 |
| XXXXXX | 927778 | XXXXXX | Cash Reserves | 49503.75 | 38980.11 |
| XXXXXX | 927778 | XXXXXX | Debt to Income Ratio (Back) | 21.0500 | 39.0345 |
| XXXXXX | 927778 | XXXXXX | Months Reserves | 8.00 | 6.48 |
| XXXXXX | 927837 | XXXXXX | Borrower DSCR Percent | 1.08 | 1.0847 |
| XXXXXX | 927837 | XXXXXX | Cash Reserves | 87815.52 | 87788.39 |
| XXXXXX | 927837 | XXXXXX | Months Reserves | 46.00 | 45.34 |
| XXXXXX | 927915 | XXXXXX | Borrower DSCR Percent | 0.89 | 0.8974 |
| XXXXXX | 927915 | XXXXXX | Cash Reserves | 208763.88 | 226769.64 |
| XXXXXX | 927915 | XXXXXX | Months Reserves | 87.00 | 94.66 |
| XXXXXX | 927779 | XXXXXX | Cash Reserves | 279929.04 | 125732.17 |
| XXXXXX | 927779 | XXXXXX | Debt to Income Ratio (Back) | 46.3300 | 49.3959 |
| XXXXXX | 927779 | XXXXXX | Months Reserves | 34.00 | 15.30 |
| XXXXXX | 927840 | XXXXXX | Borrower DSCR Percent | 1.08 | 1.0869 |
| XXXXXX | 927840 | XXXXXX | Cash Reserves | 22959.22 | 23139.22 |
| XXXXXX | 927840 | XXXXXX | Months Reserves | 9.00 | 10.06 |
| XXXXXX | 927840 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 933444 | XXXXXX | Borrower DSCR Percent | 1.2 | 1.2052 |
| XXXXXX | 933444 | XXXXXX | Cash Reserves | 47971.51 | 51835.18 |
| XXXXXX | 933444 | XXXXXX | Months Reserves | 18.00 | 17.85 |
| XXXXXX | 933444 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| XXXXXX | 927841 | XXXXXX | Borrower DSCR Percent | 1 | 1.0074 |
| XXXXXX | 927841 | XXXXXX | Months Reserves | 31.00 | 31.04 |
| XXXXXX | 927841 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 928024 | XXXXXX | Borrower DSCR Percent | 1.01 | 1.0375 |
| XXXXXX | 928024 | XXXXXX | Months Reserves | 34.00 | 34.99 |
| XXXXXX | 928024 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 927761 | XXXXXX | Cash Reserves | 126909.59 | 130871.69 |
| XXXXXX | 927761 | XXXXXX | Months Reserves | 39.00 | 39.59 |
| XXXXXX | 927761 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 927846 | XXXXXX | Borrower DSCR Percent | 1.26 | 1.2683 |
| XXXXXX | 927846 | XXXXXX | Cash Reserves | 889.19 | 272487.94 |
| XXXXXX | 927846 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 928025 | XXXXXX | Borrower DSCR Percent | 0.79 | 0.792 |
| XXXXXX | 928025 | XXXXXX | Months Reserves | 55.00 | 48.26 |
| XXXXXX | 928025 | XXXXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| XXXXXX | 933663 | XXXXXX | Borrower DSCR Percent | 1 | 1.0007 |
| XXXXXX | 933663 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 927783 | XXXXXX | Cash Reserves | 294882.16 | 158437.65 |
| XXXXXX | 927783 | XXXXXX | Debt to Income Ratio (Back) | 45.6800 | 48.7304 |
| XXXXXX | 927783 | XXXXXX | Months Reserves | 28.00 | 15.29 |
| XXXXXX | 927783 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 927848 | XXXXXX | Cash Reserves | 121682.21 | 125622.34 |
| XXXXXX | 927848 | XXXXXX | Debt to Income Ratio (Back) | 9.7100 | 31.0047 |
| XXXXXX | 927848 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 927848 | XXXXXX | Months Reserves | 35.00 | 36.02 |
| XXXXXX | 927919 | XXXXXX | Borrower DSCR Percent | 1.03 | 1.0374 |
| XXXXXX | 927919 | XXXXXX | Cash Reserves | 4485.07 | 14661.07 |
| XXXXXX | 927919 | XXXXXX | Months Reserves | 2.00 | 8.45 |
| XXXXXX | 927849 | XXXXXX | Months Reserves | 82.00 | 81.55 |
| XXXXXX | 927849 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 927766 | XXXXXX | Cash Reserves | 200166.93 | 206448.43 |
| XXXXXX | 927766 | XXXXXX | Debt to Income Ratio (Back) | 21.8500 | 32.5504 |
| XXXXXX | 927766 | XXXXXX | Months Reserves | 80.00 | 83.34 |
| XXXXXX | 927766 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 927852 | XXXXXX | Borrower DSCR Percent | 1.06 | 1.0616 |
| XXXXXX | 927852 | XXXXXX | Cash Reserves | 80187.52 | 504220.43 |
| XXXXXX | 927852 | XXXXXX | Months Reserves | 39.00 | 223.04 |
| XXXXXX | 927852 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 927852 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| XXXXXX | 928029 | XXXXXX | Cash Reserves | 138313.06 | 128216.30 |
| XXXXXX | 928029 | XXXXXX | Months Reserves | 28.00 | 26.02 |
| XXXXXX | 927854 | XXXXXX | Borrower DSCR Percent | 1.04 | 1.0336 |
| XXXXXX | 927854 | XXXXXX | Cash Reserves | 100704.29 | 22684.46 |
| XXXXXX | 927854 | XXXXXX | Months Reserves | 119.00 | 18.76 |
| XXXXXX | 927957 | XXXXXX | Cash Reserves | 42330.99 | 34970.72 |
| XXXXXX | 927957 | XXXXXX | Debt to Income Ratio (Back) | 23.6100 | 44.9186 |
| XXXXXX | 927957 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 927957 | XXXXXX | Months Reserves | 8.00 | 7.23 |
| XXXXXX | 927856 | XXXXXX | Borrower DSCR Percent | 1.2 | 1.2007 |
| XXXXXX | 927856 | XXXXXX | Cash Reserves | 107601.83 | 107577.69 |
| XXXXXX | 927856 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 927856 | XXXXXX | Months Reserves | 114.00 | 114.83 |
| XXXXXX | 927856 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 927857 | XXXXXX | Cash Reserves | 30922.91 | 64717.04 |
| XXXXXX | 927857 | XXXXXX | Debt to Income Ratio (Back) | 10.4400 | 23.0990 |
| XXXXXX | 927857 | XXXXXX | Months Reserves | 9.00 | 20.88 |
| XXXXXX | 928031 | XXXXXX | Borrower DSCR Percent | 1.1 | 1.1073 |
| XXXXXX | 928031 | XXXXXX | Cash Reserves | 180337.67 | 26659.96 |
| XXXXXX | 928031 | XXXXXX | Months Reserves | 87.00 | 12.98 |
| XXXXXX | 927859 | XXXXXX | Borrower DSCR Percent | 0.99 | 0.9978 |
| XXXXXX | 927859 | XXXXXX | Months Reserves | 397.00 | 397.04 |
| XXXXXX | 927859 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 928005 | XXXXXX | Debt to Income Ratio (Back) | 12.4000 | 30.0335 |
| XXXXXX | 928005 | XXXXXX | Months Reserves | 5.00 | 5.82 |
| XXXXXX | 928005 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 928030 | XXXXXX | Borrower DSCR Percent | 1.25 | 1.2522 |
| XXXXXX | 928030 | XXXXXX | Cash Reserves | 179211.47 | 148393.56 |
| XXXXXX | 928030 | XXXXXX | Months Reserves | 83.00 | 66.37 |
| XXXXXX | 927893 | XXXXXX | Cash Reserves | 107802.93 | 93698.52 |
| XXXXXX | 927893 | XXXXXX | Debt to Income Ratio (Back) | 31.7700 | 39.6476 |
| XXXXXX | 927893 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 927893 | XXXXXX | Months Reserves | 31.00 | 27.67 |
| XXXXXX | 933605 | XXXXXX | Cash Reserves | 66271.92 | 66272.30 |
| XXXXXX | 933605 | XXXXXX | Debt to Income Ratio (Back) | 44.7800 | 34.7941 |
| XXXXXX | 933605 | XXXXXX | Months Reserves | 35.00 | 35.47 |
| XXXXXX | 928032 | XXXXXX | Borrower DSCR Percent | 1 | 1.0009 |
| XXXXXX | 928032 | XXXXXX | Cash Reserves | 123144.33 | 100224.46 |
| XXXXXX | 928032 | XXXXXX | Months Reserves | 96.00 | 78.38 |
| XXXXXX | 927756 | XXXXXX | Cash Reserves | 79289.49 | 88197.72 |
| XXXXXX | 927756 | XXXXXX | Debt to Income Ratio (Back) | 27.5300 | 48.5759 |
| XXXXXX | 927756 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 927756 | XXXXXX | Months Reserves | 12.00 | 13.68 |
| XXXXXX | 933446 | XXXXXX | Borrower DSCR Percent | 0.84 | 0.8443 |
| XXXXXX | 933446 | XXXXXX | Cash Reserves | 29795.51 | 41644.27 |
| XXXXXX | 933446 | XXXXXX | Months Reserves | 18.00 | 19.01 |
| XXXXXX | 933446 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| XXXXXX | 933446 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 927959 | XXXXXX | Cash Reserves | 62374.27 | 37087.27 |
| XXXXXX | 927959 | XXXXXX | Months Reserves | 28.00 | 14.78 |
| XXXXXX | 927959 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933447 | XXXXXX | Borrower DSCR Percent | 1.13 | 1.1357 |
| XXXXXX | 933447 | XXXXXX | Months Reserves | 14.00 | 14.27 |
| XXXXXX | 933447 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 927960 | XXXXXX | Debt to Income Ratio (Back) | 11.0700 | 16.3366 |
| XXXXXX | 927960 | XXXXXX | Months Reserves | 51.00 | 50.70 |
| XXXXXX | 927927 | XXXXXX | Months Reserves | 94.00 | 89.97 |
| XXXXXX | 927927 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 928034 | XXXXXX | Borrower DSCR Percent | 1.27 | 1.2746 |
| XXXXXX | 928034 | XXXXXX | Cash Reserves | 1037977.93 | 1041328.08 |
| XXXXXX | 928034 | XXXXXX | Months Reserves | 503.00 | 491.59 |
| XXXXXX | 928034 | XXXXXX | Representative Credit Score for Grading | 794 | 777 |
| XXXXXX | 927920 | XXXXXX | Borrower DSCR Percent | 1.48 | 1.5562 |
| XXXXXX | 927920 | XXXXXX | Cash Reserves | 269769.36 | 13922.03 |
| XXXXXX | 927920 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 927920 | XXXXXX | Months Reserves | 192.00 | 9.85 |
| XXXXXX | 927929 | XXXXXX | Debt to Income Ratio (Back) | 15.5200 | 41.3445 |
| XXXXXX | 928035 | XXXXXX | Borrower DSCR Percent | 1.29 | 1.2935 |
| XXXXXX | 928035 | XXXXXX | Cash Reserves | 1401.77 | 28078.38 |
| XXXXXX | 927933 | XXXXXX | Cash Reserves | 113961.07 | 110961.10 |
| XXXXXX | 927933 | XXXXXX | Debt to Income Ratio (Back) | 8.7800 | 11.9658 |
| XXXXXX | 927933 | XXXXXX | Months Reserves | 26.00 | 25.38 |
| XXXXXX | 927716 | XXXXXX | Months Reserves | 171.00 | 160.40 |
| XXXXXX | 927716 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 927716 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 927718 | XXXXXX | Cash Reserves | 294824.98 | 236773.87 |
| XXXXXX | 927718 | XXXXXX | Debt to Income Ratio (Back) | 22.9000 | 35.2154 |
| XXXXXX | 927718 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 927718 | XXXXXX | Months Reserves | 124.00 | 99.66 |
| XXXXXX | 927718 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933378 | XXXXXX | Cash Reserves | 46450.30 | 42708.23 |
| XXXXXX | 933378 | XXXXXX | Debt to Income Ratio (Back) | 34.2700 | 36.5389 |
| XXXXXX | 933378 | XXXXXX | Months Reserves | 14.00 | 12.92 |
| XXXXXX | 933378 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 927932 | XXXXXX | Months Reserves | 313.00 | 260.42 |
| XXXXXX | 908774 | XXXXXX | Borrower DSCR Percent | 0.75 | 0.7576 |
| XXXXXX | 908774 | XXXXXX | Months Reserves | 11.00 | 11.95 |
| XXXXXX | 933449 | XXXXXX | Borrower DSCR Percent | 1.01 | 1.0183 |
| XXXXXX | 933449 | XXXXXX | Months Reserves | 27.00 | 24.59 |
| XXXXXX | 928042 | XXXXXX | Borrower DSCR Percent | 1.1 | 0.852 |
| XXXXXX | 928042 | XXXXXX | Cash Reserves | 587853.10 | 303907.95 |
| XXXXXX | 928042 | XXXXXX | Months Reserves | 270.00 | 139.97 |
| XXXXXX | 928042 | XXXXXX | Representative Credit Score for Grading | 701 | 695 |
| XXXXXX | 928042 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 927945 | XXXXXX | Debt to Income Ratio (Back) | 24.8600 | 39.6515 |
| XXXXXX | 927945 | XXXXXX | Months Reserves | 14.00 | 14.56 |
| XXXXXX | 928043 | XXXXXX | Borrower DSCR Percent | 0.77 | 0.7465 |
| XXXXXX | 928043 | XXXXXX | Cash Reserves | 726300.25 | 341897.34 |
| XXXXXX | 928043 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 928043 | XXXXXX | Months Reserves | 307.00 | 143.47 |
| XXXXXX | 928043 | XXXXXX | Number of Units | 3 | 1 |
| XXXXXX | 928043 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933622 | XXXXXX | Borrower DSCR Percent | 1.48 | 1.4871 |
| XXXXXX | 933622 | XXXXXX | Cash Reserves | 362176.35 | 363769.46 |
| XXXXXX | 933622 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 933622 | XXXXXX | Months Reserves | 80.00 | 80.74 |
| XXXXXX | 933622 | XXXXXX | Number of Units | 2 | 3 |
| XXXXXX | 933622 | XXXXXX | Property Type | 2 Family | 3 Family |
| XXXXXX | 928044 | XXXXXX | Borrower DSCR Percent | 1.1 | 1.005 |
| XXXXXX | 928044 | XXXXXX | Cash Reserves | 96765.34 | 53216.69 |
| XXXXXX | 928044 | XXXXXX | Months Reserves | 57.00 | 30.82 |
| XXXXXX | 928044 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 928044 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 928047 | XXXXXX | Borrower DSCR Percent | 1.34 | 1.3489 |
| XXXXXX | 928047 | XXXXXX | Cash Reserves | 61383.49 | 61679.08 |
| XXXXXX | 928047 | XXXXXX | Months Reserves | 21.00 | 21.89 |
| XXXXXX | 928049 | XXXXXX | Borrower DSCR Percent | 1.42 | 1.4216 |
| XXXXXX | 928049 | XXXXXX | Cash Reserves | 287408.79 | 252843.79 |
| XXXXXX | 928049 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 928049 | XXXXXX | Months Reserves | 74.00 | 65.35 |
| XXXXXX | 928048 | XXXXXX | Borrower DSCR Percent | 1.17 | 1.1758 |
| XXXXXX | 928048 | XXXXXX | Months Reserves | 99.00 | 98.64 |
| XXXXXX | 928048 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 928048 | XXXXXX | Representative Credit Score for Grading | 773 | 757 |
| XXXXXX | 928048 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 927770 | XXXXXX | Cash Reserves | 54701.10 | 87341.01 |
| XXXXXX | 927770 | XXXXXX | Debt to Income Ratio (Back) | 36.1800 | 49.9881 |
| XXXXXX | 927770 | XXXXXX | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| XXXXXX | 927770 | XXXXXX | Months Reserves | 10.00 | 17.54 |
| XXXXXX | 928095 | XXXXXX | Borrower DSCR Percent | 1.05 | 1.2757 |
| XXXXXX | 928052 | XXXXXX | Borrower DSCR Percent | 1.39 | 1.3929 |
| XXXXXX | 928052 | XXXXXX | Cash Reserves | 20859.71 | 14757.87 |
| XXXXXX | 928052 | XXXXXX | Months Reserves | 15.00 | 11.11 |
| XXXXXX | 928052 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 927973 | XXXXXX | Cash Reserves | 43688.12 | 27268.00 |
| XXXXXX | 927973 | XXXXXX | Months Reserves | 11.00 | 7.23 |
| XXXXXX | 927973 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 928053 | XXXXXX | Borrower DSCR Percent | 1.14 | 1.1393 |
| XXXXXX | 928053 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 931355 | XXXXXX | Borrower DSCR Percent | 0.66 | 0.6697 |
| XXXXXX | 931355 | XXXXXX | Cash Reserves | 210968.70 | 216549.03 |
| XXXXXX | 931355 | XXXXXX | Months Reserves | 106.00 | 85.32 |
| XXXXXX | 931355 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 927975 | XXXXXX | Cash Reserves | 23359.26 | 64392.20 |
| XXXXXX | 927975 | XXXXXX | Months Reserves | 9.00 | 26.60 |
| XXXXXX | 928054 | XXXXXX | Borrower DSCR Percent | 1.03 | 1.0383 |
| XXXXXX | 928054 | XXXXXX | Cash Reserves | 245150.70 | 185301.33 |
| XXXXXX | 928054 | XXXXXX | Months Reserves | 118.00 | 89.49 |
| XXXXXX | 928054 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 927947 | XXXXXX | Cash Reserves | 26340.00 | 216815.76 |
| XXXXXX | 927947 | XXXXXX | Debt to Income Ratio (Back) | 31.7500 | 29.0502 |
| XXXXXX | 927947 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 927947 | XXXXXX | Months Reserves | 2.00 | 24.48 |
| XXXXXX | 927947 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 928056 | XXXXXX | Borrower DSCR Percent | 0.8 | 0.7993 |
| XXXXXX | 928056 | XXXXXX | Cash Reserves | 235817.24 | 215105.33 |
| XXXXXX | 928056 | XXXXXX | Months Reserves | 128.00 | 90.49 |
| XXXXXX | 928056 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| XXXXXX | 928091 | XXXXXX | Borrower DSCR Percent | 1.12 | 1.1247 |
| XXXXXX | 928091 | XXXXXX | Months Reserves | 37.00 | 37.22 |
| XXXXXX | 928091 | XXXXXX | Representative Credit Score for Grading | 688 | 687 |
| XXXXXX | 927980 | XXXXXX | Cash Reserves | 62412.63 | 62238.95 |
| XXXXXX | 927980 | XXXXXX | Debt to Income Ratio (Back) | 37.7900 | 46.3464 |
| XXXXXX | 927980 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 927980 | XXXXXX | Months Reserves | 8.00 | 8.91 |
| XXXXXX | 927935 | XXXXXX | Cash Reserves | 179556.19 | 179457.23 |
| XXXXXX | 927935 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 927935 | XXXXXX | Months Reserves | 43.00 | 43.32 |
| XXXXXX | 928058 | XXXXXX | Borrower DSCR Percent | 1.06 | 0.9921 |
| XXXXXX | 928058 | XXXXXX | Cash Reserves | 684695.23 | 248549.97 |
| XXXXXX | 928058 | XXXXXX | Months Reserves | 292.00 | 91.34 |
| XXXXXX | 928058 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 928059 | XXXXXX | Borrower DSCR Percent | 1 | 1.0076 |
| XXXXXX | 928059 | XXXXXX | Cash Reserves | 45472.45 | 37648.20 |
| XXXXXX | 928059 | XXXXXX | Months Reserves | 13.00 | 11.50 |
| XXXXXX | 928060 | XXXXXX | Borrower DSCR Percent | 1.07 | 1.0719 |
| XXXXXX | 928060 | XXXXXX | Cash Reserves | 82808.61 | 142653.48 |
| XXXXXX | 928060 | XXXXXX | Months Reserves | 27.00 | 47.76 |
| XXXXXX | 928062 | XXXXXX | Borrower DSCR Percent | 1.03 | 1.0319 |
| XXXXXX | 928062 | XXXXXX | Months Reserves | 110.00 | 110.06 |
| XXXXXX | 928062 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 928066 | XXXXXX | Borrower DSCR Percent | 0.76 | 0.7631 |
| XXXXXX | 928066 | XXXXXX | Cash Reserves | 148654.69 | 114291.30 |
| XXXXXX | 928066 | XXXXXX | Months Reserves | 47.00 | 36.34 |
| XXXXXX | 928066 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933453 | XXXXXX | Borrower DSCR Percent | 1.96 | 1.9655 |
| XXXXXX | 933453 | XXXXXX | Cash Reserves | 5851.75 | 5887.75 |
| XXXXXX | 933453 | XXXXXX | Months Reserves | 4.00 | 4.90 |
| XXXXXX | 933453 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 933454 | XXXXXX | Borrower DSCR Percent | 1.03 | 1.0383 |
| XXXXXX | 933454 | XXXXXX | Cash Reserves | 24135.96 | 10135.96 |
| XXXXXX | 933454 | XXXXXX | Months Reserves | 16.00 | 6.16 |
| XXXXXX | 933454 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| XXXXXX | 928068 | XXXXXX | Borrower DSCR Percent | 0.88 | 0.8805 |
| XXXXXX | 928068 | XXXXXX | Months Reserves | 9.00 | 9.38 |
| XXXXXX | 927982 | XXXXXX | Cash Reserves | 255207.59 | 137052.31 |
| XXXXXX | 927982 | XXXXXX | Months Reserves | 45.00 | 24.45 |
| XXXXXX | 927984 | XXXXXX | Cash Reserves | 105530.73 | 348943.03 |
| XXXXXX | 927984 | XXXXXX | Debt to Income Ratio (Back) | 21.7900 | 31.3257 |
| XXXXXX | 927984 | XXXXXX | Months Reserves | 6.00 | 22.76 |
| XXXXXX | 927936 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 704443 | XXXXXX | Borrower DSCR Percent | 1.49 | 1.4921 |
| XXXXXX | 704443 | XXXXXX | Cash Reserves | 140880.44 | 101475.54 |
| XXXXXX | 704443 | XXXXXX | Months Reserves | 140.00 | 100.95 |
| XXXXXX | 933381 | XXXXXX | Cash Reserves | 115795.15 | 217273.28 |
| XXXXXX | 933381 | XXXXXX | Debt to Income Ratio (Back) | 32.2700 | 25.8221 |
| XXXXXX | 933381 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 933381 | XXXXXX | Months Reserves | 14.00 | 27.55 |
| XXXXXX | 928013 | XXXXXX | Cash Reserves | 63322.00 | 79731.42 |
| XXXXXX | 928013 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 928013 | XXXXXX | Months Reserves | 7.00 | 10.01 |
| XXXXXX | 927937 | XXXXXX | Cash Reserves | 25808.79 | 25715.45 |
| XXXXXX | 927937 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 927937 | XXXXXX | Months Reserves | 6.00 | 6.88 |
| XXXXXX | 933456 | XXXXXX | Borrower DSCR Percent | 1.07 | 1.0741 |
| XXXXXX | 933456 | XXXXXX | Cash Reserves | 124878.74 | 124594.26 |
| XXXXXX | 933456 | XXXXXX | Months Reserves | 62.00 | 55.76 |
| XXXXXX | 933456 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933424 | XXXXXX | Cash Reserves | 64706.33 | 70130.86 |
| XXXXXX | 933424 | XXXXXX | Debt to Income Ratio (Back) | 49.6400 | 47.2315 |
| XXXXXX | 933424 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 933424 | XXXXXX | Months Reserves | 17.00 | 18.67 |
| XXXXXX | 928073 | XXXXXX | Borrower DSCR Percent | 1.08 | 1.0801 |
| XXXXXX | 928073 | XXXXXX | Cash Reserves | 153023.21 | 172215.83 |
| XXXXXX | 928073 | XXXXXX | Months Reserves | 110.00 | 124.02 |
| XXXXXX | 928073 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 928075 | XXXXXX | Borrower DSCR Percent | 1.36 | 1.3664 |
| XXXXXX | 928075 | XXXXXX | Cash Reserves | 133400.44 | 133625.44 |
| XXXXXX | 928075 | XXXXXX | Months Reserves | 95.00 | 96.10 |
| XXXXXX | 928009 | XXXXXX | Cash Reserves | 317097.25 | 337453.64 |
| XXXXXX | 928009 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 928009 | XXXXXX | Months Reserves | 28.00 | 30.16 |
| XXXXXX | 933429 | XXXXXX | Months Reserves | 97.00 | 97.29 |
| XXXXXX | 933429 | XXXXXX | Representative Credit Score for Grading | 671 | 650 |
| XXXXXX | 933429 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933519 | XXXXXX | Borrower DSCR Percent | 1.31 | 1.3191 |
| XXXXXX | 933519 | XXXXXX | Cash Reserves | 188442.32 | 188367.71 |
| XXXXXX | 933519 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 933519 | XXXXXX | Months Reserves | 53.00 | 53.44 |
| XXXXXX | 933519 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933609 | XXXXXX | Cash Reserves | 533719.75 | 308250.63 |
| XXXXXX | 933609 | XXXXXX | Months Reserves | 178.00 | 99.56 |
| XXXXXX | 933609 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 933609 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933435 | XXXXXX | Cash Reserves | 18737.48 | 26104.58 |
| XXXXXX | 933435 | XXXXXX | Debt to Income Ratio (Back) | 30.8400 | 34.6747 |
| XXXXXX | 933435 | XXXXXX | Months Reserves | 6.00 | 8.76 |
| XXXXXX | 933435 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 928078 | XXXXXX | Borrower DSCR Percent | 1 | 0.9376 |
| XXXXXX | 928078 | XXXXXX | Cash Reserves | 471612.93 | 447912.93 |
| XXXXXX | 928078 | XXXXXX | Months Reserves | 215.00 | 167.99 |
| XXXXXX | 933460 | XXXXXX | Borrower DSCR Percent | 1.11 | 1.1549 |
| XXXXXX | 933460 | XXXXXX | Cash Reserves | 102023.39 | 102000.09 |
| XXXXXX | 933460 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 933460 | XXXXXX | Months Reserves | 127.00 | 84.14 |
| XXXXXX | 933460 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933434 | XXXXXX | Borrower DSCR Percent | 1.1 |  |
| XXXXXX | 933434 | XXXXXX | Cash Reserves | 26577.42 | 44547.94 |
| XXXXXX | 933434 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 933434 | XXXXXX | Months Reserves | 10.00 | 17.44 |
| XXXXXX | 933461 | XXXXXX | Borrower DSCR Percent | 1.19 | 1.3342 |
| XXXXXX | 933461 | XXXXXX | Cash Reserves | 119117.74 | 127012.99 |
| XXXXXX | 933461 | XXXXXX | Months Reserves | 67.00 | 59.99 |
| XXXXXX | 933461 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 928079 | XXXXXX | Borrower DSCR Percent | 1.06 | 1.0687 |
| XXXXXX | 928079 | XXXXXX | Cash Reserves | 4985985.11 | 4985635.11 |
| XXXXXX | 928079 | XXXXXX | Months Reserves | 2525.00 | 1973.39 |
| XXXXXX | 928079 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 928079 | XXXXXX | Representative Credit Score for Grading | 714 | 692 |
| XXXXXX | 928081 | XXXXXX | Borrower DSCR Percent | 1 | 1.0063 |
| XXXXXX | 928081 | XXXXXX | Cash Reserves | 11441.26 | 18471.26 |
| XXXXXX | 928081 | XXXXXX | Months Reserves | 7.00 | 10.05 |
| XXXXXX | 928081 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| XXXXXX | 927988 | XXXXXX | Cash Reserves | 79559.50 | 190153.68 |
| XXXXXX | 927988 | XXXXXX | Months Reserves | 8.00 | 18.73 |
| XXXXXX | 928082 | XXXXXX | Borrower DSCR Percent | 1.58 | 1.5812 |
| XXXXXX | 928082 | XXXXXX | Cash Reserves | 16945.66 | 17541.36 |
| XXXXXX | 928082 | XXXXXX | Months Reserves | 15.00 | 16.32 |
| XXXXXX | 928083 | XXXXXX | Borrower DSCR Percent | 1.02 | 1.0203 |
| XXXXXX | 928083 | XXXXXX | Cash Reserves | 4929640.65 | 4930081.54 |
| XXXXXX | 928083 | XXXXXX | Months Reserves | 1999.00 | 1676.78 |
| XXXXXX | 928083 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 933518 | XXXXXX | Borrower DSCR Percent | 1 | 1.0058 |
| XXXXXX | 933518 | XXXXXX | Months Reserves | 84.00 | 84.84 |
| XXXXXX | 933518 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 927994 | XXXXXX | Borrower 1 SSN | XXXXXX | XXXXXX |
| XXXXXX | 927994 | XXXXXX | Cash Reserves | 218598.49 | 218133.94 |
| XXXXXX | 927994 | XXXXXX | Months Reserves | 34.00 | 33.68 |
| XXXXXX | 933464 | XXXXXX | Borrower DSCR Percent | 1.3 | 1.3003 |
| XXXXXX | 933464 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 933464 | XXXXXX | Months Reserves | 96.00 | 96.03 |
| XXXXXX | 933464 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933466 | XXXXXX | Borrower DSCR Percent | 1.23 | 1.2324 |
| XXXXXX | 933466 | XXXXXX | Cash Reserves | 32547.39 | 32548.06 |
| XXXXXX | 933466 | XXXXXX | Months Reserves | 17.00 | 17.44 |
| XXXXXX | 933468 | XXXXXX | Borrower DSCR Percent | 1.08 | 1.0795 |
| XXXXXX | 933468 | XXXXXX | Cash Reserves | 299130.80 | 299070.80 |
| XXXXXX | 933468 | XXXXXX | Months Reserves | 66.00 | 66.35 |
| XXXXXX | 933468 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 927941 | XXXXXX | Cash Reserves | 119147.03 | 118237.10 |
| XXXXXX | 927941 | XXXXXX | Months Reserves | 18.00 | 18.07 |
| XXXXXX | 927943 | XXXXXX | Cash Reserves | 172013.83 | 130223.90 |
| XXXXXX | 927943 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 927943 | XXXXXX | Months Reserves | 19.00 | 15.13 |
| XXXXXX | 933471 | XXXXXX | Borrower DSCR Percent | 1.06 | 1.0004 |
| XXXXXX | 933471 | XXXXXX | Cash Reserves | 818544.30 | 671838.86 |
| XXXXXX | 933471 | XXXXXX | Months Reserves | 399.00 | 298.73 |
| XXXXXX | 933472 | XXXXXX | Borrower DSCR Percent | 0.65 | 0.6574 |
| XXXXXX | 933472 | XXXXXX | Cash Reserves | 270437.93 | 262553.35 |
| XXXXXX | 933472 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 933472 | XXXXXX | Months Reserves | 32.00 | 31.97 |
| XXXXXX | 933641 | XXXXXX | Borrower DSCR Percent | 1.1 | 1.1451 |
| XXXXXX | 933641 | XXXXXX | Cash Reserves | 33729.93 | 38941.20 |
| XXXXXX | 933641 | XXXXXX | Months Reserves | 12.00 | 14.86 |
| XXXXXX | 933358 | XXXXXX | Cash Reserves | 682503.32 | 682503.80 |
| XXXXXX | 933358 | XXXXXX | Months Reserves | 173.00 | 172.92 |
| XXXXXX | 933358 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 933627 | XXXXXX | Borrower DSCR Percent | 1.34 | 1.3498 |
| XXXXXX | 933627 | XXXXXX | Months Reserves | 85.00 | 85.32 |
| XXXXXX | 933627 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 928087 | XXXXXX | Borrower DSCR Percent | 1.01 | 1.0162 |
| XXXXXX | 928087 | XXXXXX | Cash Reserves | 3100736.54 | 3100021.49 |
| XXXXXX | 928087 | XXXXXX | Months Reserves | 1426.00 | 1400.21 |
| XXXXXX | 928087 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 928088 | XXXXXX | Borrower DSCR Percent | 0.48 | 0.4884 |
| XXXXXX | 928088 | XXXXXX | Cash Reserves | 235231.60 | 235049.57 |
| XXXXXX | 928088 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 928088 | XXXXXX | Months Reserves | 35.00 | 34.79 |
| XXXXXX | 927997 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 933393 | XXXXXX | Months Reserves | 8.00 | 8.09 |
| XXXXXX | 933477 | XXXXXX | Borrower DSCR Percent | 1.03 | 1.1005 |
| XXXXXX | 933477 | XXXXXX | Cash Reserves | 408656.59 | 408415.97 |
| XXXXXX | 933477 | XXXXXX | Months Reserves | 124.00 | 124.85 |
| XXXXXX | 933477 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 933477 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933394 | XXXXXX | Months Reserves | 43.00 | 43.32 |
| XXXXXX | 933394 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 933543 | XXXXXX | Cash Reserves | 80524.11 | 80542.11 |
| XXXXXX | 933543 | XXXXXX | Months Reserves | 50.00 | 43.68 |
| XXXXXX | 933543 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933517 | XXXXXX | Borrower DSCR Percent | 1.1 | 1.1075 |
| XXXXXX | 933517 | XXXXXX | Cash Reserves | 303223.73 | 303104.10 |
| XXXXXX | 933517 | XXXXXX | Debt to Income Ratio (Back) | 3.3300 | 0.0000 |
| XXXXXX | 933517 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 933517 | XXXXXX | Months Reserves | 124.00 | 124.34 |
| XXXXXX | 933517 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 928097 | XXXXXX | Months Reserves | 175.00 | 175.89 |
| XXXXXX | 933395 | XXXXXX | Cash Reserves | 53620.41 | 51526.21 |
| XXXXXX | 933395 | XXXXXX | Months Reserves | 22.00 | 21.09 |
| XXXXXX | 933395 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 928098 | XXXXXX | Months Reserves | 215.00 | 215.10 |
| XXXXXX | 928098 | XXXXXX | Representative Credit Score for Grading | 816 | 792 |
| XXXXXX | 933485 | XXXXXX | Borrower DSCR Percent | 1.02 | 1.029 |
| XXXXXX | 933485 | XXXXXX | Cash Reserves | 5859.43 | 18914.65 |
| XXXXXX | 933485 | XXXXXX | Months Reserves | 2.00 | 8.11 |
| XXXXXX | 928089 | XXXXXX | Borrower DSCR Percent | 1.25 | 1.2529 |
| XXXXXX | 928089 | XXXXXX | Months Reserves | 90.00 | 85.13 |
| XXXXXX | 928089 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933486 | XXXXXX | Borrower DSCR Percent | 1.1 | 1.1082 |
| XXXXXX | 933486 | XXXXXX | Cash Reserves | 135713.29 | 113681.58 |
| XXXXXX | 933486 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 933486 | XXXXXX | Months Reserves | 80.00 | 48.46 |
| XXXXXX | 933399 | XXXXXX | Cash Reserves | 24555.62 | 29211.43 |
| XXXXXX | 933399 | XXXXXX | Months Reserves | 7.00 | 8.52 |
| XXXXXX | 933400 | XXXXXX | Cash Reserves | 55476.49 | 73234.70 |
| XXXXXX | 933400 | XXXXXX | Months Reserves | 18.00 | 23.92 |
| XXXXXX | 933544 | XXXXXX | Months Reserves | 67.00 | 67.68 |
| XXXXXX | 933544 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933588 | XXXXXX | Months Reserves | 6.00 | 6.78 |
| XXXXXX | 933588 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 927948 | XXXXXX | Cash Reserves | 153233.45 | 187320.50 |
| XXXXXX | 927948 | XXXXXX | Months Reserves | 14.00 | 17.70 |
| XXXXXX | 933679 | XXXXXX | Borrower DSCR Percent | 0.64 | 0.6475 |
| XXXXXX | 933679 | XXXXXX | Cash Reserves | 72916.53 | 71783.01 |
| XXXXXX | 933679 | XXXXXX | Months Reserves | 21.00 | 17.71 |
| XXXXXX | 933679 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933489 | XXXXXX | Borrower DSCR Percent | 1.07 | 1.0783 |
| XXXXXX | 933489 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 933489 | XXXXXX | Months Reserves | 36.00 | 36.62 |
| XXXXXX | 933489 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 223155 | XXXXXX | Borrower DSCR Percent | 1.53 | 1.3611 |
| XXXXXX | 223155 | XXXXXX | Cash Reserves | 22574.01 | 33864.91 |
| XXXXXX | 223155 | XXXXXX | Months Reserves | 6.00 | 8.86 |
| XXXXXX | 933545 | XXXXXX | Cash Reserves | 61149.82 | 17864.83 |
| XXXXXX | 933545 | XXXXXX | Debt to Income Ratio (Back) | 29.7200 | 26.3749 |
| XXXXXX | 933545 | XXXXXX | Months Reserves | 20.00 | 5.42 |
| XXXXXX | 933538 | XXXXXX | Cash Reserves | 641314.24 | 641871.43 |
| XXXXXX | 933538 | XXXXXX | Months Reserves | 53.00 | 53.67 |
| XXXXXX | 933494 | XXXXXX | Borrower DSCR Percent | 1.44 | 1.4474 |
| XXXXXX | 933494 | XXXXXX | Cash Reserves | 89674.54 | 120236.42 |
| XXXXXX | 933494 | XXXXXX | Months Reserves | 96.00 | 108.77 |
| XXXXXX | 48216 | XXXXXX | Cash Reserves | 55118.33 | 44722.84 |
| XXXXXX | 48216 | XXXXXX | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| XXXXXX | 48216 | XXXXXX | Months Reserves | 20.00 | 16.74 |
| XXXXXX | 933595 | XXXXXX | Cash Reserves | 26583.20 | 26583.53 |
| XXXXXX | 933595 | XXXXXX | Months Reserves | 8.00 | 7.98 |
| XXXXXX | 933547 | XXXXXX | Months Reserves | 95.00 | 95.57 |
| XXXXXX | 933634 | XXXXXX | Borrower DSCR Percent | 1.21 | 1.2324 |
| XXXXXX | 933634 | XXXXXX | Months Reserves | 8.00 | 6.33 |
| XXXXXX | 933634 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| XXXXXX | 933634 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933499 | XXXXXX | Borrower DSCR Percent | 1.07 | 1.0719 |
| XXXXXX | 933499 | XXXXXX | Cash Reserves | 23898.91 | 3281.91 |
| XXXXXX | 933499 | XXXXXX | Months Reserves | 10.00 | 1.50 |
| XXXXXX | 933408 | XXXXXX | Cash Reserves | 224759.57 | 221215.67 |
| XXXXXX | 933408 | XXXXXX | Debt to Income Ratio (Back) | 29.6300 | 32.4025 |
| XXXXXX | 933408 | XXXXXX | Months Reserves | 49.00 | 48.46 |
| XXXXXX | 933430 | XXXXXX | Borrower DSCR Percent | 1 |  |
| XXXXXX | 933430 | XXXXXX | Cash Reserves | 717021.05 | 335548.36 |
| XXXXXX | 933430 | XXXXXX | Debt to Income Ratio (Back) | 40.2500 | 49.5261 |
| XXXXXX | 933430 | XXXXXX | Months Reserves | 112.00 | 52.73 |
| XXXXXX | 933433 | XXXXXX | Borrower DSCR Percent | 1 |  |
| XXXXXX | 933548 | XXXXXX | Cash Reserves | 558247.08 | 582387.88 |
| XXXXXX | 933548 | XXXXXX | Months Reserves | 100.00 | 104.91 |
| XXXXXX | 933548 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933503 | XXXXXX | Borrower DSCR Percent | 1.02 | 0.9956 |
| XXXXXX | 933503 | XXXXXX | Cash Reserves | 17769.91 | 129406.70 |
| XXXXXX | 933503 | XXXXXX | Months Reserves | 9.00 | 66.08 |
| XXXXXX | 933550 | XXXXXX | Cash Reserves | 258628.34 | 258803.34 |
| XXXXXX | 933550 | XXXXXX | Months Reserves | 93.00 | 93.61 |
| XXXXXX | 933550 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933673 | XXXXXX | Borrower DSCR Percent | 0.96 | 0.9634 |
| XXXXXX | 933673 | XXXXXX | Cash Reserves | 478966.45 | 353773.25 |
| XXXXXX | 933673 | XXXXXX | Months Reserves | 177.00 | 131.09 |
| XXXXXX | 933675 | XXXXXX | Borrower DSCR Percent | 0.92 | 0.9273 |
| XXXXXX | 933675 | XXXXXX | Cash Reserves | 490698.95 | 365405.75 |
| XXXXXX | 933675 | XXXXXX | Months Reserves | 182.00 | 135.55 |
| XXXXXX | 933662 | XXXXXX | Borrower DSCR Percent | 1 | 1.008 |
| XXXXXX | 933521 | XXXXXX | Borrower DSCR Percent | 0.99 | 0.9946 |
| XXXXXX | 933438 | XXXXXX | Months Reserves | 66.00 | 67.97 |
| XXXXXX | 933508 | XXXXXX | Cash Reserves | 43164.64 | 105963.70 |
| XXXXXX | 933508 | XXXXXX | Months Reserves | 43.00 | 87.01 |
| XXXXXX | 933644 | XXXXXX | Borrower DSCR Percent | 1.08 | 1.0872 |
| XXXXXX | 933644 | XXXXXX | Cash Reserves | 119448.64 | 101718.98 |
| XXXXXX | 933644 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 933644 | XXXXXX | Months Reserves | 51.00 | 44.24 |
| XXXXXX | 933644 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 933552 | XXXXXX | Months Reserves | 15.00 | 15.61 |
| XXXXXX | 933511 | XXXXXX | Borrower DSCR Percent | 1.18 | 1.2105 |
| XXXXXX | 933511 | XXXXXX | Cash Reserves | 251280.94 | 6127.90 |
| XXXXXX | 933511 | XXXXXX | Months Reserves | 202.00 | 3.37 |
| XXXXXX | 933587 | XXXXXX | Cash Reserves | 107750.93 | 107774.57 |
| XXXXXX | 933587 | XXXXXX | Debt to Income Ratio (Back) | 29.2600 | 27.2467 |
| XXXXXX | 933587 | XXXXXX | Months Reserves | 18.00 | 17.52 |
| XXXXXX | 933587 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933636 | XXXXXX | Borrower DSCR Percent | 1.14 | 1.1411 |
| XXXXXX | 933636 | XXXXXX | Cash Reserves | 142554.53 | 177822.72 |
| XXXXXX | 933636 | XXXXXX | Months Reserves | 84.00 | 96.63 |
| XXXXXX | 933664 | XXXXXX | Borrower DSCR Percent | 1 | 1.0066 |
| XXXXXX | 933664 | XXXXXX | Cash Reserves | 123708.20 | 642778.56 |
| XXXXXX | 933664 | XXXXXX | Months Reserves | 50.00 | 215.69 |
| XXXXXX | 933664 | XXXXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| XXXXXX | 933610 | XXXXXX | Cash Reserves | 112108.39 | 112683.39 |
| XXXXXX | 933610 | XXXXXX | Months Reserves | 62.00 | 51.59 |
| XXXXXX | 933610 | XXXXXX | Representative Credit Score for Grading | 738 | 709 |
| XXXXXX | 933608 | XXXXXX | Cash Reserves | 112256.06 | 1075457.49 |
| XXXXXX | 933608 | XXXXXX | Debt to Income Ratio (Back) | 37.5100 | 14.9167 |
| XXXXXX | 933608 | XXXXXX | Months Reserves | 26.00 | 248.63 |
| XXXXXX | 933632 | XXXXXX | Borrower DSCR Percent | 1.26 | 1.1966 |
| XXXXXX | 933632 | XXXXXX | Cash Reserves | 188067.16 | 94935.00 |
| XXXXXX | 933632 | XXXXXX | Months Reserves | 88.00 | 44.78 |
| XXXXXX | 933632 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933678 | XXXXXX | Borrower DSCR Percent | 0.66 | 0.6687 |
| XXXXXX | 933678 | XXXXXX | Cash Reserves | 291583.16 | 58889.83 |
| XXXXXX | 933678 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 933678 | XXXXXX | Months Reserves | 64.00 | 13.13 |
| XXXXXX | 933645 | XXXXXX | Borrower DSCR Percent | 1.08 | 1.0818 |
| XXXXXX | 933645 | XXXXXX | Cash Reserves | 42119.96 | 51065.38 |
| XXXXXX | 933645 | XXXXXX | Months Reserves | 16.00 | 20.46 |
| XXXXXX | 933677 | XXXXXX | Borrower DSCR Percent | 0.8 | 0.8066 |
| XXXXXX | 933677 | XXXXXX | Cash Reserves | 77988.89 | 78754.73 |
| XXXXXX | 933677 | XXXXXX | Months Reserves | 26.00 | 26.47 |
| XXXXXX | 933652 | XXXXXX | Borrower DSCR Percent | 1.02 | 1.0289 |
| XXXXXX | 933652 | XXXXXX | Months Reserves | 101.00 | 101.46 |
| XXXXXX | 933652 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933513 | XXXXXX | Borrower DSCR Percent | 1.75 | 1.7529 |
| XXXXXX | 933513 | XXXXXX | Cash Reserves | 895425.05 | 615338.95 |
| XXXXXX | 933513 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 933513 | XXXXXX | Months Reserves | 138.00 | 93.80 |
| XXXXXX | 933513 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933555 | XXXXXX | Months Reserves | 97.00 | 97.54 |
| XXXXXX | 933555 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933647 | XXXXXX | Borrower DSCR Percent | 1.06 | 1.0608 |
| XXXXXX | 933647 | XXXXXX | Cash Reserves | 52051.72 | 48906.08 |
| XXXXXX | 933647 | XXXXXX | Months Reserves | 20.00 | 18.97 |
| XXXXXX | 933617 | XXXXXX | Borrower DSCR Percent | 2.98 | 2.9822 |
| XXXXXX | 933617 | XXXXXX | Cash Reserves | 387418.20 | 308503.82 |
| XXXXXX | 933617 | XXXXXX | Months Reserves | 169.00 | 134.77 |
| XXXXXX | 933617 | XXXXXX | Number of Units | 2 | 4 |
| XXXXXX | 933617 | XXXXXX | Property Type | 2 Family | 4 Family |
| XXXXXX | 933617 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933656 | XXXXXX | Borrower DSCR Percent | 1.01 | 1.0188 |
| XXXXXX | 933656 | XXXXXX | Cash Reserves | 16145.24 | 18107.58 |
| XXXXXX | 933656 | XXXXXX | Months Reserves | 6.00 | 7.10 |
| XXXXXX | 933604 | XXXXXX | Cash Reserves | 1093471.33 | 1171799.71 |
| XXXXXX | 933604 | XXXXXX | Months Reserves | 116.00 | 124.89 |
| XXXXXX | 933514 | XXXXXX | Borrower DSCR Percent | 1.06 | 1.0659 |
| XXXXXX | 933514 | XXXXXX | Cash Reserves | 38188.51 | 33920.71 |
| XXXXXX | 933514 | XXXXXX | Months Reserves | 13.00 | 12.05 |
| XXXXXX | 933646 | XXXXXX | Borrower DSCR Percent | 1.08 | 1.0857 |
| XXXXXX | 933646 | XXXXXX | Months Reserves | 106.00 | 106.81 |
| XXXXXX | 933646 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933676 | XXXXXX | Borrower DSCR Percent | 0.83 | 0.8327 |
| XXXXXX | 933676 | XXXXXX | Cash Reserves | 238276.05 | 233276.05 |
| XXXXXX | 933676 | XXXXXX | Months Reserves | 73.00 | 71.94 |
| XXXXXX | 933558 | XXXXXX | Months Reserves | 141.00 | 138.46 |
| XXXXXX | 933558 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933624 | XXXXXX | Borrower DSCR Percent | 1.39 | 1.3919 |
| XXXXXX | 933624 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 933624 | XXXXXX | Months Reserves | 41.00 | 41.72 |
| XXXXXX | 933624 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933559 | XXXXXX | Cash Reserves | 31561.08 | 26829.97 |
| XXXXXX | 933559 | XXXXXX | Months Reserves | 8.00 | 6.00 |
| XXXXXX | 933665 | XXXXXX | Borrower DSCR Percent | 1 | 1.0002 |
| XXXXXX | 933665 | XXXXXX | Cash Reserves | 47133.63 | 47134.25 |
| XXXXXX | 933665 | XXXXXX | Months Reserves | 23.00 | 19.64 |
| XXXXXX | 933665 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| XXXXXX | 933666 | XXXXXX | Borrower DSCR Percent | 1 | 1.001 |
| XXXXXX | 933666 | XXXXXX | Cash Reserves | 38048.52 | 39179.52 |
| XXXXXX | 933666 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 933666 | XXXXXX | Months Reserves | 6.00 | 6.54 |
| XXXXXX | 933680 | XXXXXX | Borrower DSCR Percent | 1.14 | 1.1419 |
| XXXXXX | 933680 | XXXXXX | Cash Reserves | 71221.52 | 71194.52 |
| XXXXXX | 933680 | XXXXXX | Months Reserves | 26.00 | 26.23 |
| XXXXXX | 933680 | XXXXXX | Representative Credit Score for Grading | 695 | 694 |
| XXXXXX | 933535 | XXXXXX | Cash Reserves | 50666.40 | 53989.63 |
| XXXXXX | 933535 | XXXXXX | Debt to Income Ratio (Back) | 44.1700 | 46.3237 |
| XXXXXX | 933535 | XXXXXX | Months Reserves | 12.00 | 13.76 |
| XXXXXX | 933535 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933628 | XXXXXX | Borrower DSCR Percent | 1.34 | 1.3407 |
| XXXXXX | 933628 | XXXXXX | Months Reserves | 43.00 | 43.98 |
| XXXXXX | 933667 | XXXXXX | Borrower DSCR Percent | 1 | 1.0093 |
| XXXXXX | 933667 | XXXXXX | Months Reserves | 24.00 | 24.10 |
| XXXXXX | 933653 | XXXXXX | Borrower 1 SSN | XXXXXX | XXXXXX |
| XXXXXX | 933653 | XXXXXX | Borrower DSCR Percent | 1.02 | 1.0254 |
| XXXXXX | 933653 | XXXXXX | Months Reserves | 7.00 | 6.32 |
| XXXXXX | 933648 | XXXXXX | Borrower DSCR Percent | 1.03 | 1.0351 |
| XXXXXX | 933648 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 933585 | XXXXXX | Cash Reserves | 404.93 | 373.92 |
| XXXXXX | 933585 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 933585 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| XXXXXX | 933606 | XXXXXX | Cash Reserves | 26371.35 | 28276.79 |
| XXXXXX | 933606 | XXXXXX | Debt to Income Ratio (Back) | 38.3700 | 36.1766 |
| XXXXXX | 933606 | XXXXXX | Months Reserves | 9.00 | 10.22 |
| XXXXXX | 933638 | XXXXXX | Borrower DSCR Percent | 1.13 | 1.1368 |
| XXXXXX | 933638 | XXXXXX | Months Reserves | 71.00 | 71.25 |
| XXXXXX | 933638 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933607 | XXXXXX | Cash Reserves | 158499.19 | 158142.94 |
| XXXXXX | 933607 | XXXXXX | Months Reserves | 46.00 | 42.00 |
| XXXXXX | 933607 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933650 | XXXXXX | Borrower DSCR Percent | 1.03 | 1.0312 |
| XXXXXX | 933650 | XXXXXX | Cash Reserves | 339433.29 | 56543.17 |
| XXXXXX | 933650 | XXXXXX | Months Reserves | 156.00 | 24.81 |
| XXXXXX | 933649 | XXXXXX | Borrower DSCR Percent | 1.05 | 1.1888 |
| XXXXXX | 933649 | XXXXXX | Months Reserves | 33.00 | 33.70 |
| XXXXXX | 933649 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933620 | XXXXXX | Borrower DSCR Percent | 1.52 | 1.5272 |
| XXXXXX | 933620 | XXXXXX | Months Reserves | 4.00 | 4.69 |
| XXXXXX | 933620 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933654 | XXXXXX | Borrower DSCR Percent | 1.02 | 1.0262 |
| XXXXXX | 933654 | XXXXXX | Cash Reserves | 22070.54 | 21070.54 |
| XXXXXX | 933654 | XXXXXX | Months Reserves | 11.00 | 11.38 |
| XXXXXX | 933619 | XXXXXX | Borrower DSCR Percent | 1.57 | 1.572 |
| XXXXXX | 933619 | XXXXXX | Cash Reserves | 137761.41 | 137709.33 |
| XXXXXX | 933619 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 933619 | XXXXXX | Months Reserves | 88.00 | 88.72 |
| XXXXXX | 933619 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933682 | XXXXXX | Borrower DSCR Percent | 1.09 | 1.0952 |
| XXXXXX | 933682 | XXXXXX | Cash Reserves | 1840.56 | 1770.56 |
| XXXXXX | 933613 | XXXXXX | Borrower DSCR Percent | 1.5 |  |
| XXXXXX | 933613 | XXXXXX | Months Reserves | 75.00 | 75.83 |
| XXXXXX | 933672 | XXXXXX | Borrower DSCR Percent | 0.99 | 0.9961 |
| XXXXXX | 933672 | XXXXXX | Cash Reserves | 84554.44 | 149293.87 |
| XXXXXX | 933672 | XXXXXX | Months Reserves | 28.00 | 49.57 |
| XXXXXX | 933516 | XXXXXX | Borrower DSCR Percent | 1.26 | 1.2662 |
| XXXXXX | 933516 | XXXXXX | Cash Reserves | 26571.79 | 14219.65 |
| XXXXXX | 933516 | XXXXXX | Months Reserves | 18.00 | 10.00 |
| XXXXXX | 933685 | XXXXXX | Borrower DSCR Percent | 1.02 | 0.8919 |
| XXXXXX | 933685 | XXXXXX | Cash Reserves | 32445.36 | 47210.15 |
| XXXXXX | 933685 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 933685 | XXXXXX | Months Reserves | 8.00 | 14.77 |
| XXXXXX | 933601 | XXXXXX | Cash Reserves | 373853.87 | 368268.44 |
| XXXXXX | 933601 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 933601 | XXXXXX | Months Reserves | 30.00 | 29.68 |
| XXXXXX | 933637 | XXXXXX | Borrower DSCR Percent | 1.17 | 1.2604 |
| XXXXXX | 933637 | XXXXXX | Cash Reserves | 270610.23 | 206811.47 |
| XXXXXX | 933637 | XXXXXX | Months Reserves | 101.00 | 82.75 |
| XXXXXX | 933637 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933618 | XXXXXX | Borrower DSCR Percent | 1.61 | 2.2749 |
| XXXXXX | 933618 | XXXXXX | Cash Reserves | 129277.53 | 129277.80 |
| XXXXXX | 933618 | XXXXXX | Months Reserves | 44.00 | 44.90 |
| XXXXXX | 933618 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933686 | XXXXXX | Borrower DSCR Percent | 1.02 | 0.8811 |
| XXXXXX | 933686 | XXXXXX | Months Reserves | 31.00 | 29.97 |
| XXXXXX | 933686 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933657 | XXXXXX | Borrower DSCR Percent | 1.01 | 1.0111 |
| XXXXXX | 933657 | XXXXXX | Cash Reserves | 133705.07 | 133705.13 |
| XXXXXX | 933657 | XXXXXX | Months Reserves | 60.00 | 54.08 |
| XXXXXX | 933630 | XXXXXX | Borrower DSCR Percent | 1.27 | 1.2718 |
| XXXXXX | 933630 | XXXXXX | Months Reserves | 16.00 | 16.04 |
| XXXXXX | 933630 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933629 | XXXXXX | Borrower DSCR Percent | 1.29 | 1.2972 |
| XXXXXX | 933629 | XXXXXX | Months Reserves | 9.00 | 9.28 |
| XXXXXX | 933629 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933633 | XXXXXX | Borrower DSCR Percent | 1.26 | 1.2684 |
| XXXXXX | 933633 | XXXXXX | Months Reserves | 9.00 | 9.60 |
| XXXXXX | 933633 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933658 | XXXXXX | Borrower DSCR Percent | 1.01 | 1.0181 |
| XXXXXX | 933658 | XXXXXX | Cash Reserves | 456998.11 | 465692.54 |
| XXXXXX | 933658 | XXXXXX | Months Reserves | 155.00 | 158.05 |
| XXXXXX | 933681 | XXXXXX | Borrower DSCR Percent | 1.24 | 1.2363 |
| XXXXXX | 933681 | XXXXXX | Cash Reserves | 41774.16 | 43484.56 |
| XXXXXX | 933681 | XXXXXX | Months Reserves | 25.00 | 23.37 |
| XXXXXX | 933681 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 933640 | XXXXXX | Borrower DSCR Percent | 1.12 | 1.1293 |
| XXXXXX | 933640 | XXXXXX | Cash Reserves | 219404.90 | 558056.20 |
| XXXXXX | 933640 | XXXXXX | Months Reserves | 105.00 | 268.20 |
| XXXXXX | 933640 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 933640 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933655 | XXXXXX | Borrower DSCR Percent | 1.02 | 1.1357 |
| XXXXXX | 933655 | XXXXXX | Cash Reserves | 32899.62 | 31719.14 |
| XXXXXX | 933655 | XXXXXX | Months Reserves | 12.00 | 12.21 |
| XXXXXX | 933668 | XXXXXX | Borrower DSCR Percent | 1 | 1.0091 |
| XXXXXX | 933668 | XXXXXX | Cash Reserves | 28770.44 | 28977.94 |
| XXXXXX | 933668 | XXXXXX | Months Reserves | 9.00 | 9.14 |
| XXXXXX | 933639 | XXXXXX | Borrower DSCR Percent | 1.13 | 1.1333 |
| XXXXXX | 933639 | XXXXXX | Months Reserves | 106.00 | 106.89 |
| XXXXXX | 933639 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933621 | XXXXXX | Borrower DSCR Percent | 1.51 | 1.5177 |
| XXXXXX | 933621 | XXXXXX | Months Reserves | 30.00 | 30.09 |
| XXXXXX | 933621 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 933623 | XXXXXX | Borrower DSCR Percent | 1.42 | 1.4248 |
| XXXXXX | 933623 | XXXXXX | Cash Reserves | 52785.06 | 52785.46 |
| XXXXXX | 933623 | XXXXXX | Months Reserves | 28.00 | 28.38 |
| XXXXXX | 933625 | XXXXXX | Borrower DSCR Percent | 1.37 | 1.3754 |
| XXXXXX | 933625 | XXXXXX | Cash Reserves | 97763.30 | 97999.30 |
| XXXXXX | 933625 | XXXXXX | Months Reserves | 30.00 | 30.99 |
| XXXXXX | 933625 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933669 | XXXXXX | Borrower DSCR Percent | 1 | 0.935 |
| XXXXXX | 933669 | XXXXXX | Months Reserves | 93.00 | 93.26 |
| XXXXXX | 933669 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933568 | XXXXXX | Cash Reserves | 167453.50 | 166535.25 |
| XXXXXX | 933568 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 933568 | XXXXXX | Months Reserves | 15.00 | 15.17 |
| XXXXXX | 933603 | XXXXXX | Borrower DSCR Percent | 1 |  |
| XXXXXX | 933603 | XXXXXX | Cash Reserves | 22761.86 | 36147.60 |
| XXXXXX | 933603 | XXXXXX | Months Reserves | 9.00 | 12.72 |
| XXXXXX | 933570 | XXXXXX | Cash Reserves | 34455.89 | 55728.04 |
| XXXXXX | 933570 | XXXXXX | Months Reserves | 8.00 | 14.34 |
| XXXXXX | 933591 | XXXXXX | Cash Reserves | 345850.06 | 99266.76 |
| XXXXXX | 933591 | XXXXXX | Months Reserves | 78.00 | 22.40 |
| XXXXXX | 933591 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933659 | XXXXXX | Borrower DSCR Percent | 1.01 | 1.0156 |
| XXXXXX | 933659 | XXXXXX | Cash Reserves | 141827.98 | 168429.31 |
| XXXXXX | 933659 | XXXXXX | Months Reserves | 94.00 | 92.47 |
| XXXXXX | 933674 | XXXXXX | Borrower DSCR Percent | 0.93 | 0.9389 |
| XXXXXX | 933674 | XXXXXX | Months Reserves | 57.00 | 50.64 |
| XXXXXX | 933674 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 933642 | XXXXXX | Borrower DSCR Percent | 1.1 | 1.1357 |
| XXXXXX | 933642 | XXXXXX | Cash Reserves | 333130.03 | 332130.03 |
| XXXXXX | 933642 | XXXXXX | Months Reserves | 111.00 | 112.61 |
| XXXXXX | 933683 | XXXXXX | Borrower DSCR Percent | 2.06 | 2.0637 |
| XXXXXX | 933683 | XXXXXX | Months Reserves | 94.00 | 75.25 |
| XXXXXX | 933683 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933530 | XXXXXX | Cash Reserves | 119799.02 | 104985.67 |
| XXXXXX | 933530 | XXXXXX | Months Reserves | 19.00 | 17.10 |
| XXXXXX | 933572 | XXXXXX | Cash Reserves | 504524.64 | 67698.24 |
| XXXXXX | 933572 | XXXXXX | Months Reserves | 241.00 | 32.45 |
| XXXXXX | 933572 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 933670 | XXXXXX | Borrower DSCR Percent | 1 | 1.0004 |
| XXXXXX | 933670 | XXXXXX | Cash Reserves | 196360.92 | 215870.50 |
| XXXXXX | 933670 | XXXXXX | Months Reserves | 39.00 | 43.19 |
| XXXXXX | 933670 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 933612 | XXXXXX | Cash Reserves | 180709.29 | 180710.25 |
| XXXXXX | 933612 | XXXXXX | Debt to Income Ratio (Back) | 4.5400 | 36.8289 |
| XXXXXX | 933612 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 933612 | XXXXXX | Months Reserves | 45.00 | 45.10 |
| XXXXXX | 933615 | XXXXXX | Borrower DSCR Percent | 1.19 | 1.2321 |
| XXXXXX | 933615 | XXXXXX | Cash Reserves | 348684.20 | 133051.27 |
| XXXXXX | 933615 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 933615 | XXXXXX | Months Reserves | 163.00 | 64.29 |
| XXXXXX | 933615 | XXXXXX | Representative Credit Score for Grading | 747 | 743 |
| XXXXXX | 933533 | XXXXXX | Cash Reserves | 206813.42 | 209645.92 |
| XXXXXX | 933533 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 933533 | XXXXXX | Months Reserves | 21.00 | 21.56 |
| XXXXXX | 933533 | XXXXXX | Property Type | SFR | SFR-Attached |
| XXXXXX | 933643 | XXXXXX | Borrower DSCR Percent | 1.09 | 1.0978 |
| XXXXXX | 933643 | XXXXXX | Cash Reserves | 100083.48 | 100172.82 |
| XXXXXX | 933643 | XXXXXX | Combined LTV | 80.00 | 75.04 |
| XXXXXX | 933643 | XXXXXX | Months Reserves | 56.00 | 56.98 |
| XXXXXX | 933643 | XXXXXX | Original LTV | 80.00 | 75.04 |
| XXXXXX | 933643 | XXXXXX | Sales Price | XXXXXX | XXXXXX |
| XXXXXX | 933684 | XXXXXX | Borrower DSCR Percent | 2.08 | 2.085 |
| XXXXXX | 933684 | XXXXXX | Cash Reserves | 159873.93 | 22300.40 |
| XXXXXX | 933684 | XXXXXX | Months Reserves | 166.00 | 23.25 |
| XXXXXX | 933684 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 933631 | XXXXXX | Borrower DSCR Percent | 1.27 | 1.3196 |
| XXXXXX | 933631 | XXXXXX | Cash Reserves | 128948.30 | 105070.21 |
| XXXXXX | 933631 | XXXXXX | Months Reserves | 100.00 | 81.56 |
| XXXXXX | 933575 | XXXXXX | Months Reserves | 12.00 | 12.06 |
| XXXXXX | 933575 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933651 | XXXXXX | Borrower DSCR Percent | 1.03 | 1.0354 |
| XXXXXX | 933651 | XXXXXX | Months Reserves | 103.00 | 103.27 |
| XXXXXX | 933651 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933611 | XXXXXX | Cash Reserves | 199693.79 | 199582.08 |
| XXXXXX | 933611 | XXXXXX | Debt to Income Ratio (Back) | 8.2400 | 12.1873 |
| XXXXXX | 933611 | XXXXXX | Months Reserves | 102.00 | 102.84 |
| XXXXXX | 933626 | XXXXXX | Borrower DSCR Percent | 1.36 | 1.3698 |
| XXXXXX | 933626 | XXXXXX | Cash Reserves | 200647.09 | 13725.14 |
| XXXXXX | 933626 | XXXXXX | Months Reserves | 152.00 | 10.45 |
| XXXXXX | 933626 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 933671 | XXXXXX | Borrower DSCR Percent | 1 | 1.0006 |
| XXXXXX | 933671 | XXXXXX | Cash Reserves | 115547.40 | 115567.40 |
| XXXXXX | 933671 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 933671 | XXXXXX | Months Reserves | 15.00 | 15.63 |
| XXXXXX | 933577 | XXXXXX | Cash Reserves | 235649.42 | 235263.89 |
| XXXXXX | 933577 | XXXXXX | Months Reserves | 42.00 | 42.27 |
| XXXXXX | 933577 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933540 | XXXXXX | Cash Reserves | 1431013.78 | 1148263.13 |
| XXXXXX | 933540 | XXXXXX | Months Reserves | 200.00 | 159.86 |
| XXXXXX | 933578 | XXXXXX | Months Reserves | 52.00 | 52.81 |
| XXXXXX | 933660 | XXXXXX | Borrower DSCR Percent | 1.01 | 1.016 |
| XXXXXX | 933660 | XXXXXX | Cash Reserves | 85235.11 | 82735.11 |
| XXXXXX | 933660 | XXXXXX | Months Reserves | 73.00 | 60.04 |
| XXXXXX | 933616 | XXXXXX | Borrower DSCR Percent | 1 | 1.0047 |
| XXXXXX | 933616 | XXXXXX | Cash Reserves | 127182.76 | 16238.46 |
| XXXXXX | 933616 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 933616 | XXXXXX | Months Reserves | 28.00 | 3.63 |
| XXXXXX | 933661 | XXXXXX | Borrower DSCR Percent | 1.01 | 1.0163 |
| XXXXXX | 933661 | XXXXXX | Cash Reserves | 125207.96 | 118407.93 |
| XXXXXX | 933661 | XXXXXX | Months Reserves | 45.00 | 40.11 |
| XXXXXX | 933581 | XXXXXX | Cash Reserves | 159722.10 | 112610.18 |
| XXXXXX | 933581 | XXXXXX | Months Reserves | 43.00 | 29.95 |
| XXXXXX | 933584 | XXXXXX | Cash Reserves | 505195.52 | 581412.61 |
| XXXXXX | 933584 | XXXXXX | Months Reserves | 130.00 | 147.03 |
| XXXXXX | 933635 | XXXXXX | Borrower DSCR Percent | 1.2 | 1.201 |
| XXXXXX | 933635 | XXXXXX | Cash Reserves | 27430.65 | 123740.20 |
| XXXXXX | 933635 | XXXXXX | Months Reserves | 12.00 | 55.04 |
| XXXXXX | 933635 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 933582 | XXXXXX | Cash Reserves | 59258.92 | 59287.20 |
| XXXXXX | 933582 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 933582 | XXXXXX | Months Reserves | 30.00 | 30.40 |
| XXXXXX | 933614 | XXXXXX | Cash Reserves | 233809.53 | 233657.15 |
| XXXXXX | 933614 | XXXXXX | Debt to Income Ratio (Back) | 39.6900 | 22.7230 |
| XXXXXX | 933614 | XXXXXX | Months Reserves | 105.00 | 105.19 |
| XXXXXX | 933614 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 933583 | XXXXXX | Cash Reserves | 11355.56 | 29174.66 |
| XXXXXX | 933583 | XXXXXX | Months Reserves | 2.00 | 6.61 |
| XXXXXX | 933599 | XXXXXX | Cash Reserves | 56517.39 | 56384.24 |
| XXXXXX | 933599 | XXXXXX | Months Reserves | 39.00 | 39.54 |

---

©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-NQM2 ABS-15G](home-abs15g_031723.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 152 newly originated residential mortgage loans, in connection with the securitization identified as HOMES 2023-NQM2 (the "Securitization"). The Review was conducted from July 2022 through August 2022 on mortgage loans originated between June 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 (152 loans in total):

Three (3) loans had a Secondary Appraisal, ten (10) loans had AVMs, and thirty-six (36) 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 one (1) occurrences of this.

Zero (0) loans had a Second Desk Review, and one (1) loan had a Full Appraisal Review all of which supported value.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the 152 mortgage loans reviewed, fifty-seven (57) unique mortgage loans (37.50% by loan count) had a total of sixty-three (63) tape discrepancies across seven (7) 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;51 | &nbsp;&nbsp;80.95% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;5 | &nbsp;&nbsp;7.94% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.17% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.17% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.59% |
| &nbsp;&nbsp;Number Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.59% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.59% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**63** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** |
| **Event Grade** | **Loan Count** | **Original Principal Balance** | **Percent of Sample** |
| Event Grade A | 78 | $37105578.00 | 51.32% |
| Event Grade B | 74 | $31411533.00 | 48.68% |
| Event Grade C | 0 | $0.00 | 0.00% |
| Event Grade D | 0 | $0.00 | 0.00% |
| **Total Sample** | 152 | $68517111.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| **Event Grade** | **Loan Count** | **Percent of Sample** |
| Event Grade A | 121 | 79.61% |
| Event Grade B | 31 | 20.39% |
| Event Grade C | 0 | 0.00% |
| Event Grade D | 0 | 0.00% |
| **Total Sample** | 152 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| **Event Grade** | **Loan Count** | **Percent of Sample** |
| Event Grade A | 102 | 67.11% |
| Event Grade B | 50 | 32.89% |
| Event Grade C | 0 | 0.00% |
| Event Grade D | 0 | 0.00% |
| **Total Sample** | 152 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| **Event Grade** | **Loan Count** | **Percent of Sample** |
| Event Grade A | 148 | 97.37% |
| Event Grade B | 4 | 2.63% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 152 | 100.00% |

---

**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").

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;78 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Housing history does not meet guidelines | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Liabilities Verification Indicator is Partial | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Coverage is Not Sufficient | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Income Verification does not match Approval | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset Documents are Incomplete | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Qualifying DTI exceeds Guideline Maximum Allowable | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Final Loan Application is Partial | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;All Interested Parties Not Checked against Exclusionary Lists | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &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;Liquid Reserves are less than Guidelines Required | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Title Policy is Partial | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower Income Verification is less than 12 months | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Prepayment Penalty Indicator is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Hazard Insurance Indicator is Partial | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Note Document Indicator is Partial | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;CoBorrower Employment Verification Level is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Payment shock exceeds lender guidelines | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Initial Loan Application is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Property is located in a FEMA disaster area | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Flood Insurance Policy is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower Liabilities Verification Indicator is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Final Loan Application is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;HAZARD INSURANCE CERTIFICATE MISSING | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***136*** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Underwriting LTV exceeds Guideline Maximum Allowable | &nbsp;&nbsp;7 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Underwriting CLTV exceeds Guideline Maximum Allowable | &nbsp;&nbsp;7 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Housing history does not meet guidelines | &nbsp;&nbsp;6 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Underwriting FICO does not meet Guideline Minimum Required | &nbsp;&nbsp;5 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower Employment Verification does not meet guidelines | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Unresolved derogatory credit | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower Income Verification does not match Approval | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower 2 is missing signed 4506t. | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;DSCR is less than guideline minimum | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Minimum Trade Line Requirement Not Met | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Payment shock exceeds lender guidelines | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Liquid Reserves are less than Guidelines Required | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Final Loan Application is Partial | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Overdraft/NSF Count Exceeds Tolerance | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;CoBorrower Employment Verification does not meet guidelines | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Residual income does not meet guidelines. | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower Liabilities Verification Indicator is Partial | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Signed 4506t is missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan amount is less than the minimum required loan amount | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***50*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;92 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID Monitor Timing of Disclosures Finding | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Consummation or Reimbursement Date Validation Test | &nbsp;&nbsp;2 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Reimbursement Amount Test | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Originator NMLS is Not Active | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Security Instrument Indicator is Partial | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Homeownership Counseling Disclosure is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;NJ HOSA 2004 High-Cost Home Loan Points and Fees Threshold Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Cal. Fin. Code § 4973(k) - Consumer Caution and Home Ownership Counseling Notice Disclosure was not provided | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;NJ HOSA 2004 High-Cost Home Loan Financing of Points and Fees Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***112*** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Higher-Priced Mortgage Loan | &nbsp;&nbsp;51 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Reimbursement Amount Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Monitor Timing of Disclosures Finding | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Consummation or Reimbursement Date Validation Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Interest Rate Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***58*** |
| &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;16 |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product not Provided | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal guideline violation | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Issues Present | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp;A | &nbsp;&nbsp;UCDP Summary Report is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp;A | &nbsp;&nbsp;Is Completion Certificate in file is No | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp;A | &nbsp;&nbsp;Origination Appraisal is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party AVM to appraised value exceeds 10% allowable variance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Valuation Grade (A) Exceptions:*** | &nbsp;&nbsp;***49*** |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal guideline violation | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp;B | &nbsp;&nbsp;Title Issues Present | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp;B | &nbsp;&nbsp;Origination Appraisal is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Valuation Grade (B) Exceptions:*** | &nbsp;&nbsp;***4*** |

---

**Event Grade Definitions**

---

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

---

---

| | |
|:---|:---|
| **Credit Event Grades** | **Credit Event Grades** |
| A | 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. |
| B | 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. |
| C | 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. |
| D | There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event 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. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.8

[HOMES 2023-NQM2 ABS-15G](home-abs15g_031723.htm)

**EXHIBIT 99.8**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 926539 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 |
| 926539 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | Credit | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. | Change status of 'Overdraft/NSF Count Exceeds Tolerance' from Active to Acknowledged by Client.;<br> Per CRSE - Income: Bank Statement: Account requirements not met. Actual Verified - 10; Exception Comments - In months 13-24 of the bank statements, the borrower's NSF(s) = 10; guideline is 6 per a 12 month period. Compensating factors : XXX% (Housing Ratio) or XXX% (total); Residual Income of $XXX; Borrower with same employer/business for 10 years. Acknowledged by client. | XX/XX/XXXX |  |  | Borrower has stable job time - Borrower has XXX years at job. C A |
| 926443 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. HPML Informational: Escrows and Appraisal requirements met.; 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more. | HPML Informational: Escrows and Appraisal requirements met.; | XX/XX/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 C A |
| 926443 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial. Please provide a breakdown of the REO properties and the calculations as it appears some are not matching with the available documentation. Additionally, there are multiple documents missing in order to complete the REO calculations. Lease agreement is missing for XXX,XXX,XXX,XXX,XXX,XXX |  |  | Borrower liabilities verified indicator is Present | XX/XX/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 C |
| 926443 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 XXX. | CDA Provided supporting origination value | XX/XX/XXXX | Third Party Valuation Product Provided. | XX/XX/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 C |
| 926443 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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.; Third Party Valuation Product Provided. | CDA Provided supporting origination value | XX/XX/XXXX | Third Party Valuation Product Provided. | XX/XX/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 C |
| 926440 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926440 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Credit | Housing history does not meet guidelines | Missing mortgage statements that show 12 mos. consecutive payments and on time for current primary residence. Missing XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX . File contains only the following: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Also provide the PITI used for DTI because XXX% is showing using the mortgage statement amount of $XXX vs. 1008 amount of $XXX. ; Housing history does not meet guidelines. | Received LOX with updated 1008 (showing $XXX payment.) LOX states - We have provided 12_ months of mortgage statements to show the on-time payment history for XXX since she is not a borrower on the loan and we do not have a credit report. Information reviewed - exception cleared. | XX/XX/XXXX | Housing delinquency meets guidelines. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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. ; Borrower Years On Job Exceeds XXX - Borrower Years On Job Exceeds XXX A |
| 926440 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Credit | All Interested Parties Not Checked against Exclusionary Lists | All Interested Parties Not Checked against Exclusionary Lists. Missing searches against lists for the appraiser and title company/closing agent, please provide. |  |  | Not required under XXX program guidelines | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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. ; Borrower Years On Job Exceeds XXX - Borrower Years On Job Exceeds XXX A |
| 926382 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 |
| 926382 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 has more than X years at current residence - Borrower at current residence XXX years A |
| 926370 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926370 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926296 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | Credit | Final Loan Application is Missing | Final loan application is Missing | Received copy of final 1003 dated XX/XX/XXXX. Exception cleared. | XX/XX/XXXX | Final loan application is Present | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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. D A |
| 926296 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines.; Missing updated mortgage history from XXX confirming XX/XX/XXXX and XX/XX/XXXX mortgage payments were paid 0x30 as required per guidelines. | Received screenshot showing mortgage payments for 12 consecutive amounts. Exception cleared. | XX/XX/XXXX | Housing delinquency meets guidelines. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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. D A |
| 926296 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | Compliance | Security Instrument Indicator is Partial | The Security Instrument is not executed by either Borrower nor Notary. | Copy of Mortgage signed by borrower and notary received. Exception cleared. | XX/XX/XXXX | The security instrument indicator is Present | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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. D A |
| 926473 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX 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 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.;; Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | HPML loan with established escrow and appraisal received | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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. ; Borrower Years On Job Exceeds XXX - Borrower Years On Job Exceeds XXX A |
| 926473 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | Credit | Borrower Liabilities Verification Indicator is Partial | Change severity of 'Borrower Liabilities Verification Indicator is Partial' from Material to Non-Material.; Change status of 'Borrower Liabilities Verification Indicator is Partial' from Active to Acknowledged by Client.<br> Per CRSE - Exception Type : Credit-Payment History (Consumer Debt). Guideline - 1x60 on consumer; Actual - Max 30 day delinquencies. Rationale - The borrower was 1x60 on a minor revolving credit card in XX/XX/XXXX. Compensating Factors : XXX% (Housing Ratio) or XXX% (Total); Borrower with same Employer/Business for 25 years; Verified Reserves are 92. Acknowledged by client. ; Borrower liabilities verified indicator is Partial. On page 725 there are exceptions listed for delinquency and FICO. |  |  |  |  | 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 $XXX are greater than the Guideline Minimum of XXX or $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. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926473 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | Change severity of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Material to Non-Material.; Change status of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.<br> Per CRSE - Exception Type-Other; Guidelines - Requested FICO is below the minimum of XXX for the Bank Statement program - XXX; Actual - Credit Score: XXX. Rationale - Credit is ok at XXX due to file locked and underwritten prior to XXX requirement. Compensating Factors : XXX% (Housing Ratio) or XXX% (Total); Borrower with same Employer/Business for 25 years; Verified reserves are 92/ Acknowledged by Client; Underwriting LTV of XXX is greater than the maximum allowable guideline LTV of XXX based on a loan amount of XXX and value used for LTV of XXX.; LTV max 75% per guidelines used XXX XX/XX/XXXX. Though on page 705 it looks like there might have been an exception made for XXX%. |  |  |  |  | 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 $XXX are greater than the Guideline Minimum of XXX or $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. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926473 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | Credit | Underwriting CLTV exceeds Guideline Maximum Allowable | Change status of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.<br> Per CRSE - Exception Type-Other; Guidelines - Requested FICO is below the minimum of XXX for the Bank Statement program - XXX; Actual - Credit Score: XXX. Rationale - Credit is ok at XXX due to file locked and underwritten prior to XXX requirement. Compensating Factors : XXX% (Housing Ratio) or XXX% (Total); Borrower with same Employer/Business for 25 years; Verified reserves are 92/ Acknowledged by Client; Change severity of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Material to Non-Material.; Underwriting CLTV of XXX is greater than the maximum allowable guideline CLTV of XXX. |  |  |  |  | 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 $XXX are greater than the Guideline Minimum of XXX or $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. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926473 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Credit | Payment shock exceeds lender guidelines | Payment shock XXX% and XXX% max per guidelines used XXX XX/XX/XXXX | Received LOX - Current residence is owned free and clear. Payment shock is not applicable on properties owned free and clear. Exception cleared. | XX/XX/XXXX | Payment shock of XXX does not exceed the lender guidelines tolerance for payment shock. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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. ; Borrower Years On Job Exceeds XXX - Borrower Years On Job Exceeds XXX A |
| 926550 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 has more than X years at current residence - Borrower at current residence XXX years A |
| 926550 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 A |
| 926550 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX. Exception cleared. | CDA Provided supporting origination value | XX/XX/XXXX | 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. | XX/XX/XXXX | 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 A |
| 926532 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Credit | All Interested Parties Not Checked against Exclusionary Lists | The appraiser, appraisal company, title company, seller's agent (XXX) and seller (XXX) were not checked on the exclusionary lists. | Not required under XXX program guidelines | XX/XX/XXXX |  | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926532 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Credit | OFAC Check was not completed/Cleared. | OFAC Check was not completed/cleared. |  |  | OFAC Check was completed and cleared. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX - Borrower Years On Job Exceeds XXX A |
| 926532 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Credit | Initial Loan Application is Missing | Missing Copy of Initial Loan Application | Copy of Initial Loan Application dated XX/XX/XXXX received. Exception cleared. | XX/XX/XXXX | Received copy of initial loan application | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX - Borrower Years On Job Exceeds XXX A |
| 926532 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. Bank statements for XX/XX/XXXX are missing from the loan file. | Copies of Bank Statements for acct# XXX dated XX/XX/XXXX through XX/XX/XXXX received. Verified input - exception cleared. | XX/XX/XXXX | The borrower income verification does match approval | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX - Borrower Years On Job Exceeds XXX A |
| 926592 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX 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. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926592 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926302 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | Underwriting LTV of XXX is greater than the maximum allowable guideline LTV of XXX based on a loan amount of XXX and value used for LTV of ___.; Underwriting LTV of XXX is greater than the maximum allowable guideline LTV of XXX based on a loan amount of XXX and value used for LTV of XXX. | Change status of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.;<br> Client provided a guideline exception allowing for cash out over $XXXX with LTV of XXX% based on FICO XXX, ratios XXX%, employment XXX, reserves XXX months. | XX/XX/XXXX |  |  | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926302 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926302 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | Credit | Underwriting CLTV exceeds Guideline Maximum Allowable | Underwriting CLTV of XXX is greater than the maximum allowable guideline CLTV of XXX.; Underwriting CLTV of XXX is greater than the maximum allowable guideline CLTV of XXX. | Change status of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.;<br> Client provided a guideline exception allowing for cash out over 400k with CLTV of XXX% based on FICO XXX, ratios XXX%, employment XXX, reserves XXX months. | XX/XX/XXXX |  |  | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926549 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926549 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926353 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. |  |  | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days. | XX/XX/XXXX | 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 more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX - Borrower Years On Job Exceeds XXX A |
| 926353 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 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. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926619 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926619 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | Credit | No Credit Findings | The exception 'No Credit Findings' is cleared.; 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 XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926516 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Acknowledged | Credit | Unresolved derogatory credit | Borrower has unresolved derogatory credit. The borrower has consumer late payments in the last 20 months. Guidelines require no consumer lates in the last 24 months. | Change status of 'Unresolved derogatory credit' from Active to Acknowledged by Client.;<br> Client provided a guideline exception allowing for consumer late payments within the last 24 months based on low LTV, borrower having history with REO and rentals, and ample reserves. | XX/XX/XXXX |  |  | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 926516 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 926516 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | Property | Title Issues Present | The following issues were noted: The title commitment in file (pg. 43) shows 4 mortgages recorded on the subject (#XXX). Only one was paid on the CD and there is no documentation in file to show the other 3 liens on title were paid off and released | XX/XX/XXXX: Received Title Insurance policy showing only the new mortgage. Exception cleared. | XX/XX/XXXX | XX/XX/XXXX: Received Title Insurance policy showing only the new mortgage. Exception cleared. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 926274 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML with established escrows and appraisal requirements met. | XX/XX/XXXX |  |  | 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 |
| 926274 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Active | Compliance | Interest Rate Test | This loan failed the interest rate test.<br> The loan has an interest rate that does not conform to the requirements for the lender's license type in the state where the property is located. |  |  |  |  | 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 |
| 926552 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Acknowledged | Property | Title Issues Present | The following issues were noted: XXX; per lender notes page 1124- approved exception: XXX within GLs- actual XXX. | Change status of 'Title Issues Present' from Active to Acknowledged by Client.;<br> Client Exception approval for third person on LLC present based on LTV of XXX percent. | XX/XX/XXXX |  |  | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926552 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926442 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML loan with established escrow and appraisal received. Downgraded to a B | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more. | XX/XX/XXXX | 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 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 |
| 926442 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Property | Origination Appraisal is Partial | According to PITI calculation - HOA payment is collected. Appraisal does not include this information. Provide updated appraisal including HOA or documentation showing HOA is not included. <br> ; Origination Appraisal is Partial. | Received LOX - the Charge was for the XXX tax which is listed on the appraisal as a special assessment. It is actually included in taxes so shouldn't have been added. Updated HOA Info - confirmed within taxes. Exception cleared. | XX/XX/XXXX | Origination appraisal is Present. | XX/XX/XXXX | 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 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 |
| 926442 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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. |  |  | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | XX/XX/XXXX | 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 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 |
| 926442 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 $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).; Zero tolerance fee of $XXX due to increase in:<br> Appraisal Fee of $XXX<br> Credit Report Fee of $XXX<br> No COC found in the file to explain increase in fee.<br>Please provide a valid COC or Post Close CD - copy of refund check and letter of explanation to the borrower with proof of delivery. |  |  | 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). | XX/XX/XXXX | 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 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 |
| 926442 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 $XXX, 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. |  |  | 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 $XXX, is 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. | XX/XX/XXXX | 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 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 |
| 926631 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML exception downgraded to B. Borrower was provided copy of Appraisal, received Right to Appraisal doc and IEAD set up.; | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926631 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Credit | Borrower Employment Verification does not meet guidelines | borrower lives in subject property and rents out 2nd unit. lease agreement expired in XXX and cannot validate new rental income | Received LOX - The Appraisal noted that the other unit is rented. Reviewed appraisal - confirmed. Exception cleared. | XX/XX/XXXX | Received LOX - The Appraisal noted that the other unit is rented. Reviewed appraisal - confirmed. Exception cleared. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926631 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 | XX/XX/XXXX | 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> Per Lender Guidelines, not applicable. Cash out is less than $XXX. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926608 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926608 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926568 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A |
| 926568 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | D A |
| 926568 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 | XX/XX/XXXX | Third Party Valuation Product Provided. | XX/XX/XXXX | D A |
| 926609 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926609 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926543 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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> Lender provided a guideline exception allowing for credit score of XXX ok for XXX point difference to XXX score and DSCR under XXX. Verified reserves are XXX months, Qualifying LTV is XXX.; 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 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 926543 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Acknowledged | Credit | DSCR is less than guideline minimum | Change status of 'DSCR is less than guideline minimum' from Active to Acknowledged by Client.<br> Client provided a guideline exception allowing for DSCR < XXX Maximum LTV: XXX% minimum credit score XXX. Verified reserves are XXX last 24 months, Qualifying LTV is XXX.; Change severity of 'DSCR is less than guideline minimum' from Material to Non-Material.; DSCR matches the Credit Risk Summary of XXX exception; Qualifying DSCR of XXX is less than guideline minimum requirement 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 926543 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 926543 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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. CU score is XXX Exception cleared. | XX/XX/XXXX | Third Party Valuation Product not required due to CU Score | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 926326 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML loan with established escrow and appraisal received. Downgraded to a B; | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926326 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | Credit | Minimum Trade Line Requirement Not Met | Per lender guidelines the borrower must have a minimum of 3 tradelines that have been for at least 12 months. There is 1 tradeline that is a primary resident mortgage reporting 73 months. All other credit is installments that is paid and closed. ; Borrower(s) have not met the minimum tradeline requirement per lender guidelines. | Received updated CRSE acknowledging the exception. | XX/XX/XXXX | 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 CRSE - Exception Type: Credit-Minimum Trade Lines. Guideline - 2x24 mos. credit history; Actual - 1x24 mos. open/active on credit. Rationale - Exception for minimum trades - over 24 mos. housing history reporting on credit. Compensating Factors : Qualifying Credit Score is XXX; XXX% (Housing)// XXX% (Total); Reserves of XXX Months; Residual Income of $XXX Acknowledged by client. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926595 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926386 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML loan with establish escrow & appraisal received. Downgrade to B | XX/XX/XXXX |  |  | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926386 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926524 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A C |
| 926524 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | Credit | Prepayment Penalty Indicator is Missing | Prepayment Penalty Indicator is Missing. Per Note and Final CD - Prepayment Addendum should be attached. | Copy of prepayment addendum for note and mortgage provided. Updating loan accordingly. | XX/XX/XXXX | Prepayment Penalty Indicator is received. | XX/XX/XXXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A C |
| 926565 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Acknowledged | Credit | Housing history does not meet guidelines | Client exception approval for Credit - payment history (housing) XXX for XXX REO. Compensation factors: Reserves are XXXX, Credit history XXX months and XXX FICO; Housing history does not meet guidelines. Client exception approval for Credit - payment history (housing) XXX for XXX. Compensation factors: Reserves are XXX, Credit history XXX months and XXX FICO |  |  |  |  | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926565 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926565 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | Would need replacement cost est; 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 from insurance company was not provided. | Received copy of Master Policy. Updating loan accordingly. | XX/XX/XXXX | Hazard insurance coverage is sufficient. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926437 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML Loan with established escrow and Appraisal received. Downgraded to a B. | XX/XX/XXXX |  |  | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926437 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | Qualifying DTI of XXX exceeds guideline maximum of XXX. Lender calculation on 1003 and 1008 does not match calculation provided in file on Quick calculation. Income per bank statement does not match what lender calculated (higher than uw calculation) provide calculations showing the higher income. | Received copy of CPA letter showing both companies have an expense ratio of XXX%. Documentation to support his information is included. Updating income calculations accordingly. DTI is higher because Income Calc for XXX is significantly lower than stated. Within guidelines. | XX/XX/XXXX | Documentation provided to support Qualifying DTI below XXX. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926437 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval-Please provide final 1003 and 1008 with income calculations to match approval and quick calculations of lender. | Received copy of CPA letter showing both companies have an expense ratio of 15%. Documentation to support his information is included. Updating income calculations accordingly. DTI is higher because Income Calc for XXX is significantly lower than stated. Within guidelines. | XX/XX/XXXX | The borrower income verification does match approval | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926444 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926444 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926589 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML loan with establish escrow & appraisal received. downgrade; Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XX/XX/XXXX |  |  | 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 more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926589 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 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. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926589 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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.; | Third Party Valuation Product not required due to CU Score | XX/XX/XXXX |  | XX/XX/XXXX | 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 more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926387 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 926387 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Acknowledged | Property | Origination Appraisal is Partial | Origination Appraisal is Partial.; Exception was approved for ineligible property. The subject property is located in a rural location that is not eligible per lender guidelines. | Change status of 'Origination Appraisal is Partial' from Active to Acknowledged by Client.;<br> Per CRSE - Exception Type: Property-Ineligible Property Type. Guidelines - No Rural; Actual - Property is located in Rural location. Rationale - Borrower has overall good mortgage history. Compensating Factors : Verified Reserves are 42; 0x30-last 24 months. Acknowledged by client. | XX/XX/XXXX |  |  | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 926527 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926527 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926467 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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. C A |
| 926467 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Credit | All Interested Parties Not Checked against Exclusionary Lists | All Interested Parties Not Checked against Exclusionary Lists. Missing search against lists for appraiser and title company/closing agent on the report, please provide search results. | Not required under XXX program guidelines | XX/XX/XXXX |  | XX/XX/XXXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $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. C A |
| 926644 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML loan with established escrows and appraisal requirements met. Downgraded to a B. | XX/XX/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 C A |
| 926644 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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. D A C |
| 926644 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | 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. ; Third Party Valuation Product Not Provided and CU Score is XXX. | CDA Provided supporting origination value | XX/XX/XXXX | Third Party Valuation Product Provided. | XX/XX/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 C |
| 926644 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | 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. ; Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. | CDA Provided supporting origination value | XX/XX/XXXX | Third Party Valuation Product Provided. | XX/XX/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 C |
| 926644 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Property | Third Party Valuation Product not 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. ; Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. | CDA Provided supporting origination value | XX/XX/XXXX | Third Party Valuation Product Provided | XX/XX/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 C |
| 926644 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML loan with established escrows and appraisal requirements met. Downgraded to a B. | XX/XX/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 C A |
| 926644 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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. D A C |
| 926644 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 XXX. | CDA Provided supporting origination value | XX/XX/XXXX | Third Party Valuation Product Provided. | XX/XX/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 C |
| 926644 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 | XX/XX/XXXX | Third Party Valuation Product Provided. | XX/XX/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 C |
| 926644 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 | XX/XX/XXXX | Third Party Valuation Product Provided | XX/XX/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 C |
| 926531 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Acknowledged | Credit | Housing history does not meet guidelines | 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 borrower currently renting primary and guideline, borrower must own a primary. Verified reserves are 74 months, Qualifying LTV is XXX | XX/XX/XXXX |  |  | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 926531 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 926649 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML Compliant - Escrow and appraisal requirement met; Downgraded to B | XX/XX/XXXX |  |  | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 926649 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 926390 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 926390 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 926390 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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. | XX/XX/XXXX | Third Party Valuation Product Provided | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 926526 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926526 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of $XXXX is not sufficient. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided. | Received copy of Replacement Cost Estimator. Updating loan accordingly. | XX/XX/XXXX | Hazard insurance coverage is sufficient. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926459 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 |
| 926459 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML loan with established escrows and appraisal requirements. Downgraded to a B. | XX/XX/XXXX |  |  | 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 |
| 926624 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | ; HPML loan with established escrows and appraisal requirements met. Downgraded to a B. | XX/XX/XXXX |  |  | 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 more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926624 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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. Proceeds from prior home sale were already applied. Please provide new approval and/or exception approval. | Received CRSE acknowledging exception. | XX/XX/XXXX | Change severity of 'Liquid Reserves are less than Guidelines Required' from Material to Non-Material. | XX/XX/XXXX | 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 more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX - Borrower Years On Job Exceeds XXX A |
| 926314 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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. ; 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. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926314 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | Credit | Minimum Trade Line Requirement Not Met | Borrower(s) have not met the minimum tradeline requirement per lender guidelines. Only 1 trade line (current mortgage) is outlined on the credit report. Per guidelines, 3 trade lines reporting for >12 months or 2 trade lines reporting for >24 months. | Received CRSE - Acknowledging exception. | XX/XX/XXXX | 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 CRSE - Credit: Tradeline requirements not met. Actual - only (1) trade reporting. Comments - Borrower has not met the minimum tradeline requirement per lender guidelines. Only 1 trade line (current mortgage) is outlined on the credit report. Compensating Factors : Qualifying Credit Score is XX; 0x30-last 24 months; XXX% (Housing Ratio) or XXX% (Total); Qualifying LTV is XXX; Verified Reserves are 12; Borrower with same Employer/Business for 14 years. Acknowledged by client. | XX/XX/XXXX | 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 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. ; Borrower Years On Job Exceeds XXX - Borrower Years On Job Exceeds XXX A |
| 926392 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926392 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cured Post Close | Compliance | Consummation or Reimbursement Date Validation Test | This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. | Received PCCD documents including a refund check ($XXX). Updating loan accordingly. | XX/XX/XXXX | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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. ; Borrower Years On Job Exceeds XXX - Borrower Years On Job Exceeds XXX A |
| 926392 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 $325 due to increase in appraisal fee. Please provided COC, post CD , evidence of refund to borrower. | Received PCCD documents including a refund check ($XXX). Updating loan accordingly. | XX/XX/XXXX | 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).; The XXX% tolerance fail is due to the Appraisal fee increasing on the revised CD issued XX/XX/XXXX, however, there's no valid coc in the loan file for the increase. There's an invoice issued XX/XX/XXXX reflecting the Appraisal amount of $XX/XX/XXXX. Therefore, a cost to cure is required in the amount of $XXX. Please provide PCCD, LOE, proof of refund and proof of receipt to clear the exception. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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. ; Borrower Years On Job Exceeds XXX - Borrower Years On Job Exceeds XXX A |
| 926392 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 $XXX, 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. | XX/XX/XXXX | 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 $XXX, is 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. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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. ; Borrower Years On Job Exceeds XXX - Borrower Years On Job Exceeds XXX A |
| 926432 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Acknowledged | Credit | Liquid Reserves are less than Guidelines Required | Change severity of 'Liquid Reserves are less than Guidelines Required' from Material to Non-Material.; The liquid reserves of XXX months or $XXX, are less than the Guidelines minimum required of XXX or $XXX.; Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Acknowledged by Client.<br> Exception granted to proceed with XXX less reserves than guideline requirement. Comp factors: Qualifying credit score of XXX, DTI housing XXX Total, Borr with employer for XXX, housing pmt decreased by XXX, Residual income $XXX. |  |  |  |  | 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. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926432 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926432 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | Credit | Flood Insurance Policy is Missing | The flood insurance policy is Missing | Received copy of Flood Application. Final CD shows Flood Policy paid at closing for 12 full months. Updating loan accordingly. | XX/XX/XXXX | The flood insurance policy is Present | XX/XX/XXXX | 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. ; Borrower Years On Job Exceeds XXX - Borrower Years On Job Exceeds XXX A |
| 926616 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 stable job time - Borrower has XXX years at job. A |
| 926616 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 stable job time - Borrower has XXX years at job. A |
| 926548 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926548 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926586 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926586 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926633 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 926633 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML loan with established escrow and appraisal received. Downgraded to a B | XX/XX/XXXX |  |  | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 926547 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | Credit | Borrower Income Verification is less than 12 months | Borrower Income Verification is less than 12 months |  |  | DSCR loan, not applicable. Exception cleared. | XX/XX/XXXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A C |
| 926547 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A C |
| 926547 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | Property | UCDP Summary Report is Missing | The SSR indicator is Missing | UCDP documents uploaded. Updating loan accordingly. | XX/XX/XXXX | The SSR indicator is Not Applicable | XX/XX/XXXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A C |
| 926563 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926563 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926258 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926258 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926629 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926629 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial.<br> 1) XXX - property listed on final URLA page 60. No PITIA docs in file. Lender used $XXX PITIA. Please provide all property docs. <br> 2) XXX - file is missing HOA cert. | Received documentation for XXX. Reviewed/confirmed calculations. Exception cleared. | XX/XX/XXXX | Borrower liabilities verified indicator is Present | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX - Borrower Years On Job Exceeds XXX A |
| 926441 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML Loan with established escrow and appraisal received | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more. | XX/XX/XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926441 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926441 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cured Post Close | Compliance | Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test | This loan failed the revised closing disclosure delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , 12 CFR §1026.19(e)(4)(i))The revised closing disclosure delivery date is either: Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; or Before the creditor receives information sufficient to establish that a changed circumstance has occurred. This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either: Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; or No later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms. Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)).; This compliance test 'Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test' is no longer tested | Received PCCD documents including a refund check ($XXX). Updating loan accordingly. | XX/XX/XXXX | Change status of 'Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test' from Cleared to Revoked.;<br> Updated Finding; This compliance test 'Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test' is no longer tested | XX/XX/XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926441 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cured Post Close | Compliance | TRID Monitor Timing of Disclosures Finding | TRID Monitor Timing of Disclosures Finding. This loan contains at least one disclosure that fails one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report. While creditors are required to issue disclosures in good faith, the fact that a disclosure was not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation.; TRID Monitor Timing of Disclosures Finding. This loan contains disclosures that do not fail one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report. While creditors are required to issue disclosures in good faith, the fact that a disclosure was not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. | Received PCCD documents including a refund check ($XXX). Updating loan accordingly. | XX/XX/XXXX | Change status of 'TRID Monitor Timing of Disclosures Finding' from Cleared to Revoked.;<br> Updated Finding; 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. | XX/XX/XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926441 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cured Post Close | Compliance | Charges That Cannot Increase Test | Final CD lender credit $XXX, applied $XXX to Transfer Tax which increased from $XXX to $XXX, applied $XXX to Mortgage Recording increased from $XXX to $XXX, Discount Points increased from $XXX to $XXX difference $XXX, Lender Credit was not sufficient and file did not included proof a refund was issued. <br>Please provided COCs for increase in fees on final CD; 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 $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Received PCCD documents including a refund check ($XXX). Updating loan accordingly. | XX/XX/XXXX | 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). | XX/XX/XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926572 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926572 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926558 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 926558 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 926558 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX. Exception cleared | CDA Provided supporting origination value | XX/XX/XXXX | Third Party Valuation Product Provided. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 926394 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926394 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926336 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML loan with established escrow and appraisal received | XX/XX/XXXX |  |  | 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 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 |
| 926336 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial- Missing credit supp showing current primary with XXX paid in full; DTI does not reflect current primary PITIA with XXX IAO $XXX. Lender to provide updated credit supp showing XXX mortgage paid. Also, excluded liabilities and missing proof paid in full for :XXX,XXX,XXX,XXX,XXX,XXX,XXX | Per final CD, these account were being paid at closing. Supporting documentation for these accounts is not required. Exception cleared. | XX/XX/XXXX | Borrower liabilities verified indicator is Present | XX/XX/XXXX | 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 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 |
| 926336 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete: Missing proof of sale proceeds from XXX into account IAO $XXX; missing proof builder's deposits and cleared funds from XXX account # XXX for the three (3) builders deposits made: pgs XXX,XXX,XXX. | Received Final CD on XXX property and documentation showing cleared funds on other accounts. Exception cleared. | XX/XX/XXXX | The exception 'Asset Documents are Incomplete' is cleared. | XX/XX/XXXX | 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 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 |
| 926560 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HMPL Loan with establish escrow and appraisal received. Downgraded to a B. | XX/XX/XXXX |  |  | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926560 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. The lenders 1008 has a figure that is equal to the most recent 12 months of bank statements. Please produce a 1008 that matches the underwriting approval figure for 24 months. | Received updated 1008 showing XXX Statement Calculation. DTI matches - Exception cleared. | XX/XX/XXXX | The borrower income verification does match approval | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX - Borrower Years On Job Exceeds XXX A |
| 926566 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV 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. D A |
| 926566 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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.; TPV not provided. Loan amt greater than XXX; R&W not eligible and CU XXX | Third Party Valuation Product not required due to CU Score | XX/XX/XXXX | Third Party Valuation Product not required due to CU Score | XX/XX/XXXX | 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 ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 926520 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | Credit | Underwriting FICO does not meet Guideline Minimum Required | Client provided a guideline exception allowing for requested fico of XXX is below the minimum for the Platinum program. DTI XXX(Housing Ratio) or XXX% (Total). Borrower with same Employer/Business for 32 years. Verified Reserves are 14 months. Credit History 0x30 last 24 months.; 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. |  |  |  |  | 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 C A |
| 926520 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | Client provided a guideline exception allowing for LTV of XXX%. DTI XXX% (Housing Ratio) or XXX (Total). Borrower with same Employer/Business for 32 years. Verified reserves are 14 months. Credit History 0x30-24 months. |  |  |  |  | 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 C A |
| 926520 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | 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 |
| 926520 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 from insurance company was not provided. | Replacement Cost Estimate provided. | XX/XX/XXXX | Exception resolved. | XX/XX/XXXX | 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 C A |
| 926520 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | Credit | Underwriting CLTV exceeds Guideline Maximum Allowable | Change severity of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Non-Material to Material.; Change status of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.<br> Client provided a guideline exception allowing for LTV XXX%. DTI XXX% (Housing Ratio) or XXX (Total). Borrower with same Employer/Business for XXX years. Verified reserves are XXX months. Credit History XXX.; Underwriting CLTV of XXX is greater than the maximum allowable guideline CLTV of XXX. |  |  | Change severity of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Material to Non-Material. | XX/XX/XXXX | 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 C A |
| 926520 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | Credit | Signed 4506t is missing | Missing 4506T for Borrower, as required per guidelines. | Received CRSE - acknowledging exception | XX/XX/XXXX | Change severity of 'Signed 4506t is missing' from Material to Non-Material.; Change status of 'Signed 4506t is missing' from Active to Acknowledged by Client.;<br> Received CRSE - Income: Documentation missing. No 4506C. Comments - Full doc loan with Tax Transcripts via ROA. Compensating Factors : 0x30-last 24 months; XXX% (Housing Ratio) or XXX% (Total); Verified Reserves are 14; Borrower with same Employer/Business for 32 years. Acknowledged by client. | XX/XX/XXXX | 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 C A |
| 926520 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | Credit | Borrower 2 is missing signed 4506t. | Missing Co-Borrower 4506T as required per guidelines. | Received CRSE - acknowledging exception | XX/XX/XXXX | Change severity of 'Borrower 2 is missing signed 4506t.' from Material to Non-Material.; Change status of 'Borrower 2 is missing signed 4506t.' from Active to Acknowledged by Client.;<br> Received CRSE - Income: Documentation missing. No 4506C. Comments - Full doc loan with Tax Transcripts via ROA. Compensating Factors : 0x30-last 24 months; XXX% (Housing Ratio) or XXX% (Total); Verified Reserves are 14; Borrower with same Employer/Business for 32 years. Acknowledged by client. | XX/XX/XXXX | 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 C A |
| 926520 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Credit | CoBorrower Employment Verification Level is Missing | Missing Verbal VOE for Co-borrower required 10 days prior to closing. | Received copy of VOE dated XX/XX/XXXX showing co-bwr was fully employed. Exception cleared. | XX/XX/XXXX | The coborrower employment verification is Level 3 - Verified-direct independent verify w/3rd party | XX/XX/XXXX | 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 C A |
| 926520 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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. R&W shows Not Eligible. Loan amount >$500K. Please provide. | Received Desk Review. Updating loan accordingly. | XX/XX/XXXX | Third Party Valuation Product Provided. | XX/XX/XXXX | 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 |
| 926634 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926634 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926507 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 926507 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 926635 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML loan with establish escrow & appraisal received. Downgrade to B | XX/XX/XXXX | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; | XX/XX/XXXX | 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 |
| 926635 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Property | Appraisal guideline violation | Appraisal guideline violation: Appraisal transfer letter not found in file as required by section 2.1 of the XXX Program Underwriting Guidelines | Received copy of Appraisal Transfer Letter dated XX/XX/XXXX. Exception cleared. | XX/XX/XXXX | Appraisal guideline violation is now acceptable. | XX/XX/XXXX | 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 |
| 926635 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard coverage is sufficient. The replacement cost per the appraisal (pg. 346 of the file) is $XXX. The exception is cleared.; 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 from insurance company was not provided. | Hazard coverage is sufficient. The replacement cost per the appraisal (pg. 346 of the file) is $XXX. The exception is cleared. | XX/XX/XXXX | Hazard insurance coverage is sufficient. | XX/XX/XXXX | 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 |
| 926396 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926396 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial. PITI document support for XXX property expenses not provided. Property listed on 1003 and payment amount used in ratios but proof of actual PITI required. May affect DTI. | Received copy of First Payment Letter and copy of Appraisal showing HOA payment. Updated calculation - exception cleared. | XX/XX/XXXX | Borrower liabilities verified indicator is Present | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926396 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Acknowledged | Credit | Final Loan Application is Partial | Need complete two year residency/housing history for both borrowers. Final 1003 (pg. 73 + 80) only reflects seven months at Primary Residence, no former addresses listed. ; Final Loan Application is Partial | Received updated CRSE showing exception approval. | XX/XX/XXXX | Change severity of 'Final Loan Application is Partial' from Material to Non-Material.; Change status of 'Final Loan Application is Partial' from Active to Acknowledged by Client.;<br> Received updated CRSE - Exception Type:Credit-Payment History (Housing). Guidelines - Missing two-year residency/housing history for both borrower. Actual - Final 1003 is missing previous address/history. Rationale - low ratios/reserves. Compensating Factors : Qualifying Credit Score is XXX; XXX% (Housing)//XXX%(total); Payment decreasing by XXX; Reserves of XXX months; Residual Income of $XXX. Acknowledged by client. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926345 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 |
| 926345 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 |
| 926345 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 XXX. | CDA Provided supporting origination value | XX/XX/XXXX | Third Party Valuation Product Provided. | XX/XX/XXXX | 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 |
| 926345 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 | XX/XX/XXXX | Third Party Valuation Product Provided. | XX/XX/XXXX | 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 |
| 926345 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 | XX/XX/XXXX | Third Party Valuation Product Provided | XX/XX/XXXX | 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 |
| 926397 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926397 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926463 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | Loan is HPML. Escrow/ appraisal requirements met.; | XX/XX/XXXX | Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more. | XX/XX/XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926463 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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> Lender approved an exception, stating that the bank statement program requirement for a XX FICO score went into effect after the loan was locked. Lender was citing the XX/XX/XXXX matrix on the XXX. G/L available to reviewer permitted the borrower's XXX; 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 XXX. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926463 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Credit | Borrower Income Verification does not match Approval | Income stated on initial 1003 is $XXX/mo. from XXX. The final 1003 has a second business, XXX that also generates $XXX/mo. The income from the second business is completely unsupported. The state registration for the business is not found in the file, the CPA letter makes no mention of the business, and no checking account statements for the business have been presented.; The borrower income verification does not match approval | Received LOX with copy of updated 1008. "This was an input error. Borrower does own the second business - XXXX but it was never going to be used for income. I removed the income and updated the 1008. Ratios are still within guidelines." Verified input amounts - Exception cleared. | XX/XX/XXXX | The borrower income verification does match approval | XX/XX/XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926506 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Acknowledged | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | Change status of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.<br> Client provided a guideline exception allowing for XXX% LTV based on loan being approved prior to new program change QQ approval date issued XX/XX/XXXX. ; Change severity of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Material to Non-Material.; There is an exception to the XXX% LTV to XXX% on page 501 on Credit Risk Summary under Exception Logging.; Underwriting LTV of XXX is greater than the maximum allowable guideline LTV of XXX based on a loan amount of XXX and value used for 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 XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926506 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Acknowledged | Credit | Underwriting CLTV exceeds Guideline Maximum Allowable | Change severity of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Material to Non-Material.; Change status of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.<br> Client provided a guideline exception allowing for XXX% LTV based on loan being approved prior to new program change QQ approval date issued XX/XX/XXXX. ; Underwriting CLTV of XXX is greater than the maximum allowable 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926506 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926251 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926251 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926466 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926466 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926585 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926585 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926425 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 A |
| 926425 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Compliance | Originator NMLS is Not Active | The originator NMLS status is Not Active - NMLS # XXX XXX, XXX- no XXX license listed and subject property in XXX | Received LOX - Subj Prop is not located in XXX its located in XXX. NMLS Information attached - Exception cleared. | XX/XX/XXXX | The originator NMLS status is Active | XX/XX/XXXX | 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 A |
| 753039 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 stable job time - Borrower has XXX years at job. A |
| 753039 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 |
| 926358 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Acknowledged | Credit | DSCR is less than guideline minimum | Client provided a guideline exception allowing for DSCR ratio less than XXX based on qualifying credit score of XXX and reserves of XXX months. ; Change severity of 'DSCR is less than guideline minimum' from Material to Non-Material.; Qualifying DSCR of XXX is less than guideline minimum requirement 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. D A |
| 926358 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 926358 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 XX.; | CDA Provided supporting origination value | XX/XX/XXXX | Third Party Valuation Product Provided. | XX/XX/XXXX | 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. D A |
| 926358 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 | XX/XX/XXXX | Third Party Valuation Product Provided. | XX/XX/XXXX | 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. D A |
| 926650 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations.<br> ; The exception 'No Compliance Findings' is cleared. |  |  |  |  | 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 $XXX are greater than the Guideline Minimum of XXX or $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. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 926650 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial. The file is missing evidence of total housing expenses for all other REO listed on the final loan application. Additional conditions may apply. | Received LOX and supporting documentation with breakdown of each property and its calculation. UW had already included the above in the vom screens - updated 1008 reflects only nominal changes. Reviewed documentation - exception cleared. | XX/XX/XXXX | Borrower liabilities verified indicator is Present | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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. ; Borrower Years On Job Exceeds XXX - Borrower Years On Job Exceeds XXX D A |
| 926403 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Credit | Liquid Reserves are less than Guidelines Required | Lender qualified the reserve using the XXX business Bank Statement. The XXX (Most recent) Bank Statement does not leave enough assets for 6 months of reserves per guidelines. Please show sufficient reserves.; The liquid reserves of XXX months or $XXX, are less than the Guidelines minimum required of XXX or $XXX. | Received LOX. Bank Statement for Acct XXX in XX/XX/XXXX should suffice for Reserve requirements. Bank Statement is not expired and should be used. Exception cleared. | XX/XX/XXXX | The liquid reserves of XXX months or $XXX, is greater than or equal to the Guidelines minimum required of XXX or $XXX. | XX/XX/XXXX | 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 |
| 926310 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | Underwriting LTV of XXX is greater than the maximum allowable guideline LTV of XXX based on a loan amount of XXX and value used for LTV of XXX. | Change status of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.;<br> Client provided a guideline exception allowing for XXX% LTV which is greater than the guideline of XXX% based on qualifying credit score of XXX; borrower having been the same business for 22 years and 0x30 in the last 24 months | XX/XX/XXXX |  |  | Calculated DTI is Less than the Guideline Maximum - . ; 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 |
| 926310 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | Credit | Underwriting CLTV exceeds Guideline Maximum Allowable | Underwriting CLTV of XXX is greater than the maximum allowable guideline CLTV of XXX. | Change status of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.;<br> Client provided a guideline exception allowing for XXX% LTV which is greater than the guideline of XXX% based on qualifying credit score of XXX; borrower having been the same business for 22 years and 0x30 in the last 24 months | XX/XX/XXXX |  |  | Calculated DTI is Less than the Guideline Maximum - . ; 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 |
| 926310 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML Loan with established escrow and appraisal received. Downgraded to a B | XX/XX/XXXX |  |  | Calculated DTI is Less than the Guideline Maximum - . ; 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 |
| 926404 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926404 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML Loan with established escrow and appraisal received. Downgraded to a B | XX/XX/XXXX |  |  | 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 $XXX are greater than the Guideline Minimum of XXX or $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. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926638 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 926638 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | Credit | Fraud Report Shows Uncleared Alerts | Fraud report shows the following alerts that have not been cleared: fraud report shows additional applications; lender to confirm no other applications or REO other than: XXX,XXX,XXX,XXX,XXX,XXX,XXX and subject (Date). XXX REO not on final 1003. | Updated 1003 received with full documentation for all REOs outlined on the Fraud Report. Verified information - exception cleared. | XX/XX/XXXX | Alerts from Fraud Report have been cleared. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 926638 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | Credit | Final Loan Application is Partial | Final 1003 incomplete- missing all REO information; per MERS report new purchase in XX/XX/XXXX XXX not on final 1003. Also, other applications high alert noted on fraud report. | DSCR loan - full calculation of REO properties is not a requirement. Updated 1003 was provided - not executed. Exception cleared. | XX/XX/XXXX | Final Loan Application is Present; Updated 1003 received with full documentation for all REOs outlined on the Fraud Report. Need borrower signed application to verify these changes. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 926639 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 926639 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | Credit | HAZARD INSURANCE CERTIFICATE MISSING | Missing the Master Policy for the Condo Complex. Borrower's "walls" coverage is present; Missing copy of hazard insurance certificate | Received copy of Master Policy. Updating loan accordingly. | XX/XX/XXXX | Received copy of hazard insurance certificate | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 926639 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 XXX.; | CDA Provided supporting origination value | XX/XX/XXXX | Third Party Valuation Product Provided. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 926639 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 | XX/XX/XXXX | Third Party Valuation Product Provided. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 926405 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 926405 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 926406 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926406 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926640 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Acknowledged | Credit | Underwriting FICO does not meet Guideline Minimum Required | Underwriting FICO of XXX is less than the minimum required guideline FICO of XXX. | Change status of 'Underwriting FICO does not meet Guideline Minimum Required' from Active to Acknowledged by Client.;<br> Client provided a guideline exception allowing for credit score off XXX, below guideline minimum of XXX. DTI XXX (Housing Ratio) or XXX (total). Borrower with same Employer/Business for 5 years, Verified Reserves are 84 mos.; | XX/XX/XXXX |  |  | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926640 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926285 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML: Loan with establish escrow and appraisal received. Downgraded to a B. | XX/XX/XXXX |  |  | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 926285 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 926408 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML loan established with escrow and appraisal received | XX/XX/XXXX |  |  | 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. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926408 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926408 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926408 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML loan established with escrow and appraisal received | XX/XX/XXXX |  |  | 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. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926365 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Acknowledged | Credit | Underwriting FICO does not meet Guideline Minimum Required | Underwriting FICO of XXX is less than the minimum required guideline FICO of XXX. | Change status of 'Underwriting FICO does not meet Guideline Minimum Required' from Active to Acknowledged by Client.;<br> Client provided a guideline exception allowing for FICO XXX based onLTV XXX and reserves XXX. | XX/XX/XXXX |  |  | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926365 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Acknowledged | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. 2 mtg lates in the last 24 months (XX/XX/XXXX and XX/XX/XXXX). | Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client.;<br> Client provided a guideline exception allowing for XXX in the last 24 months (XX/XX/XXXX and XX/XX/XXXX) based on LTV XXX and reserves 59mo.. | XX/XX/XXXX |  |  | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926365 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926455 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | Credit | Borrower Employment Verification does not meet guidelines | Missing CPA expense factor of XXX% in CPA letter; lender to provide pdated CPA letter to include XXX% expense factor. | Received CRSE acknowledging exception. | XX/XX/XXXX | Change severity of 'Borrower Employment Verification does not meet guidelines' from Material to Non-Material.; Change status of 'Borrower Employment Verification does not meet guidelines' from Active to Acknowledged by Client.;<br> Received updated CRSE - Exception Type:Income-Business Expense Ratio. Guideline - XXX% Expense Ratio; Actual - XXX% Expense Ratio. Rationale - Borrower is a realtor. Used XXX% expense ratio. Borrower works for a XXX, working from home with zero employees. Compensating Factors : Qualifying Credit Score is XXX; XXX% (Housing)//XXX% (Total); Reserves of XXX Months; Residual income of $XXX; 0x30-last 24 months. Acknowledged by client. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926455 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | 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; or The initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction The creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. |  |  | 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; or The 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. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926455 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926643 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. D A |
| 926643 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. D A |
| 926643 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. | CDA Provided supporting origination value | XX/XX/XXXX | Third Party Valuation Product Provided | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. D A |
| 926348 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926348 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Acknowledged | Property | Appraisal guideline violation | Appraisal guideline violation: Subject property was vacant at time of inspection, see page XXX. Per Lender GLs XXX Loan Purposes Cash-Out Refinance - The property cannot be vacant.<br>There is a lease in file page XXX, executed XX/XX/XXXX. No exception in file to use lease for vacant property. No final inspection of property to determine property was occupied. | Received CRSE approving exception. <br> Per ICF Guidelines dated XX/XX/XXXXX, Cash-Out Refinance - property cannot be vacant. | XX/XX/XXXX | 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 - Other: Program. Property cannot be vacant. Compensating Factors : Qualifying Credit Score is XXX; 0x30-last 24 months; XXX% (Housing)//XXX% (Total); Payment decreasing by XXX; Reserves of XXX Months; Residual Income of $XXX Acknowledged by client. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926324 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926324 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926343 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML Loan with established escrow and appraisal received. Downgraded to a B. | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more. | XX/XX/XXXX | 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 C A |
| 926343 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Credit | Note Document Indicator is Partial | Note document indicator is Partial. Page 3 of the note does not show the correct NMLS ID for the broker. Note shows NMLS ID XXX. NMLS ID for Guaranteed Rate XXX is actually XXX per final CD. |  |  | Note document indicator is Present | XX/XX/XXXX | 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 |
| 926343 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Compliance | Security Instrument Indicator is Partial | The security instrument indicator is Partial. Page 9 of the security instrument does not show the correct NMLS ID for the broker. Security instrument shows NMLS ID XXX. NMLS ID for Guaranteed Rate XXX is actually XXX per final CD. |  |  | The security instrument indicator is Present | XX/XX/XXXX | 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 |
| 926343 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | 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; or The initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction The creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation.; Initial CD Missing from the file | Received CD dated XX/XX/XXXXX. Updating loan accordingly. | XX/XX/XXXX | 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; or The 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; or The initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction The creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation.; Initial Closing Disclosure issued 7/25/22 missing. | XX/XX/XXXX | 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 C A |
| 926343 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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.; Initial CD Missing from the file | Received CD dated XX/XX/XXXXX. Updating loan accordingly. | XX/XX/XXXX | 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. | XX/XX/XXXX | 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 C A |
| 926465 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML Loan with established escrow and appraisal received. Downgraded to a B | XX/XX/XXXX |  |  | 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 |
| 926465 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Property | Appraisal guideline violation | Appraisal guideline violation: Missing appraisal transfer letter | Received full copy of the appraisal including transfer letter. Exception cleared. | XX/XX/XXXX | Appraisal guideline violation is now acceptable. | XX/XX/XXXX | 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 |
| 926465 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Property | Third Party Valuation Product not Provided. | Third Party Valuation Product Provided; Third Party Valuation Product not Provided to Support Origination Appraised Value within 10%. | Received CDA dated XX/XX/XXXXX, Value of $XXX | XX/XX/XXXX | Third Party Valuation Product Provided | XX/XX/XXXX | 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 |
| 926645 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | Credit | Borrower Employment Verification does not meet guidelines | The file is missing the borrower's bank statement for XX/XX/XXXX. In addition, the lender applied a XXX% expense factor, however, the program matrix states the minimum expense factor is XXX%. Additional conditions may apply. | XX/XX/XXXXX; Approved exception to use XXX% expense factor vs minimum per guidelines of XXX% and missing XX/XX/XXXXX bank statement and XXX recent paystub. Compensating factors: XXX FICO, XXX% LTV. 17 months verified reserves. Borrower with same employer for XXX. Exceptions cleared. | XX/XX/XXXX | Change severity of 'Borrower Employment Verification does not meet guidelines' from Material to Non-Material.; Change status of 'Borrower Employment Verification does not meet guidelines' from Active to Acknowledged by Client.;<br> XX/XX/XXXX; Approved exception to use XXX% expense factor vs minimum per guidelines of XXX% and missing XX/XX/XXX bank statement and CB recent paystub. Compensating factors: XXX FICO, XXX5% LTV. 17 months verified reserves. Borrower with same employer for XXX. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926645 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | Credit | CoBorrower Employment Verification does not meet guidelines | The most recent paystub for the XXX dated XX/XX/XXXX is more than 30 days prior to the application date, which is not permitted per lender's guidelines. It is also partially illegible. Additional conditions may apply. | XX/XX/XXXXX; Approved exception to use XXX% expense factor vs minimum per guidelines of XXX% and missing XX/XX/XXXXX bank statement and XXX recent paystub. Compensating factors: XXX FICO, XXX% LTV. 17 months verified reserves. Borrower with same employer for XXX. Exceptions cleared. | XX/XX/XXXX | Change severity of 'CoBorrower Employment Verification does not meet guidelines' from Material to Non-Material. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926645 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | Credit | Borrower 2 is missing signed 4506t. | Borrower 2 is missing signed 4506. A signed 4506 is required due to wage earnings for the CB. | Received CRSE - acknowledging exception | XX/XX/XXXX | Change severity of 'Borrower 2 is missing signed 4506t.' from Material to Non-Material.; Change status of 'Borrower 2 is missing signed 4506t.' from Active to Acknowledged by Client.;<br> Received updated CRSE - Other: Income. No 4506 for B2. Borrower 2 is missing signed 4506. A signed 4506 is required due to wage earnings for the CB. Compensating Factors : Qualifying Credit Score is XXX; Qualifying LTV is XXX; Verified Reserves are XXX; Borrower with same Employer/Business for XXX. Acknowledged by client. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926645 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | Credit | Loan amount is less than the minimum required loan amount | Loan amount of XXX is less than the minimum required loan amount of XXX. A lender exception was granted. | Lender Exception Granted p801, Compensating factors include High Credit score, length of employment, Low LTV of XXX% | XX/XX/XXXX | Change severity of 'Loan amount is less than the minimum required loan amount' from Material to Non-Material.; Change status of 'Loan amount is less than the minimum required loan amount' from Active to Acknowledged by Client.;<br> Lender Exception Granted p801, Compensating factors include High Credit score, length of employment, Low LTV of XXX% | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926645 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | Credit | Residual income does not meet guidelines. | Residual income of $XXX does not meet minimum guidelines of $XXX.. A lender exception was granted. | Lender Exception Granted p801, Compensating factors include High Credit score, length of employment, Low LTV of XXX%; Lender Exception Granted p801, Compensating factors include High Credit score, length of employment, Low LTV of XXX% | XX/XX/XXXX | Change status of 'Residual income does not meet guidelines.' from Active to Acknowledged by Client.;<br> Lender Exception Granted p801, Compensating factors include High Credit score, length of employment, Low LTV of XXX%; Lender Exception Granted p801, Compensating factors include High Credit score, length of employment, Low LTV of XXX% | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926645 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Compliance | NJ HOSA 2004 High-Cost Home Loan Financing of Points and Fees Test | This loan failed the high-cost home loan financing of points and fees test.<br> (NJ AB 75, § 5. l.)<br> The high-cost home loan finances points and fees in excess of XXX% of the total loan amount. | Received copy of internal documentation, undiscounted rate XXX% | XX/XX/XXXX | The high-cost home loan financing of points and fees test is not applicable to this loan.<br> (NJ AB 75, § 5. l.)<br> The loan is not a high-cost home loan, as defined in the legislation.; Received copy of internal documentation, undiscounted rate XXX%; Please provide undiscounted rate | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926645 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Compliance | NJ HOSA 2004 High-Cost Home Loan Points and Fees Threshold Test | This loan failed the high-cost home loan points and fees threshold test.<br> (XXX.) , (XXX)<br> The total points and fees of this loan, which are $XXX, exceed one of the following thresholds based on the total loan amount, which is $XXX:<br> Either the total points and fees exceed XXX% of the total loan amount if the total loan amount is $XXX or more; or The total points and fees exceed XXX% of the total loan amount if the total loan amount is $XXX or more but less than $XXX; or The total points and fees exceed the lesser of XXX% of the total loan amount or $XXX, if the total loan amount is less than $XXX. | Received copy of internal documentation, undiscounted rate XXX% | XX/XX/XXXX | This loan passed the high-cost home loan points and fees threshold test due to all of the following findings:<br> (NJ AB 75, § 3.) , (NJ SB 279, § 2.)<br> The total points and fees for this loan are $XXX and the total loan amount for this loan is $XXX.<br> The total points and fees do not exceed XXX% of the total loan amount if the total loan amount is $XXX or more; and The total points and fees do not exceed XXX% of the total loan amount if the total loan amount is $XXX or more but less than $XXX; and The total points and fees do not exceed the lesser of XXX% of the total loan amount or $XXX, if the total loan amount is less than $XXX.; Received copy of internal documentation, undiscounted rate XXX%; Please provide the undiscounted rate. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926281 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 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 |
| 926281 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | 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 |
| 926652 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | Credit | Fraud Report Shows Uncleared Alerts | Fraud report shows the following alerts that have not been cleared: The borrower's SSN on the fraud report is flagged for additional review/verification. ; Alerts from Fraud Report have been cleared. | XX/XX/XXXX: Received loe from client:. Borrower is a XXX that has other loans on file with client using the same SSN and without issue. Exception cleared. | XX/XX/XXXX | Alerts from Fraud Report have been cleared. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926289 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 926289 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 926637 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 926637 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | Credit | Title Policy is Partial | Title policy is Partial. Title commitment reflects coverage of $XXX which is insufficient for loan amount of $XXX and does not state proposed insured. | XX/XX/XXXX; Received updated commitment for $XXX. Exception cleared. | XX/XX/XXXX | Title policy is Present | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 926277 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926672 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 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. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926672 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 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. | Received confirmation of the $XXX deposit. Updating assets to reflect this deposit. Exception cleared. | XX/XX/XXXX | The liquid reserves of XXX months or $XXX, is greater than or equal to the Guidelines minimum required of XXX or $XXX. | XX/XX/XXXX | 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. ; Borrower Years On Job Exceeds XXX - Borrower Years On Job Exceeds XXX A |
| 926672 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. The lender calculated income using 12 months business bank statements, XXX% ownership and XXX% expense factor. The guidelines requires a minimum XXX% expense factor ratio. |  |  | Updated CRSE received - XXX% Expense Ratio. Guidelines - 12 months business bank statements, XXX% ownership and XXX% expense factor. The guidelines requires a minimum XXX% expense factor. Compensating Factors : Qualifying Credit Score is XXX; Borrower with same Employer/Business for XXX. Acknowledged by client. ; Change severity of 'Borrower Income Verification does not match Approval' from Material to Non-Material. | XX/XX/XXXX | 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. ; Borrower Years On Job Exceeds XXX - Borrower Years On Job Exceeds XXX A |
| 926309 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | Credit | Payment shock exceeds lender guidelines | Payment shock of XXX exceeds the lender guidelines tolerance for payment shock. | Received updated CRSE - acknowledging exception. | XX/XX/XXXX | 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> Received CRSE - Payment Shock: Exceeds maximum allowed by program guidelines. Actual XXX%; Exception Comments - Payment Shock exceeds max allowed for XXX XXX%. Compensating Factors : Qualifying Credit Score is XXX; 0x30-last 24 months; XXX% (housing ratio) or XXX% (total); Monthly housing payment is changing by - XXX monthly; Residual Income of $XXX; Borrower with same Employer/Business for XXX. Acknowledged by client. | XX/XX/XXXX | 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 |
| 926309 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Credit | Final Loan Application is Partial | Final Loan Application is Partial; Missing current rents on final 1003; payment shock to be reviewed once rents determined. | Copy of bank statements received showing payments to XXX. Payments ranged $XXX. Payment Shock calculated - exception cleared. | XX/XX/XXXX | Final Loan Application is Present | XX/XX/XXXX | 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 |
| 926309 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. Missing VOR or 12 months cancelled checks for rent. Rent not on 1003; pmt shock review to be completed. | Received copy of bank statements showing payments to XXX. 12 full payments shown. Exception cleared. | XX/XX/XXXX | Housing delinquency meets guidelines. | XX/XX/XXXX | 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 |
| 926309 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Compliance | Originator NMLS is Not Active | The originator NMLS status is Not Active - NMLS #XXX no active separate license for XXX. | Received copy of NMLS - Originator is authorized to conduct business in XXX for XXX. Exception cleared. | XX/XX/XXXX | The originator NMLS status is Active | XX/XX/XXXX | 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 |
| 926276 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML with established escrows and appraisal requirements met | XX/XX/XXXX | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; HPML with established escrows and appraisal requirements met | XX/XX/XXXX | Calculated DTI is Less than the Guideline Maximum -. ; 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 926276 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | Underwriting LTV of XXX is greater than the maximum allowable guideline LTV of XXX based on a loan amount of XXX and value used for LTV of XXX.; The Credit Risk Summary and Exception Approval on page 984 of the produced file indicates that the lender approved the LTV/CLTV exception because the loan condition was approved prior to XX/XX/XXXX. However the prior XXX indicates that the loan was approved on XX/XX/XXXX, with a secondary approval on XX/XX/XXXX and does NOT include an exception approval for the LTV/CLTV. Therefore the exception approval is not valid. | Received updated CRSE - acknowledging the exception. | XX/XX/XXXX | Change severity of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Material to Non-Material.; Change status of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.;<br> Received updated CRSE - LTV: Exceeds maximum allowed. Actual - XXX%. Compensating Factors : Qualifying Credit Score is XXX; 0x30-last 24 months; XXX% (Housing Ratio) or XXX% (Total); Residual Income of $XXX; XXX Fico. Acknowledged by client. | XX/XX/XXXX | Calculated DTI is Less than the Guideline Maximum -. ; 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 926276 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | Credit | Underwriting CLTV exceeds Guideline Maximum Allowable | Underwriting CLTV of XXX is greater than the maximum allowable guideline CLTV of XXX.; The Credit Risk Summary and Exception Approval on page 984 of the produced file indicates that the lender approved the LTV/CLTV exception because the loan condition was approved prior to XX/XX/XXXX. However the prior CRSEA indicates that the loan was approved on XX/XX/XXXX with a secondary approval on XX/XX/XXXX and does NOT include an exception approval for the LTV/CLTV. Therefore the exception approval is not valid. | Received updated CRSE - acknowledging the exception. | XX/XX/XXXX | Change severity of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Material to Non-Material.; Change status of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.;<br> Received updated CRSE - LTV: Exceeds maximum allowed. Actual - XXX%. Compensating Factors : Qualifying Credit Score is XXX; 0x30-last 24 months; XXX% (Housing Ratio) or XXX% (Total); Residual Income of $XXX; XXX Fico. Acknowledged by client. | XX/XX/XXXX | Calculated DTI is Less than the Guideline Maximum -. ; 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 926276 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete: Bank statement for XXX account ending in XXX is not in file, therefore the reported assets cannot be verified. The borrower still has sufficient funds to close and reserves sufficient to meet the g/l requirements, but he is being presented as having > 25 months of reserves, not XXX as verified. | Received LOX - Evidence of the wire sent at closing already provided but attached for your convenience. The gift increased to $XXX. Gift letter with confirmation of funds being provided at closing. Verified information - updated accordingly. Exception cleared. <br> Received LOX - Gift funds were included in asset calculation. Unable to locate the documentation. Requested from client. | XX/XX/XXXX | Received LOX - Evidence of the wire sent at closing already provided but attached for your convenience. The gift increased to $XXX. Gift letter with confirmation of funds being provided at closing. Verified information - updated accordingly. Exception cleared. ; Received LOX, need documentation supporting gift funds. | XX/XX/XXXX | Calculated DTI is Less than the Guideline Maximum -. ; 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 926413 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926413 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926320 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML Loan with established escrow and appraisal received. Downgraded to a B.; Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926320 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926359 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926359 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | Property | Third Party AVM to appraised value exceeds 10% allowable variance | Third party AVM value of XXX with a variance of XXX exceeds XXX% allowable variance. <br> Appraised value is $XXX. FNMA UCDP score XXX and FHLMC UCDP is not eligible. | Received Desk Review. Updating loan accordingly. | XX/XX/XXXX | Additional third party valuation requested to support value. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926367 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926367 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926415 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML Loan with established escrow and appraisal received. Downgraded to a B. | XX/XX/XXXX |  |  | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926415 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | Credit | Housing history does not meet guidelines | Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client.<br> Approved Exception for Housing History not met. Compensating Factors: Credit score XXX, XXX%/XXX% DTI ratios, Borrower with the same employer/business for XXX years, verified reserves are XXXX and residual income of $XXX; UW Manager Approved Housing History Exception due XXX% DTI and XXX months in Reserves Fico XXX; Change severity of 'Housing history does not meet guidelines' from Material to Non-Material.; Housing history does not meet 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926415 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 $XXX and CU score is a XXX Exception Cleared. ; Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. | Third Party Valuation Product not required due to CU Score | XX/XX/XXXX | Third Party Valuation Product not required due to CU Score | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926429 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML Loan with established escrow and appraisal received. Downgraded to a B. | XX/XX/XXXX |  |  | 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. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926429 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 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. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926323 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926323 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete: File is missing evidence borrower is authorized to withdraw funds listed in "XXX" for XXX acct #XXX page 23 of PDF. | Received LOX stating - XXX SOS Statement of Information on XXX lists XXX as member. Documentation from XXX provided - exception cleared. | XX/XX/XXXX | Received LOX stating - XXX SOS Statement of Information on XXX lists XXX as member. Documentation from XXX provided - exception cleared. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926657 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 926657 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. Received copy of Verification of Loan. Loan originated XX/XX/XXXX Cannot confirm mortgage/rental history prior to this date. 9 months verified. Per GLs 12 months required. | Received LOX - Borrower has previous residence at XXX - per site X report in file - loan refinanced with XXX XX/XX/XXXX. This completes the housing history. Copy of Credit Report provided - exception cleared. | XX/XX/XXXX | Housing delinquency meets guidelines. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 926657 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | Property | Is Completion Certificate in file is No | The appraisal was completed "Subject To" however, the file is missing the Completion Certificate. | Received LOX with copy of Roofing Certification. The Appraisal shows final inspection only needed roofing cert. Exception cleared. | XX/XX/XXXX | The Completion Certificate is Yes | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 926658 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML Loan with established escrow and appraisal received. Downgraded to a B.; | XX/XX/XXXX | Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926658 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Credit | Final Loan Application is Partial | Final 1003 reflects XXX at current address however property report and deed of transfer reflects borrower took ownership of XXX. ; Final Loan Application is Partial | Borrower purchased home in XX/XX/XXXX but was resident at this address prior to the purchase. See business bank statements going back to XX/XX/XXXX which was prior to the home purchase. Also the credit report indicates at that address from XXX. No changes needed. | XX/XX/XXXX | Final Loan Application is Present | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926658 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Credit | Borrower Employment Verification does not meet guidelines | Please provide CPA letter confirming percentage of ownership required for Business Bank Statement Guidelines. | Received LOX with documentation - XXX SOS shows is single member XXX. Exception cleared. | XX/XX/XXXX | Received LOX with documentation - XXX SOS shows is single member XXX. Exception cleared. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926299 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML loan with established escrow and appraisal received. Downgraded to a B; Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more. | XX/XX/XXXX | 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 |
| 926299 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 |
| 926660 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML Loan with established escrow and appraisal received. Downgraded to a B. | XX/XX/XXXX |  |  | 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 XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 926660 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 926259 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926259 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926355 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML loan with established escrow and appraisal received. | XX/XX/XXXX |  |  | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926355 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926662 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926662 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 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. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926664 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926664 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926663 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 926663 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 926262 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. D A |
| 926262 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. D A |
| 926262 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX. Exception cleared. | CDA dated XX/XX/XXXXX, Value of $XXX | XX/XX/XXXX | Third Party Valuation Product Provided. | XX/XX/XXXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. D A |
| 926667 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926667 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926261 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Acknowledged | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. Guidelines require 24 months of mortgage history and require that the borrower own a primary residence. Exception was granted. Pgs 372, 378-397, 848, 849 | Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client.;<br> Client provided a guideline exception allowing for 12 months checks for rent. Comp factors: Reserves of XXX months. | XX/XX/XXXX |  |  | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926261 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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. |  |  |  |  | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926255 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 926255 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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. ; 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 stable job time - Borrower has XXX years at job. A |
| 926537 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested; 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. | The CD dated XX/XX/XXXX showed an increase in the Appraisal Amount with a $10 Lender Credit. Updating loan accordingly. | XX/XX/XXXX |  |  | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926537 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded. 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. | The CD dated XX/XX/XXXX showed an increase in the Appraisal Amount with a $10 Lender Credit. Updating loan accordingly. | XX/XX/XXXX |  |  | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926537 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926537 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Credit | Borrower Liabilities Verificiation Indicator is Missing | Borrower liabilities verified indicator is Missing. Credit report in file is dated XX/XX/XXXX, > 120 days prior to closing and in violation of the lender's G/L. No exception was approved, and an updated credit report, credit supplement or comparative credit report was not found in the file. | Received Credit report dated XX/XX/XXXX w/ supplemental dated XX/XX/XXXX. Updating account accordingly. Exception cleared. | XX/XX/XXXX | Borrower liabilities verified indicator is Present | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926537 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Compliance | Charges That Cannot Increase Test | There's no documentation in the file to determine why the appraisal fee increased to XXX on the revised LE issued XX/XX/XXXX and the cost to cure did not cover the $XXX increase. | The CD dated XX/XX/XXXXshowed an increase in the Appraisal Amount with a $10 Lender Credit. Updating loan accordingly. | XX/XX/XXXX | 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 $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). | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926256 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926256 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926256 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926669 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 |
| 926669 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 |
| 926669 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926512 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 |
| 926512 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 |
| 926512 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926430 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926430 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $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. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926430 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | Per the Disclosure Trackers, the following initial and revised CD's are missing from the loan file but were electronically issued to the borrower(s): CD's issued XX/XX/XXXX and XX/XX/XXXX . | Received Credit report dated XX/XX/XXXX w/ supplemental dated XX/XX/XXXX. Updating account accordingly. Exception cleared. | XX/XX/XXXX | 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; or The 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; or The initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction The creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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. ; Borrower Years On Job Exceeds XXX - Borrower Years On Job Exceeds XXX A |
| 926430 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Compliance | TRID Monitor Timing of Disclosures Finding | Per the Disclosure Trackers, the following initial and revised CD's are missing from the loan file but were electronically issued to the borrower(s): CD's issued XX/XX/XXXX and XX/XX/XXXX . | Received Credit report dated XX/XX/XXXX w/ supplemental dated XX/XX/XXXX. Updating account accordingly. Exception cleared. | XX/XX/XXXX | 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. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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. ; Borrower Years On Job Exceeds XXX - Borrower Years On Job Exceeds XXX A |
| 926344 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML Loan with established escrow and appraisal received. | XX/XX/XXXX | 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. ; 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 |
| 926344 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 |
| 926344 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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. ; 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 |
| 926344 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Compliance | Homeownership Counseling Disclosure is Missing | Disclosure Tracking on page 173 notes the HCD has been issued. It is not in the file.; The homeownership disclosure is Missing |  |  | The homeownership disclosure is received.; XX/XX/XXXX: Received Homeownership Counseling Disclosure in trailing docs. Exception cleared. | XX/XX/XXXX | 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 |
| 926305 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926305 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926305 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $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. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926295 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations.<br> ; The exception 'No Compliance 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926295 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926295 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926447 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML Loan with established escrow and appraisal received. Downgraded to a B; | XX/XX/XXXX |  |  | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926447 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Compliance | Cal. Fin. Code § 4973(k) - Consumer Caution and Home Ownership Counseling Notice Disclosure was not provided | XXX. Fin. Code § 4973(k) - Consumer Caution and Home Ownership Counseling Notice Disclosure was not provided | Received copy of Initial Disclosure Package. Homeownership Counseling document was provided. Exception cleared. | XX/XX/XXXX | Consumer Caution and Home Ownership Counseling Notice Disclosure was provided | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926332 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 926332 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 926331 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. D A |
| 926331 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. D A |
| 926331 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 XXX. | CDA Provided supporting origination value | XX/XX/XXXX | Third Party Valuation Product Provided. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. D A |
| 926331 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 | XX/XX/XXXX | Third Party Valuation Product Provided. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. D A |
| 926331 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 | XX/XX/XXXX | Third Party Valuation Product Provided | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. D A |
| 926603 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926603 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | Credit | Hazard Insurance Indicator is Partial | Hazard insurance indicator is Partial. Pg 191 indicates that subject property is Owner Occupied. Need occupancy corrected. | Received amended insurance Policy showing rental. Updating loan accordingly. | XX/XX/XXXX | Hazard insurance indicator is Present | XX/XX/XXXX | 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. ; Borrower Years On Job Exceeds XXX - Borrower Years On Job Exceeds XXX A |
| 926603 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 from insurance company was not provided. | The state of XXX enacted a statue effective XX/XX/XXXX that does not allow the insurance company to disclose guaranteed replacement coverage or the replacement cost estimator. Exception cleared. | XX/XX/XXXX | Hazard insurance coverage is sufficient. | XX/XX/XXXX | 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. ; Borrower Years On Job Exceeds XXX - Borrower Years On Job Exceeds XXX A |
| 926304 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. C B A |
| 926304 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Acknowledged | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. Guidelines required 24 months of housing history and that the borrower own a primary residence. Borrower is currently renting, and 12 months of rent checks are provided. Exception was granted. Pgs 434, 499-512, 978 | CRSE acknowledged exception | XX/XX/XXXX | 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> Per CRSE - Credit: Housing history (mortgage/rent) requirements not met. Actual - renting primary. Compensating Factors : XXX FICO; No Derog credit since inception. Acknowledged by client. | XX/XX/XXXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. C B A |
| 926325 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML with established escrows and appraisal requirements met; | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX - Borrower Years On Job Exceeds XXX A |
| 926325 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926450 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | Escrow account established, and appraisal receipt acknowledged within 3 days.; | XX/XX/XXXX |  |  | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926450 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. Lender guidelines allow 1x30x12. Lender did not verify 12 months of housing history. <br>VOR for borrower's previous address at XXX: AO condition on page 1263 requires XXX #XXX printout showing rent pmts XX/XX/XXXX to XX/XX/XXXX . XXX #XXX statement found on page 632 and rent payments page 640-641 are not in the Borrower's name. Lease page 617 shows borrower and bank statement holder as tenants. <br> No verification in file that our Borrower personally paid 12 months rent.<br>Borrower acquired subject property XX/XX/XXXX. VOM in file page 614 shows date of last payment XX/XX/XXXX, next due date XX/XX/XXXX. | Bank Statement #XXX shows payments to XXX. Per Lease agreement - owner of this account resides with our borrower at the lease property. 12 full months of payments are outlined. Exception cleared. | XX/XX/XXXX | Housing delinquency meets guidelines. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926445 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML with established escrows and appraisal requirements met | XX/XX/XXXX |  |  | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926445 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926317 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML loan with established escrow and appraisal received; Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; | XX/XX/XXXX |  |  | 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 XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926317 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Credit | Housing history does not meet guidelines | Rent checks provided to verify rental history are not cancelled (pages 531-541). Provide copies of cancelled checks. Provide explanation for lower rent payment of $XXX for check dated XX/XX/XXXX. Also provide lease agreement to verify start date of lease.; Housing history does not meet guidelines. | XX/XX/XXXX: Received loe that the checks provided were cancelled, checks. Upon further review, the rent checks are indeed cancelled checks. Exception cleared. | XX/XX/XXXX | Housing delinquency meets guidelines. | XX/XX/XXXX | 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 XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX - Borrower Years On Job Exceeds XXX A |
| 926590 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | Property | Appraisal guideline violation | Appraisal guideline violation: | Change status of 'Appraisal guideline violation' from Active to Acknowledged by Client.;<br> Approved Exception for Non-Arms Length sale. Compensating Factors: No derogs credit since XXX, DTi XXX% - max XXX% and Stable employment since XX/XX/XXXX | XX/XX/XXXX |  |  | Calculated DTI is Less than the Guideline Maximum - ; 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 $XXX are greater than the Guideline Minimum of XXX or $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. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926590 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - ; 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 $XXX are greater than the Guideline Minimum of XXX or $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. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926551 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML loan with established escrow and appraisal received; Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; | XX/XX/XXXX |  |  | Calculated DTI is Less than the Guideline Maximum - . ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926551 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | Credit | Unresolved derogatory credit | Borrower has unresolved derogatory credit. One open in 24 months in the amount of $XXX to be paid at closing. |  |  | Change severity of 'Unresolved derogatory credit' from Material to Non-Material.; Change status of 'Unresolved derogatory credit' from Active to Acknowledged by Client.;<br> Client provided guideline exception for $XXX Collection account based on XXX%/XXX% DTI, $XXX in residual income and stable employment history of XXX years. | XX/XX/XXXX | Calculated DTI is Less than the Guideline Maximum - . ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX - Borrower Years On Job Exceeds XXX A |
| 926551 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 XXX. | CDA Provided supporting origination value | XX/XX/XXXX | Third Party Valuation Product Provided.; Change status of 'Third Party Valuation Product Not Provided and CU Score is Greater Than XXX' from Active to Revoked.;<br> Per Lender Guidelines, not applicable loan amount is less than $XXX | XX/XX/XXXX | Calculated DTI is Less than the Guideline Maximum - . ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX - Borrower Years On Job Exceeds XXX A |
| 926551 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 | XX/XX/XXXX | 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> Per Lender Guidelines, not applicable loan amount is less than $XXX. | XX/XX/XXXX | Calculated DTI is Less than the Guideline Maximum - . ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX - Borrower Years On Job Exceeds XXX A |
| 926321 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML with established escrows and appraisal requirements met.; | XX/XX/XXXX |  |  | 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 |
| 926321 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. Missing VOR. | Received LOX - There are 13 months validated from bank statements - and the last few months were XXX payments. Re-reviewed bank statements starting in XX/XX/XXXX. Exception<br> Pending copy of VOR for property XXX. | XX/XX/XXXX | Housing delinquency meets guidelines. | XX/XX/XXXX | 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 |
| 926321 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Credit | Property is located in a FEMA disaster area | FEMA declared XXX in a disaster area (wildfires) 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 FEMA report showing property has no damage. Exception cleared. | XX/XX/XXXX | Post disaster inspection confirms no property damage | XX/XX/XXXX | 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 |
| 926282 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML Loan with establish escrow and appraisal received. Downgraded to a B. | XX/XX/XXXX |  |  | C B A |
| 926282 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | Client approved LTV exception per email page XXX and CRSE page XXX; GL max LTV XXX credit score and XXX% LTV; actual: credit score XXX. |  |  | Change severity of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Material to Non-Material. | XX/XX/XXXX | C B A |
| 926282 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | Credit | Underwriting CLTV exceeds Guideline Maximum Allowable | Client approved LTV exception per email page XXX and CRSE page XXX; GL max LTV XXX credit score and XXX% LTV; actual: credit score XXX. |  |  | Change severity of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Material to Non-Material. | XX/XX/XXXX | C B A |
| 926282 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval; client approved exception for NSF/OD- 7 ODS for XXX program and not within acceptability as noted on lenders quick calc page 681. |  |  | Change severity of 'Borrower Income Verification does not match Approval' from Material to Non-Material. | XX/XX/XXXX | C B A |
| 926587 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926489 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 926489 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 926488 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 926488 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 926488 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 XXX. | Received Desk Review. Updating loan accordingly. | XX/XX/XXXX | Third Party Valuation Product Provided. | XX/XX/XXXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 926417 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML Loan with established escrow and appraisal received. Downgraded to a B. | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more. | XX/XX/XXXX | ; 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926417 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | Credit | Borrower Employment Verification does not meet guidelines | Per CRSE - Income - Actual <2yr History. Comments - XXX formation date XX/XX/XXXX. Compensating Factors : no deog credit for last 24 months; XXX (program max XXX); XXX% LTV, XXX% below pgrm max; >12mos post closing; >25k per mo (program min $XXX). Acknowledged by Client; There is an approved exception for <2 yr history because the business was formed XX/XX/XXXX. Guidelines require 2 year employment history. Per CPA letter, borrower was the sole proprietary since it was formed in XXX. However setting exception due to the exception being added on the Credit Risk Summary Exception Approval. |  |  |  |  | ; 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926417 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | Credit | Payment shock exceeds lender guidelines | Per CRSE - Payment Shock: Exceeds maximum allowed by program guidelines. Actual - XXX%. Compensating Factors : no deog credit for last 24 months; XXX (program max XXX); XXX% LTV, 10% below pgrm max; >12mos post closing; >25k per mo (program min $XXX). Acknowledged by Client; Change severity of 'Payment shock exceeds lender guidelines' from Material to Non-Material.; Payment shock of XXX exceeds the lender guidelines tolerance for payment shock of XXX%. Exception was approved by client on credit risk summary |  |  |  |  | ; 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926417 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Credit | Housing history does not meet guidelines | Highlighted dates on bank statements where check cleared, but does not identify that it was a rent check. Need to provide copies of rent checks for XX/XX/XXXX. ; Housing history does not meet guidelines. | Client provided clarification showing the borrower's bank merged and older documents were not able to be obtained. Sufficient explanation provided. Exception cleared. | XX/XX/XXXX | Housing delinquency meets guidelines. | XX/XX/XXXX | ; 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926605 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML with established escrows and meets appraisal requirements - downgraded to B.; Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XX/XX/XXXX |  |  | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926605 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | Credit | Unresolved derogatory credit | Borrower has unresolved derogatory credit. Collection within 24 months. ; Change status of 'Unresolved derogatory credit' from Active to Acknowledged by Client.<br> Client provided a guideline exception allowing for collection < 24 months based on 12+ months of reserves. ; Change severity of 'Unresolved derogatory credit' 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. ; 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926605 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | Qualifying DTI of XXX exceeds guideline maximum of XXX Lender approved income on quick calc p704 is $XXX. Audit matches lender income at $XXX. <br> Lender income on final 1008 page 1051 is $XXX and appears to use a XXX% expense ratio vs the lender approved quick calc expense ratio of XXX%. | Received LOX - "The XXX% is the default for our forms. If a CPA letter is in the file, the underwriter can use an expense ratio below XXX% at their discretion. See attached CPA letter and income worksheet showing XXX% expense ratio which is allowed." CPA letter shows expense ratio of XXX%. Client's UW used a more conservative approach at XXX%. Updating calculation. | XX/XX/XXXX | Documentation provided to support Qualifying DTI below XXX. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926605 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. <br> Lender approved income on quick calc p704 is $XXX. Audit matches lender income at $XXX. Lender income on final 1008 page 1051 is $XXX and appears to use a XXX% expense ratio vs the lender approved quick calc expense ratio of XXX%. | Received LOX - "The XXX% is the default for our forms. If a CPA letter is in the file, the underwriter can use an expense ratio below XXX% at their discretion. See attached CPA letter and income worksheet showing XXX% expense ratio which is allowed." CPA letter shows expense ratio of XXX%. Client's UW used a more conservative approach at XXX%. Updating calculation. | XX/XX/XXXX | The borrower income verification does match approval | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926419 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML Loan with established escrow and appraisal received. Downgraded to a B. | XX/XX/XXXX |  |  | 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 more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926419 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 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. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 926477 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926477 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial. Verification of the updated PITIA on the new refinance transactions per the final 1003, on properties XXX, and XXX, was not found in file. Provided final CD for all 3 properties to verify PITIA. | Received copies of mortgage statements for REO properties. Reviewed calculations - exception cleared. <br> XX/XX/XXXX: Received documentation on loans being refinanced. Need new PITIA from refinances shown on Final 1003. Exception stands. | XX/XX/XXXX | Borrower liabilities verified indicator is Present; XX/X/XXXX: Received documentation on loans being refinanced. Need new PITIA from refinances shown on Final 1003. Exception stands. | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $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 |
| 926418 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML Informational: Escrows and Appraisal requirements met. ; | XX/XX/XXXX |  |  | Borrower has stable job time - Borrower has XXX years at job. C A |
| 926418 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | Qualifying DTI of XXX exceeds guideline maximum of XXX. DTI XXX% based on updated debts from credit report comparison dated before closing on XX/XX/XXXX. | Received LOX - Authorized User Accounts are exempt from DTI calculation. Removed accounts to update loan accordingly. | XX/XX/XXXX | Documentation provided to support Qualifying DTI below XXX. | XX/XX/XXXX | Borrower has stable job time - Borrower has XXX years at job. C A |
| 926327 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | 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 (XXX%) by XXX 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 (XXX%) by XXX or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within 3 days.; non material, B grade. | HPML Informational: Escrows and Appraisal requirements met. ; | XX/XX/XXXX |  |  | 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 |
| 926327 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Credit | Fraud Report Shows Uncleared Alerts | Fraud report shows the following alerts that have not been cleared: High Alerts: 1) Need SAM.gov for borrower identity. 2) Third Party Hazard Insurance Company. | Client conducts additional research on all parties involved in loan. Exception cleared. | XX/XX/XXXX | Alerts from Fraud Report have been cleared. | XX/XX/XXXX | 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 |
| 926327 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Credit | OFAC Check was not completed/Cleared. | OFAC Check was not completed/cleared.; OFAC match for Hazard Insurance Company not cleared. | Client conducts additional research on all parties involved in loan. Exception cleared. | XX/XX/XXXX | OFAC Check was completed and cleared. | XX/XX/XXXX | 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 |
| 926484 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 926484 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | 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 $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |

---

## Exhibit 99.9

[HOMES 2023-NQM2 ABS-15G](home-abs15g_031723.htm)

**EXHIBIT 99.9**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | | **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** |
| 926440 |  | XXXXX | $XXXXXX | $XXX | $XXX | 85% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |
| 926382 |  | XXXXX | $XXXXXX | $XXX | $XXX | 50% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926370 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926302 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926549 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | Form 1025 |  |  |  | XXX | XX/XX/XXXX | $XXX | $XXX | 89 | 2.87% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 926608 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926543 |  | XXXXX | $XXXXXX | $XXX | $XXX | 60% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926326 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926386 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | Eligible |
| 926524 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Eligible |
| 926565 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926444 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926387 |  | XXXXX | $XXXXXX | $XXX | $XXX | 66.40% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |
| 926527 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |
| 926649 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926390 |  | XXXXX | $XXXXXX | $XXX | $XXX | 50% | XX/XX/XXXX | $XXX | Form 1025 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 926392 |  | XXXXX | $XXXXXX | $XXX | $XXX | 43.34% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| 926432 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Eligible |
| 926616 |  | XXXXX | $XXXXXX | $XXX | $XXX | 85% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926633 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Eligible |
| 926547 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |
| 926563 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926258 |  | XXXXX | $XXXXXX | $XXX | $XXX | 57.91% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926394 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70.75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Eligible |
| 926634 |  | XXXXX | $XXXXXX | $XXX | $XXX | 69.85% | XX/XX/XXXX | $XXX | Form 1025 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 926397 |  | XXXXX | $XXXXXX | $XXX | $XXX | 85% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926251 |  | XXXXX | $XXXXXX | $XXX | $XXX | 53.91% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |
| 926585 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926403 |  | XXXXX | $XXXXXX | $XXX | $XXX | 85% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | Eligible |
| 926405 |  | XXXXX | $XXXXXX | $XXX | $XXX | 60% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926406 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926640 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926285 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |
| 926408 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | Eligible |
| 926365 |  | XXXXX | $XXXXXX | $XXX | $XXX | 44.94% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926324 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | XXX | XX/XX/XXXX | $XXX | $XXX | 91 | -8.63% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | Not Eligible |
| 926343 |  | XXXXX | $XXXXXX | $XXX | $XXX | 79.38% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926281 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | Eligible |
| 926309 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | Eligible |
| 926413 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926320 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926367 |  | XXXXX | $XXXXXX | $XXX | $XXX | 40.12% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926415 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926429 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926657 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926658 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |
| 926299 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926660 |  | XXXXX | $XXXXXX | $XXX | $XXX | 40% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926259 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| 926355 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Eligible |
| 926664 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Eligible |
| 926663 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926261 |  | XXXXX | $XXXXXX | $XXX | $XXX | 24.39% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |
| 926255 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926450 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | Eligible |
| 926590 |  | XXXXX | $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 | $XXX | 5.31% |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | Not Eligible |
| 926587 |  | XXXXX | $XXXXXX | $XXX | $XXX | 57.60% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | XXX | XX/XX/XXXX | $XXX | $XXX | 91 | 21.26% | XX/XX/XXXX | $XXX | $XXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926419 |  | XXXXX | $XXXXXX | $XXX | $XXX | 85% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926484 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926305 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926295 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926430 |  | XXXXX | $XXXXXX | $XXX | $XXX | 55% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |
| 926344 |  | XXXXX | $XXXXXX | $XXX | $XXX | 85% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |
| 926256 |  | XXXXX | $XXXXXX | $XXX | $XXX | 54% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926539 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 926443 |  | XXXXX | $XXXXXX | $XXX | $XXX | 90% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 926296 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926473 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926550 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | Form 1025 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 926532 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75.56% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926592 |  | XXXXX | $XXXXXX | $XXX | $XXX | 61.63% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | Not Eligible |
| 926353 |  | XXXXX | $XXXXXX | $XXX | $XXX | 85% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 926619 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Eligible |
| 926516 |  | XXXXX | $XXXXXX | $XXX | $XXX | 57.57% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| 926274 |  | XXXXX | $XXXXXX | $XXX | $XXX | 90% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926552 |  | XXXXX | $XXXXXX | $XXX | $XXX | 65% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926442 |  | XXXXX | $XXXXXX | $XXX | $XXX | 85% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | Eligible |
| 926568 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | Form 1025 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 926609 |  | XXXXX | $XXXXXX | $XXX | $XXX | 51.47% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | Eligible |
| 926595 |  | XXXXX | $XXXXXX | $XXX | $XXX | 55.17% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | Eligible |
| 926437 |  | XXXXX | $XXXXXX | $XXX | $XXX | 85% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | XXX | XX/XX/XXXX | $XXX | $XXX | 92 | 6.94% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926589 |  | XXXXX | $XXXXXX | $XXX | $XXX | 85% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Eligible |
| 926467 |  | XXXXX | $XXXXXX | $XXX | $XXX | 77.25% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | Eligible |
| 926644 |  | XXXXX | $XXXXXX | $XXX | $XXX | 90% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | Not Eligible |
| 926531 |  | XXXXX | $XXXXXX | $XXX | $XXX | 57.33% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926459 |  | XXXXX | $XXXXXX | $XXX | $XXX | 90% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926624 |  | XXXXX | $XXXXXX | $XXX | $XXX | 57.89% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | XXX | XX/XX/XXXX | $XXX | $XXX | 95 | -3.09% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | Not Eligible |
| 926314 |  | XXXXX | $XXXXXX | $XXX | $XXX | 33.78% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | Not Eligible |
| 926586 |  | XXXXX | $XXXXXX | $XXX | $XXX | 65% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Eligible |
| 926629 |  | XXXXX | $XXXXXX | $XXX | $XXX | 78.65% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| 926441 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926572 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Eligible |
| 926558 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | Form 1025 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 926560 |  | XXXXX | $XXXXXX | $XXX | $XXX | 90% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926566 |  | XXXXX | $XXXXXX | $XXX | $XXX | 85% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |
| 926520 |  | XXXXX | $XXXXXX | $XXX | $XXX | 85% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 926635 |  | XXXXX | $XXXXXX | $XXX | $XXX | 90% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Eligible |
| 926396 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926345 |  | XXXXX | $XXXXXX | $XXX | $XXX | 79.67% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | Not Eligible |
| 926463 |  | XXXXX | $XXXXXX | $XXX | $XXX | 78% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926506 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |
| 926466 |  | XXXXX | $XXXXXX | $XXX | $XXX | 85% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | Eligible |
| 926425 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | Eligible |
| 753039 |  | XXXXX | $XXXXXX | $XXX | $XXX | 69.26% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926358 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | Not Eligible |
| 926650 |  | XXXXX | $XXXXXX | $XXX | $XXX | 36.84% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Eligible |
| 926310 |  | XXXXX | $XXXXXX | $XXX | $XXX | 82.63% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | XXX | XX/XX/XXXX | $XXX | $XXX | 92 | -7.16% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Eligible |
| 926404 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | Eligible |
| 926638 |  | XXXXX | $XXXXXX | $XXX | $XXX | 62.04% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926639 |  | XXXXX | $XXXXXX | $XXX | $XXX | 47.47% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | Not Eligible |
| 926455 |  | XXXXX | $XXXXXX | $XXX | $XXX | 73.77% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.9 | Eligible |
| 926643 |  | XXXXX | $XXXXXX | $XXX | $XXX | 45.83% | XX/XX/XXXX | $XXX | Form 1025 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | -4.86% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 926348 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926465 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 926652 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | Not Eligible |
| 926289 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | XXX | XX/XX/XXXX | $XXX | $XXX | 91 | 0.22% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 926637 |  | XXXXX | $XXXXXX | $XXX | $XXX | 57.5% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | Eligible |
| 926277 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926672 |  | XXXXX | $XXXXXX | $XXX | $XXX | 85% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |
| 926276 |  | XXXXX | $XXXXXX | $XXX | $XXX | 85% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | XXX | XX/XX/XXXX | $XXX | $XXX | 92 | -1.76% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926359 |  | XXXXX | $XXXXXX | $XXX | $XXX | 60% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  | XXX | XX/XX/XXXX | $XXX | $XXX | 88 | -29.68% | XX/XX/XXXX | $XXX | $XXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | Not Eligible |
| 926323 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926662 |  | XXXXX | $XXXXXX | $XXX | $XXX | 30.56% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |
| 926262 |  | XXXXX | $XXXXXX | $XXX | $XXX | 69.91% | XX/XX/XXXX | $XXX | Form 1025 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 926667 |  | XXXXX | $XXXXXX | $XXX | $XXX | 38.83% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926447 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Eligible |
| 926332 |  | XXXXX | $XXXXXX | $XXX | $XXX | 60% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 926331 |  | XXXXX | $XXXXXX | $XXX | $XXX | 60% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | Not Eligible |
| 926603 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | Not Eligible |
| 926304 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | -1.28% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |
| 926325 |  | XXXXX | $XXXXXX | $XXX | $XXX | 50% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Eligible |
| 926445 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926317 |  | XXXXX | $XXXXXX | $XXX | $XXX | 57.76% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926551 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | Not Eligible |
| 926321 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | Eligible |
| 926488 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | Not Eligible |
| 926417 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80.01% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | Not Eligible |
| 926605 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | Eligible |
| 926477 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926418 |  | XXXXX | $XXXXXX | $XXX | $XXX | 85% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | Not Eligible |
| 926327 |  | XXXXX | $XXXXXX | $XXX | $XXX | 23.62% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926631 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | Form 1025 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 926537 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 926512 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | Form 1025 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 926669 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | Form 1025 |  |  |  | XXX | XX/XX/XXXX | $XXX | $XXX | 88 | 5.41% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 926548 |  | XXXXX | $XXXXXX | $XXX | $XXX | 74.98% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | Eligible |
| 926507 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 926489 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 926526 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |
| 926336 |  | XXXXX | $XXXXXX | $XXX | $XXX | 79.97% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | -1.46% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.9 | Not Eligible |
| 926645 |  | XXXXX | $XXXXXX | $XXX | $XXX | 57.49% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Eligible |
| 926282 |  | XXXXX | $XXXXXX | $XXX | $XXX | 85% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | Eligible |

---

## Exhibit 99.10

[HOMES 2023-NQM2 ABS-15G](home-abs15g_031723.htm)

**EXHIBIT 99.10**

---

| | | | |
|:---|:---|:---|:---|
| **Loan Number** | **Pool ID** | **Alternate Loan Number** | **Original Balance** |
| 926450 |  | XXXXX | $XXXXXX C A B |
| 926590 |  | XXXXX | $XXXXXX A C B |
| 926587 |  | XXXXX | $XXXXXX A |
| 926419 |  | XXXXX | $XXXXXX A C B |
| 926484 |  | XXXXX | $XXXXXX A |
| 926440 |  | XXXXX | $XXXXXX C A |
| 926382 |  | XXXXX | $XXXXXX A |
| 926370 |  | XXXXX | $XXXXXX A |
| 926302 |  | XXXXX | $XXXXXX C A B |
| 926549 |  | XXXXX | $XXXXXX A |
| 926608 |  | XXXXX | $XXXXXX A |
| 926543 |  | XXXXX | $XXXXXX C A D B |
| 926326 |  | XXXXX | $XXXXXX C A B |
| 926386 |  | XXXXX | $XXXXXX A C B |
| 926524 |  | XXXXX | $XXXXXX D C A |
| 926565 |  | XXXXX | $XXXXXX C A B |
| 926444 |  | XXXXX | $XXXXXX A |
| 926387 |  | XXXXX | $XXXXXX A D C B |
| 926527 |  | XXXXX | $XXXXXX A |
| 926649 |  | XXXXX | $XXXXXX A C B |
| 926390 |  | XXXXX | $XXXXXX A D |
| 926392 |  | XXXXX | $XXXXXX A C B |
| 926432 |  | XXXXX | $XXXXXX D C A B |
| 926616 |  | XXXXX | $XXXXXX A |
| 926633 |  | XXXXX | $XXXXXX A C B |
| 926547 |  | XXXXX | $XXXXXX C A D |
| 926563 |  | XXXXX | $XXXXXX A |
| 926258 |  | XXXXX | $XXXXXX A |
| 926394 |  | XXXXX | $XXXXXX A |
| 926634 |  | XXXXX | $XXXXXX A |
| 926397 |  | XXXXX | $XXXXXX A |
| 926251 |  | XXXXX | $XXXXXX A |
| 926585 |  | XXXXX | $XXXXXX A |
| 926403 |  | XXXXX | $XXXXXX C A |
| 926405 |  | XXXXX | $XXXXXX A |
| 926406 |  | XXXXX | $XXXXXX A |
| 926640 |  | XXXXX | $XXXXXX C A B |
| 926285 |  | XXXXX | $XXXXXX A C B |
| 926408 |  | XXXXX | $XXXXXX A C B |
| 926365 |  | XXXXX | $XXXXXX C A B |
| 926324 |  | XXXXX | $XXXXXX A |
| 926343 |  | XXXXX | $XXXXXX D C A B |
| 926281 |  | XXXXX | $XXXXXX A |
| 926309 |  | XXXXX | $XXXXXX D C A B |
| 926413 |  | XXXXX | $XXXXXX A |
| 926320 |  | XXXXX | $XXXXXX A C B |
| 926367 |  | XXXXX | $XXXXXX A |
| 926415 |  | XXXXX | $XXXXXX C D B A |
| 926429 |  | XXXXX | $XXXXXX A C B |
| 926657 |  | XXXXX | $XXXXXX C A |
| 926658 |  | XXXXX | $XXXXXX D C A B |
| 926299 |  | XXXXX | $XXXXXX A C B |
| 926660 |  | XXXXX | $XXXXXX A C B |
| 926259 |  | XXXXX | $XXXXXX A |
| 926355 |  | XXXXX | $XXXXXX A C B |
| 926664 |  | XXXXX | $XXXXXX A |
| 926663 |  | XXXXX | $XXXXXX A |
| 926261 |  | XXXXX | $XXXXXX C A B |
| 926255 |  | XXXXX | $XXXXXX A |
| 926256 |  | XXXXX | $XXXXXX A |
| 926430 |  | XXXXX | $XXXXXX A C |
| 926344 |  | XXXXX | $XXXXXX A C B |
| 926305 |  | XXXXX | $XXXXXX A |
| 926295 |  | XXXXX | $XXXXXX A |
| 926447 |  | XXXXX | $XXXXXX A C B |
| 926332 |  | XXXXX | $XXXXXX A |
| 926331 |  | XXXXX | $XXXXXX A D |
| 926603 |  | XXXXX | $XXXXXX C A |
| 926304 |  | XXXXX | $XXXXXX C A B |
| 926325 |  | XXXXX | $XXXXXX A C B |
| 926445 |  | XXXXX | $XXXXXX A C B |
| 926317 |  | XXXXX | $XXXXXX C A B |
| 926551 |  | XXXXX | $XXXXXX C D B A |
| 926321 |  | XXXXX | $XXXXXX C A B |
| 926489 |  | XXXXX | $XXXXXX A |
| 926488 |  | XXXXX | $XXXXXX A D |
| 926417 |  | XXXXX | $XXXXXX C A B |
| 926605 |  | XXXXX | $XXXXXX C A B |
| 926477 |  | XXXXX | $XXXXXX D C A |
| 926418 |  | XXXXX | $XXXXXX C A B |
| 926327 |  | XXXXX | $XXXXXX C A B |
| 926539 |  | XXXXX | $XXXXXX C A B |
| 926443 |  | XXXXX | $XXXXXX D C A B |
| 926296 |  | XXXXX | $XXXXXX D C A |
| 926473 |  | XXXXX | $XXXXXX D C A B |
| 926550 |  | XXXXX | $XXXXXX A C |
| 926532 |  | XXXXX | $XXXXXX D C A |
| 926592 |  | XXXXX | $XXXXXX A C B |
| 926353 |  | XXXXX | $XXXXXX A C B |
| 926619 |  | XXXXX | $XXXXXX A |
| 926516 |  | XXXXX | $XXXXXX C A B |
| 926274 |  | XXXXX | $XXXXXX A C B |
| 926552 |  | XXXXX | $XXXXXX A C B |
| 926442 |  | XXXXX | $XXXXXX A C D B |
| 926631 |  | XXXXX | $XXXXXX C D A B |
| 926568 |  | XXXXX | $XXXXXX A D |
| 926609 |  | XXXXX | $XXXXXX A |
| 926595 |  | XXXXX | $XXXXXX A |
| 926437 |  | XXXXX | $XXXXXX C A B |
| 926589 |  | XXXXX | $XXXXXX A C D B |
| 926467 |  | XXXXX | $XXXXXX C A |
| 926644 |  | XXXXX | $XXXXXX A C D B |
| 926531 |  | XXXXX | $XXXXXX C A B |
| 926459 |  | XXXXX | $XXXXXX A C B |
| 926624 |  | XXXXX | $XXXXXX C A B |
| 926314 |  | XXXXX | $XXXXXX C A B |
| 926548 |  | XXXXX | $XXXXXX A |
| 926586 |  | XXXXX | $XXXXXX A |
| 926629 |  | XXXXX | $XXXXXX D C A |
| 926441 |  | XXXXX | $XXXXXX A C B |
| 926572 |  | XXXXX | $XXXXXX A |
| 926558 |  | XXXXX | $XXXXXX A D |
| 926560 |  | XXXXX | $XXXXXX C A B |
| 926566 |  | XXXXX | $XXXXXX A D |
| 926520 |  | XXXXX | $XXXXXX C A D B |
| 926507 |  | XXXXX | $XXXXXX A |
| 926635 |  | XXXXX | $XXXXXX C A B |
| 926396 |  | XXXXX | $XXXXXX D C A B |
| 926345 |  | XXXXX | $XXXXXX A D |
| 926463 |  | XXXXX | $XXXXXX C A B |
| 926506 |  | XXXXX | $XXXXXX C A B |
| 926466 |  | XXXXX | $XXXXXX A |
| 926425 |  | XXXXX | $XXXXXX A C |
| 753039 |  | XXXXX | $XXXXXX A |
| 926358 |  | XXXXX | $XXXXXX C A D B |
| 926650 |  | XXXXX | $XXXXXX D C A |
| 926310 |  | XXXXX | $XXXXXX C A B |
| 926404 |  | XXXXX | $XXXXXX A C B |
| 926638 |  | XXXXX | $XXXXXX D C A |
| 926639 |  | XXXXX | $XXXXXX D C A |
| 926455 |  | XXXXX | $XXXXXX C A B |
| 926643 |  | XXXXX | $XXXXXX A D |
| 926348 |  | XXXXX | $XXXXXX A C B |
| 926465 |  | XXXXX | $XXXXXX A C B |
| 926652 |  | XXXXX | $XXXXXX C A |
| 926289 |  | XXXXX | $XXXXXX A |
| 926637 |  | XXXXX | $XXXXXX C A |
| 926277 |  | XXXXX | $XXXXXX A |
| 926672 |  | XXXXX | $XXXXXX C A B |
| 926276 |  | XXXXX | $XXXXXX C A B |
| 926359 |  | XXXXX | $XXXXXX A C |
| 926323 |  | XXXXX | $XXXXXX C A |
| 926662 |  | XXXXX | $XXXXXX A |
| 926262 |  | XXXXX | $XXXXXX A D |
| 926667 |  | XXXXX | $XXXXXX A |
| 926537 |  | XXXXX | $XXXXXX D C A |
| 926669 |  | XXXXX | $XXXXXX A |
| 926512 |  | XXXXX | $XXXXXX A |
| 926282 |  | XXXXX | $XXXXXX C A B |
| 926526 |  | XXXXX | $XXXXXX C A |
| 926336 |  | XXXXX | $XXXXXX D C A B |
| 926645 |  | XXXXX | $XXXXXX C A B |

---

## Exhibit 99.11

[HOMES 2023-NQM2 ABS-15G](home-abs15g_031723.htm)

**EXHIBIT 99.11**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Account Number** | **Field ID** | **Original Field Value** | **Audit Value** | **Match** |
| 926370 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926302 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926608 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926543 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926386 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926649 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926390 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926392 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926432 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926616 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926633 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926394 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926634 | Number_Units | XXX | XXX | FALSE |
| 926634 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926397 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926251 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926403 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926406 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926365 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926281 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926309 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926413 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926415 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926259 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926261 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926430 | Property_Type | 1 Unit | PUD (Only for use with Single Family Detached Homes with PUD riders) | FALSE |
| 926317 | Property_Type | PUD | 1 Family Attached | FALSE |
| 926317 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926321 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926539 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926473 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926592 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926619 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926516 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926274 | Property_Type | 1 Unit | PUD (Only for use with Single Family Detached Homes with PUD riders) | FALSE |
| 926274 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926552 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926568 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926589 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926467 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926531 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926459 | Property_Type | 1 Unit | PUD (Only for use with Single Family Detached Homes with PUD riders) | FALSE |
| 926459 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926624 | Property_Type | 1 Unit | PUD (Only for use with Single Family Detached Homes with PUD riders) | FALSE |
| 926624 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926314 | Original_CLTV | XXX | XXX | FALSE |
| 926441 | Property_County | XXX | XXX | FALSE |
| 926572 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926560 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926566 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926520 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926507 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926310 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926638 | Original_CLTV | XXX | XXX | FALSE |
| 926638 | Original_LTV | XXX | XXX | FALSE |
| 926643 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926289 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926637 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926672 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926359 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926537 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 926669 | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 926512 | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |

---

## Exhibit 99.12

[HOMES 2023-NQM2 ABS-15G](home-abs15g_031723.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 %** |
| 926282 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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% |  |
| 926447 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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% |  |
| 926332 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX | XXXXX |  | XXXXX |  |  |  |  |  |  | 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 | 3 | DSCR |  | No |  |  | Present | XXX |  |  |  | XXX |  |  |  | XXX | XX/XX/XXXX | XXX | XX/X/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 |  |  |
| 926331 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX | XXXXX |  | XXXXX |  |  |  |  |  |  | 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 | 2 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/X/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 |  |  |
| 926603 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  | XXX | XXX | 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 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/X/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% |
| 926304 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/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 |  |  |
| 926325 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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% |  |
| 926450 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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 |  |  |
| 926445 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/X/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% |  |
| 926317 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX | XXXXX |  | XXXXX |  |  |  |  |  |  | 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 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/X/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% |  |
| 926590 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX | XXXXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | 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/X/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% |
| 926551 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  | 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 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/X/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% |  |
| 926321 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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 | 3 | BANK STATEMENT |  | No |  |  | Present | XXX |  |  |  | XXX |  |  |  | XXX | XX/XX/XXXX | XXX | XX/X/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% |  |
| 926587 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  |  | Present | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 |  | XXX | XX/XX/XXXX | XXX | XX/X/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 |  |  |
| 926489 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Not Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/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 |  |  |
| 926488 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 |  | 0 | 0 | 3 | DSCR |  | No |  |  | Present | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 |  | XXX | XX/XX/XXXX | XXX | XX/X/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 |  |  |
| 926417 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/X/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% |  |
| 926605 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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 |  |  |
| 926419 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | 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 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/X/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% |  |
| 926477 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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% |  |
| 926418 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | FULL | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 2 |  |  |  | 0 | 2 |  | 2 | 0 | 3 | FULL |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/X/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 |  |  |
| 926327 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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% |  |
| 926484 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/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 |  |  |
| 926539 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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% |  |
| 926443 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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% |  |
| 926440 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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 | ALT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/X/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% |  |
| 926382 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/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 |  |  |
| 926370 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | XXX | XXXXX |  | XXXXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  | 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 | 3 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/X/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 |  |  |
| 926296 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/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 | Yes | XXX |  |  |  |  |  |  |  | XXX | Yes |  |  |
| 926473 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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% |  |
| 926550 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX | XXXXX |  | XXXXX |  |  |  |  |  |  | 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 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/X/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 |  |  |
| 926532 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  | XXX | XXX | 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/X/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% |
| 926592 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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% |  |
| 926302 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX | XXXXX |  | XXXXX |  |  |  |  |  |  | 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/X/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% |  |
| 926549 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/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 |  |  |
| 926353 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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% |  |
| 926619 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/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 |  |  |
| 926516 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 1 | 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 |  |  |
| 926274 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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 |  |  |
| 926552 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX | XXXXX |  | XXXXX | XXXXX |  | XXXXX |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No |  | 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/X/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 | XXX | XXX | 4 | Not Applicable | 1 | 1 | XXX | Yes |  |  |
| 926442 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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 |  |  |
| 926631 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | FULL | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 1 |  |  |  | 0 | 2 | 0 | 1 | 0 | 3 | FULL |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/X/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 |  |  |
| 926608 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/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 |  |  |
| 926568 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/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 |  |  |
| 926609 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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% |  |
| 926543 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX | XXXXX |  | XXXXX |  |  |  |  |  |  | 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 | 3 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/X/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 |  |  |
| 926326 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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% |  |
| 926595 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/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 |  |  |
| 926386 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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% |  |
| 926524 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/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 |  |  |
| 926565 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/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 |  |  |
| 926437 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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 | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 |  | XXX | XX/XX/XXXX | XXX | XX/X/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% |  |
| 926444 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 926589 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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% |  |
| 926387 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/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 |  |  |
| 926527 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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 |  |  |
| 926467 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  | 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/X/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 |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 926644 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | FULL | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 2 |  |  |  | 0 | 2 |  | 2 | 0 | 3 | FULL |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/X/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 | Present | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 926531 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/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 |  |  |
| 926649 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | NIVA | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX | XXXXX |  | XXXXX |  |  |  |  |  |  | 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 | 3 | NIVA |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/X/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 |  |  |
| 926390 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | XXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  | 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 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/X/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 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 |  |  |  | Yes | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 926526 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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 |  |  |
| 926459 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/X/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 |  |  |
| 926624 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | Yes | 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/X/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% |  |
| 926314 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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 |  |  |
| 926392 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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% |  |
| 926432 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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 |  |  |
| 926616 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX | XXXXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | 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/X/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% |
| 926548 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/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 |  |  |
| 926586 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/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 |  |  |
| 926633 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX | XXXXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | 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 | BANK STATEMENT |  | No |  |  | Present | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 |  | XXX | XX/XX/XXXX | XXX | XX/X/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 |  |  |
| 926547 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 0 | 1 | 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 |  |  |
| 926563 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/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 |  |  |
| 926258 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 1 | 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 |  |  |
| 926629 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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% |  |
| 926441 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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 |  |  |
| 926572 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  | XXX | XXX | 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/X/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 |  |  |
| 926558 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  | 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 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/X/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 |  |  |
| 926394 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/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 |  |  |
| 926336 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX | XXXXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | 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/X/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% |
| 926560 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | Yes |  |  |  | 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 |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/X/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% |  |
| 926566 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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% |  |
| 926520 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | FULL | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  | XXX | XXX | 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 |  |  |  |  | 1 |  |  |  | 12 | 2 | 2 | 1 | 1 | 0 | FULL |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/X/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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 926634 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/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 |  |  |
| 926507 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/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 |  |  |
| 926635 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/X/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% |  |
| 926396 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX | XXXXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | 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/X/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% |
| 926345 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 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 |  |  |
| 926397 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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 |  |  |
| 926463 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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% |  |
| 926506 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/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 |  |  |
| 926251 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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% |  |
| 926466 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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 |  |  |
| 926585 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/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 |  |  |
| 926425 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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% |  |
| 753039 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 926358 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/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 |  |  |
| 926650 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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% |  |
| 926403 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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% |  |
| 926310 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 926404 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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% |  |
| 926638 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/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 |  |  |
| 926639 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 40 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/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 |  |  |
| 926405 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX | XXXXX |  | XXXXX |  |  |  |  |  |  | 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 | 3 | DSCR |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/X/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 |  |  |
| 926406 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX | XXXXX |  | XXXXX |  |  |  |  |  |  | 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 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/X/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% |  |
| 926640 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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 | BANK STATEMENT |  | No |  |  | Present |  | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 |  | XXX | XX/XX/XXXX | XXX | XX/X/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 |  |  |
| 926285 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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% |  |
| 926408 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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 | 3 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/X/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 | 4.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 926365 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 3 | 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 |  |  |
| 926455 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  | XXXXX |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No | No | No |  | XXX | 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/X/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 | 4 | Retired/SSI | 1 | 1 | XXX | No |  |  |
| 926643 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/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 |  |  |
| 926348 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/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 |  |  |
| 926324 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  | XXX | XXX | 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 | 24 | Business | 1.00 |  | 0 |  | 24 |  | 0 | 0 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/X/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 |  |  |
| 926343 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  | XXX | XXX | 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/X/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 |  |  |
| 926465 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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 | BANK STATEMENT |  | No |  |  | Present | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 |  | XXX | XX/XX/XXXX | XXX | XX/X/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% |  |
| 926645 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX | XXXXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | 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 | 2 | 0 | 0 | 0 | ALT |  | No |  |  | Present | XXX |  |  |  | XXX |  |  |  | XXX | XX/XX/XXXX | XXX | XX/X/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% |  |
| 926281 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX | XXXXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | 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/X/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 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 50% | 50% |
| 926652 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  | 0 |  |  |  | 0 | 0 |  | 0 | 0 | 3 | DSCR |  | No |  |  | Present | XXX |  |  |  | XXX |  |  |  | XXX | XX/XX/XXXX | XXX | XX/X/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 |  |  |  | Yes | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 926289 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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% |  |
| 926637 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/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 |  |  |
| 926277 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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% |  |
| 926672 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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% |  |
| 926309 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX | XXXXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | 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/X/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 |  |  |
| 926276 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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 |  |  |
| 926413 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | XXX | XXXXX |  | XXXXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  | XXX | XXX | 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/X/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 |  |  |
| 926320 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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 | 0 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/X/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 |  |  |
| 926359 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX | XXXXX |  | XXXXX |  |  |  |  |  |  | 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 | DSCR |  | No |  |  | Present | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 |  | XXX | XX/XX/XXXX | XXX | XX/X/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 |  |  |
| 926367 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/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 |  |  |
| 926415 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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% |  |
| 926429 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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 | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 |  | XXX | XX/XX/XXXX | XXX | XX/X/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% |  |
| 926323 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/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 |  |  |
| 926657 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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% |  |
| 926658 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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% |  |
| 926299 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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 |  |  |
| 926660 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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 |  |  |
| 926259 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX | XXXXX |  | XXXXX |  |  |  |  |  |  | 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 | 3 | DSCR |  | No |  |  | Present | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 |  | XXX | XX/XX/XXXX | XXX | XX/X/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 |  |  |
| 926355 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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% |  |
| 926662 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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 |  |  |
| 926664 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/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 |  |  |
| 926663 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 1 | 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 |  |  |
| 926262 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  | XXX | XXX | XXX | XXX | 1 | 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 |  |  |
| 926667 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/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 |  |  |
| 926261 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/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 |  |  |
| 926255 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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% |  |
| 926537 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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% |  |
| 926256 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/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 | Lesser of Percentage or Dollar Amount | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | No | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 926669 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/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 |  |  |
| 926512 | XXXXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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/X/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 |  |  |
| 926430 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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 | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 926344 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 40 Year Fixed IO |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No |  |  |
| 926305 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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/X/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 | 4.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 100% |  |
| 926295 | XXXXX |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | 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 | 2 | BANK STATEMENT |  | No |  |  | No |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/X/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 |  |  |

---

## Exhibit 99.13

[HOMES 2023-NQM2 ABS-15G](home-abs15g_031723.htm)

**EXHIBIT 99.13**

![](ex9913001.jpg)

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**TABLE OF CONTENTS**

---

| | |
|:---|:---|
| Infinity Biography | 2.0 |
| Description of the due diligence performed | 3.0 |
| Summary of findings and conclusions of review | 14.0 |
| Tape Integrity Review Results Summary | 15.0 |
| Additional Loan Population Summary | 15.0 |

---

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**INFINITY BIOGRAPHY**

Infinity IPS, Inc. is a privately held firm offering trusted financial products and services to capital markets participants. Founded in 2003, by a group of experienced mortgage due diligence executives, Infinity was started with a simple mission: To provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service. As a third-party reviewer, our independence, integrity, depth of expertise, and approach to due diligence and credit risk management provides clients the highest degree of hands-on oversight and participation when buying or selling pools, securitizing loans, or managing loans and securitizations over time.

Our rigorous, high touch approach to due diligence reviews provides all data necessary in the provision of an asset due diligence, risk retention, loss mitigation and forensic analysis services for all classes or mortgage products, consumer lending products, and more. Our mission is to provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service.

As a rating agency reviewed third-party due diligence provider, Infinity prides itself on meeting the standards of S&P, Fitch, Kroll, Moody's and DBRS Morningstar. Infinity is a privately-owned business and is headquartered in Rockville, MD with an underwriting facility in Tampa, FL.

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**Description of the due diligence performed**

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

Infinity IPS, Inc. ("Infinity") performed due diligence services as described below (the "Review"). All of these mortgage loans, which were originated by multiple parties, were purchased by 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 eleven (11) 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:

&nbsp;&nbsp;&nbsp;&nbsp;■ "Compliance Review": 5 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;■ "Credit Review": 11 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;■ "Property Review" 11 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;■ "Data Integrity" 11 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 eleven (11) 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 eleven (11) mortgage loans. At that time, Infinity reviewed the asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to Infinity and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

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There were 4 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 five (5) 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 eleven (11) mortgage loans. For these eleven (11) 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 five (5) mortgage loans. Please be advised that Infinity did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Infinity are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Infinity is relying in reaching such findings.

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements.

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

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

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

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

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

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

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

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

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

&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

&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.

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

**(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<br>

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 (11 Mortgage Loans)**

Infinity's review to NRSRO grading requirements covers eleven (11) mortgage loans. Within those mortgage loans, Infinity graded ten (10) mortgage loans as "A" and one (1) mortgage loan as "B".

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Fitch Grade** | **#** | **#** | **#** | **#** |
| **Fitch Grade** | **Compliance** | **Credit** | **Property** | **Overall** |
| A | 5 | 10 | 11 | 10 |
| B | 0 | 1 | 0 | 1 |
| C | 0 | 0 | 0 | 0 |
| D | 0 | 0 | 0 | 0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Fitch Grade** | **#** | **#** | **#** | **#** |
| **Fitch Grade** | **Compliance** | **Credit** | **Property** | **Overall** |
| A | 100.00% | 90.91% | 100.00% | 90.91% |
| B | 0.00% | 9.09% | 0.00% | 9.09% |
| 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 | 5 | 10 | 11 | 10 |
| B | 0 | 1 | 0 | 1 |
| C | 0 | 0 | 0 | 0 |
| D | 0 | 0 | 0 | 0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **DBRS Grade** | **#** | **#** | **#** | **#** |
| **DBRS Grade** | **Compliance** | **Credit** | **Property** | **Overall** |
| A | 100.00% | 90.91% | 100.00% | 90.91% |
| B | 0.00% | 9.09% | 0.00% | 9.09% |
| 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 (11 Mortgage Loans)**

Of the eleven (11) mortgage loans reviewed, 2 (18.18%) mortgage loans had tape discrepancies across two (2) 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;11 | &nbsp;&nbsp;9.09% |
| &nbsp;&nbsp;Borrower DTI Ratio Percent | &nbsp;&nbsp;1 | &nbsp;&nbsp;11 | &nbsp;&nbsp;9.09% |

---

**ADDITIONAL LOAN POPULATION SUMMARY (11 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;11 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$6923170.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**11** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$6923170.00** | &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;11 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$6923170.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**11** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$6923170.00** | &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;5 | &nbsp;&nbsp;45.45% | &nbsp;&nbsp;$2297250.00 | &nbsp;&nbsp;33.18% |
| &nbsp;&nbsp;Other than first time Home Purchase | &nbsp;&nbsp;6 | &nbsp;&nbsp;54.55% | &nbsp;&nbsp;$4625920.00 | &nbsp;&nbsp;66.82% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**11** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$6923170.00** | &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;1 | &nbsp;&nbsp;9.09% | &nbsp;&nbsp;$251250.00 | &nbsp;&nbsp;3.63% |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;10 | &nbsp;&nbsp;90.91% | &nbsp;&nbsp;$6671920.00 | &nbsp;&nbsp;96.37% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**11** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$6923170.00** | &nbsp;&nbsp;**100.00%** |

---

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;5 | &nbsp;&nbsp;45.45% | &nbsp;&nbsp;$4944920.00 | &nbsp;&nbsp;71.43% |
| &nbsp;&nbsp;Investor | &nbsp;&nbsp;6 | &nbsp;&nbsp;54.55% | &nbsp;&nbsp;$1978250.00 | &nbsp;&nbsp;28.57% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**11** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$6923170.00** | &nbsp;&nbsp;**100.00%** |

---

**Exhibit A**

---

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

---

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## Exhibit 99.14

[HOMES 2023-NQM2 ABS-15G](home-abs15g_031723.htm)

**EXHIBIT 99.14**

**Tape Discrepancies**

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Scienna Id** | **Loan #1** | **Dummy ID** | **Loan #2** | **Field** | **Loan Value** | **Tape Value** | **Variance** | **Variance %** | **Comment** | **Tape Source** | **Tape Type** |
| OQDRRFDWIAR | xx | 926480 |  | B1 Credit Score | 660 | 655 | 5 | 0.76335% | The credit report dated 7/5/2022 reflects B1 Credit Score as 660. | Initial |  |
| WXPXXKSJXSN | xx | 926613 |  | Borrower DTI Ratio Percent | Unavailable | 10269.49% |  |  | Loan is qualified with the DSCR program. | Initial |  |

---

## Exhibit 99.15

[HOMES 2023-NQM2 ABS-15G](home-abs15g_031723.htm)

**EXHIBIT 99.15**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Scienna ID** | **Loan Number 1** | **Dummy ID** | **Loan Number 2** | **Borrower Last Name** | **Property State** | **Note Date** | **Loan Purpose** | **TPR QM ATR Status** | **Initial Overall Loan Grade** | **Final Overall Loan Grade** | **Exception Category** | **Exception Subcategory** | **Exception Code** | **Final Exception Status** | **Initial Exception Grade** | **Final Exception Grade** | **Exception** | **Exception Detail** | **Follow-up Comments (Exception Response)** | **Exception Conclusion Comments** | **Compensating Factors** | **Curable Status** | **Loan Status** | **Review Date** | **Cleared Date** | **Cured Date** | **Exception Date** |
| GJAJIJA1255 | xx | 926618 |  | xx | North Carolina | xx | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | GJAJIJA1255-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>This loan failed the NC rate spread home loan test. The loan is a rate spread home loan, as defined in the legislation. For more information please see the North Carolina Rate Spread Home Loan Article section of the full ComplianceAnalyzer report. While the North Carolina Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to<br> 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.<br>Higher-Priced Mortgage Loan Test FAIL: Charged 7.132% Allowed 6.680% Over by +0.452%<br>"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)." | "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)." | "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 | 07/07/2022 | 08/02/2022 | 08/02/2022 | 07/07/2022 |
| GJAJIJA1255 | xx | 926618 |  | xx | North Carolina | xx | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | GJAJIJA1255-ZDECX0IO | Resolved | 3 | R | \* Homeownership Counselling Disclosure is missing. (Lvl R) | Loan file is missing Homeownership Counseling disclosure. Require Homeownership Counseling disclosure.<br>Received Homeownership counseling disclosure. | Received Homeownership counseling disclosure. | Received Homeownership counseling disclosure. |  |  | QC Complete | 07/07/2022 | 07/14/2022 | 07/14/2022 | 07/07/2022 |
| GJAJIJA1255 | xx | 926618 |  | xx | North Carolina | xx | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Assets | GJAJIJA1255-8REF7GRZ | Resolved | 3 | R | \* Assets Verification (Lvl R) | Borrower is bringing in net proceeds from sale of REO to suffice closing and reserve requirement. Missing final HUD/settlement statement and/or bank deposit trail for nett proceeds.<br>Received final HUD for property located at xx with net proceeds of xx | Received final HUD for property located at xx with net proceeds of xx | Received final HUD for property located at xx with net proceeds of xx |  |  | QC Complete | 07/07/2022 | 07/14/2022 | 07/14/2022 | 07/07/2022 |
| 3FTSIF0ITPE | xx | 926626 |  | xx | New York | xx | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | 3FTSIF0ITPE-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Loan amount > $1.5 MM, require 2nd full appraisal to support original stated value.<br>Resolved 12/09/2022: A 2nd appraisal was provided in the file. | Resolved 12/09/2022: A 2nd appraisal was provided in the file. | Resolved 12/09/2022: A 2nd appraisal was provided in the file. |  |  | QC Complete | 12/09/2022 | 12/09/2022 | 12/09/2022 | 12/09/2022 |
| OQDRRFDWIAR | xx | 926480 |  | xx | Pennsylvania | xx | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | OQDRRFDWIAR-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 9.349% Allowed 6.810% Over by +2.539%<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 |
| OQDRRFDWIAR | xx | 926480 |  | xx | Pennsylvania | xx | Cash Out | Non-QM/Compliant | 4 | 1 | Credit | Guidelines | OQDRRFDWIAR-J587LE2V | Resolved | 4 | R | \* Loan does not conform to program guidelines (Lvl R) | Loan file does not meet guide requirement. Guide restricts no Collections/Charge offs/Judgments in last 24 months. Credit report reflects multiple collection/charge-off account.<br>Portfolio RC - #xx - Collection account reported 06/22<br> Portfolio RC - #xx- Collection account reported 06/22<br>Received mail confirmation on the reporting date for each of the above collection account and is not within the last 24 months | Received mail confirmation on the reporting date for each of the above collection account and is not within the last 24 months | Received mail confirmation on the reporting date for each of the above collection account and is not within the last 24 months |  |  | QC Complete | 12/07/2022 | 12/07/2022 | 12/07/2022 | 07/22/2022 |
| S1R53PI2UIA | xx | 926490 |  | xx | California | xx | Purchase | Not Covered/Exempt | 4 | 2 | Credit | Guidelines | S1R53PI2UIA-J587LE2V | Waived | 4 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan file does not meet guide requirement. Guide restricts minimum gross living area at 1000 sq ft. Subject gross living area is at xx sq ft.<br>Exception approval with compensating factor<br>High Credit Score - 746<br> High Asset Reserves - 15.06 months |  |  | High Credit Score - 746<br>High Asset Reserves - 15.06 months |  | QC Complete | 07/26/2022 |  |  | 07/26/2022 |

---

## Exhibit 99.16

[HOMES 2023-NQM2 ABS-15G](home-abs15g_031723.htm)

**EXHIBIT 99.16**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Scienna ID** | **Loan Number** | **Dummy ID** | **Seller Loan Number** | **Borrower Name** | **State** | **QM/ATR Status** | **Initial Overall Loan Grade** | **Final Overall Grade** | **Final Credit Grade** | **Final Property Grade** | **Final Compliance Grade** | **Material (level 3) TRID exception?** | **Material (level 3) Non-TRID exception?** | **Active Material Exceptions** | **Active Non Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **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** |
| GJAJIJA1255 | xx | 926618 |  | xx | North Carolina | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Homeownership Counselling Disclosure is missing. - EV R<br> COMMENT: Loan file is missing Homeownership Counseling disclosure. Require Homeownership Counseling disclosure.<br>Received Homeownership counseling disclosure.<br>\*\*\* (CURED) Assets Verification - EV R<br> COMMENT: Borrower is bringing in net proceeds from sale of REO to suffice closing and reserve requirement. Missing final HUD/settlement statement and/or bank deposit trail for nett proceeds.<br>Received final HUD for property located at xx with net proceeds of xx<br>\*\*\* (CURED) Higher Price Mortgage Loan - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>This loan failed the NC rate spread home loan test. The loan is a rate spread home loan, as defined in the legislation. For more information please see the North Carolina Rate Spread Home Loan Article section of the full ComplianceAnalyzer report. While the North Carolina Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to<br> 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.<br>Higher-Priced Mortgage Loan Test FAIL: Charged 7.132% Allowed 6.680% Over by +0.452%<br>"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)." |  |  | Single Family | xx | xx | xx | Primary | Purchase | 751 |  | xx | 6.42 | $10956.81 | 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 |  | 38.719% | No | Alternative | QC Complete | 07/07/2022 |
| 3FTSIF0ITPE | xx | 926626 |  | xx | New York | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Loan amount > $1.5 MM, require 2nd full appraisal to support original stated value.<br>Resolved 12/09/2022: A 2nd appraisal was provided in the file. |  |  | Single Family | xx | xx | xx | Primary | Purchase | 747 |  | xx | 15 | $61993.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 26.911% | No | Alternative | QC Complete | 12/09/2022 |
| OQDRRFDWIAR | xx | 926480 |  | xx | Pennsylvania | Non-QM/Compliant | 4 | 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 Fail : Charged 9.349% Allowed 6.810% Over by +2.539%<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) Loan does not conform to program guidelines - EV R<br> COMMENT: Loan file does not meet guide requirement. Guide restricts no Collections/Charge offs/Judgments in last 24 months. Credit report reflects multiple collection/charge-off account.<br>Portfolio RC - #xx - Collection account reported 06/22<br> Portfolio RC - #xx- Collection account reported 06/22<br>Received mail confirmation on the reporting date for each of the above collection account and is not within the last 24 months |  |  | Single Family | xx | xx | xx | Primary | Cash Out | 660 | 2 | xx | 10.16 | $9581.18 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 44.562% |  | Alternative | QC Complete | 12/07/2022 |
| I44SYWA5KZM | xx | 926374 |  | xx | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | xx | xx | Investor | Purchase | 686 |  | xx | 3.66 | $1518.81 | 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 |  | 31.608% | No | Full Documentation | QC Complete | 12/07/2022 |
| BFLUFVEZFRC | xx | 926379 |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | xx | xx | xx | Investor | Purchase | 690 |  |  |  |  | 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 |
| YPL03I3JWR3 | xx | 926593 |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | xx | xx | Primary | Purchase | 756 |  | xx | 6.25 | $57468.28 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 30.215% | No | Alternative | QC Complete | 07/12/2022 |
| S1R53PI2UIA | xx | 926490 |  | 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 guide requirement. Guide restricts minimum gross living area at 1000 sq ft. Subject gross living area is at xx sq ft.<br>Exception approval with compensating factor<br>High Credit Score - 746<br> High Asset Reserves - 15.06 months | High Credit Score - 746<br>High Asset Reserves - 15.06 months | Single Family | xx | xx | xx | Investor | Purchase | 746 |  |  |  |  | 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 |
| WXPXXKSJXSN | xx | 926613 |  | xx | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | xx | xx | xx | Investor | Cash Out | 744 |  |  |  |  | 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 | 07/08/2022 |
| DRV2FNGUOVU | xx | 926449 |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Primary | Cash Out | 729 | 0.08 | xx | 20 | $55394.94 | 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 | xx | 10.745% |  | Alternative | QC Complete | 07/27/2022 |
| EJNLTND5OZP | xx | 926377 |  | 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 | 12/07/2022 |
| XWNHPA4I011 | xx | 926380 |  | 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 | 12/07/2022 |

---

## Exhibit 99.17

[HOMES 2023-NQM2 ABS-15G](home-abs15g_031723.htm)

**EXHIBIT 99.17**

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| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Scienna ID** | **Loan Number** | **Dummy ID** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **S&P INITIAL Compliance Grade** | **S&P FINAL Compliance Grade** | **S&P INITIAL Property Grade** | **S&P FINAL Property Grade** |
| 3FTSIF0ITPE | xx | 926626 | xx | New York | xx | Primary | Purchase A D CD CA | RA | RA | VA | VA |
| BFLUFVEZFRC | xx | 926379 | xx | California | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| DRV2FNGUOVU | xx | 926449 | xx | California | xx | Primary | Cash Out A CA | RA | RA | VA | VA |
| EJNLTND5OZP | xx | 926377 | xx | Michigan | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| GJAJIJA1255 | xx | 926618 | xx | North Carolina | xx | Primary | Purchase A D CD CA | RD | RA | VA | VA |
| I44SYWA5KZM | xx | 926374 | xx | Florida | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| OQDRRFDWIAR | xx | 926480 | xx | Pennsylvania | xx | Primary | Cash Out A B CC CA | RB | RA | VA | VA |
| S1R53PI2UIA | xx | 926490 | xx | California | xx | Investor | Purchase B A C CC CB | RA | RA | VA | VA |
| WXPXXKSJXSN | xx | 926613 | xx | New York | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| XWNHPA4I011 | xx | 926380 | xx | Michigan | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| YPL03I3JWR3 | xx | 926593 | xx | California | xx | Primary | Purchase A CA | RA | RA | VA | VA |

---

## Exhibit 99.18

[HOMES 2023-NQM2 ABS-15G](home-abs15g_031723.htm)

**EXHIBIT 99.18**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Scienna ID** | **Loan Number 1** | **Dummy ID** | **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** | **Guideline Name** |
| GJAJIJA1255 | xx | 926618 |  |  | 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 | 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 | TPR INV Portfolio Program Guidelines May 26 2022 |
| 3FTSIF0ITPE | xx | 926626 |  |  | 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 | Not Applicable |  | No |  | Not Applicable |  |  | Not Applicable |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | No |  |  | Employed | Employed | US Citizen | US Citizen |  |  |  | No | Not Applicable | Not Applicable | RED TPR INV BS Matrix October 1 2021.pdf |
| OQDRRFDWIAR | xx | 926480 |  |  | 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 | 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 | RED TPR INV BS Matrix October 1 2021.pdf |
| I44SYWA5KZM | xx | 926374 |  |  | No | Not Applicable |  | Full Documentation | Not Applicable | 2+ Years | 2+ Years |  | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |  | No |  | Not Applicable |  |  | Yes |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | No |  |  | Employed | Employed | US Citizen | Permanent Res Alien |  |  |  | No | Not Applicable | Not Applicable | TPR INV Portfolio Program Guidelines May 26 2022.p |
| BFLUFVEZFRC | xx | 926379 |  |  | 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 | 1.24626 | Form 216 |  | 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 | TPR INV ICF Guidelines June 20 2022.pdf |
| YPL03I3JWR3 | xx | 926593 |  |  | 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 | 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 | TPR INV BS Matrix October 1 2021.pdf |
| S1R53PI2UIA | xx | 926490 |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable |  | Unavailable |  | Not Applicable | Not Applicable | Not Applicable |  |  |  |  | Not Applicable | Unavailable |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.84693 | Form 1007 |  | 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 | TPR INV ICF Guidelines June 20 2022.pdf |
| WXPXXKSJXSN | xx | 926613 |  |  | 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 |  |  |  |  |  |  |  | Yes | 1.00966 | Form 216 |  | 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 | REDTPR INV ICF Matrix October 1 2021.pdf |
| DRV2FNGUOVU | xx | 926449 |  |  | 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 | Not Applicable |  | No |  | Not Applicable |  |  | Not Applicable |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | No |  |  | Employed | Employed | US Citizen | US Citizen |  |  |  | No | Not Applicable | Not Applicable | TPR INV Portfolio Program Guidelines May 26 2022.p |
| EJNLTND5OZP | xx | 926377 |  |  | 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 | 1.38701 | Form 1007 |  | 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 | TPR INV ICF Guidelines June 20 2022.pdf |
| XWNHPA4I011 | xx | 926380 |  |  | 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 |  |  |  |  |  |  |  | Yes | 1.20693 | Lease Agreement |  | 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 | TPR INV ICF Guidelines June 20 2022.pdf |

---

## Exhibit 99.19

[HOMES 2023-NQM2 ABS-15G](home-abs15g_031723.htm)

**EXHIBIT 99.19**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **AGENCY DATA** | **AGENCY DATA** | **AGENCY DATA** |
| **Scienna ID** | **Customer Loan #** | **Dummy ID** | **Seller Loan #** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for CLTV** | **Appraisal Date** | **Appraisal Type** | **AVM Value** | **Variance $** | **Variance %** | **AVM Company** | **AVM FSD Score** | **AVM Effective Date** | **Desk Value** | **Variance $** | **Variance %** | **Desk Company** | **Desk Report Date** | **BPO As-Is Value** | **Variance $** | **Variance %** | **BPO Company** | **BPO Inspection Date** | **FR Value** | **Variance $** | **Variance %** | **FR Company** | **FR Report Date** | **2nd Appraisal Value** | **Variance $** | **Variance %** | **2nd Appraisal Company** | **2nd Appraisal Date** | **Eligible for Rep/Warrant Relief** | **LCA Risk Score** | **CU Score** |
| GJAJIJA1255 | xx | 926618 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | xx | -1.099% | ClearCapital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.6 |
| 3FTSIF0ITPE | xx | 926626 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | ClearCapital | xx |  |  |  |  |  |  |  |  |  |  | xx | xx | 9.073% | xx R.E. Appraiser | xx | Yes | 1 | 4.3 |
| OQDRRFDWIAR | xx | 926480 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| I44SYWA5KZM | xx | 926374 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| BFLUFVEZFRC | xx | 926379 |  | xx | xx | xx | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | $0.00 | 0.000% | ClearCapital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| YPL03I3JWR3 | xx | 926593 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | ClearCapital | xx |  |  |  |  |  |  |  |  |  |  | xx | $0.00 | 0.000% | xx Appraisals | xx | No | Unavailable | 2.6 |
| S1R53PI2UIA | xx | 926490 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | xx | 0.364% | ClearCapital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 3.2 |
| WXPXXKSJXSN | xx | 926613 |  | xx | xx | Not Applicable | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | $0.00 | 0.000% | ClearCapital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| DRV2FNGUOVU | xx | 926449 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1.7 |
| EJNLTND5OZP | xx | 926377 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1.4 |
| XWNHPA4I011 | xx | 926380 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | ClearCapital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |

---

## Exhibit 99.20

[HOMES 2023-NQM2 ABS-15G](home-abs15g_031723.htm)

**EXHIBIT 99.20**

![](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 December 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 103 Non-QM loans for a total of 141 loans the "Final Securitization Population".

*<u>Credit Reviews (141):</u>*

During the Review, Selene performed a credit review on 141 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (141)</u>*

During the Review, Selene performed a compliance review on 141 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (141):</u>*

During the Review, Selene performed a property valuation review on 141 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (141):</u>*

During the Review, Selene performed a Data Integrity Review on 141 mortgage loans in the Final Securitization Population.

HOMES 2023-NQM2 Narrative

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 141 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;141 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;141 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;141 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;141 | &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>**

HomeX, CoreX, PrimeX, and Investor X Loan Program Guidelines **(collectively 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).

&nbsp;&nbsp;&nbsp;&nbsp;**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.

&nbsp;&nbsp;&nbsp;&nbsp;**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.

&nbsp;&nbsp;&nbsp;&nbsp;**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**

&nbsp;&nbsp;&nbsp;&nbsp;**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 141 mortgage loans, (ii) a Compliance Review on 141 mortgage loans (iii) a Valuation Review on 141 mortgage loans, and (iv) a Data Integrity Review on 141 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 141 mortgage loans; 112 mortgage loans had a rating grade of A, 29 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 (141 overall loans):*** | &nbsp;&nbsp;***Grades per loan (141 overall loans):*** | &nbsp;&nbsp;***Grades per loan (141 overall loans):*** | &nbsp;&nbsp;***Grades per loan (141 overall loans):*** | &nbsp;&nbsp;***Grades per loan (141 overall loans):*** | &nbsp;&nbsp;***Grades per loan (141 overall loans):*** | &nbsp;&nbsp;***Grades per loan (141 overall loans):*** | &nbsp;&nbsp;***Grades per loan (141 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;58 | &nbsp;&nbsp;58 | &nbsp;&nbsp;41.13% | &nbsp;&nbsp;A | &nbsp;&nbsp;112 | &nbsp;&nbsp;112 | &nbsp;&nbsp;79.43% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;16 | &nbsp;&nbsp;16 | &nbsp;&nbsp;11.35% | &nbsp;&nbsp;B | &nbsp;&nbsp;29 | &nbsp;&nbsp;29 | &nbsp;&nbsp;20.57% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;42 | &nbsp;&nbsp;42 | &nbsp;&nbsp;29.79% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;25 | &nbsp;&nbsp;25 | &nbsp;&nbsp;17.73% | &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 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** |
| <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;138 | &nbsp;&nbsp;138 | &nbsp;&nbsp;97.87% | &nbsp;&nbsp;A | &nbsp;&nbsp;115 | &nbsp;&nbsp;115 | &nbsp;&nbsp;81.56% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.13% | &nbsp;&nbsp;B | &nbsp;&nbsp;26 | &nbsp;&nbsp;26 | &nbsp;&nbsp;18.44% |
| &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;140 | &nbsp;&nbsp;140 | &nbsp;&nbsp;99.29% |  |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.71% |  |  |  |  |
| &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.

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

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Selene to prepare its reports pursuant to its instructions and Guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Selene are

designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene Diligence Narrative Report

2. ASF Report

3. Grading Summary

4. Exception Detail

5. Tape Discrepancies

6. Valuations Report

7. Supplemental Data

8. Third Party (TPR) Attestation Form

9. Attestation Form 15E

Page **6** of **15**

**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension Guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client.

**<u>Non-QM Scope</u>**

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. The monthly consumer debt payments for use in the debt to income and/or residual income calculation,
as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Noted the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gathered data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the Guidelines is in the file and note indications of potentially fraudulent documents. The documentation will also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable Guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank statements

Page **7** of **15**

**Asset Review**

Selene assessed whether the asset documentation required by the Guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets
was involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also performed. Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verified that the hazard insurance meets the minimum required amount of coverage in the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For condominium properties, confirmed that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirmed that the flood cert is for the correct borrower, property, lender and loan number and
is a "Life of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For properties is in a flood zone per the flood cert, confirmed that flood insurance in the file
meets the minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirmed that the mortgagee clause lists the lender's name and "its successors and
assigns"; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirmed that the premium amount on both the hazard and flood insurance match what was used in
the DTI calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information will be reported to Client. In addition, when required, Selene looked for an independent, third-party fraud report in each file and reviewed the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan did not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed
for any name variations for the borrowers and confirm that the variations have been addressed in the loan file;

Page **8** of **15**

&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed
for any social security number variations for the borrowers and confirmed that the variations have been addressed in the loan
file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed
for any potential occupancy issues based on the borrowers' address history and confirmed that any issues have been addressed
in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed
for any employment issues and confirm that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed
for any additional consumers associated with the borrowers' profiles and confirmed the materiality and material issues have
been addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed
all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A review of the completeness and accuracy of the information obtained in the mortgage origination
process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A review of closing documents to ensure that the mortgage file information is complete, accurate,
and consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene reviewed the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification that all borrowers are eligible based on the Guidelines and information in the loan
file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verification that there is appropriate documentation present to confirm that applicable documents
have been recorded or have been sent for recording.

**<u>DSCR Scope</u>**

&nbsp;&nbsp;&nbsp;&nbsp;**1.** **Loan Review Scope** 

&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Borrower Qualifications** 

Selene reviewed each loan file to determine whether it contains the following borrower documents and if they adhere to the Guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Evidence of public record search (Thomson Reuters CLEAR)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Evidence of asset location searches for additional real estate transactions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Borrowers Questionnaire is completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Schedule of RE owned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Personal Tax Returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Background Search

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Personal Financial Statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Liquidity and Net Worth Verification Documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Credit Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Review OFAC reports for any findings

Page **9** of **15**

&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Borrowing Entity Qualifications** 

Selene reviewed each loan file to determine whether it contains the following entity documents and if they adhere to the Guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Evidence of public record search (Thomson Reuters CLEAR) and applicable Sec. of State evidence
of good standing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Evidence of asset location searches

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Business Tax Returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Business Financials

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Articles of Incorporation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Bylaws/Operating agreement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Resolution to take on Debt

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Organizational Chart

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Credit Approval Memo

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Review OFAC reports for any findings

&nbsp;&nbsp;&nbsp;&nbsp;**c)** **Property Manager Entity Qualifications** 

Selene reviewed each loan file to determine that property manager entity is incorporated and operated in the United States with bank accounts located in U.S. state and federally chartered bank accounts.

&nbsp;&nbsp;&nbsp;&nbsp;**2.**  **<u>Individual Property Scope</u>** 

&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Business Purpose Loan Affidavit** 

Selene reviewed each loan file to determine whether a Business Purpose Loan is present and properly executed.

&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Lease Review** 

Selene reviewed each loan file to determine whether each property contains a valid lease and determine if it is executed in compliance with the Guidelines, including a review of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Each lease has been executed by the applicable tenant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Confirm tenant is a natural person

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm lease does not contain "lease to own" provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Verify vacancy factor

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Each lease contains the monthly rental payment, commencement and expiration dates, and term and
remaining term are in compliance with the Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm rent, vacancy and lease commencement/expiration consistent with underwritten rent roll

&nbsp;&nbsp;&nbsp;&nbsp;**c)** **Valuation Review** 

Selene reviewed the appraisal provided for each property in the loan file to ensure that the value meets the Guidelines and that the market value concluded on the appraisal is properly supported. Selene reviewed the Loan to Value ("LTV") of each loan for program eligibility, pursuant to the Guidelines. Specifically, Selene:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Confirmed the appraisal is the correct form

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed property condition and type; confirm it meets Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed that value meets the minimum/maximum per the Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Confirmed "as is" and "subject to" values

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed sales comparables and adjustments for relevance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. For multifamily properties: reviewed the appraiser's cash flow assumptions, rent comparables, cap rate selection and
value reconciliation

Page **10** of **15**

&nbsp;&nbsp;&nbsp;&nbsp;**d)** **Insurance Review** 

Selene reviewed each loan file to ensure that the property, flood, and hazard insurance policies are in compliance with the Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;**e)** **Collateral Analysis** 

Selene reviewed each loan file to determine whether it contained the following collateral documents and if they are in compliance with the Guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Executed Leases

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Rent Roll

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Rental Income Verification (proof of lease payments that demonstrate minimum 90% of scheduled gross rents for the previous
two-month period.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Operating Statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Property Management Agreement

&nbsp;&nbsp;&nbsp;&nbsp;**f)** **Financial Analysis / Cash Flow Analysis** 

Selene reviewed each loan file to determine whether it contained the following financial documents and if they are in compliance with the Guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Rent Roll:

○ Confirmed monthly rents are populated correctly at the loan level and portfolio level

○ Confirmed Rent verification – proof of lease payments

○ Confirmed vacancy is within Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Operating Statements:

○ Confirmed expenses within range, per the Guidelines

○ Confirmed taxes, insurance and HOA are populated at loan level and within range at portfolio level per the Guidelines

○ Confirmed CapEx meets Guidelines for reasonableness

○ Confirmed annual maintenance fees meet Guidelines

○ Confirmed property management fees meet program requirements for range and historical consistency

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Confirmed the DSCR meets program Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Property Management Agreement / Tri Party Agreement if no property manager

Page **11** of **15**

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the Non-QM loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

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

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

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

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

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;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;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;j) review for presence of mortgage loan originator
 organization and individual mortgage loan originator name and NMLSR ID, as applicable, on the credit application, note or mortgage
 loan contract, security instrument, Loan Estimate and Closing Disclosure; and (ii) verify the data against the NMLSR database,
 as available.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD and other applicable exceptions, confirm that the creditor cured or remediated the violations in accordance with the Structured Finance Association TRID 3.0, as may be updated from time to time.

Page **13** of **15**

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

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

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

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

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

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

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

**4.** **The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution.** 

Page **14** of **15**

**APPENDIX C – VALUATION REVIEW SCOPE**

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

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client was notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene made a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene reviewed the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

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

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

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

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

○ Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

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

## Exhibit 99.21

[HOMES 2023-NQM2 ABS-15G](home-abs15g_031723.htm)

**EXHIBIT 99.21**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 925844 |  | XXXX | XXXX A |
| 925917 |  | XXXX | XXXX C A |
| 925963 |  | XXXX | XXXX A C |
| 925999 |  | XXXX | XXXX B A |
| 925825 |  | XXXX | XXXX A |
| 925864 |  | XXXX | XXXX C A |
| 925895 |  | XXXX | XXXX A |
| 925931 |  | XXXX | XXXX A |
| 926129 |  | XXXX | XXXX A |
| 927785 |  | XXXX | XXXX A |
| 926143 |  | XXXX | XXXX A |
| 926179 |  | XXXX | XXXX C A |
| 926184 |  | XXXX | XXXX B A |
| 926191 |  | XXXX | XXXX B A |
| 926183 |  | XXXX | XXXX A |
| 926142 |  | XXXX | XXXX A |
| 926233 |  | XXXX | XXXX A C |
| 926231 |  | XXXX | XXXX A |
| 926185 |  | XXXX | XXXX A |
| 926160 |  | XXXX | XXXX A |
| 927901 |  | XXXX | XXXX A |
| 926219 |  | XXXX | XXXX A |
| 926152 |  | XXXX | XXXX A D |
| 927896 |  | XXXX | XXXX A D |
| 927819 |  | XXXX | XXXX B A |
| 926227 |  | XXXX | XXXX A |
| 926190 |  | XXXX | XXXX A |
| 926206 |  | XXXX | XXXX A |
| 926220 |  | XXXX | XXXX A |
| 927747 |  | XXXX | XXXX A C |
| 927777 |  | XXXX | XXXX C A |
| 926170 |  | XXXX | XXXX D C A B |
| 927703 |  | XXXX | XXXX A |
| 927804 |  | XXXX | XXXX A |
| 927805 |  | XXXX | XXXX C A D |
| 927708 |  | XXXX | XXXX C A |
| 927773 |  | XXXX | XXXX D C A |
| 927839 |  | XXXX | XXXX D A |
| 927802 |  | XXXX | XXXX B A |
| 927886 |  | XXXX | XXXX A |
| 928092 |  | XXXX | XXXX A |
| 927713 |  | XXXX | XXXX A D |
| 927714 |  | XXXX | XXXX A |
| 927889 |  | XXXX | XXXX A |
| 927767 |  | XXXX | XXXX A |
| 927706 |  | XXXX | XXXX B A |
| 927754 |  | XXXX | XXXX C A B |
| 927891 |  | XXXX | XXXX C A |
| 927729 |  | XXXX | XXXX C A |
| 927961 |  | XXXX | XXXX A |
| 927705 |  | XXXX | XXXX A |
| 927768 |  | XXXX | XXXX A |
| 927762 |  | XXXX | XXXX B A |
| 933375 |  | XXXX | XXXX C A |
| 927952 |  | XXXX | XXXX A |
| 927977 |  | XXXX | XXXX A |
| 928001 |  | XXXX | XXXX A |
| 928000 |  | XXXX | XXXX C A B |
| 927983 |  | XXXX | XXXX A |
| 928002 |  | XXXX | XXXX A |
| 927993 |  | XXXX | XXXX A C |
| 927965 |  | XXXX | XXXX B D A |
| 927974 |  | XXXX | XXXX D A |
| 927985 |  | XXXX | XXXX A C |
| 928011 |  | XXXX | XXXX C A B |
| 928006 |  | XXXX | XXXX A |
| 927956 |  | XXXX | XXXX A |
| 927987 |  | XXXX | XXXX C A |
| 927944 |  | XXXX | XXXX D A |
| 927990 |  | XXXX | XXXX C A |
| 927939 |  | XXXX | XXXX A |
| 927996 |  | XXXX | XXXX B A |
| 933379 |  | XXXX | XXXX C B A |
| 933383 |  | XXXX | XXXX B A |
| 933364 |  | XXXX | XXXX A |
| 933384 |  | XXXX | XXXX A |
| 933396 |  | XXXX | XXXX D A |
| 933405 |  | XXXX | XXXX A |
| 933370 |  | XXXX | XXXX A |
| 933360 |  | XXXX | XXXX C A |
| 933363 |  | XXXX | XXXX B C A |
| 933367 |  | XXXX | XXXX A |
| 933422 |  | XXXX | XXXX C D B A |
| 933409 |  | XXXX | XXXX A |
| 933371 |  | XXXX | XXXX C A B |
| 933419 |  | XXXX | XXXX A |
| 933404 |  | XXXX | XXXX A |
| 933416 |  | XXXX | XXXX A |
| 933597 |  | XXXX | XXXX C A |
| 933590 |  | XXXX | XXXX A C |
| 933598 |  | XXXX | XXXX C D A |
| 933554 |  | XXXX | XXXX A D |
| 933531 |  | XXXX | XXXX A D |
| 933528 |  | XXXX | XXXX C A B |
| 933556 |  | XXXX | XXXX C A |
| 933560 |  | XXXX | XXXX C A |
| 933563 |  | XXXX | XXXX C A |
| 933541 |  | XXXX | XXXX C D A |
| 933546 |  | XXXX | XXXX A |
| 933551 |  | XXXX | XXXX A C B |
| 933529 |  | XXXX | XXXX A |
| 933586 |  | XXXX | XXXX B A |
| 933569 |  | XXXX | XXXX C A |
| 933549 |  | XXXX | XXXX C A B |
| 933561 |  | XXXX | XXXX A D |
| 933589 |  | XXXX | XXXX C D A B |
| 933565 |  | XXXX | XXXX C A |
| 933542 |  | XXXX | XXXX C B A |
| 933553 |  | XXXX | XXXX B A |
| 933562 |  | XXXX | XXXX A D |
| 933564 |  | XXXX | XXXX C A |
| 933567 |  | XXXX | XXXX A |
| 933566 |  | XXXX | XXXX A C |
| 933557 |  | XXXX | XXXX B A |
| 933593 |  | XXXX | XXXX D B A |
| 933580 |  | XXXX | XXXX B A |
| 933571 |  | XXXX | XXXX A |
| 933602 |  | XXXX | XXXX A |
| 933469 |  | XXXX | XXXX A |
| 933491 |  | XXXX | XXXX C D A |
| 933473 |  | XXXX | XXXX A |
| 933462 |  | XXXX | XXXX C A |
| 933374 |  | XXXX | XXXX D A |
| 933500 |  | XXXX | XXXX A D |
| 933411 |  | XXXX | XXXX B A |
| 933413 |  | XXXX | XXXX A |
| 933596 |  | XXXX | XXXX D A |
| 933536 |  | XXXX | XXXX D A |
| 933527 |  | XXXX | XXXX A |
| 933534 |  | XXXX | XXXX A C |
| 933574 |  | XXXX | XXXX A |
| 933592 |  | XXXX | XXXX A |
| 933361 |  | XXXX | XXXX C A |
| 933573 |  | XXXX | XXXX C A B |
| 933539 |  | XXXX | XXXX A |
| 933532 |  | XXXX | XXXX B A |
| 933594 |  | XXXX | XXXX A |
| 933579 |  | XXXX | XXXX B A |
| 933576 |  | XXXX | XXXX C A |
| 933600 |  | XXXX | XXXX C A |
| 933537 |  | XXXX | XXXX A C |

---

## Exhibit 99.22

[HOMES 2023-NQM2 ABS-15G](home-abs15g_031723.htm)

**EXHIBIT 99.22**

---

| | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **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 | 925864 |  |  | Closed | 2022-07-15 17:09 | 2022-07-19 20:23 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Acceptable. Finding resolved. - Due Diligence Vendor-07/19/2022 <br>Ready for Review-Document Uploaded. Per our guidelines, the max LTV is 75%, not 70% (please see attached). Pricing validation on file (please see attached) shows that the base rate was 75% and there were 2 broker pointes financed, therefore we are still in compliance. Please clear the condition. - Seller-07/19/2022 <br>Open-Audited CLTV of 75.99% exceeds Guideline CLTV of 70% As per Guidelines Max LTV for Cash out with FICO 652 is 70%. Please provide exception or justification. - Due Diligence Vendor-07/15/2022 | Resolved-Acceptable. Finding resolved. - Due Diligence Vendor-07/19/2022<br>| XXXX- LTV guidelines.pdf<br> XXXX- Pricing Validation..pdf |  |  | MI | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 925864 |  |  | Closed | 2022-07-15 17:09 | 2022-07-19 20:22 | Resolved | 1 - Information C A | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Acceptable. Finding resolved. - Due Diligence Vendor-07/19/2022 <br>Ready for Review-Document Uploaded. per our guidelines, the max LTV is 75%, not 70%. Pricing validation on file shows that the base rate was 75% and there were 2 broker pointes financed, therefore we are still in compliance. Submitted to clayton. Please clear the condition. - Seller-07/19/2022 <br>Open-Audited HLTV of 75.99% exceeds Guideline HCLTV of 70% As per Guidelines Max LTV for Cash out with FICO 652 is 70%. Please provide exception or justification. - Due Diligence Vendor-07/15/2022 | Resolved-Acceptable. Finding resolved. - Due Diligence Vendor-07/19/2022<br>| XXXX- Pricing Validation..pdf<br> XXXX- LTV guidelines.pdf |  |  | MI | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 925864 |  |  | Closed | 2022-07-15 17:09 | 2022-07-19 20:23 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Acceptable. Finding resolved. - Due Diligence Vendor-07/19/2022 <br>Ready for Review-Document Uploaded. per our guidelines, the max LTV is 75%, not 70%. Pricing validation on file shows that the base rate was 75% and there were 2 broker pointes financed, therefore we are still in compliance. Submitted to clayton. Please clear the condition. - Seller-07/19/2022 <br>Open-Audited LTV of 75.99% exceeds Guideline LTV of 70% As per Guidelines Max LTV for Cash out with FICO 652 is 70%. Please provide exception or justification. - Due Diligence Vendor-07/15/2022 | Resolved-Acceptable. Finding resolved. - Due Diligence Vendor-07/19/2022<br>| XXXX- LTV guidelines.pdf<br> XXXX- Pricing Validation..pdf |  |  | MI | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 925917 |  |  | Closed | 2022-06-23 05:32 | 2022-07-01 21:44 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Guidelines updated. Finding resolved. - Due Diligence Vendor-07/01/2022 <br> Ready for Review-Document Uploaded. Please see attached guidelines referencing the hazard insurance requirements - Seller-06/30/2022 <br> Counter-Document Uploaded. Plaese provide the guidelines you are referencing as section 12.2 on our current guidelines does not address the stated issue. Please see uploaded screenshot - Due Diligence Vendor-06/29/2022 <br> Ready for Review-Document Uploaded. The insurance date is 6/20, loan funding date is XXXX (please see attached). Our guidelines section 12.2 state that "Policy must be effective for at least 60 days after the date of funding" so it does not apply to the note date. Please clear the condition. - Seller-06/29/2022 <br> Open-Hazard Insurance Effective Date of 06-20-2022 is after the Note Date of XXXX Closing & Disbursement dates are XXXX - Due Diligence Vendor-06/23/2022 | Resolved-Guidelines updated. Finding resolved. - Due Diligence Vendor-07/01/2022<br>| XXXX- funding date.pdf<br> Guideline 12.2.png<br> section 12.2 guidelines for hazard insurance.pdf |  |  | NV | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 925917 |  |  | Closed | 2022-06-23 06:23 | 2022-06-29 23:43 | Resolved | 1 - Information C A | Compliance | Closing | Final HUD-1 Closing Date does not match Transaction Date | Resolved-File updated finding resolved - Due Diligence Vendor-06/29/2022 <br> Ready for Review-Document Uploaded. The closing date of the HUD is XXXX, which coincides with closing & disbursement date of XXXX (please see attached). Therefore still in compliance. Please clear the condition. - Seller-06/29/2022 <br> Open-Final HUD-1 Closing Date of XXXX is not the same date as the Notary Acknowledgement Date of XXXX. - Due Diligence Vendor-06/23/2022 | Resolved-File updated finding resolved - Due Diligence Vendor-06/29/2022<br>| XXXX- funding date.pdf<br> XXXX- HUD.pdf |  |  | NV | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 925963 |  |  | Closed | 2022-06-28 21:10 | 2022-07-11 03:26 | Resolved | 1 - Information C A | Compliance | Closing | Final HUD-1 Closing Date does not match Transaction Date | Resolved-Final HUD-1 Closing Date matches the Notary Acknowledgement Date or Not Applicable. - Due Diligence Vendor-07/11/2022 <br> Ready for Review-Document Uploaded. Please see attached corrected HUD. Please clear the condition. - Seller-07/06/2022 <br> Open-Final HUD-1 Closing Date of XXXX is not the same date as the XXXX Date of XXXX is not the same date as the Note Date of XXXX. HUD 1 on page 578 reflects closing date of XXXX. and note on page 13 reflects XXXX.Please provide justification or updated HUD1 document. - Due Diligence Vendor-06/28/2022 | Resolved-Final HUD-1 Closing Date matches the Notary Acknowledgement Date or Not Applicable. - Due Diligence Vendor-07/11/2022<br>| XXXX- ALTA.pdf |  |  | NV | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 925999 |  |  | Closed | 2022-07-11 08:09 | 2022-12-15 23:36 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Minimum $50,000 Equity - Appraised value was reduced to XXXX. We reduced purchase price to XXXX at 70% LTV we're <$50000 equity by $5000.<br> Compensating Factors - Fico -718, LTV/CLTV - 70/70<br>Loan Exception available on page 165, 173, 333 - Due Diligence Vendor-07/11/2022 | Waived-Minimum $50,000 Equity - Appraised value was reduced to XXXX. We reduced purchase price to XXXX at 70% LTV we're <$50000 equity by $5000.<br> Compensating Factors - Fico -718, LTV/CLTV - 70/70<br>Loan Exception available on page 165, 173, 333 - Due Diligence Vendor-07/11/2022 |  |  | XXXX | FL | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 926152 |  |  | Closed | 2022-08-03 04:20 | 2022-08-04 23:50 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-08/04/2022 <br>Ready for Review-Please see attached initial 1003. Please clear the condition. - Seller-08/04/2022 <br>Open-The Initial 1003 is Missing - Due Diligence Vendor-08/03/2022 | Resolved-The Initial 1003 is Present - Due Diligence Vendor-08/04/2022<br>| XXXX-initial 1003.pdf |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 926170 |  |  | Closed | 2022-08-10 05:48 | 2022-08-18 20:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-08/18/2022 <br>Ready for Review-The bwr state they are US Citizens and we find nothing to dispute that declaration, we do not ask for US Citizenship documentation. the 1003 also shows they are a US Citizens . Please clear the exception. <br>- Seller-08/17/2022 <br>Open-Borrower 1 Citizenship Documentation Is Missing Please provide ID documents for borrower - Due Diligence Vendor-08/10/2022 | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-08/18/2022<br>|  |  |  | MD | Investment | Refinance | No Cash Out - Lender Initiated | XXXX | N/A | N/A |
| XXXX | 926170 |  |  | Closed | 2022-08-10 08:26 | 2022-08-19 19:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- LTV of 73.33% which is above maximum guideline requirement. - Due Diligence Vendor-08/19/2022 <br>Ready for Review-Document Uploaded. Please see the attached LTV exception. Please clear the exception. - Seller-08/19/2022 <br>Counter- - Due Diligence Vendor-08/18/2022 <br>Ready for Review-Please indicate the qualifying LTV for this loan file. The exception document indicates qualifying LTV of 68.75% ,whereas our calculations shows qualifying LTV at 73.33% which is above maximum guideline requirement. - Due Diligence Vendor-08/18/2022 <br>Ready for Review-Document Uploaded. Please see the attached loan exception LTV of 73.33% exceeds Guideline LTV of 70% Per guidelines the maximum LTV for a score ranging between 640-649 is 70%. Please clear the exception. - Seller-08/17/2022 <br>Open-Audited LTV of 73.33% exceeds Guideline LTV of 70% Per guidelines the maximum LTV for a score ranging between 640-649 is 70%. Please provide exception or justification for the qualifying LTV of 73.33% - Due Diligence Vendor-08/11/2022 | Waived- LTV of 73.33% which is above maximum guideline requirement. - Due Diligence Vendor-08/19/2022<br>| Loan Exception with compensating factors_2022_08_17_@02_35_39.pdf<br> XXXX exception LTV.pdf |  | XXXX | MD | Investment | Refinance | No Cash Out - Lender Initiated | XXXX | Originator Pre-Close | Yes |
| XXXX | 926170 |  |  | Closed | 2022-08-10 09:47 | 2022-08-15 21:28 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Deed of Trust Signature does not match Note | Resolved-Borrower 1 Signature matches Note - Due Diligence Vendor-08/15/2022 <br>Ready for Review-Document Uploaded. Please see attached executed Deed of Trust. Please clear this exception. - Seller-08/15/2022 <br>Open-Borrower 1 Signature does not match Note Signature is missing in DOT document. - Due Diligence Vendor-08/10/2022 | Resolved-Borrower 1 Signature matches Note - Due Diligence Vendor-08/15/2022<br>| XXXX XXXX-XXXX- Executed Deed of Trust.pdf |  |  | MD | Investment | Refinance | No Cash Out - Lender Initiated | XXXX | N/A | N/A |
| XXXX | 926170 |  |  | Closed | 2022-08-10 16:11 | 2022-08-15 21:28 | Resolved | 1 - Information C A | Compliance | Closing | The Deed of Trust is Not Executed | Resolved-The Deed of Trust is Executed - Due Diligence Vendor-08/15/2022 <br>Ready for Review-Document Uploaded. Please see attached executed Deed of Trust. Please clear this exception. - Seller-08/15/2022 <br>Open-The Deed of Trust is Not Executed DOT is unsigned please provide updated document - Due Diligence Vendor-08/10/2022 | Resolved-The Deed of Trust is Executed - Due Diligence Vendor-08/15/2022<br>| XXXX XXXX-XXXX- Executed Deed of Trust.pdf |  |  | MD | Investment | Refinance | No Cash Out - Lender Initiated | XXXX | N/A | N/A |
| XXXX | 926170 |  |  | Closed | 2022-08-11 05:20 | 2022-08-18 21:03 | Waived | 2 - Non-Material C B | Credit | Eligibility | Asset do not meet guidelines | Waived-Equity less than the $50 000 guideline requirement. - Due Diligence Vendor-08/15/2022 <br>Ready for Review-Document Uploaded. Please see attached Exception Form with compensating factors. Please clear this exception. - Seller-08/15/2022 <br>Open-Please provide exception document with compensating factors. The provided document on page 130 does not include compensating factors - Due Diligence Vendor-08/11/2022 | Waived-Equity less than the $50 000 guideline requirement. - Due Diligence Vendor-08/15/2022<br>| XXXX XXXX - 596318 - Exception Form with compensating factors.pdf |  | XXXX | MD | Investment | Refinance | No Cash Out - Lender Initiated | XXXX | Originator Pre-Close | Yes |
| XXXX | 926179 |  |  | Closed | 2022-07-21 20:19 | 2022-07-29 22:29 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved- - Due Diligence Vendor-07/29/2022 <br> Ready for Review-Document Uploaded. Please see attached pricing validation showing the base loan amount of XXXX and base LTV of 70%. Please clear the condition. - Seller-07/27/2022 <br> Counter-Document Uploaded. Uploaded Document reflect only the matrix for FICO and LTV, guideline of 06/14/2022 reflects conditions for DSCR, FICO and LTV. Your feedback of Maximum of 75% does not Match the conditions on the attached guidelines. Please provide justification or explanation. - Due Diligence Vendor-07/27/2022 <br> Open-Audited CLTV of 71.4% exceeds Guideline CLTV of 70% - Due Diligence Vendor-07/27/2022 <br> Resolved-Audited CLTV of 71.4% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-07/27/2022 <br> Ready for Review-Document Uploaded. (please see attached sheet) Rate sheet for XXXX shows that for a FICO of 663 and DSCR of 0.75, the max LTV is 75%, not 70%. Therefore we are still in compliance. Please clear the condition. - Seller-07/27/2022 <br> Open-Audited CLTV of 71.4% exceeds Guideline CLTV of 70% DSCR Matrix of 06/14/2022 Lender's guideline reflects DSCR 0.75-0.99, FICO 640-679 , Max LTV 70%. The loan file has DSCR 0.76, FICO 663 and LTV 71.4. Please provide justification or explanation for LTV greater than 70%. - Due Diligence Vendor-07/21/2022 | Resolved-Audited CLTV of 71.4% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-07/27/2022<br>| XXXX- rate sheet 6.14.22.pdf<br> Max LTV 70%.png<br> 6-14-2022 Guideline.png<br> XXXX- Pricing XXXX XXXX XXXX XXXX.pdf |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 926179 |  |  | Closed | 2022-07-21 20:19 | 2022-07-29 22:31 | Resolved | 1 - Information C A | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved- - Due Diligence Vendor-07/29/2022 <br> Ready for Review-Document Uploaded. Document Uploaded. Please see attached pricing validation showing the base loan amount of XXXX and base LTV of 70%. Please clear the condition - Seller-07/27/2022 <br> Counter-Document Uploaded. Uploaded Document reflect only the matrix for FICO and LTV, guideline of 06/14/2022 reflects conditions for DSCR, FICO and LTV. Your feedback of Maximum of 75% does not Match the conditions on the attached guidelines. Please provide justification or explanation. - Due Diligence Vendor-07/27/2022 <br> Open-Audited HLTV of 71.4% exceeds Guideline HCLTV of 70% - Due Diligence Vendor-07/27/2022 <br> Resolved-Audited HLTV of 71.4% is less than or equal to Guideline HCLTV of 80% - Due Diligence Vendor-07/27/2022 <br> Ready for Review-Document Uploaded. (please see attached sheet) Rate sheet for XXXX shows that for a FICO of 663 and DSCR of 0.75, the max LTV is 75%, not 70%. Therefore we are still in compliance. Please clear the condition. - Seller-07/27/2022 <br> Open-Audited HLTV of 71.4% exceeds Guideline HCLTV of 70% DSCR Matrix of 06/14/2022 Lender's guideline reflects DSCR 0.75-0.99, FICO 640-679 , Max LTV 70%. The loan file has DSCR 0.76, FICO 663 and LTV 71.4. Please provide justification or explanation for LTV greater than 70%. - Due Diligence Vendor-07/21/2022 | Resolved-Audited HLTV of 71.4% is less than or equal to Guideline HCLTV of 80% - Due Diligence Vendor-07/27/2022<br>| XXXX- rate sheet 6.14.22.pdf<br> 6-14-2022 Guideline.png<br> Max LTV 70%.png<br> XXXX- Pricing XXXX XXXX XXXX XXXX.pdf |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 926179 |  |  | Closed | 2022-07-21 20:19 | 2022-07-29 22:31 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved- - Due Diligence Vendor-07/29/2022 <br> Ready for Review-Document Uploaded. Please see attached pricing validation showing the base loan amount of XXXX and base LTV of 70%. Please clear the condition - Seller-07/27/2022 <br> Counter-Document Uploaded. Uploaded Document reflect only the matrix for FICO and LTV, guideline of 06/14/2022 reflects conditions for DSCR, FICO and LTV. Your feedback of Maximum of 75% does not Match the conditions on the attached guidelines. Please provide justification or explanation. - Due Diligence Vendor-07/27/2022 <br> Open-Audited LTV of 71.4% exceeds Guideline LTV of 70% - Due Diligence Vendor-07/27/2022 <br> Resolved-Audited LTV of 71.4% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-07/27/2022 <br> Ready for Review-Document Uploaded. (please see attached sheet) Rate sheet for XXXX XXXX shows that for a FICO of 663 and DSCR of 0.75, the max LTV is 75%, not 70%. Therefore we are still in compliance. Please clear the condition. - Seller-07/27/2022 <br> Open-Audited LTV of 71.4% exceeds Guideline LTV of 70% DSCR Matrix of 06/14/2022 Lender's guideline reflects DSCR 0.75-0.99, FICO 640-679 , Max LTV 70%. The loan file has DSCR 0.76, FICO 663 and LTV 71.4. Please provide justification or explanation for LTV greater than 70%. - Due Diligence Vendor-07/21/2022 | Resolved- - Due Diligence Vendor-07/29/2022 <br>Resolved-Audited LTV of 71.4% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-07/27/2022<br>| XXXX- rate sheet 6.14.22.pdf<br> Max LTV 70%.png<br> 6-14-2022 Guideline.png<br> XXXX- Pricing XXXX XXXX XXXX XXXX.pdf |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 926184 |  |  | Closed | 2022-07-26 10:36 | 2022-12-15 23:39 | Waived | 2 - Non-Material B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived-Borrower has 11 investment properties. - Due Diligence Vendor-12/15/2022 <br>Waived-management approval required on loans with 10+ investment properties - Due Diligence Vendor-07/26/2022 | Waived-Borrower has 11 investment properties. - Due Diligence Vendor-12/15/2022 <br>Waived-management approval required on loans with 10+ investment properties - Due Diligence Vendor-07/26/2022<br>|  |  | XXXX | TN | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 926191 |  |  | Closed | 2022-07-26 08:40 | 2022-12-15 23:45 | Waived | 2 - Non-Material B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived- Borrower owns 12 investment properties - Due Diligence Vendor-12/15/2022 <br>Waived-More than 10 investment properties, Guidelines allow Max 10<br> Exception doc on pg132 - Due Diligence Vendor-07/26/2022 | Waived- Borrower owns 12 investment properties - Due Diligence Vendor-12/15/2022 <br>Waived-More than 10 investment properties, Guidelines allow Max 10<br> Exception doc on pg132 - Due Diligence Vendor-07/26/2022<br>|  |  | XXXX | TN | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 926233 |  |  | Closed | 2022-07-29 07:08 | 2022-08-11 16:13 | Resolved | 1 - Information C A | Property | Appraisal | Lowest appraised value > 10% variance from CDA value | Resolved-File updated - Due Diligence Vendor-08/11/2022 <br> Resolved-The Variance between the Property Value of the Secondary Valuation and the Property Value of the Primary Valuation is within 10% or Not Applicable. - Due Diligence Vendor-08/11/2022 <br> Ready for Review-Document Uploaded. Please see the attached BPO . Please clear the exception. - Seller-08/10/2022 <br> Ready for Review-Please see the attached BPO .. please clear the exception - Seller-08/10/2022 <br> Counter-Please provide additional valuation product to support the primary valuation product. - Due Diligence Vendor-08/09/2022 <br> Ready for Review-Document Uploaded. Please see attached loan approval for this file. The initial use of the XXXX appears to have been a clerical error. Please clear the condition. - Seller-08/05/2022 <br> Open-The Variance between the Property value of the Secondary Valuation and the Property Value of the Primary Valuation exceeds<br> 10% (Variance is -12.58%). Please provide additional valuation product to support primary valuation product. - Due Diligence Vendor-07/29/2022 | Resolved-File updated - Due Diligence Vendor-08/11/2022 <br>Resolved-The Variance between the Property Value of the Secondary Valuation and the Property Value of the Primary Valuation is within 10% or Not Applicable. - Due Diligence Vendor-08/11/2022<br>| XXXX- loan approval.pdf<br> XXXX Appraisal - BPO_2022.pdf |  |  | FL | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 927706 |  |  | Closed | 2022-08-25 08:27 | 2022-08-26 20:04 | Waived | 2 - Non-Material B | Credit | Eligibility | Asset do not meet guidelines | Waived-We have Loan Exception for Equity amount being less than $50,000, Equity amount we have is $40,000 (Property value XXXX - Loan amount XXXX).<br> Exception Document available on page #124 - Due Diligence Vendor-08/25/2022 | Waived-We have Loan Exception for Equity amount being less than $50,000, Equity amount we have is $40,000 (Property value XXXX - Loan Amount XXXX).<br> Exception Document available on page #124 - Due Diligence Vendor-08/25/2022 |  |  | XXXX | FL | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 927708 |  |  | Closed | 2022-08-10 11:29 | 2022-08-15 21:33 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-File updated. Finding Resolved - Due Diligence Vendor-08/15/2022 <br>Ready for Review-Document Uploaded. The 41.60 was input in error and was not used or calculated. Please see the attached corrected 1003 removing this. Please clear the exception. - Seller-08/15/2022 <br>Open-Asper Final CD and First Payment Total PITI is $3634.71 with HOA is $3912.71, Whereas Final 1003 Pg: 113 shows $3954.31, Difference is $41.60 given as Others in Final 1003. Conditional Approval also Qualifies with $41.60 in Others. Not able to Verify the $41.60, Which is Creating a DTI Discrepancy of 0.43% Difference. <br> Note: Initial 1003 Pg: 123 shows the same $41.60 in Supplemental Property Insurance. No Such Other Insurance is Provided in File. - Due Diligence Vendor-08/10/2022 | Resolved-File updated. Finding Resolved - Due Diligence Vendor-08/15/2022<br>| XXXX 1003.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 927713 |  |  | Closed | 2022-08-19 14:34 | 2023-01-10 23:21 | Resolved | 1 - Information D A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Compliance test has passed, finding has been resolved and cleared. - Due Diligence Vendor-01/10/2023 <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. Charges that cannot increase finding - Due Diligence Vendor-08/19/2022 | Resolved-Compliance test has passed, finding has been resolved and cleared. - Due Diligence Vendor-01/10/2023 <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. Charges that cannot increase finding - Due Diligence Vendor-08/19/2022<br>|  |  |  | FL | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 927713 |  |  | Closed | 2022-08-19 14:34 | 2023-01-10 23:21 | Resolved | 1 - Information D A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Compliance test has passed, finding has been resolved and cleared. - Due Diligence Vendor-01/10/2023 <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. Charges that cannot increase finding - Due Diligence Vendor-08/19/2022 | Resolved-Compliance test has passed, finding has been resolved and cleared. - Due Diligence Vendor-01/10/2023 <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. Charges that cannot increase finding - Due Diligence Vendor-08/19/2022<br>|  |  |  | FL | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 927713 |  |  | Closed | 2022-08-19 14:34 | 2023-01-10 23:22 | Resolved | 1 - Information D A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Compliance test has passed, finding has been resolved and cleared. - Due Diligence Vendor-01/10/2023 <br>Rescinded-The redisclosed amount was $325 lesser than initial disclosed $400 fee. Finding is rescinded. - Due Diligence Vendor-08/23/2022 <br>Ready for Review-DISAGREE WITH EXCEPTION: A $400 Survey Fee had been disclosed on each LE (Section C) since the initial LE issued on 7/18/22. The fee was shoppable as this service is listed in the written list of settlement service providers that was given to the borrower at the time of initial disclosures. When the CDs were issued, the fee was inadvertently moved to Section B while the fee amount was reduced to $325. No tolerance should be applied to this fee as it was shoppable and borrower elected to use a vendor that was not named on the provided list. There is no material change in fees borrower was charged (except for the reduced amount of the Survey Fee) so this exception should be eliminated or at worst, downgraded.<br>- Seller-08/23/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $325.00.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). Please provide Change of Circumstance or explanation for the Survey Fee of $325 that disclosed in section B of the Closing Disclosure of 08/09/2022, but was previously disclosed in section C of the LE dated 07/19/2022. Page 337 and 340 - Due Diligence Vendor-08/19/2022 | Resolved-Compliance test has passed, finding has been resolved and cleared. - Due Diligence Vendor-01/10/2023 <br>Rescinded-The redisclosed amount was $325 lesser than initial disclosed $400 fee. Finding is rescinded. - Due Diligence Vendor-08/23/2022<br>|  |  |  | FL | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 927729 |  |  | Closed | 2022-09-02 07:09 | 2022-09-08 20:50 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-File updated - Due Diligence Vendor-09/08/2022 <br> Ready for Review-Document Uploaded. Per guidelines require 6 months cash reserves. ($4093.79 x 6 = $24,562.74) And we needed $156,236.06 for cash to close. Total assets = $180,798.80. We are using XXXX bank statements from business accts #XXXX & XXXX for cash to close and reserves. 7/31 statement shows $XXXX in acts #XXXX 7574. There was sufficient funds. Then the borrower decided to transfer funds for cash to close to acct #XXXX on 8/29/22 from the business savings acct #XXXX. Please clear the condition. - Seller-09/08/2022 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Verified Assets are less than the requirement. Assets are not enough to meet the Guidelines requirement. - Due Diligence Vendor-09/02/2022 | Resolved-File updated - Due Diligence Vendor-09/08/2022<br>| XXXX XXXX XXXX July_2022_09.pdf<br> XXXX XXXX XXXX 7-31-22_2022_09_08_@01_25_33.pdf |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 927747 |  |  | Closed | 2022-08-10 19:18 | 2023-01-10 23:19 | Resolved | 1 - Information D A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Complaince test has passed, finding has been cleared and resolved. - Due Diligence Vendor-01/10/2023 <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. Will be resolved through the open finding "charges that cannot increase" - Due Diligence Vendor-08/10/2022 | Resolved-Complaince test has passed, finding has been cleared and resolved. - Due Diligence Vendor-01/10/2023 <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. Will be resolved through the open finding "charges that cannot increase" - Due Diligence Vendor-08/10/2022<br>|  |  |  | CO | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 927747 |  |  | Closed | 2022-08-10 19:18 | 2023-01-10 23:20 | Resolved | 1 - Information D A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Complaince test has passed, finding has been cleared and resolved. - Due Diligence Vendor-01/10/2023 <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. Will be resolved through the open finding "charges that cannot increase" - Due Diligence Vendor-08/10/2022 | Resolved-Complaince test has passed, finding has been cleared and resolved. - Due Diligence Vendor-01/10/2023 <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. Will be resolved through the open finding "charges that cannot increase" - Due Diligence Vendor-08/10/2022<br>|  |  |  | CO | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 927747 |  |  | Closed | 2022-08-10 19:18 | 2022-12-16 19:29 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received update and rebuttal from client, compliance has passed. Finding has been resolved and cleared - Due Diligence Vendor-12/16/2022 <br> Ready for Review-Document Uploaded. DISAGREE WITH EXCEPTION: Closing Protection Letter fee of $25 had been disclosed on every TRID disclosure - from initial Loan Estimate issued on 7/8 through the final Closing Disclosure issued XXXX, and all disclosures in between. Please see copy of initial disclosures which include the initial LE (page 42 of 52). Please clear the condition. <br>- Seller-08/17/2022 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $25.00.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). Lender to provide Change of Circumstance for Closing Protection Letter for $25.00 discrepancy only because there is no COC to add to the Final Closing Disclosure. - Due Diligence Vendor-08/10/2022 | Resolved-Received update and rebuttal from client, compliance has passed. Finding has been resolved and cleared - Due Diligence Vendor-12/16/2022<br>| Selen DD_XXXX-XXXX_Initial LE.pdf |  |  | CO | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 927754 |  |  | Closed | 2022-08-29 08:47 | 2022-09-29 06:20 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived- - Due Diligence Vendor-09/02/2022 <br>Acknowledged-Document acceptable - Due Diligence Vendor-08/31/2022 <br>Ready for Review-Document Uploaded. Please see the attached loan exception for the DTI over the max amount of 50% DTI at 54.94%. Please clear the exception. - Seller-08/31/2022 <br>Open-Audited DTI of 54.94% exceeds Guideline DTI of 50% - Due Diligence Vendor-08/29/2022 | Acknowledged-Document acceptable - Due Diligence Vendor-08/31/2022<br>| XXXX.pdf |  | XXXX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Pre-Close | Yes |
| XXXX | 927754 |  |  | Closed | 2022-08-29 09:32 | 2022-09-02 21:19 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-No timing issues - Due Diligence Vendor-09/02/2022 <br> Ready for Review-DISAGREE WITH EXCEPTION: Loan was closed on 8/19/22. Pena and ink changes were made on the XXXX changing the transaction date to 8/19/22 and was initialed by both borrowers. The expiration date of the rescission period was also changed to 8/23/22 and initialed by each borrower. 8/23/22 allows the required three business days so there is no violation of Reg-Z, Sec 1026.23.<br>- Seller-09/02/2022 <br> Open-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Final CD signed after closing date please provide explanation or justification. This is causing timing/delivery issues - Due Diligence Vendor-08/30/2022 | Resolved-No timing issues - Due Diligence Vendor-09/02/2022<br>|  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 927754 |  |  | Closed | 2022-08-29 09:32 | 2022-09-02 21:19 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Disclosure Dates and Personal Delivery Validation Test | Resolved-No timing issues - Due Diligence Vendor-09/02/2022 <br> Ready for Review-DISAGREE WITH EXCEPTION: None of the possible scenarios listed in this exception are valid. XXXX issued the initial LE on 7/15/22 and was signed by the borrower on 7/20/22. XXXX then issued its initial CD on 8/5/22 and it was signed on 8/9/22. XXXX issued a revised CD on 8/17/22 that was signed by the borrower that same day - and then with closing documents, a CD with an issue date of 8/18/22 was signed on 8/19/22 along with the other closing documents. Nothing is out of order and ll these documents would have been included in the PDF package delivered to due diligence.<br>- Seller-09/02/2022 <br> Open-This loan failed the TRID disclosure dates and personal delivery validation test.This loan contains either:A Revised Loan Estimate Receipt Date that is after the Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date that is after the Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date that is after the Revised Closing Disclosure Delivery Date.However, the method of delivery is marked as "Personal." Please review the loan data to ensure the dates and method of delivery are correct. Final CD signed after closing date please provide explanation or justification. This is causing timing/delivery issues - Due Diligence Vendor-08/30/2022 | Resolved-No timing issues - Due Diligence Vendor-09/02/2022<br>|  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 927754 |  |  | Closed | 2022-08-30 17:19 | 2022-08-31 19:26 | Resolved | 1 - Information C A | Credit | Credit | Residency | Resolved-Guidelines updated to include NPRA. Finding resolved. - Due Diligence Vendor-08/31/2022 <br> Ready for Review-Document Uploaded. Please see the attached the Non Permanent resident as highlighted on the final 1003 on page 122. Per XXXX guidelines Non Permanent residents are eligible. - Seller-08/31/2022 <br> Open-Please clarify whether borrower is US Citizen or Non Permanent resident as highlighted on the final 1003 on page 122. Per XXXX guidelines Non Permanent residents are not eligible please provide exception or justification. - Due Diligence Vendor-08/30/2022 | Resolved-Guidelines updated to include NPRA. Finding resolved. - Due Diligence Vendor-08/31/2022<br>| Doc2.docx |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 927762 |  |  | Closed | 2022-09-07 12:13 | 2022-09-07 19:19 | Waived | 2 - Non-Material B | Credit | Assets | Asset General | Waived-Exception Request is on pgno: 162<br>Exception Request : EMD of $4000 is not seasoned for 60 days - Due Diligence Vendor-09/07/2022 | Waived-Exception Request is on pgno: 162<br>Exception Request : EMD of $4000 is not seasoned for 60 days - Due Diligence Vendor-09/07/2022<br>|  |  | XXXX | TX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 927773 |  |  | Closed | 2022-08-10 19:21 | 2022-08-15 14:50 | Resolved | 1 - Information C A | Compliance | Closing | The Note is Not Executed | Resolved-An executed Note is now uploaded. Finding Resolved. - Due Diligence Vendor-08/15/2022 <br>Ready for Review-Document Uploaded. Please see the attached execute note. Please clear the condition. - Seller-08/12/2022 <br>Open-The Note is Not Executed Please provide signed Note document - Due Diligence Vendor-08/10/2022 | Resolved-An executed Note is now uploaded. Finding Resolved. - Due Diligence Vendor-08/15/2022<br>| Note executed.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 927773 |  |  | Closed | 2022-08-10 19:23 | 2022-08-15 14:44 | Resolved | 1 - Information C A | Compliance | Closing | The Deed of Trust is Not Executed | Resolved-An executed DOT is now uploaded. Finding Resolved. - Due Diligence Vendor-08/15/2022 <br>Ready for Review-Document Uploaded. Please see the attached executed dot. Please clear the exception. - Seller-08/12/2022 <br>Open-The Deed of Trust is Not Executed Please provide executed DOT - Due Diligence Vendor-08/10/2022 | Resolved-An executed DOT is now uploaded. Finding Resolved. - Due Diligence Vendor-08/15/2022<br>| Mortgage - Deed of Trust_XXXX_@09_38_19.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 927773 |  |  | Closed | 2022-08-10 19:29 | 2022-08-15 21:21 | Resolved | 1 - Information D 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-08/15/2022 <br>Ready for Review-Document Uploaded. see the attached below bwr 1 vvoe verification please clear the exception. - Seller-08/15/2022 <br>Ready for Review-Document Uploaded. Please see the attached the vvoe was done on 8/8/222 - Seller-08/15/2022 <br>Counter-Document Uploaded. Please provide the date the Funder performed the VVOE for validation as per page 14 of the guideline. See Attached image from guideline. - Due Diligence Vendor-08/15/2022 <br>Ready for Review-Document Uploaded. Please see the attached for bwr 1 Please clear the exception - Seller-08/12/2022 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Please provide VOE as required by guidelines - Due Diligence Vendor-08/10/2022 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/15/2022<br>| at Funding Brrower 2_2022_08_12_@11_04_58.pdf<br> VVOE.png<br> XXXX - XXXX VOE.pdf<br> at Funding Brrower 2_2022_08_15_@11_05_15.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 927773 |  |  | Closed | 2022-08-10 19:29 | 2022-08-15 21:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 3) - Due Diligence Vendor-08/15/2022 <br>Ready for Review-Document Uploaded. Please see the attached vvoe . Please clear the exception. - Seller-08/15/2022 <br>Counter-Document Uploaded. Please provide the date the Funder performed the VVOE for validation as per page 14 of the guideline. See Attached image from guideline. - Due Diligence Vendor-08/15/2022 <br>Ready for Review-Document Uploaded. Please see the attached VVOE. Please clear the condition. - Seller-08/12/2022 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing Please provide VOE as required by guidelines - Due Diligence Vendor-08/10/2022 | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 3) - Due Diligence Vendor-08/15/2022<br>| at Funding Brrower 2_2022_08_12_@11_04_58.pdf<br> VVOE.png<br> VVOE.png<br> XXXX - XXXX VOE.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 927777 |  |  | Closed | 2022-08-11 00:54 | 2022-08-18 19:46 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Uploaded document reflects financed points of 2%. Finding Resolved. - Due Diligence Vendor-08/18/2022 <br>Ready for Review-Document Uploaded. Please see the attached please clear the exception. - Seller-08/17/2022 <br>Counter-Please provide the document or exception waiver to support the Financed points. - Due Diligence Vendor-08/17/2022 <br>Ready for Review-This has 2 Broker Origination financed points of 2% which is/was allowed on this date of approval. Amount based on pricing is at 80% LTV and does not exceed max LTV for that pricing bucket.<br>- Seller-08/16/2022 <br>Open-Audited CLTV of 81.6% exceeds Guideline CLTV of 80% Maximum LTV is 80% per guideline. Please provide clarification or Justification - Due Diligence Vendor-08/11/2022 | Resolved-Uploaded document reflects financed points of 2%. Finding Resolved. - Due Diligence Vendor-08/18/2022<br>| Pricing XXXX XXXX XXXX_2_2022_08_17_@04_41_27.pdf |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 927777 |  |  | Closed | 2022-08-11 00:54 | 2022-08-18 19:46 | Resolved | 1 - Information C A | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Uploaded document reflects financed points of 2%. Finding Resolved. - Due Diligence Vendor-08/18/2022 <br>Ready for Review-Document Uploaded. Please see the atatched please clear the exception. - Seller-08/17/2022 <br>Counter-Please provide the document or exception waiver to support the Financed points - Due Diligence Vendor-08/17/2022 <br>Ready for Review-This has 2 Broker Origination financed points of 2% which is/was allowed on this date of approval. Amount based on pricing is at 80% LTV and does not exceed max LTV for that pricing bucket.<br>- Seller-08/16/2022 <br>Open-Audited HLTV of 81.6% exceeds Guideline HCLTV of 80% Maximum LTV is 80% per guideline. Please provide clarification or Justification - Due Diligence Vendor-08/11/2022 | Resolved-Uploaded document reflects financed points of 2%. Finding Resolved. - Due Diligence Vendor-08/18/2022<br>| Pricing XXXX XXXX XXXX_2_2022_08_17_@04_41_27.pdf |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 927777 |  |  | Closed | 2022-08-11 00:54 | 2022-08-18 19:47 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Uploaded document reflects financed points of 2%. Finding Resolved. - Due Diligence Vendor-08/18/2022 <br>Ready for Review-Document Uploaded. Please see the attached pricing sheet. Please clear the exception. - Seller-08/17/2022 <br>Counter-Please provide the document or exception waiver to support the Financed points - Due Diligence Vendor-08/17/2022 <br>Ready for Review-This has 2 Broker Origination financed points of 2% which is/was allowed on this date of approval. Amount based on pricing is at 80% LTV and does not exceed max LTV for that pricing bucket.<br>- Seller-08/16/2022 <br>Open-Audited LTV of 81.6% exceeds Guideline LTV of 80% Maximum LTV is 80% per guideline. Please provide clarification or Justification - Due Diligence Vendor-08/11/2022 | Resolved-Uploaded document reflects financed points of 2%. Finding Resolved. - Due Diligence Vendor-08/18/2022<br>| Pricing XXXX XXXX XXXX_2022_08_17_@04_41_27.pdf |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 927777 |  |  | Closed | 2022-08-11 02:32 | 2022-09-02 14:41 | Resolved | 1 - Information C A | Compliance | Compliance | TRID CD date violation; missing final Closing Disclosure. Unable to determine TRID date compliance. | Resolved-Uploaded disclosures acceptable. Finding resolved. - Due Diligence Vendor-09/02/2022 <br> Ready for Review-Document Uploaded. Please see the attached initial CD that was signed on 7/21/22. This CD satisfies the TRID closing timing requirements since the loan closed on XXXX. XXXX is sending you an email regarding the "missing final Closing Disclosure" part they included. - Seller-08/31/2022 <br> Counter-We have acknowledged the PCCD please provide evidence that the borrower agreed to these terms or an acknowledgement. - Due Diligence Vendor-08/29/2022 <br> Ready for Review-Document Uploaded. Please see the attached PCCD.. Please clear the exception - Seller-08/26/2022 <br> Counter-The provided Final CD dated 08/01/2022 is unexecuted please provided an updated signed document. - Due Diligence Vendor-08/25/2022 <br> Ready for Review-Document Uploaded. Please see the attached final cd . Please clear the condition. - Seller-08/23/2022 <br> Counter-The uploaded Final CD was signed on XXXX which does not match the date XXXX on the Note and Mortgage. Pages 133 and 138. Please provide an executed final CD showing the closing date of 08/01/20. - Due Diligence Vendor-08/22/2022 <br> Ready for Review-Document Uploaded. Please see the attached signed cd . Please clear the exception. - Seller-08/18/2022 <br> Counter-The uploaded final CD is not executed by the borrowers. Please provide executed copy of the final CD.. - Due Diligence Vendor-08/18/2022 <br> Ready for Review-Document Uploaded. Please see the attached final cd . Please clear the exception. - Seller-08/17/2022 <br> Counter-Please provide final CD. - Due Diligence Vendor-08/17/2022 <br> Ready for Review-This has 2 Broker Origination financed points of 2% which is/was allowed on this date of approval. Amount based on pricing is at 80% LTV and does not exceed max LTV for that pricing bucket. Please clear the exception. <br>- Seller-08/16/2022 <br> Open-The final CD is missing from the loan file. Please run compliance when final CD is provided. - Due Diligence Vendor-08/11/2022 | Resolved-Uploaded disclosures acceptable. Finding resolved. - Due Diligence Vendor-09/02/2022<br>| Cs for Docs_XXXX_@11_04_32.pdf<br> Signed Documents_XXXX_@04_22_11.pdf<br> Cs for Docs_2022_08_23_@02_24_57.pdf<br> Closing_Disclosure_Documents_XXXX_630916676fadc.pdf<br> XXXX Initial CD signed.pdf |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 927777 |  |  | Closed | 2022-08-11 02:36 | 2022-08-18 19:41 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Total Monthly payments = $4312.05, Total Income = 9042.47, Final DTI = 4312.05/9041.99 = 47.69%. Finding Resolved. - Due Diligence Vendor-08/18/2022 <br> Ready for Review-Document Uploaded. See attached. This loan paid off the old, that is why I excluded the old and counted the new loan which is showing in liabilities screen. This document was also approved and in the file.<br>- Seller-08/18/2022 <br> Counter-Our records show that XXXX Acc # XXXX was not paid off but was excluded from your total debts on the conditional approval(page 2). Please provide evidence for the pay off/exclusion of this account from the DTI. - Due Diligence Vendor-08/17/2022 <br> Ready for Review-We paid off debt at closing.<br>Total Income: $9,041.99<br>Total Consumer Debt: $1,519<br> Total PITIA post closing: $2,912.05<br>Total Housing + debt: $4,431.05 / total income: $9,041 = 49.01%<br> Please clear the exception. <br> - Seller-08/16/2022 <br> Open-Audited DTI of 57.43% exceeds Guideline DTI of 50% - Due Diligence Vendor-08/11/2022 | Resolved-Total Monthly payments = $4312.05, Total Income = 9042.47, Final DTI = 4312.05/9041.99 = 47.69%. Finding Resolved. - Due Diligence Vendor-08/18/2022<br>| Payoff of old auto loan XXXX XXXX_XXXX_@08_20_18.pdf |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 927802 |  |  | Closed | 2022-08-15 18:49 | 2022-09-27 20:49 | Resolved | 1 - Information B A | Credit | Credit | Guarantor Recourse Document is not executed | Resolved-Document Uploaded. Signed Personal Guaranty uploaded - Due Diligence Vendor-09/27/2022 <br>Open-Document Uploaded. - Due Diligence Vendor-09/27/2022 <br>Open-Please provide executed Guarantor document - Due Diligence Vendor-08/15/2022 | Resolved-Document Uploaded. Signed Personal Guaranty uploaded - Due Diligence Vendor-09/27/2022<br>| MicrosoftTeams-image (2).png<br>Original Personal Guaranty.pdf |  |  | NJ | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 927805 |  |  | Closed | 2022-08-10 09:06 | 2022-08-11 22:17 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Homeowner's Association Questionnaire | Resolved-File updated - Due Diligence Vendor-08/11/2022 <br>Ready for Review-Document Uploaded. Please see the attached condo questionnaire. Please clear the condition. - Seller-08/11/2022 <br>Open-Missing Condo questionnaire - Due Diligence Vendor-08/10/2022 | Resolved-File updated - Due Diligence Vendor-08/11/2022<br>| Condo Questionnaire XXXX.pdf |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 927805 |  |  | Closed | 2022-08-10 17:29 | 2022-12-16 19:34 | Resolved | 1 - Information C A | Credit | Credit | Residency | Resolved-Client uploaded sufficient documentation, finding has been cleared and resolved. - Due Diligence Vendor-12/16/2022 <br> Resolved- - Due Diligence Vendor-08/11/2022 <br> Ready for Review-Document Uploaded. Please see the attached Executed W-8 (BEN) IRS form as required by guidelines for foreign nationals. Please clear the condition. - Seller-08/11/2022 <br> Open-Please provide Executed W-8 (XXXX) IRS form as required by guidelines for foreign nationals - Due Diligence Vendor-08/10/2022 | Resolved-Client uploaded sufficient documentation, finding has been cleared and resolved. - Due Diligence Vendor-12/16/2022<br>| Forma W-8 XXXX XXXX_2022_08_11_@10_52_22.pdf |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 927819 |  |  | Closed | 2022-08-04 12:49 | 2022-08-04 17:21 | Waived | 2 - Non-Material B | Credit | Eligibility | Asset do not meet guidelines | Waived-Home Equity of $40,000 Does not Meet Minimum Guidelines Requirements of $50,000, However we have loan Exception in File Page# 212 - Due Diligence Vendor-08/04/2022 | Waived-Home Equity of $40,000 Does not Meet Minimum Guidelines Requirements of $50,000, However we have loan Exception in File Page# 212 - Due Diligence Vendor-08/04/2022<br>|  |  | XXXX | OK | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 927839 |  |  | Closed | 2022-08-10 09:04 | 2022-08-12 14:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower's citizenship documentation has been uploaded. Finding is resolved. - Due Diligence Vendor-08/12/2022 <br>Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-08/12/2022 <br>Ready for Review-Document Uploaded. Please see the attached ID'S . Please clear the exception. - Seller-08/11/2022 <br>Open-Borrower 1 Citizenship Documentation Is Missing Please provide ID documents for borrower - Due Diligence Vendor-08/10/2022 | Resolved-Borrower's citizenship documentation has been uploaded. Finding is resolved. - Due Diligence Vendor-08/12/2022 <br>Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-08/12/2022<br>| ID CARD - XXXX.pdf |  |  | TX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 927891 |  |  | Closed | 2022-08-30 07:47 | 2022-09-19 17:34 | Resolved | 1 - Information C A | Credit | Doc Issue | Data Discrepancy - Tape Data is Different to Original Document Data | Resolved-Discrepancies reported on data compare tab. Assets and Months of reserves documented and verified by Selene are greater than what XXXX reported. - Due Diligence Vendor-09/19/2022 <br> Ready for Review-Finding acknowledged. Please clear. - Seller-09/19/2022 <br> Open-The following items were a discrepancy on the data tape: Qualifying Total Reserves Number of Months, Total Qualified Assets for Reserves Post-Close, Verified Doc Type, Originator QM Status. Please either update Tape data or acknowledge this finding.<br> - Due Diligence Vendor-08/30/2022 | Resolved-Discrepancies reported on data compare tab. Assets and Months of reserves documented and verified by Selene are greater than what XXXX reported. - Due Diligence Vendor-09/19/2022 |  |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 927896 |  |  | Closed | 2022-08-04 12:07 | 2022-08-09 15:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Incomplete | Resolved-Document acceptable - Due Diligence Vendor-08/09/2022 <br>Ready for Review-Document Uploaded. Please see attached executed Note. Please clear this exception - Seller-08/05/2022 <br>Open-The Note is Incomplete Please Provide Signed Note Document. Note Doc in Page #622, 890, 1271, 1435 are not Signed by Borrowers - Due Diligence Vendor-08/04/2022 | Resolved-Document acceptable - Due Diligence Vendor-08/09/2022<br>| XXXX XXXX- XXXX - Executed Note.pdf |  |  | OR | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 927896 |  |  | Closed | 2022-08-04 17:06 | 2022-08-09 15:17 | Resolved | 1 - Information C A | Compliance | Closing | The Deed of Trust is Not Executed | Resolved-Document acceptable - Due Diligence Vendor-08/09/2022 <br>Ready for Review-Document Uploaded. Please see attached Executed Deed of Trust. Please clear this exception. - Seller-08/05/2022 <br>Open-DOT not signed please provide signed document. - Due Diligence Vendor-08/04/2022 | Resolved-Document acceptable - Due Diligence Vendor-08/09/2022<br>| XXXX XXXX - XXXX - Executed Deed of Trust.pdf |  |  | OR | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 927944 |  |  | Closed | 2022-10-06 06:20 | 2022-10-11 15:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-10/11/2022 <br>Ready for Review-Document Uploaded. Please see the updated 1003 bwr citizenship shows bwr is a US Citizen. Please clear the condition - Seller-10/10/2022 <br>Open-Borrower 1 Citizenship Documentation Is Missing Identification document is missing - Due Diligence Vendor-10/06/2022 | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-10/11/2022<br>| Final Signed 1003 - BORROWER_XXXX_@03_26_36 updated.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 927944 |  |  | Closed | 2022-10-06 06:20 | 2022-10-11 15:55 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Ethnicity Selection is Not Provided | Resolved-Borrower 1 Ethnicity Selection is Provided - Due Diligence Vendor-10/11/2022 <br>Ready for Review-Document Uploaded. Please see the attached updated 1003 showing bwrs ethnicity. Please clear the exception. - Seller-10/10/2022 <br>Open-Borrower 1 Ethnicity Selection is Not Provided Final 1003 is missing in loan file. Borrower 1 Ethnicity not Selected - Due Diligence Vendor-10/06/2022 | Resolved-Borrower 1 Ethnicity Selection is Provided - Due Diligence Vendor-10/11/2022<br>| Final Signed 1003 - BORROWER_XXXX_@03_26_36 updated.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 927944 |  |  | Closed | 2022-10-06 06:20 | 2022-10-11 15:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-10/11/2022 <br>Ready for Review-Document Uploaded. Please see the attached Final signed 1003. Please clear the condition - Seller-10/10/2022 <br>Open-The Final 1003 is Missing Final 1003 is missing in loan file - Due Diligence Vendor-10/06/2022 | Resolved-The Final 1003 is Present - Due Diligence Vendor-10/11/2022<br>| Final Signed 1003 - BORROWER_XXXX_@03_26_36.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 927944 |  |  | Closed | 2022-10-06 06:33 | 2022-10-11 15:58 | Resolved | 1 - Information B A | Credit | Doc Issue | USA Patriot Act Disclosure-Borrower Identification is Missing | Resolved-Doc received and info entered - resolved - Due Diligence Vendor-10/11/2022 <br>Ready for Review-Document Uploaded. Please see the attached USA Patriot Act Disclosure-Borrower Identification. Please clear the condition. - Seller-10/10/2022 <br>Open-USA Patriot Act Disclosure-Borrower Identification is Missing - Due Diligence Vendor-10/06/2022 | Resolved-Doc received and info entered - resolved - Due Diligence Vendor-10/11/2022<br>| USA PATRIOT ACT_XXXX_@03_37_59.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 927944 |  |  | Closed | 2022-10-06 06:45 | 2022-10-11 15:46 | Resolved | 1 - Information C A | Compliance | Closing | The Note is Not Executed | Resolved-The Note is Executed - Due Diligence Vendor-10/11/2022 <br>Ready for Review-Document Uploaded. Please see the attached executed note. Please clear the condition. - Seller-10/10/2022 <br>Open-The Note is Not Executed The Note is Not signed . Page#454 - Due Diligence Vendor-10/06/2022 | Resolved-The Note is Executed - Due Diligence Vendor-10/11/2022<br>| Note_XXXX_@03_42_41.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 927944 |  |  | Closed | 2022-10-06 06:51 | 2022-10-11 15:44 | Resolved | 1 - Information C A | Compliance | Closing | The Deed of Trust is Not Executed | Resolved-The Deed of Trust is Executed - Due Diligence Vendor-10/11/2022 <br>Ready for Review-Document Uploaded. Please see the attached executed DOT/ Mortgage. Please clear the exception. - Seller-10/10/2022 <br>Open-The Deed of Trust is Not Executed DOT is not Signed. pg#458 - Due Diligence Vendor-10/06/2022 | Resolved-The Deed of Trust is Executed - Due Diligence Vendor-10/11/2022<br>| Mortgage - Deed of Trust_XXXX_@03_44_28.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 927944 |  |  | Closed | 2022-10-06 11:04 | 2022-10-11 17:23 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: File # is missing | Resolved-Final signed CD received info entered - resolved - Due Diligence Vendor-10/11/2022 <br>Ready for Review-Document Uploaded. Please see the attached final cd . Please clear the exception. - Seller-10/10/2022 <br>Open-Final CD provided in loan file is not signed (Page#529) - Due Diligence Vendor-10/06/2022 | Resolved-Final signed CD received info entered - resolved - Due Diligence Vendor-10/11/2022<br>| final cd.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 927944 |  |  | Closed | 2022-10-06 11:07 | 2022-10-11 17:23 | Resolved | 1 - Information C A | Credit | Doc Issue | Initial Escrow Acct Disclosure missing; loan has escrows | Resolved-Initial escrow received and signed - resolved - Due Diligence Vendor-10/11/2022 <br>Ready for Review-Document Uploaded. Please see the attached initial signed Initial Escrow Acct Disclosure matches w/ the final cd. Please clear the exception. - Seller-10/10/2022 <br>Open-Initial Escrow Acct Disclosure provided is not signed and initial escrow deposit not matching with Final CD. pg#547 - Due Diligence Vendor-10/06/2022 | Resolved-Initial escrow received and signed - resolved - Due Diligence Vendor-10/11/2022<br>| Initial Escrow Acct Disclosure_XXXX_@03_19_53.pdf<br> Signed Documents_XXXX_@03_16_51 initial.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 927965 |  |  | Closed | 2022-10-04 14:48 | 2022-10-24 21:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Incomplete | Resolved-File updated - Due Diligence Vendor-10/24/2022 <br> Resolved- - Due Diligence Vendor-10/24/2022 <br> Ready for Review-Document Uploaded. Please see the attached executed adjustable rate note. Please clear the condition - Seller-10/24/2022 <br> Open-The Note is Present The note does not reflect the Balloon payment in anyway - nor does the CD. This has a balloon payment of XXXX as the last payment per the amortized payment schedule This is not reflected within the note docs/addendums and not on the CD. This also is not reflective on the mortgage or its docs. _ monthly balance without a Balloon payment would be: XXXX<br> - Due Diligence Vendor-10/04/2022 | Resolved-File updated - Due Diligence Vendor-10/24/2022 <br>Resolved- - Due Diligence Vendor-10/24/2022<br>| XXXX.pdf |  |  | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 927965 |  |  | Closed | 2022-10-04 14:48 | 2022-10-24 21:50 | Resolved | 1 - Information B A | Credit | Doc Issue | Balloon Rider Missing | Resolved-Correction provided - Due Diligence Vendor-10/24/2022 <br>Ready for Review-Document Uploaded. Here is the new corrected note this is adjustable rate note the previous note was in error . Please clear the condition - Seller-10/24/2022 <br>Open-No Balloon rider provided. - Due Diligence Vendor-10/04/2022 | Resolved-Correction provided - Due Diligence Vendor-10/24/2022<br>| XXXX.pdf |  |  | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 927974 |  |  | Closed | 2022-09-30 07:18 | 2022-10-07 14:47 | Resolved | 1 - Information D A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 17.98 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-10/07/2022 <br>Rescinded-Required assets are available. Please ignore - Due Diligence Vendor-09/30/2022 | Resolved-Audited Reserves of 17.98 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-10/07/2022 <br>Rescinded-Required assets are available. Please ignore - Due Diligence Vendor-09/30/2022<br>|  |  |  | FL | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 927974 |  |  | Closed | 2022-09-30 08:22 | 2022-10-26 20:49 | Resolved | 1 - Information D A | Compliance | QM-ATR | Qualified Mortgage Safe Harbor Threshold | Resolved-Resolved - Due Diligence Vendor-10/26/2022 <br>Rescinded-This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §1026.43(b)(4), (e)(1))This loan does not qualify for a safe harbor. The loan has an APR of 7.579%. The APR threshold to qualify for a safe harbor is 7.230%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by 1.5 or more percentage points for a first-lien covered transaction, or by 3.5 or more percentage points for a subordinate-lien covered transaction. N/A: This is Non-QM Loan - Due Diligence Vendor-09/30/2022 | Resolved-Resolved - Due Diligence Vendor-10/26/2022 <br>Rescinded-This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §1026.43(b)(4), (e)(1))This loan does not qualify for a safe harbor. The loan has an APR of 7.579%. The APR threshold to qualify for a safe harbor is 7.230%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by 1.5 or more percentage points for a first-lien covered transaction, or by 3.5 or more percentage points for a subordinate-lien covered transaction. N/A: This is Non-QM Loan - Due Diligence Vendor-09/30/2022<br>|  |  |  | FL | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 927985 |  |  | Closed | 2022-09-30 06:30 | 2022-10-07 13:52 | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-10/07/2022 <br>Ready for Review-Document Uploaded. Please see the attached reconciliation that supports the value Please clear the exception - Seller-10/06/2022 <br>Counter-The provided CU Score (4.7) is greater than the 2.5 maximum guideline requirement. Please provide a 3rd valuation product to support - Due Diligence Vendor-10/06/2022 <br>Ready for Review-Document Uploaded. Please see the attached Secondary Valuation CU. Please clear the exception. - Seller-10/05/2022 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per securitization requirements and CU Score, if present, is greater than 2.5 CU score in Fannie Mae is greater than 2.5. Hence, Considered as Review Product 1. <br> Please provide Secondary Valuation - Due Diligence Vendor-09/30/2022 | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-10/07/2022<br>| Appraisal - CU_XXXX_@04_22_55.pdf<br> Appraisal - Reconciliation_XXXX_@02_45_26.pdf |  |  | PA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 927987 |  |  | Closed | 2022-10-06 08:57 | 2022-10-13 20:27 | Resolved | 1 - Information C A | Compliance | State Reg | NJ Prohibited Fees Test | Resolved-Acceptable no restricted fees charged - Due Diligence Vendor-10/13/2022 <br>Ready for Review-Document Uploaded. DISAGREE: Section A of the attached CD shows that only permissible broker and lender fees were charged in accordance with New Jersey law. - Seller-10/13/2022 <br>Open-This loan failed the prohibited fees test. (N.J.S.A. §17:11C-74, N.J.A.C. §§3:1-16.2)The loan does charge fee(s) not provided for in this act, which is prohibited.A mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2) a broker fee.A mortgage lender shall have the right to charge only the following fees:Application feeOrigination FeeLock in feeCommitment FeeWarehouse FeeDiscount Points - Due Diligence Vendor-10/06/2022 | Resolved-Acceptable no restricted fees charged - Due Diligence Vendor-10/13/2022<br>| Final XXXX Closing Disclosure_XXXX_@01_26_19.pdf |  |  | NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 927987 |  |  | Closed | 2022-10-06 09:55 | 2022-10-12 14:58 | Resolved | 1 - Information C A | Credit | Doc Issue | Data Discrepancy - Tape Data is Different to Original Document Data | Resolved-added prior purchase price to prop page and then selected prior purchase price for correct LTV - resolved - Due Diligence Vendor-10/12/2022 <br> Ready for Review-) Borrower purchased property 6/20/2022 for $850,000.<br>I looked the property up on XXXX and it looks very nice.<br>We would go off purchase price since less than 6 months on title. Please clear the condition - Seller-10/10/2022 <br> Open-1) Qualifying total Reserves Calculated as per given Assets 2) Qualified Assets Verified from given bank statements 3) LTV mismatch because as per conditional approval, appraisal value is $XXXX on page #1. Property value as per appraisal dated XXXX is $XXXX which is leading to mismatch in property value & LTV 4) Property value mismatch - Due Diligence Vendor-10/06/2022 | Resolved-added prior purchase price to prop page and then selected prior purchase price for correct LTV - resolved - Due Diligence Vendor-10/12/2022<br>|  |  |  | NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 927987 |  |  | Closed | 2022-10-06 10:28 | 2022-10-12 14:50 | Resolved | 1 - Information C A | Credit | Credit | Assets not properly documented/insufficient | Resolved-Docs received , info entered - resolved - Due Diligence Vendor-10/12/2022 <br> Ready for Review-Document Uploaded. Please see the attached Checking Account ending with XXXX . Please clear the exception. - Seller-10/10/2022 <br> Open-Checking Account ending with 0575 - CASH, Unable to verify $7085.98 - Due Diligence Vendor-10/06/2022 | Resolved-Docs received , info entered - resolved - Due Diligence Vendor-10/12/2022<br>| XXXX confirmation 9-26-2022_2022_10_10_@12_40_51.pdf |  |  | NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 927990 |  |  | Closed | 2022-10-07 11:09 | 2022-10-14 16:45 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Docs received, assets are sufficient - resolved - Due Diligence Vendor-10/14/2022 <br> Ready for Review-Document Uploaded. Please see the attached proof showing that borrower not to exceeds $XXXX. Please clear the condition - Seller-10/13/2022 <br> Open-Assets verified from latest bank statement which is not matching with final 1003 as we enough reserves and amount from for cash to close <br> we have Lox pg #732 that borrower not to exceeds XXXX - Due Diligence Vendor-10/07/2022 | Resolved-Docs received, assets are sufficient - resolved - Due Diligence Vendor-10/14/2022<br>| XXXX - 2022-09-09_2022_10_13_@02_20_38 10.13.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 927993 |  |  | Closed | 2022-09-27 08:17 | 2022-10-05 20:20 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-Compliance reran no fails - Due Diligence Vendor-10/05/2022 <br>Ready for Review-Document Uploaded. DISAGREE WITH EXCEPTION: Reamortized the loan and recomputed the federal disclosures - all were within tolerance. Please see attached Loan Calculations Proofsheet. - Seller-10/05/2022 <br>Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $471,697.53. The disclosed finance charge of $471,222.53 is not considered accurate because it is understated by more than $100. The finance charge is $471,697.53. The disclosed finance charge of $471,222.53 is not considered accurate because it is understated by more than $100. Disbursement date is incorrect in Final CD, Because of which their is a difference in value with Prepaid interest. Need corrected final cd prepaid interest. - Due Diligence Vendor-09/27/2022 | Resolved-Compliance reran no fails - Due Diligence Vendor-10/05/2022<br>| XXXX-XXXX_FC.pdf |  |  | NV | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 927993 |  |  | Closed | 2022-09-28 04:38 | 2022-10-05 20:18 | Resolved | 1 - Information D A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Resolved - Due Diligence Vendor-10/05/2022 <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. Loan Meets HPML Guidelines - Due Diligence Vendor-09/28/2022 | Resolved-Resolved - Due Diligence Vendor-10/05/2022 <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. Loan Meets HPML Guidelines - Due Diligence Vendor-09/28/2022<br>|  |  |  | NV | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 927993 |  |  | Closed | 2022-09-28 04:38 | 2022-10-05 20:18 | Resolved | 1 - Information D A | Compliance | QM-ATR | Qualified Mortgage Safe Harbor Threshold | Resolved-Resolved - Due Diligence Vendor-10/05/2022 <br>Rescinded-This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §1026.43(b)(4), (e)(1))This loan does not qualify for a safe harbor. The loan has an APR of 7.537%. The APR threshold to qualify for a safe harbor is 7.230%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by 1.5 or more percentage points for a first-lien covered transaction, or by 3.5 or more percentage points for a subordinate-lien covered transaction. Qualified Mortgage Safe Harbor Threshold - Non-QM Loan - Due Diligence Vendor-09/28/2022 | Resolved-Resolved - Due Diligence Vendor-10/05/2022 <br>Rescinded-This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §1026.43(b)(4), (e)(1))This loan does not qualify for a safe harbor. The loan has an APR of 7.537%. The APR threshold to qualify for a safe harbor is 7.230%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by 1.5 or more percentage points for a first-lien covered transaction, or by 3.5 or more percentage points for a subordinate-lien covered transaction. Qualified Mortgage Safe Harbor Threshold - Non-QM Loan - Due Diligence Vendor-09/28/2022<br>|  |  |  | NV | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 927996 |  |  | Closed | 2022-10-13 15:13 | 2022-12-14 15:50 | Resolved | 1 - Information B A | Credit | Credit | Missing Written Verification of Employment. | Resolved-Items needing to verify business is open can be found on pages 313, 323, 346, 353, 356, 359 - Due Diligence Vendor-12/14/2022 <br>Open-Please provide evidence that all the 4 listed businesses are open and running - Due Diligence Vendor-10/13/2022 | Resolved-Items needing to verify business is open can be found on pages 313, 323, 346, 353, 356, 359 - Due Diligence Vendor-12/14/2022<br>|  |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 928000 |  |  | Closed | 2022-09-23 11:20 | 2022-09-27 06:09 | Waived | 2 - Non-Material B | Credit | Eligibility | Payment shock exceeds guideline | Waived-Payment shock exceeds guideline requirements however loan exception in page- 810 - Due Diligence Vendor-09/23/2022 | Waived-Payment shock exceeds guideline requirements however loan exception in page- 810 - Due Diligence Vendor-09/23/2022<br>|  |  | XXXX | GA | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 928000 |  |  | Closed | 2022-09-23 11:36 | 2023-01-06 18:15 | Waived | 2 - Non-Material B | Credit | Assets | Asset General | Waived-Funds to Close Requesting only 6 months of reserves. At 70% LTV, no reserves required - Due Diligence Vendor-09/23/2022 | Waived-Funds to Close Requesting only 6 months of reserves. At 70% LTV, no reserves required - Due Diligence Vendor-09/23/2022<br>|  |  | XXXX | GA | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 928000 |  |  | Closed | 2022-09-23 13:23 | 2022-10-12 15:44 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Findings reopened in error - resolved - Due Diligence Vendor-10/12/2022 <br>Ready for Review-Please clear the exception as you have closed it on 10/3/22 - Seller-10/10/2022 <br>Open- - Due Diligence Vendor-10/05/2022 <br>Resolved-Financed 2.00 points - Due Diligence Vendor-10/03/2022 <br>Ready for Review-Document Uploaded. Please see the attached pricing validation 2 points financed. Please clear the exception. - Seller-09/30/2022 <br>Open-Audited LTV of 71.4% exceeds Guideline LTV of 70% - Due Diligence Vendor-09/23/2022 | Resolved-Findings reopened in error - resolved - Due Diligence Vendor-10/12/2022 <br>Resolved-Financed 2.00 points - Due Diligence Vendor-10/03/2022<br>| XXXX XXXX XXXX_2022_09_30_@02_15_11.pdf |  |  | GA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 928011 |  |  | Closed | 2022-10-04 07:35 | 2022-12-16 19:39 | Waived | 2 - Non-Material C B | Credit | Assets | Asset General | Waived-Received exception form, finding has been waived per exception report. - Due Diligence Vendor-12/16/2022 <br> Waived- - Due Diligence Vendor-10/11/2022 <br> Ready for Review-Document Uploaded. Please see the attached loan exception regarding the 50K loan does not meet Equity requirement. Please clear the condition. - Seller-10/07/2022 <br> Open-Minimum Equity we need 50K loan does not meet Equity requirement. But we have Loan exception document page no: 172 - Due Diligence Vendor-10/04/2022 | Waived-Received exception form, finding has been waived per exception report. - Due Diligence Vendor-12/16/2022<br>| Loan Exception Form_2_XXXX_@08_16_01.pdf |  | XXXX | TX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 928011 |  |  | Closed | 2022-10-04 08:25 | 2022-12-16 19:37 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Per client comments and documentation, finding has been resolved and cleared - Due Diligence Vendor-12/16/2022 <br>Ready for Review-Document Uploaded. DISAGREE: Please find attached COC LE dated 9/23/22 showing increase in appraisal fee from $800 to $1100. - Seller-10/14/2022 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Appraisal Fee changed from initial LE $800 to Revised LE $1100 due to this we are getting this finding - Due Diligence Vendor-10/04/2022 | Resolved-Per client comments and documentation, finding has been resolved and cleared - Due Diligence Vendor-12/16/2022<br>| XXXX LE 2.pdf |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 928011 |  |  | Closed | 2022-10-04 08:25 | 2022-12-16 19:37 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Per client comments and documentation, finding has been resolved and cleared - Due Diligence Vendor-12/16/2022 <br>Ready for Review-Document Uploaded. DISAGREE: Please find attached COC LE dated 9/23/22 showing increase in appraisal fee from $800 to $1100. - Seller-10/14/2022 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Appraisal Fee changed from initial LE $800 to Revised LE $1100 due to this we are getting this finding - Due Diligence Vendor-10/04/2022 | Resolved-Per client comments and documentation, finding has been resolved and cleared - Due Diligence Vendor-12/16/2022<br>| XXXX LE 2.pdf |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 928011 |  |  | Closed | 2022-10-04 08:25 | 2022-12-16 19:37 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Per client comments and documentation, finding has been resolved and cleared. - Due Diligence Vendor-12/16/2022 <br>Ready for Review-Document Uploaded. <br> DISAGREE: Please find attached COC LE dated 9/23/22 showing increase in appraisal fee from $800 to $1100. - Seller-10/14/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $300.00.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). Appraisal Fee changed from initial LE $800 to Revised LE $1100 due to this we are getting this finding. Please provide missing Change of circumstance - Due Diligence Vendor-10/04/2022 | Resolved-Per client comments and documentation, finding has been resolved and cleared. - Due Diligence Vendor-12/16/2022<br>| XXXX LE 2.pdf |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933360 |  |  | Closed | 2022-10-27 10:07 | 2022-11-01 19:36 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: File # is missing | Resolved-Final CD entered - Due Diligence Vendor-11/01/2022 <br> Ready for Review-Document Uploaded. Please see the corrected final cd for correct loan. Please clear the condition - Seller-10/31/2022 <br> Counter-Final CD uploaded is for Loan ID XXXX <br> Please send executed final CD for Loan ID # XXXX with closing date XXXX and disbursement date XXXX - Due Diligence Vendor-10/31/2022 <br> Ready for Review-Document Uploaded. Please see the attached final cd . Please clear the condition - Seller-10/31/2022 <br> Open-Final CD is not signed, because of which compliance did not run - Due Diligence Vendor-10/27/2022 | Resolved-Final CD entered - Due Diligence Vendor-11/01/2022<br>| Final XXXX Closing Disclosure_2022_10_31_@01_10_02.pdf<br> REDRAW-Final XXXX Closing Disclosure_2022_10_31_@04_42_03.pdf |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933360 |  |  | Closed | 2022-10-27 10:24 | 2022-11-01 18:26 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Client acknowledges and accepts. Resolved per instruction. - Due Diligence Vendor-11/01/2022 <br>Ready for Review-Acknowledged . Please clear the condition - Seller-10/31/2022 <br>Open-Liabilities which is listed on 1008(Conditional Approval) is $1897.48 - $1763 (Liabilities listed on final 1003) = Difference is $134.48 , the tradelines UNVL - 6398 from $210 to $107 and CITI-2861 has changed from $118 to $149. So over all difference is $206.48 which is making difference in DTI. - Due Diligence Vendor-10/27/2022 | Resolved-Client acknowledges and accepts. Resolved per instruction. - Due Diligence Vendor-11/01/2022<br>|  |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933361 |  |  | Closed | 2022-12-01 10:11 | 2022-12-23 14:55 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Resolved with bonus points - Due Diligence Vendor-12/05/2022 <br>Open- - Due Diligence Vendor-12/05/2022 <br>Resolved-Pricing sheet provided reflecting bonus points. LTV okay. Finding resolved. - Due Diligence Vendor-12/02/2022 <br>Ready for Review-Document Uploaded. this loan had financed points, which is why the LTV is showing over 80% at this time it was allowed but now there not allowing ltvs to exceed when there is financed points-<br>- Seller-12/02/2022 <br>Open-Audited LTV of 81.6% exceeds Guideline LTV of 80% Please provide exception for LTV. - Due Diligence Vendor-12/01/2022 | Resolved-Resolved with bonus points - Due Diligence Vendor-12/05/2022 <br>Resolved-Pricing sheet provided reflecting bonus points. LTV okay. Finding resolved. - Due Diligence Vendor-12/02/2022<br>| XXXX 30 Year Fixed_2022_12_02_@01_13_49.pdf |  |  | SC | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933361 |  |  | Closed | 2022-12-01 10:17 | 2023-03-10 21:38 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Updated with correct Initial 1003 dated. CE Elevated. Finding resolved. - Due Diligence Vendor-12/05/2022 <br> Ready for Review-Document Uploaded. Please see the attached 1003 and inform them this is the correct 1003 for this loan and the other one was provided in error. - Seller-12/02/2022 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Origination date updated as per initial 1003 originator sign date XXXX page no.81, And LE Sent on XXXX page no. 125 Initial doc like Home owner counseling date XXXX page no. 112 supporting to the initial LE. - Due Diligence Vendor-12/01/2022 | Resolved-Updated with correct Initial 1003 dated. CE Elevated. Finding resolved. - Due Diligence Vendor-12/05/2022<br>| XXXX 1003 XXXX.pdf |  |  | SC | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933361 |  |  | Closed | 2022-12-01 10:17 | 2022-12-05 14:37 | Resolved | 1 - Information C A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-Updated with correct Initial 1003 dated. CE Elevated. Finding resolved. - Due Diligence Vendor-12/05/2022 <br>Ready for Review-Document Uploaded. Please see the attached 1003 and inform them this is the correct 1003 for this loan and the other one was provided in error. - Seller-12/02/2022 <br>Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page: NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. Origination date updated as per initial 1003 originator sign date 08/26/22 page no.81, And LE Sent on 09/07/22 page no. 125 Initial doc like Home owner counseling date 09/07/22 page no. 112 supporting to the initial LE. - Due Diligence Vendor-12/01/2022 | Resolved-Updated with correct Initial 1003 dated. CE Elevated. Finding resolved. - Due Diligence Vendor-12/05/2022<br>| XXXX 1003 XXXX.pdf |  |  | SC | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933361 |  |  | Closed | 2022-12-01 10:17 | 2022-12-05 14:37 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Resolved-Updated with correct Initial 1003 dated. CE Elevated. Finding resolved. - Due Diligence Vendor-12/05/2022 <br>Ready for Review-Document Uploaded. Please see the attached 1003 and inform them this is the correct 1003 for this loan and the other one was provided in error. - Seller-12/02/2022 <br>Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: (12 CFR §1026.19(e)(1)(vi))The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.19(e)(1)(e)(1)(iii) §1026.2(a)(6) and as it relates to §1026.19(a)(1)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii). Origination date updated as per initial 1003 originator sign date 08/26/22 page no.81, And LE Sent on 09/07/22 page no. 125 Initial doc like Home owner counseling date 09/07/22 page no. 112 supporting to the initial LE. - Due Diligence Vendor-12/01/2022 | Resolved-Updated with correct Initial 1003 dated. CE Elevated. Finding resolved. - Due Diligence Vendor-12/05/2022<br>| XXXX 1003 XXXX.pdf |  |  | SC | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933361 |  |  | Closed | 2022-12-01 10:17 | 2022-12-05 14:37 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Updated with correct Initial 1003 dated. CE Elevated. Finding resolved. - Due Diligence Vendor-12/05/2022 <br> Ready for Review-Document Uploaded. Please see the attached 1003 and inform them this is the correct 1003 for this loan and the other one was provided in error. - Seller-12/02/2022 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Initial LE is not considering in compliance run for all Fees.<br> As Origination date updated as per initial 1003 originator sign date XXXX page no.81, And LE Sent on XXXX page no. 125 Initial doc like Home owner counseling date XXXX page no. 112 supporting to the initial LE. - Due Diligence Vendor-12/01/2022 | Resolved-Updated with correct Initial 1003 dated. CE Elevated. Finding resolved. - Due Diligence Vendor-12/05/2022<br>| XXXX 1003 XXXX.pdf |  |  | SC | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933361 |  |  | Closed | 2022-12-01 10:17 | 2022-12-05 14:37 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Updated with correct Initial 1003 dated. CE Elevated. Finding resolved. - Due Diligence Vendor-12/05/2022 <br> Ready for Review-Document Uploaded. Please see the attached 1003 and inform them this is the correct 1003 for this loan and the other one was provided in error. - Seller-12/02/2022 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Initial LE is not considering in compliance run for all Fees.<br> As Origination date updated as per initial 1003 originator sign date XXXX page no.81, And LE Sent on XXXX page no. 125 Initial doc like Home owner counseling date XXXX page no. 112 supporting to the initial LE. - Due Diligence Vendor-12/01/2022 | Resolved-Updated with correct Initial 1003 dated. CE Elevated. Finding resolved. - Due Diligence Vendor-12/05/2022<br>| XXXX 1003 XXXX.pdf |  |  | SC | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933361 |  |  | Closed | 2022-12-01 10:17 | 2022-12-05 14:37 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Updated with correct Initial 1003 dated. CE Elevated. Finding resolved. - Due Diligence Vendor-12/05/2022 <br> Ready for Review-Document Uploaded. Please see the attached 1003 and inform them this is the correct 1003 for this loan and the other one was provided in error. - Seller-12/02/2022 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $25,728.00.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). Initial LE is not considering in compliance run for all Fees.<br> As Origination date updated as per initial 1003 originator sign date XXXX page no.81, And LE Sent on XXXX page no. 125 Initial doc like Home owner counseling date XXXX page no. 112 supporting to the initial LE. - Due Diligence Vendor-12/01/2022 | Resolved-Updated with correct Initial 1003 dated. CE Elevated. Finding resolved. - Due Diligence Vendor-12/05/2022<br>| XXXX 1003 XXXX.pdf |  |  | SC | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933361 |  |  | Closed | 2022-12-01 10:17 | 2023-01-10 23:36 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Compliance test has passed, finding has been resolved and cleared. - Due Diligence Vendor-01/10/2023 <br> Ready for Review-Document Uploaded. Please see the attached 1003 and inform them this is the correct 1003 for this loan and the other one was provided in error. - Seller-12/02/2022 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($3,131.00) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Initial LE is not considering in compliance run for all Fees.<br> As Origination date updated as per initial 1003 originator sign date XXXX page no.81, And LE Sent on XXXX page no. 125 Initial doc like Home owner counseling date XXXX page no. 112 supporting to the initial LE. - Due Diligence Vendor-12/01/2022 | Resolved-Compliance test has passed, finding has been resolved and cleared. - Due Diligence Vendor-01/10/2023<br>| XXXX 1003 XXXX.pdf |  |  | SC | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933361 |  |  | Closed | 2022-12-01 10:17 | 2022-12-05 14:37 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Updated with correct Initial 1003 dated. CE Elevated. Finding resolved. - Due Diligence Vendor-12/05/2022 <br> Ready for Review-Document Uploaded. Please see the attached 1003 and inform them this is the correct 1003 for this loan and the other one was provided in error. - Seller-12/02/2022 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Initial LE is not considering in compliance run for all Fees.<br> As Origination date updated as per initial 1003 originator sign date XXXX page no.81, And LE Sent on XXXX page no. 125 Initial doc like Home owner counseling date XXXX page no. 112 supporting to the initial LE. - Due Diligence Vendor-12/01/2022 | Resolved-Updated with correct Initial 1003 dated. CE Elevated. Finding resolved. - Due Diligence Vendor-12/05/2022<br>| XXXX 1003 XXXX.pdf |  |  | SC | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933361 |  |  | Closed | 2022-12-01 18:21 | 2022-12-05 14:39 | Resolved | 1 - Information C A | Compliance | Compliance | TRID LE date violation; missing initial Loan Estimate; unable to determine TRID date of compliance | Resolved-Initial 1003 provided. Updated TRID. CE Elevated. Finding resolved. - Due Diligence Vendor-12/05/2022 <br>Ready for Review-Document Uploaded. Please see the attached 1003 and inform them this is the correct 1003 for this loan and the other one was provided in error. - Seller-12/02/2022 <br>Open-Please provide initial LE and any subsequent LE's CDs that may not have been provided. only 1 LE included in file with a rate lock date that expires well before loan closes. - Due Diligence Vendor-12/01/2022 | Resolved-Initial 1003 provided. Updated TRID. CE Elevated. Finding resolved. - Due Diligence Vendor-12/05/2022<br>| XXXX 1003 XXXX.pdf |  |  | SC | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933363 |  |  | Closed | 2022-10-28 07:38 | 2022-10-28 18:57 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $150000 EXCEPTION ON XXXX, GL $150K MIN LOAN AMOUNT<br> - Due Diligence Vendor-10/28/2022 | Waived-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $150000 EXCEPTION ON XXXX, GL $150K MIN LOAN AMOUNT<br> - Due Diligence Vendor-10/28/2022 |  |  | XXXX | KS | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Pre-Close | Yes |
| XXXX | 933363 |  |  | Closed | 2022-10-28 09:14 | 2022-12-16 20:34 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Per client comment and documentation on file, the finding has been cleared and resolved. - Due Diligence Vendor-12/16/2022 <br> Ready for Review-DISAGREE: The Final CD clearly shows a consummation date of XXXX and a disbursement date of XXXX. Furthermore, the $46.00 fee cited in the exception is not a recording fee, but instead a Release of Recorded Lien fee, which does not fit into the definition of a recording fee as it is a release of lien. Therefore, it is not subject to any tolerance under Reg-Z.<br>- Seller-11/08/2022 <br> Counter-Please provide a COC for the Record Release of Satisfaction on Section H for $46. - Due Diligence Vendor-11/04/2022 <br> Ready for Review-DISAGREE WITH EXCEPTION: Recording fees increased at closing from $250 to $275. Applying the 10% aggregate tolerance, the $275 recording fee charged to the borrower were within this tolerance. The remaining $52 recording charges were paid by "Other" and should not be included in the borrower fees tolerance test. Note: No other charged fee would be aggregated with the Recording Fees on this loan.<br>- Seller-11/03/2022 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-10/28/2022 | Resolved-Per client comment and documentation on file, the finding has been cleared and resolved. - Due Diligence Vendor-12/16/2022<br>|  |  |  | KS | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 933363 |  |  | Closed | 2022-10-28 09:14 | 2022-12-16 20:34 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Per client comment and documentation on file, the finding has been cleared and resolved. - Due Diligence Vendor-12/16/2022 <br> Ready for Review-DISAGREE: The Final CD clearly shows a consummation date of XXXX and a disbursement date of XXXX. Furthermore, the $46.00 fee cited in the exception is not a recording fee, but instead a Release of Recorded Lien fee, which does not fit into the definition of a recording fee as it is a release of lien. Therefore, it is not subject to any tolerance under Reg-Z.<br>- Seller-11/08/2022 <br> Counter-Please provide a COC for the Record Release of Satisfaction on Section H for $46. - Due Diligence Vendor-11/04/2022 <br> Ready for Review-DISAGREE WITH EXCEPTION: Recording fees increased at closing from $250 to $275. Applying the 10% aggregate tolerance, the $275 recording fee charged to the borrower were within this tolerance. The remaining $52 recording charges were paid by "Other" and should not be included in the borrower fees tolerance test. Note: No other charged fee would be aggregated with the Recording Fees on this loan.<br>- Seller-11/03/2022 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-10/28/2022 | Resolved-Per client comment and documentation on file, the finding has been cleared and resolved. - Due Diligence Vendor-12/16/2022<br>|  |  |  | KS | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 933363 |  |  | Closed | 2022-10-28 09:14 | 2022-12-16 20:34 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Per client comment and documentation on file, the finding has been cleared and resolved. - Due Diligence Vendor-12/16/2022 <br> Ready for Review-DISAGREE: The Final CD clearly shows a consummation date of XXXX and a disbursement date of XXXX. Furthermore, the $46.00 fee cited in the exception is not a recording fee, but instead a Release of Recorded Lien fee, which does not fit into the definition of a recording fee as it is a release of lien. Therefore, it is not subject to any tolerance under Reg-Z.<br>- Seller-11/08/2022 <br> Counter-Document Uploaded. Please provide a COC for the Record Release of Satisfaction on Section H for $46. Please see attached screenshot - Due Diligence Vendor-11/04/2022 <br> Ready for Review-DISAGREE WITH EXCEPTION: Recording fees increased at closing from $250 to $275. Applying the 10% aggregate tolerance, the $275 recording fee charged to the borrower were within this tolerance. The remaining $52 recording charges were paid by "Other" and should not be included in the borrower fees tolerance test. Note: No other charged fee would be aggregated with the Recording Fees on this loan.<br>- Seller-11/03/2022 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($373.00) exceed the comparable charges ($327.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Please provide a COC for the releases recording of $46 - Due Diligence Vendor-10/28/2022 | Resolved-Per client comment and documentation on file, the finding has been cleared and resolved. - Due Diligence Vendor-12/16/2022<br>| Record Release Screenshot.png |  |  | KS | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 933371 |  |  | Closed | 2022-11-02 08:55 | 2022-11-19 02:06 | Waived | 2 - Non-Material B | Credit | Credit | Missing termite inspection | Waived-Request to waive termite inspection:<br> Compensating Factors :<br> # of months reserves = 6<br> DTI 41.91<br> LTV 81.60<br> FICO 704<br> Exception is on page. 186 - Due Diligence Vendor-11/02/2022 | Waived-Request to waive termite inspection:<br> Compensating Factors :<br> # of months reserves = 6<br> DTI 41.91<br> LTV 81.60<br> FICO 704<br> Exception is on page. 186 - Due Diligence Vendor-11/02/2022<br>|  |  | XXXX | CA | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 933371 |  |  | Closed | 2022-11-03 12:05 | 2022-11-07 16:40 | Resolved | 1 - Information C A | Credit | Credit | Assets not properly documented/insufficient | Resolved-Final Settlement Statement provided to support EMD amount. Updated screen. Finding resolved. - Due Diligence Vendor-11/07/2022 <br> Ready for Review-Document Uploaded. The total EMD was only $6,500. Please see attached Final Settlement Statement. - Seller-11/04/2022 <br> Open-Please provide the wire confirmation for the 30,000 for the Earnest Money deposit. Only found portion on page 769 in the amount of 6,500. Total EMD is XXXX Thank you - Due Diligence Vendor-11/03/2022 | Resolved-Final Settlement Statement provided to support EMD amount. Updated screen. Finding resolved. - Due Diligence Vendor-11/07/2022<br>| XXXX XXXX - XXXX-Final Settlement Statement.pdf |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933374 |  |  | Closed | 2022-11-29 11:47 | 2022-12-07 15:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 WVOE Missing | Resolved-WVOE not required therefor not missing. - Due Diligence Vendor-12/07/2022 <br>Resolved-Borrower 2 WVOE Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-12/07/2022 <br>Open-Borrower 2 WVOE Missing Cpa, WVoe, third Paty Voe not available in file. - Due Diligence Vendor-11/29/2022 | Resolved-WVOE not required therefor not missing. - Due Diligence Vendor-12/07/2022 <br>Resolved-Borrower 2 WVOE Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-12/07/2022<br>|  |  |  | OR | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 933375 |  |  | Closed | 2022-09-09 03:05 | 2022-10-31 15:52 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 8.2 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-10/31/2022 <br> Resolved-information received - updated - resolved - Due Diligence Vendor-10/31/2022 <br> Ready for Review-Gift funds of $70,013.51 are not used to satisfy reserves. Gift funds were for required cash from borrower as detailed on Final CD. Being that the funds to close/cash due from borrower were covered by the attached gift letter, the borrower's XXXX accounts XXXX and XXXX which are listed under the name XXXX XXXX XXXX, are sufficient for reserves. Please clear condition. - Seller-10/26/2022 <br> Counter-Per guidelines on page 119 gift funds may not be used to satisfy reserves requirement - Due Diligence Vendor-10/20/2022 <br> Ready for Review-Document Uploaded. Please see gift letter granting the borrower the necessary funds. - Seller-10/19/2022 <br> Counter-Document Uploaded. The statement on page 729 does not have the name XXXX XXXX XXXX as you highlighted please see attached screenshot - Due Diligence Vendor-09/14/2022 <br> Ready for Review-XXXX XXXX Bank Accounts for accounts ending XXXX, XXXX, XXXX, XXXX ARE in the borrower's name. Borrower is XXXX XXXX XXXX XXXX, name on account is XXXX XXXX XXXX. Borrower affirms on notarized Signature Affidavit and AKA Statement on page 1187 of file that she is also known as XXXX XXXX XXXX. This is a personal account that belongs to the borrower. As such borrower has full unrestricted access to funds in the account. No LOX is required. Please clear finding. - Seller-09/14/2022 <br> Open-Audited Reserves of 4.53 month(s) are less than Guideline Required Reserves of 6 month(s) The asset statement on page 729 does not belong to the borrower please confirm if this asset belongs to them and if we have an LOX for access to this account<br> - Due Diligence Vendor-09/12/2022 | Resolved-Audited Reserves of 8.2 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-10/31/2022 <br>Resolved-information received - updated - resolved - Due Diligence Vendor-10/31/2022<br>| XXXX Asset.png<br> Gift Letter_XXXX XXXX_XXXX XXXX.pdf |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933379 |  |  | Closed | 2022-10-11 08:40 | 2022-10-18 13:21 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception Request Type: 1.6% max LTV 80% - Due Diligence Vendor-10/18/2022 <br>Waived-Waiver acceptable - Due Diligence Vendor-10/14/2022 <br>Ready for Review-Document Uploaded. Please see the attached loan exception for the LTV being over by 1.6% max 80%. Please clear the exception. - Seller-10/14/2022 <br>Open-Audited LTV of 81.6% exceeds Guideline LTV of 80% - Due Diligence Vendor-10/11/2022 | Waived-Exception Request Type: 1.6% max LTV 80% - Due Diligence Vendor-10/18/2022 <br>Waived-Waiver acceptable - Due Diligence Vendor-10/14/2022<br>| XXXX Credit Exception Request Form_2022_10_14_@01_00_59.pdf |  | XXXX | IL | Primary Residence | Purchase | NA | XXXX | Originator Post-Close | Yes |
| XXXX | 933379 |  |  | Closed | 2022-10-11 10:09 | 2022-10-13 18:29 | Waived | 2 - Non-Material B | Compliance | Points & Fees | IL HRHLA High Risk Home Loan Negative Equity Test | Waived-Minimum guideline equity requirement is $50 000 loan is at $47 320. - Due Diligence Vendor-10/11/2022 | Waived-Minimum guideline equity requirement is $50 000 loan is at $47 320. - Due Diligence Vendor-10/11/2022<br>|  |  | XXXX | IL | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 933383 |  |  | Closed | 2022-12-13 14:34 | 2022-12-13 14:34 | Waived | 2 - Non-Material B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Borrower is using business account for reserves requirements, he doesn't have 60 day<br> seasoned funds, as the August 2022 bank statement shows a low balance. All other months<br> EOM statements show large balances. September statement show over $XXXX. - Due Diligence Vendor-12/13/2022 | Waived-Borrower is using business account for reserves requirements, he doesn't have 60 day<br> seasoned funds, as the August 2022 bank statement shows a low balance. All other months<br> EOM statements show large balances. September statement show over $XXXX. - Due Diligence Vendor-12/13/2022 |  |  | XXXX | CA | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 933396 |  |  | Closed | 2022-10-21 04:14 | 2022-10-27 18:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-10/25/2022 <br>Ready for Review-Document Uploaded. Please see the attached Patriot Act. Please clear the condition - Seller-10/25/2022 <br>Open-Borrower 1 Citizenship Documentation Is Missing Provide Borrower Identity Card or Updated USA Patriot Act Document - Due Diligence Vendor-10/21/2022 | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-10/25/2022<br>| USA Patriot Act_XXXX_@10_14_59.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933396 |  |  | Closed | 2022-10-21 04:24 | 2022-10-25 20:05 | Resolved | 1 - Information C A | Compliance | Closing | The Note is Not Executed | Resolved-The Note is Executed - Due Diligence Vendor-10/25/2022 <br>Ready for Review-Document Uploaded. Please see the attached executed note. Please clear the condition - Seller-10/25/2022 <br>Open-The Note is Not Executed Required updated Note Document with Borrower Signature. - Due Diligence Vendor-10/21/2022 | Resolved-The Note is Executed - Due Diligence Vendor-10/25/2022<br>| Note_XXXX_@10_12_05.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933396 |  |  | Closed | 2022-10-21 04:29 | 2022-10-25 20:03 | Resolved | 1 - Information C A | Compliance | Closing | The Deed of Trust is Not Executed | Resolved-The Deed of Trust is Executed - Due Diligence Vendor-10/25/2022 <br>Ready for Review-Document Uploaded. Please see the attached executed dot . Please clear the condition - Seller-10/25/2022 <br>Open-The Deed of Trust is Not Executed Required DOT Document with Borrower Signature. - Due Diligence Vendor-10/21/2022 | Resolved-The Deed of Trust is Executed - Due Diligence Vendor-10/25/2022<br>| Mortgage - Deed of Trust_XXXX_@10_13_06.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933396 |  |  | Closed | 2022-10-21 07:10 | 2022-10-25 19:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-10/25/2022 <br>Ready for Review-Document Uploaded. Please see the attached final cd. Please clear the condition - Seller-10/25/2022 <br>Open-TRID: Missing Final Closing Disclosure Required Final CD with Borrower Signature, Once Final Cd Provided we need to Run Compliance - Due Diligence Vendor-10/21/2022 | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-10/25/2022<br>| Final XXXX Closing Disclosure_XXXX_@10_16_36.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933396 |  |  | Closed | 2022-10-21 07:19 | 2022-10-27 18:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-10/26/2022 <br>Ready for Review-Document Uploaded. pLEASE SEE SIGNED 1003 BY BWR - Seller-10/25/2022 <br>Open- - Due Diligence Vendor-10/25/2022 <br>Ready for Review-Document Uploaded. Please see the attached final executed 1003. Please clear the condition - Seller-10/25/2022 <br>Open-The Final 1003 is Missing Required Final 1003 with Borrower Signature. - Due Diligence Vendor-10/21/2022 | Resolved-The Final 1003 is Present - Due Diligence Vendor-10/26/2022<br>| XXXX.pdf<br> Final Signed 1003 by Borrower_XXXX_@02_00_51.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933396 |  |  | Closed | 2022-10-25 19:51 | 2022-10-27 15:15 | Resolved | 1 - Information D A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-The LE dated XXXX doesn't have the same loan number as the file and therefore is not the Initial LE on file - Due Diligence Vendor-10/27/2022 <br> Ready for Review-DISAGREE WITH EXCEPTION: The $1395 underwriting was disclosed on every single LE and CD, from initial disclosures to final Closing Disclosure. The referenced "COC" on 9/19 was actually the initial Loan Estimate that was issued to the borrower with their initial disclosure package. - Seller-10/26/2022 <br> Counter- - Due Diligence Vendor-10/26/2022 <br> Ready for Review-The initial LE dated 09/16 did not include the underwriting fee and since the fee was subsequently added to the Revised LE on 09/19 we require a COC. Please refer to attached files - Due Diligence Vendor-10/26/2022 <br> Ready for Review-DISAGREE WITH EXCEPTION: The $1395 underwriting was disclosed on every single LE and CD, from initial disclosures to final Closing Disclosure. The referenced "COC" on 9/19 was actually the initial Loan Estimate that was issued to the borrower with their initial disclosure package.<br>- Seller-10/26/2022 <br> Open-Please provide a COC for the underwriting fee added on 09/19 for $1395 - Due Diligence Vendor-10/25/2022 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-10/25/2022 | Resolved-The LE dated XXXX doesn't have the same loan number as the file and therefore is not the Initial LE on file - Due Diligence Vendor-10/27/2022 |  |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933396 |  |  | Closed | 2022-10-25 19:51 | 2022-10-27 15:15 | Resolved | 1 - Information D A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Resolved - Due Diligence Vendor-10/27/2022 <br> Counter-The initial LE dated XXXX did not include the underwriting fee and since the fee was subsequently added to the Revised LE on 09/19 we require a COC. Please refer to attached files - Due Diligence Vendor-10/26/2022 <br> Ready for Review-DISAGREE WITH EXCEPTION: The $1395 underwriting was disclosed on every single LE and CD, from initial disclosures to final Closing Disclosure. The referenced "COC" on 9/19 was actually the initial Loan Estimate that was issued to the borrower with their initial disclosure package.<br>- Seller-10/26/2022 <br> Open-Please provide a COC for the underwriting fee added on 09/19 for $1395 - Due Diligence Vendor-10/25/2022 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-10/25/2022 | Resolved-Resolved - Due Diligence Vendor-10/27/2022<br>|  |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933396 |  |  | Closed | 2022-10-25 19:51 | 2022-10-27 15:15 | Resolved | 1 - Information D A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-The LE dated XXXX doesn't have the same loan number as the file and therefore is not the Initial LE on file - Due Diligence Vendor-10/27/2022 <br> Ready for Review-There was no changed circumstance. The underwriting fee had been consistently disclosed on every Loan Estimate and Closing disclosure beginning with the initial LE dated 9/19.<br>- Seller-10/26/2022 <br> Counter-Document Uploaded. - Due Diligence Vendor-10/26/2022 <br> Ready for Review-DISAGREE WITH EXCEPTION: The $1395 underwriting was disclosed on every single LE and CD, from initial disclosures to final Closing Disclosure. The referenced "COC" on 9/19 was actually the initial Loan Estimate that was issued to the borrower with their initial disclosure package.<br>- Seller-10/26/2022 <br> Open-Please provide a COC for the underwriting fee added on 09/19 for $1395 - Due Diligence Vendor-10/25/2022 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,395.00.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). - Due Diligence Vendor-10/25/2022 | Resolved-The LE dated 09/16/22 doesn't have the same loan number as the file and therefore is not the Initial LE on file - Due Diligence Vendor-10/27/2022<br>| LE_XXXX.png<br> LE_XXXX.png |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933396 |  |  | Closed | 2022-10-25 19:51 | 2022-10-27 15:15 | Resolved | 1 - Information D A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Resolved - Due Diligence Vendor-10/27/2022 <br> Counter-The initial LE dated XXXX did not include the underwriting fee and since the fee was subsequently added to the Revised LE on 09/19 we require a COC. Please refer to attached files - Due Diligence Vendor-10/26/2022 <br> Ready for Review-DISAGREE WITH EXCEPTION: The $1395 underwriting was disclosed on every single LE and CD, from initial disclosures to final Closing Disclosure. The referenced "COC" on 9/19 was actually the initial Loan Estimate that was issued to the borrower with their initial disclosure package.<br>- Seller-10/26/2022 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($227.00) exceed the comparable charges ($196.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-10/25/2022 | Resolved-Resolved - Due Diligence Vendor-10/27/2022<br>|  |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933411 |  |  | Closed | 2022-11-30 08:04 | 2022-11-30 19:41 | Waived | 2 - Non-Material B | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Waived-B1 does not have a 2-year history in the same line of work Borrower moved from XXXX to XXXX.<br> 25% borrowers own funds required plus 6 months reserves<br> Waiver page 177 - Due Diligence Vendor-11/30/2022 | Waived-B1 does not have a 2-year history in the same line of work Borrower moved from XXXX to XXXX.<br> 25% borrowers own funds required plus 6 months reserves<br> Waiver page 177 - Due Diligence Vendor-11/30/2022 |  |  | XXXX | CO | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 933422 |  |  | Closed | 2022-10-31 07:19 | 2022-11-10 16:54 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-system glitch - resolved - Due Diligence Vendor-11/10/2022 <br> Ready for Review-<br> 1) DISAGREE WITH EXCEPTION: Loan was closed on XXXX. Pen and ink changes were made on the XXXX changing the transaction date to XXXX and was initialed by the borrower. The expiration date of the rescission period was also changed XXXX and initialed by the borrowerXXXX allows the required three business days so there is no violation of Reg-Z, Sec 1026.23. <br>- Seller-11/08/2022 <br> Open-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-10/31/2022 | Resolved-system glitch - resolved - Due Diligence Vendor-11/10/2022<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 933422 |  |  | Closed | 2022-10-31 09:52 | 2022-11-01 16:35 | Waived | 2 - Non-Material C B | Credit | Assets | Asset General | Waived-Exception Provided - Due Diligence Vendor-11/01/2022 <br> Waived-12 months verification of rent required per guidelines - Due Diligence Vendor-11/01/2022 <br> Ready for Review-Document Uploaded. Please see the attached loan exception. Please clear the condition - Seller-11/01/2022 <br> Open-<br> 12 months verification of rent. Borrower lived in a property owned by a relative and didn't pay rent. This allowed borrower to save XXXX to buy her home in cash. She is doing this refinance to recoup some of the cash. She will have over XXXX in reserves after this refinance.<br> Credit exception request form #874 - Due Diligence Vendor-10/31/2022 | Waived-Exception Provided - Due Diligence Vendor-11/01/2022 <br>Waived-12 months verification of rent required per guidelines - Due Diligence Vendor-11/01/2022<br>| XXXX.pdf |  | XXXX | CA | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Post-Close | Yes |
| XXXX | 933422 |  |  | Closed | 2022-10-31 11:42 | 2022-11-01 16:32 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-11/01/2022 <br> Ready for Review-Document Uploaded. Please see the attached supplement . Please clear the condition - Seller-11/01/2022 <br> Ready for Review-Document Uploaded. Please see the attached ins policy .. please clear the condition - Seller-11/01/2022 <br> Open-Title Coverage Amount of $0 is Less than Total Amount of Subject Lien(s) Title policy cover amount is not provided in Title document and there is no supplement Title report provided. - Due Diligence Vendor-10/31/2022 | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-11/01/2022 | HOI-Invoice_XXXX_@07_46_51.pdf<br> Supplemental Report - Coverage Amount and Proposed.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 933422 |  |  | Closed | 2022-11-01 17:20 | 2022-11-03 12:31 | Resolved | 1 - Information D A | Property | Property | Subject property was listed for sale within a time period not allowed per guidelines | Resolved-THis was a purchase and a refinance - Due Diligence Vendor-11/03/2022 <br> Ready for Review-Guideline Quoted applies to borrower's listing property for sale and then removing the property from the market. This borrower purchased the property 2 months ago. The guideline XXXX quoted does not apply. - Seller-11/02/2022 <br> Open-per guidelines: For Refinance transactions properties must be off market for 6 months - previous sale was approx 2 months earlier. - Due Diligence Vendor-11/01/2022 | Resolved-THis was a purchase and a refinance - Due Diligence Vendor-11/03/2022<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 933462 |  |  | Closed | 2022-11-29 11:26 | 2022-11-30 14:40 | Resolved | 1 - Information C A | Credit | Credit | Assets not properly documented/insufficient | Resolved-Updated gift letter provided. Updated asset screen. Finding resolved. - Due Diligence Vendor-11/30/2022 <br> Ready for Review-Document Uploaded. Please see updated gift letter and clear finding. - Seller-11/29/2022 <br> Open-As per ALTA Settlement Statement #317, Gift of equity amount $61,000 reflecting. However, we have gift letter pg #154 for $XXXX. Kindly provide Gift letter for $11,000 or provide recent ALTA Settlement Statement with gift amount of $50,000 - Due Diligence Vendor-11/29/2022 | Resolved-Updated gift letter provided. Updated asset screen. Finding resolved. - Due Diligence Vendor-11/30/2022<br>| XXXX - Gift.pdf |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933491 |  |  | Closed | 2022-11-30 05:43 | 2022-12-23 14:46 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 103.48 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-12/23/2022 <br> Resolved-Reserves provided from the HUD; more than 6 months available - Due Diligence Vendor-12/01/2022 <br> Ready for Review-Document Uploaded. Borrower received $XXXX in cash proceeds from this transaction which were used to satisfy the reserves requirement. Please see attached HUD and clear finding. - Seller-12/01/2022 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) LTV greater than 65% 6 months reserves required. - Due Diligence Vendor-11/30/2022 | Resolved-Audited Reserves of 103.48 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-12/23/2022 <br>Resolved-Reserves provided from the HUD; more than 6 months available - Due Diligence Vendor-12/01/2022<br>| XXXX - Signed HUD.pdf |  |  | FL | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 933491 |  |  | Closed | 2022-11-30 05:56 | 2022-12-01 19:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-HUD provided; details entered - Due Diligence Vendor-12/01/2022 <br>Ready for Review-Document Uploaded. Please see attached HUD and clear finding. - Seller-12/01/2022 <br>Open-TRID: Missing Final Closing Disclosure Missing Final Closing Disclosure - Due Diligence Vendor-11/30/2022 | Resolved-HUD provided; details entered - Due Diligence Vendor-12/01/2022<br>| XXXX - Signed HUD.pdf |  |  | FL | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 933500 |  |  | Closed | 2022-11-29 06:41 | 2022-11-30 18:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Not required for DSCR loan - Due Diligence Vendor-11/30/2022 <br>Open- - Due Diligence Vendor-11/29/2022 <br>Rescinded-The Initial 1003 is Missing Loan Program is DSCR hence not required initial 1003 and Considered lock date 09/28/2022 as Initial Originator Signature Date and Date Creditor Received Application to avoid finding <br> - Due Diligence Vendor-11/29/2022 | Resolved-Not required for DSCR loan - Due Diligence Vendor-11/30/2022 <br>Rescinded-The Initial 1003 is Missing Loan Program is DSCR hence not required initial 1003 and Considered lock date 09/28/2022 as Initial Originator Signature Date and Date Creditor Received Application to avoid finding <br> - Due Diligence Vendor-11/29/2022<br>|  |  |  | TX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 933528 |  |  | Closed | 2022-11-14 07:21 | 2022-11-16 14:01 | Resolved | 1 - Information C A | Credit | Doc Issue | Data Discrepancy - Tape Data is Different to Original Document Data | Resolved-Client Acknowledged - resolved - Due Diligence Vendor-11/16/2022 <br>Ready for Review-we acknowledge. Please clear the condition - Seller-11/15/2022 <br>Open-The following items were a discrepancy on the data tape: Originator QM Status, Assets and Reserves. Please either update Tape data or acknowledge this finding. - Due Diligence Vendor-11/14/2022 | Resolved-Client Acknowledged - resolved - Due Diligence Vendor-11/16/2022<br>|  |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933528 |  |  | Closed | 2022-11-14 09:17 | 2023-01-06 15:58 | Waived | 2 - Non-Material B | Credit | Eligibility | Payment shock exceeds guideline | Waived-Loan exception form is in pg number #1024 "Ok with exception for payment shock over 300%, overall good credit profile and good income/dti" - Due Diligence Vendor-11/14/2022 | Waived-Loan exception form is in pg number #1024 "Ok with exception for payment shock over 300%, overall good credit profile and good income/dti" - Due Diligence Vendor-11/14/2022<br>|  |  | XXXX | CA | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 933528 |  |  | Closed | 2022-11-18 06:25 | 2022-11-18 20:36 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Client acknowledges and accepts DTI difference. Resolved. - Due Diligence Vendor-11/18/2022 <br>Ready for Review-We acknowledge the data difference. please clear exception. - Seller-11/18/2022 <br>Open-Primary expenses and all other monthly payments and monthly income is matching with conditional approval but HTI, DTI is not matching. Conditional Doc pg #1 reflecting HTI as 5.44 and DTI 8.39 whereas Diligence Final Look calculated HTI is 5.10 and DTI 8.04 reflecting. Conditional approval reflecting incorrect HTI/DTI. Provide conditional approval with correct HTI & DTI. - Due Diligence Vendor-11/18/2022 | Resolved-Client acknowledges and accepts DTI difference. Resolved. - Due Diligence Vendor-11/18/2022<br>|  |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933531 |  |  | Closed | 2022-11-14 09:04 | 2022-11-17 15:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable Homeownership Counseling Disclosure provided. Updated Disclosure screen. Finding resolved. - Due Diligence Vendor-11/17/2022 <br>Ready for Review-Document Uploaded. See attached Homeownership Counseling Disclosure. Please clear exception - Seller-11/16/2022 <br>Open-Please provide the HCO or the HCO acknowledgement - Due Diligence Vendor-11/16/2022 <br>Open-Homeownership Counseling Disclosure Is Missing from file - Due Diligence Vendor-11/14/2022 | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable Homeownership Counseling Disclosure provided. Updated Disclosure screen. Finding resolved. - Due Diligence Vendor-11/17/2022<br>| XXXX XXXX - XXXX- Homeownership Counseling Disclosure.pdf |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933531 |  |  | Closed | 2022-11-14 09:04 | 2022-11-17 15:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable Fired in error, updated entries - resolved - Due Diligence Vendor-11/16/2022 <br>Open-Consumer Caution and Home Owner Counseling Notice is Missing from file - Due Diligence Vendor-11/14/2022 | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable Fired in error, updated entries - resolved - Due Diligence Vendor-11/16/2022<br>|  |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933531 |  |  | Closed | 2022-11-15 15:07 | 2022-11-17 21:55 | Resolved | 1 - Information C A | Compliance | Compliance | TRID CD disclosure violation; missing loan amount on the Closing Disclosure. | Resolved-Initial CD provided. Updated TRID. Finding resolved. - Due Diligence Vendor-11/17/2022 <br>Ready for Review-Document Uploaded. Please see attached Initial Closing Disclosure. Please clear exception. - Seller-11/16/2022 <br>Open-Missing initial CD and any other CDs prior to Final. Please provide. - Due Diligence Vendor-11/15/2022 | Resolved-Initial CD provided. Updated TRID. Finding resolved. - Due Diligence Vendor-11/17/2022<br>| XXXX XXXX - XXXX- Inital Closing Disclosure.pdf |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933531 |  |  | Closed | 2022-11-17 22:04 | 2022-11-21 15:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial LE provided. Updated TRID. CE report is Minimal. Finding resolved. - Due Diligence Vendor-11/21/2022 <br> Ready for Review-Document Uploaded. see attached Initial LE dated XXXX - Seller-11/18/2022 <br> Open-The Initial Loan Estimate dated XXXX is missing from the file. Please provide. Thank you. - Due Diligence Vendor-11/17/2022 | Resolved-Initial LE provided. Updated TRID. CE report is Minimal. Finding resolved. - Due Diligence Vendor-11/21/2022<br>| XXXX XXXX - XXXX - Initial LE dated XXXXpdf |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933532 |  |  | Closed | 2022-12-05 12:47 | 2022-12-05 23:01 | Waived | 2 - Non-Material B | Credit | Eligibility | Payment shock exceeds guideline | Waived-Exception is on page#37:<br> Payment shock not to exceed 300%.<br> payment shock is at XXXX% however borrower owns several properties and we are hitting him full payments for all these properties and the DTI is still low. In addition, borrower is putting 30% down and has plenty of reserves. <br> - Due Diligence Vendor-12/05/2022 | Waived-Exception is on page#37:<br> Payment shock not to exceed 300%.<br> payment shock is at XXXX% however borrower owns several properties and we are hitting him full payments for all these properties and the DTI is still low. In addition, borrower is putting 30% down and has plenty of reserves. <br> - Due Diligence Vendor-12/05/2022 |  |  | XXXX | CA | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 933534 |  |  | Closed | 2022-12-01 11:51 | 2022-12-06 16:41 | Resolved | 1 - Information C A | Compliance | Data | The Initial 1003 is Incomplete | Resolved-Updated LO signature provided. Updated 1003 screen. Finding resolved. - Due Diligence Vendor-12/06/2022 <br> Ready for Review-Document Uploaded. See attached Initial 1003 Signed & dated by Loan Officer. Please clear this exception. - Seller-12/06/2022 <br> Counter-Per the Initial 1003 in file, the borrower signed on XXXX. The Final 1003 was signed by the borrower on XXXX. The LO signature on the document uploaded is signed XXXX. Please provide an updated Initial 1003 document with the correct date with the LO signature. Thank you. - Due Diligence Vendor-12/02/2022 <br> Ready for Review-Document Uploaded. see attached Broker signed initial 1003. Please clear exception - Seller-12/02/2022 <br> Open-LO's sign is missing from Initial 1003 which is on Page 828, kindly provide updated initial 1003. - Due Diligence Vendor-12/01/2022 | Resolved-Updated LO signature provided. Updated 1003 screen. Finding resolved. - Due Diligence Vendor-12/06/2022<br>| XXXX XXXX XXXX-Broker signed initial 1003.pdf<br> XXXX - XXXX-XXXX Initial 1003 Signed & dated by Loan Officer.pdf |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933536 |  |  | Closed | 2022-11-30 06:30 | 2022-12-13 23:55 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Ethnicity Selection is Not Provided | Resolved-Borrower 1 Ethnicity Selection is Provided - Due Diligence Vendor-12/13/2022 <br>Ready for Review-Document Uploaded. Please see attached 1003 reflecting Race and Ethnicity for both borrowers. Please clear this exception. - Seller-12/12/2022 <br>Open-Borrower 1 Ethnicity Selection is Not Provided - Due Diligence Vendor-11/30/2022 | Resolved-Borrower 1 Ethnicity Selection is Provided - Due Diligence Vendor-12/13/2022<br>| XXXX XXXX -1003 reflecting Race and Ethnicity for both borrowers.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933536 |  |  | Closed | 2022-11-30 06:30 | 2022-12-13 23:55 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Race Selection is Not Provided | Resolved-Borrower 1 Race Selection is Provided - Due Diligence Vendor-12/13/2022 <br>Ready for Review-Document Uploaded. Please see attached 1003 reflecting Race and Ethnicity for both borrowers. Please clear this exception. - Seller-12/12/2022 <br>Open-Borrower 1 Race Selection is Not Provided - Due Diligence Vendor-11/30/2022 | Resolved-Borrower 1 Race Selection is Provided - Due Diligence Vendor-12/13/2022<br>| XXXX XXXX -1003 reflecting Race and Ethnicity for both borrowers.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933536 |  |  | Closed | 2022-11-30 06:30 | 2022-12-13 23:55 | 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-12/13/2022 <br>Ready for Review-Document Uploaded. Please see attached 1003 reflecting Race and Ethnicity for both borrowers. Please clear this exception. - Seller-12/12/2022 <br>Open-Borrower 2 Ethnicity Selection is Not Provided - Due Diligence Vendor-11/30/2022 | Resolved-Borrower 2 Ethnicity Selection is Provided or is Not Applicable (Number of Borrowers is 2) - Due Diligence Vendor-12/13/2022<br>| XXXX XXXX -1003 reflecting Race and Ethnicity for both borrowers.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933536 |  |  | Closed | 2022-11-30 06:30 | 2022-12-13 23:55 | 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-12/13/2022 <br>Ready for Review-Document Uploaded. - Seller-12/12/2022 <br>Open-Borrower 2 Race Selection is Not Provided - Due Diligence Vendor-11/30/2022 | Resolved-Borrower 2 Race Selection is Provided or is Not Applicable (Number of Borrowers is 2) - Due Diligence Vendor-12/13/2022<br>| XXXX XXXX -1003 reflecting Race and Ethnicity for both borrowers.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933536 |  |  | Closed | 2022-11-30 11:43 | 2022-12-15 13:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Award Letter Missing | Resolved-Updated employment screen - Due Diligence Vendor-12/15/2022 <br> Resolved-Borrower 2 Award Letter Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-12/15/2022 <br> Ready for Review-Document Uploaded. See attached XXXX and XXXX Award Letters. Note: The XXXX benefits award letter is the most recent (from when borrower started to receive). Please clear this exception. - Seller-12/14/2022 <br> Counter-please provide the award letter reflecting the monthly amount and that income will continue, bank statement does not provide proof of continuity - Due Diligence Vendor-12/05/2022 <br> Ready for Review-Document Uploaded. see attached Bank Statement showing Direct Deposit for VA and Pension - Seller-12/02/2022 <br> Open-Copy of XXXX/XXXX Award Letter reflecting amount of monthly payment. Provide letter for Retirement income and XXXX comp to verify continuity and amount - Due Diligence Vendor-11/30/2022 | Resolved-Updated employment screen - Due Diligence Vendor-12/15/2022 <br>Resolved-Borrower 2 Award Letter Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-12/15/2022<br>| XXXX XXXX - Bank Stmt Direct Deposit for VA and Pension.pdf<br> XXXX XXXX - XXXX - XXXX and XXXX Award Letters.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933537 |  |  | Closed | 2022-12-15 06:36 | 2022-12-20 13:33 | Resolved | 1 - Information C A | Compliance | Closing | The Note is Not Executed | Resolved-Updated the Note Screen. - Due Diligence Vendor-12/20/2022 <br>Resolved-The Note is Executed - Due Diligence Vendor-12/20/2022 <br>Ready for Review-Document Uploaded. Please see executed Note. - Seller-12/16/2022 <br>Open-The Note is Not Executed Final borrower signature Note Document missing in file - Due Diligence Vendor-12/15/2022 | Resolved-Updated the Note Screen. - Due Diligence Vendor-12/20/2022 <br>Resolved-The Note is Executed - Due Diligence Vendor-12/20/2022<br>| XXXX XXXX - XXXX - Executed Note.pdf |  |  | UT | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933541 |  |  | Closed | 2022-11-17 09:16 | 2022-12-23 14:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-11/30/2022 <br>Ready for Review-Document Uploaded. Document Uploaded. Please see the attached final 1003. Please clear the condition - Seller-11/29/2022 <br>Ready for Review-Document Uploaded. Please see the attached final 1003. Please clear the condition - Seller-11/29/2022 <br>Open-The Final 1003 is Missing Final 1003 is Missing in File - Due Diligence Vendor-11/17/2022 | Resolved-The Final 1003 is Present - Due Diligence Vendor-11/30/2022<br>| XXXX.pdf<br> XXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 933541 |  |  | Closed | 2022-11-17 09:16 | 2022-12-23 14:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/23/2022 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-11/30/2022 <br>Ready for Review-Document Uploaded. Please see the attached initial 1003 . Please clear the condition - Seller-11/29/2022 <br>Ready for Review-Please see the attached initial 1003 . Please clear the condition - Seller-11/29/2022 <br>Open-The Initial 1003 is Missing Initial 1003 is Missing in file - Due Diligence Vendor-11/17/2022 | Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/23/2022 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-11/30/2022<br>| INITIAL 1003 - SIGNED BY BORROWER LO.pdf_XXXX_@10_10_57.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 933541 |  |  | Closed | 2022-11-21 08:08 | 2022-12-05 13:17 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated the income and front end and back end DTI is now in line. back end is off by 0.18 not large enough to cause a change ok to proceed. - Due Diligence Vendor-12/05/2022 <br> Ready for Review-Document Uploaded. Please see the attached final approval please clear the condition - Seller-11/29/2022 <br> Open-DTI not being in line, need updated approval letter as the DTI are off Front end DTI is showing to be 13.42 with PITIA @ XXXX. with income @ XXXX. Back end is showing @ 27.86 with total @ 4096.42. Citi is showing monthly payment of 41.00 rather than 64.00 on the credit report. - Due Diligence Vendor-11/21/2022 | Resolved-Updated the income and front end and back end DTI is now in line. back end is off by 0.18 not large enough to cause a change ok to proceed. - Due Diligence Vendor-12/05/2022<br>| Final Approval_XXXX_@10_15_53.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 933541 |  |  | Closed | 2022-12-01 16:02 | 2022-12-14 18:25 | Resolved | 1 - Information C A | Credit | Credit | CLTV/LTV unknown | Resolved-Made the updates to the screen per the client. Made the BPO the primary and the appraisal the secondary. - Due Diligence Vendor-12/14/2022 <br> Ready for Review-Variance of 11.73% is not valid. The 10% variance tolerance applies to the appraised value used in the transaction. In this transaction, the conservative BPO value of $775,000 was used as the appraised value. By using the BPO value, the full appraisal then becomes the supporting appraisal product, and is not more than 10% lower than the BPO. No exception is required. Please clear finding. - Seller-12/13/2022 <br> Counter-Updated and using the value of XXXX. However we have a variance of 11.73 from the primary appraisal will need an exception for the variance. Thank you <br> - Due Diligence Vendor-12/09/2022 <br> Ready for Review-Document Uploaded. Please see attached BPO and clear condition. - Seller-12/08/2022 <br> Counter-Please provide the BPO used for qualifying property value - Due Diligence Vendor-12/06/2022 <br> Ready for Review-We did not use the appraisal of $XXXX we used the BPO value of XXXX on /27/22 which the LTV is correct. Please clear the condition - Seller-12/06/2022 <br> Counter-please provide updated 1008 with the correct LTV of 17.08<br> one in file is incorrect with 19.35 - Due Diligence Vendor-12/05/2022 <br> Ready for Review-Document Uploaded. Please see the attached final 1003. Please clear the condition - Seller-12/02/2022 <br> Open-The Diligence Final Look Page Qualifying LTV is 17.08% but the 1008 Page Qualifying LTV is 19.35%. Please confirm the correct qualifying property value flag was chosen. Require final 1003 document as the same is missing and unable to verify the liabilities which are paid-off during the closing by borrower as well as unable to verify the net rental income generated to qualify the LTV requirements - Due Diligence Vendor-12/01/2022 | Resolved-Made the updates to the screen per the client. Made the BPO the primary and the appraisal the secondary. - Due Diligence Vendor-12/14/2022<br>| Final Signed 1003_2022_12_02_@09_40_35.pdf<br> XXXX - Appraisal - BPO_2022_12_08_@11_07_52.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 933542 |  |  | Closed | 2022-11-23 07:08 | 2022-12-02 16:23 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 4.15 month(s) are greater than or equal to Guideline Required Reserves of 0 month(s) - Due Diligence Vendor-12/02/2022 <br> Resolved-Buyer purchased points, within the 2% window per guidelines. Using base loan amount of XXXX / appraised value of XXXX gives 75% LTV per Mortgage pricing Option Sheet. Resolved. - Due Diligence Vendor-12/02/2022 <br> Ready for Review-Document Uploaded. The actual LTV is 75%, therefore, 6 months reserves are not required. Please see attached COC. Please clear this exception - Seller-12/01/2022 <br> Open-Audited Reserves of 4.15 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-11/23/2022 | Resolved-Audited Reserves of 4.15 month(s) are greater than or equal to Guideline Required Reserves of 0 month(s) - Due Diligence Vendor-12/02/2022 <br> Resolved-Buyer purchased points, within the 2% window per guidelines. Using base loan amount of XXXX / appraised value of XXXX gives 75% LTV per Mortgage pricing Option Sheet. Resolved. - Due Diligence Vendor-12/02/2022 | XXXX XXXX-XXXX - Change of Circumstance.pdf |  |  | CO | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 933542 |  |  | Closed | 2022-11-23 11:12 | 2023-01-06 14:55 | Waived | 2 - Non-Material B | Compliance | State Reg | Interest Rate Test | Waived-Reason for Exception - We are working on getting the best rate for the borrower after having to extend his rate 2 times from 6.999%. (page no.533)<br>- Due Diligence Vendor-11/23/2022 | Waived-Reason for Exception - We are working on getting the best rate for the borrower after having to extend his rate 2 times from 6.999%. (page no.533)<br>- Due Diligence Vendor-11/23/2022<br>|  |  | XXXX | CO | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Pre-Close | Yes |
| XXXX | 933549 |  |  | Closed | 2022-11-21 12:17 | 2022-11-30 13:43 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-11/30/2022 <br> Ready for Review-Document Uploaded. Please see the attached title supplement. Please clear the condition - Seller-11/29/2022 <br> Open-Title Coverage Amount of $0 is Less than Total Amount of Subject Lien(s) Title Coverage Amount missing in title report page 455 - Due Diligence Vendor-11/21/2022 | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-11/30/2022 | Title Supplement_XXXX_@11_11_57.pdf |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 933549 |  |  | Closed | 2022-11-21 13:39 | 2023-01-11 14:22 | Waived | 2 - Non-Material B | Property | Property | Property Marketability Issues | Waived-Exception letter on page 37- exception to give cash out as the subject property was listed for sale 4 months ago. Under 6 months<br> - Due Diligence Vendor-11/21/2022 | Waived-Exception letter on page 37- exception to give cash out as the subject property was listed for sale 4 months ago. Under 6 months<br> - Due Diligence Vendor-11/21/2022<br>|  |  | XXXX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Pre-Close | Yes |
| XXXX | 933551 |  |  | Closed | 2022-11-17 07:57 | 2023-01-12 17:52 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | NC Rate Spread Home Loan Test | Waived-Per External Counsel Appropriate to Waive as a B Grade - Due Diligence Vendor-01/12/2023 <br>Waived- - Due Diligence Vendor-12/23/2022 <br>Resolved- - Due Diligence Vendor-12/23/2022 <br>Waived-NC Rate Spread loan - Due Diligence Vendor-11/17/2022 <br>Open-This loan failed the NC rate spread home loan test.<br> (NC GS §24-1.1F(a)(7))<br> The loan is a rate spread home loan, as defined in the legislation. For more information please see the North Carolina Rate Spread Home Loan Article section of the full ComplianceAnalyzer report.<br>While the North Carolina 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. - Due Diligence Vendor-11/17/2022 | Waived-Per External Counsel Appropriate to Waive as a B Grade - Due Diligence Vendor-01/12/2023 <br>Waived-NC Rate Spread loan - Due Diligence Vendor-11/17/2022<br>|  |  |  | NC | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | No |
| XXXX | 933553 |  |  | Closed | 2022-11-29 12:45 | 2022-11-29 12:46 | Waived | 2 - Non-Material B | Credit | Credit | Assets requirement other than reserves not met | Waived-Page 932<br> - Less than 50k in Equity - Due Diligence Vendor-11/29/2022 | Waived-Page 932<br> - Less than 50k in Equity - Due Diligence Vendor-11/29/2022<br>|  |  | XXXX | IL | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 933554 |  |  | Closed | 2022-11-14 04:51 | 2022-11-15 20:43 | Resolved | 1 - Information C A | Compliance | Closing | The Note is Not Executed | Resolved-Executed Note provided. Updated Note screen. Finding resolved. - Due Diligence Vendor-11/15/2022 <br>Resolved-The Note is Executed - Due Diligence Vendor-11/15/2022 <br>Ready for Review-Document Uploaded. See attached executed Note - Seller-11/15/2022 <br>Open-The Note is Not Executed Required Updated Note with Borrower Signature - Due Diligence Vendor-11/14/2022 | Resolved-Executed Note provided. Updated Note screen. Finding resolved. - Due Diligence Vendor-11/15/2022 <br>Resolved-The Note is Executed - Due Diligence Vendor-11/15/2022<br>| XXXX XXXX - XXXX- executed Note.pdf |  |  | AZ | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933554 |  |  | Closed | 2022-11-14 07:40 | 2022-11-15 20:34 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-Updated Final 1003 provided with Borrower and LO signature. Updated 1003 screen. Finding resolved. - Due Diligence Vendor-11/15/2022 <br>Resolved-The Final 1003 is Executed - Due Diligence Vendor-11/15/2022 <br>Ready for Review-Document Uploaded. See attached Final 1003 - Seller-11/15/2022 <br>Open-The Final 1003 is Not Executed Required Updated Final 1003 with Borrower Signature - Due Diligence Vendor-11/14/2022 | Resolved-Updated Final 1003 provided with Borrower and LO signature. Updated 1003 screen. Finding resolved. - Due Diligence Vendor-11/15/2022 <br>Resolved-The Final 1003 is Executed - Due Diligence Vendor-11/15/2022<br>| XXXX XXXX - XXXX-Final 1003.pdf |  |  | AZ | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933554 |  |  | Closed | 2022-11-14 10:12 | 2022-11-15 20:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Closing Disclosure provided. Updated TRID. CE report is Elevated. Finding resolved. - Due Diligence Vendor-11/15/2022 <br>Ready for Review-Document Uploaded. Please see attached Initial Closing Disclosure. - Seller-11/15/2022 <br>Open-TRID: Missing Closing Disclosure Initial Closing Disclosure Missing in File <br> Once Initial CD Present Need to Run Compliance - Due Diligence Vendor-11/14/2022 | Resolved-Initial Closing Disclosure provided. Updated TRID. CE report is Elevated. Finding resolved. - Due Diligence Vendor-11/15/2022<br>| XXXX XXXX - XXXX-Initial Closing Disclosure.pdf |  |  | AZ | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933556 |  |  | Closed | 2022-11-18 15:07 | 2022-11-23 15:55 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Liabilities have been updated. Finding resolved. - Due Diligence Vendor-11/23/2022 <br>Ready for Review-Document Uploaded. Please see the attached car support document to show that it has been paid off by wells also see the credit report new auto lien accounted for in the liabilities, the payment is $1685.00 per the gap report - Seller-11/22/2022 <br>Open-Back end DTI of 35.07 does not include the auto payment in the amount of 842.<br> please provide updated 1008 with back end dti of 39.35% - Due Diligence Vendor-11/18/2022 | Resolved-Liabilities have been updated. Finding resolved. - Due Diligence Vendor-11/23/2022<br>| XXXX support.pdf<br> Gap Report.pdf |  |  | IL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933556 |  |  | Closed | 2022-11-18 19:00 | 2022-12-06 22:59 | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved-File updated no discrepancies - Due Diligence Vendor-12/06/2022 <br>Ready for Review-Document Uploaded. Please see the attached 1003 and income worksheet showing income of $19,664. Please clear the condition - Seller-12/06/2022 <br>Ready for Review-Document Uploaded. Please see the attached 1003 showing income of $19,664. Please clear the condition - Seller-12/06/2022 <br>Counter-Income on 1003($16 5347.36) does not match Approval and Income Calculation worksheet ($19 664). Please provide updated docs - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Document Uploaded. the notes on this worksheet the October month deposit were factored in and put in 10-2021 spot. Please clear the condition - Seller-11/28/2022 <br>Counter-Please provide an updated Approval Cert reflecting the updated income of $16,547.36 and updated DTI's reflecting Front End 31.50% and Back End 41.68%. DTI's have changed due to updated income. Thank you. - Due Diligence Vendor-11/23/2022 <br>Ready for Review-Document Uploaded. Please see the attached updated 1003 Please clear the condition - Seller-11/22/2022 <br>Open-The qualifying income on the provided lender worksheet($16,547.36) does not match the income on the final 1003 and the conditional approval document($19,644.00). Please proviide updated docs - Due Diligence Vendor-11/18/2022 | Resolved-File updated no discrepancies - Due Diligence Vendor-12/06/2022<br>| UPDATED SIGNED BY BORROWER_2022_11_22_@10_23_59.pdf<br> Final Approval.pdf<br> income worksheeet for XXXX.pdf<br> SIGNED BY BORROWER_2022_12_06_@02_07_51.pdf<br> IncomeDeskDoc_2_2022_12_06_@02_11_37.pdf |  |  | IL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933557 |  |  | Closed | 2022-12-02 19:43 | 2022-12-02 19:45 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan Amount does not meet eligibility requirement(s) | Waived-Minimum equity: Current equity is $48,000 per guideline minimum equity is $50 000.00 - Due Diligence Vendor-12/02/2022 | Waived-Minimum equity: Current equity is $48,000 per guideline minimum equity is $50 000.00 - Due Diligence Vendor-12/02/2022<br>|  |  | XXXX | FL | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 933560 |  |  | Closed | 2022-11-16 13:44 | 2022-12-15 12:53 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Assets updated, Finding resolved. - Due Diligence Vendor-12/15/2022 <br>Ready for Review-Document Uploaded. Please see the attached proof of reserves - Seller-12/14/2022 <br>Acknowledged-Client Acknowledges and Accepts. Resolved. - Due Diligence Vendor-11/18/2022 <br>Resolved-Client Acknowledges and accepts. Resolved. - Due Diligence Vendor-11/18/2022 <br>Ready for Review-acknowledged. Please clear - Seller-11/17/2022 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-11/16/2022 | Resolved-Assets updated, Finding resolved. - Due Diligence Vendor-12/15/2022 <br>Acknowledged-Client Acknowledges and Accepts. Resolved. - Due Diligence Vendor-11/18/2022 <br>Resolved-Client Acknowledges and accepts. Resolved. - Due Diligence Vendor-11/18/2022<br>| XXXX Funds to Close-Reserves.pdf_2_2022_12_14_@11_58_35.pdf<br> XXXX XXXX transaction history_2022_12_14_@12_03_03.pdf<br> XXXX XXXX 09-01 - 09-30_2022_12_14_@12_00_42.pdf<br> XXXX XXXX 10-01 - 10-31_2022_12_14_@11_59_51.pdf<br> XXXX XXXX 09-20 - 10-19_2022_12_14_@12_02_31.pdf |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933561 |  |  | Closed | 2022-12-02 14:28 | 2022-12-05 20:16 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Homeowner's Association Questionnaire | Resolved-confirmed Questionnaire not required - resolved - Due Diligence Vendor-12/05/2022 <br> Ready for Review-Document Uploaded. A Condo Questionnaire is not required for a detached Condo. See attached XXXX Response. Please clear this exception - Seller-12/05/2022 <br> Open-Please provide Condo Questionnaire - Due Diligence Vendor-12/02/2022 | Resolved-confirmed Questionnaire not required - resolved - Due Diligence Vendor-12/05/2022<br>| XXXX XXXX - XXXX - XXXX Response.pdf |  |  | MI | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933562 |  |  | Closed | 2022-11-23 04:10 | 2022-12-23 14:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/23/2022 <br>Resolved-Intial 1003 present not executed - fired in error - resolved - Due Diligence Vendor-12/05/2022 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/05/2022 <br>Open-The Initial 1003 is Missing - Due Diligence Vendor-11/23/2022 | Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/23/2022 <br>Resolved-Intial 1003 present not executed - fired in error - resolved - Due Diligence Vendor-12/05/2022 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/05/2022<br>|  |  |  | TX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 933562 |  |  | Closed | 2022-11-23 06:07 | 2022-12-02 15:43 | Resolved | 1 - Information C A | Compliance | State Reg | TX Constitution A6 Required Fees Test | Resolved-Updated Discount Points to Bona Fide. CE is Elevated. Finding resolved. - Due Diligence Vendor-12/02/2022 <br>Ready for Review-Document Uploaded. See attached Texas 50(a)(6) 2% Points Fees Worksheet. Loan is well below the 2% points and fees cap. Please clear exception - Seller-12/01/2022 <br>Open-This loan failed the required fees test. (Texas Constitution, Article 16, Section 50 (a)(6)(E) & (t)(4), as amended Jan. 2018)The loan requires the borrower(s) to pay, in addition to interest, fees to any person that are necessary to originate, evaluate, maintain, record, insure, or service the extension of credit that exceed 2% of the original principal amount, excluding fees for:An appraisal performed by a third party appraiser;A property survey performed by a state registered or licensed surveyor;A state base premium for a mortgagee policy of title insurance with endorsements established in accordance with state law, or a title examination report if its cost is less than the state base premium for a mortgagee policy of title insurance without endorsements established in accordance with state law. - Due Diligence Vendor-11/23/2022 | Resolved-Updated Discount Points to Bona Fide. CE is Elevated. Finding resolved. - Due Diligence Vendor-12/02/2022<br>| XXXX XXXX -_Texas 50(a)(6) 2% Points Fees Worksheet.xlsx |  |  | TX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 933563 |  |  | Closed | 2022-11-16 07:28 | 2022-12-23 14:19 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-System triggered previously resolved - Due Diligence Vendor-12/16/2022 <br> Open- - Due Diligence Vendor-12/16/2022 <br> Resolved-The gift funds aren't on the CD so considered not previously allocated. - Due Diligence Vendor-12/02/2022 <br> Ready for Review-Document Uploaded. - Seller-11/23/2022 <br> Counter-Document provided is same to what we already have in file. Reserve requirement of 6 months still not met. <br> Please provide exception or more recent than October bank statements for account #XXXX or more recent account info than September for biz bank statement ending in #XXXX - Due Diligence Vendor-11/23/2022 <br> Ready for Review-Document Uploaded. Please see the attached please clear the condition - Seller-11/21/2022 <br> Counter-Added business account XXXX tot he the assets and borrower is still short 5,682.59 for having the 6 months of reserves based off the recent bank statement for the business account ending in September. If there is a more recent one please provide. Thank you - Due Diligence Vendor-11/21/2022 <br> Ready for Review-Document Uploaded. Please see the attached Required Reserves of 6 month reserves. Please clear the condition - Seller-11/17/2022 <br> Ready for Review-Rescinded-Total Qualified Assets for Reserves Post-Close is less than $0 (Total Qualified Assets for Reserves Post-Close is $-67379.47). LRA must verify that all assets in file are properly entered, verify if transaction is a cash-out refinance and, if so, verify if guidelines permit cash out to be used as reserves. If allowed, indicate in file appropriately. Lastly, LRA must verify cash to close amount and To/From status on the Final Closing Disclosure Detail Page (Final CD To/From status is currently set as 'From') Total Qualified Assets for Reserves Post-Close is less than $0 (Total Qualified Assets for Reserves Post-Close is $-67379.47). <br> - Due Diligence Vendor-11/16/2022<br> - Seller-11/17/2022 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Cannot used gift funds for reserves please provide sufficient assets - Due Diligence Vendor-11/16/2022 | Resolved-System triggered previously resolved - Due Diligence Vendor-12/16/2022 <br>Resolved-The gift funds aren't on the CD so considered not previously allocated. - Due Diligence Vendor-12/02/2022<br>| XXXX.pdf<br> XXXX saving okt (4) (1).pdf_2022_11_21_@11_16_00.pdf<br> XXXX saving okt (4) (1).pdf_2022_11_23_@09_17_48.pdf |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933564 |  |  | Closed | 2022-11-28 13:51 | 2022-12-06 13:55 | Resolved | 1 - Information C A | Credit | Credit | CLTV/LTV unknown | Resolved-The Diligence Final Look Page Qualifying LTV matches the 1008 Page Qualifying LTV. using prior sale price of XXXX from 8/2022 - Due Diligence Vendor-12/06/2022 <br> Ready for Review-This was purchase subject just over a month ago for cash. Must use purchase price of #XXXX for value. Please clear the condition - Seller-12/05/2022 <br> Counter-Please provide an updated Loan Approval with the updated LTV. Per the uploaded approval and the approval in file LTV is 43.67%. We get 38.52% @ XXXX and 36.38 @ XXXX Please provide final/updated loan approval. - Due Diligence Vendor-11/30/2022 <br> Ready for Review-Document Uploaded. Please see the attached final loan approval. Please clear the condition - Seller-11/29/2022 <br> Open-Per the approval in file LTV should be 43.67. <br> We get 38.52% @ XXXX and 36.38 @ XXXX <br> Please provide final/updated loan approval - Due Diligence Vendor-11/28/2022 | Resolved-The Diligence Final Look Page Qualifying LTV matches the 1008 Page Qualifying LTV. using prior sale price of XXXX from 8/2022 - Due Diligence Vendor-12/06/2022 | Final Approval_2022_11_29_@02_29_15.pdf |  |  | WA | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 933565 |  |  | Closed | 2022-11-22 16:09 | 2022-12-02 18:44 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Proof of housing provided. since June of 2015 - Due Diligence Vendor-12/02/2022 <br>Ready for Review-Document Uploaded. Pease see the attached proof of housing history. Please clear the condition - Seller-11/29/2022 <br>Open-Housing History Does Not Meet Guideline Requirements please provide 12 months housing history for current residence 12 months canceled checks, VOM or VOR - Due Diligence Vendor-11/22/2022 | Resolved-Proof of housing provided. since June of 2015 - Due Diligence Vendor-12/02/2022<br>| XXXX XXXX XXXX - Partition Deed._2022_11_29_@11_24_54.pdf |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933565 |  |  | Closed | 2022-11-22 20:38 | 2022-12-06 23:02 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Approval now within acceptable tolerance - Due Diligence Vendor-12/06/2022 <br> Ready for Review-Document Uploaded. Please see the attached updated approval with DTI 47.50% Please clear - Seller-12/06/2022 <br> Counter-With GAP report DTIs are still off. please send updated approval with back end DTI of 47.71% as First progress was 10 is now 0 - Due Diligence Vendor-11/30/2022 <br> Ready for Review-Document Uploaded. Please see the attached XXXX still has a balance for $16.00 - Seller-11/29/2022 <br> Open-Please update approval with correct DTIs. per the Credit report 3 items have a zero balance now. XXXX XXXX is now 0 / XXXX XXXX is now zero / XXXX XXXX is now 0<br> Dti on approval 47.81% should actually be 47.50% - Due Diligence Vendor-11/22/2022 | Resolved-Approval now within acceptable tolerance - Due Diligence Vendor-12/06/2022<br>| Credit Report - Lender GAP_2022_11_29_@01_05_58.pdf<br> Final Approval_XXXX_@01_40_58 updated.pdf |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933566 |  |  | Closed | 2022-11-25 05:50 | 2022-12-23 14:37 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-Executed Final 1003 provided. Updated 1003 screen. Finding resolved. - Due Diligence Vendor-11/30/2022 <br> Resolved-The Final 1003 is Executed - 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 - Due Diligence Vendor-11/25/2022 | Resolved-Executed Final 1003 provided. Updated 1003 screen. Finding resolved. - Due Diligence Vendor-11/30/2022 <br>Resolved-The Final 1003 is Executed - Due Diligence Vendor-11/30/2022<br>| Final Signed 1003_2022_11_29_@01_49_50.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933569 |  |  | Closed | 2022-11-18 05:37 | 2022-11-28 22:47 | Resolved | 1 - Information C A | Compliance | Data | The Initial 1003 is Incomplete | Resolved-Document present - Due Diligence Vendor-11/28/2022 <br> Ready for Review-Document Uploaded. Please see the attached final signed 1003. Please clear the condition. This was in XXXX - Seller-11/28/2022 <br> Open-Initial 1003 available on page 49, but borrower's sign is missing on same (please check page no.58 and54). - Due Diligence Vendor-11/18/2022 | Resolved-Document present - Due Diligence Vendor-11/28/2022<br>| XXXX.pdf |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933569 |  |  | Closed | 2022-11-18 08:20 | 2022-11-30 15:50 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-11/28/2022 <br> Ready for Review-Document Uploaded. Please see the attached supplement showing the coverage amount. Please clear the condition - Seller-11/28/2022 <br> Open-Title Coverage Amount of $0 is Less than Total Amount of Subject Lien(s) Title report is showing - ALTA Extended Loan Policy (XXXX) (page no. 877) - Due Diligence Vendor-11/18/2022 | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-11/28/2022 | proposed insured_2022_11_28_@11_30_43.pdf |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933569 |  |  | Closed | 2022-11-18 09:48 | 2023-01-10 18:32 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-The provided document does not include the Lender Loan Information pages that reflect thew updated tax amounts. Please provide - Due Diligence Vendor-01/10/2023 <br> Resolved-info received - resolved - Due Diligence Vendor-11/30/2022 <br> Ready for Review-updated tax amounts from final 1003, pmt ltr, and appraisal as this is California and they go by assessed value XXXX x 1.25% = XXXX / 12 = XXXX per month taxes<br>DTI is still off by 0.06% - Due Diligence Vendor-11/30/2022 <br> Ready for Review-Document Uploaded. Please see the attached approval please clear the condition - Seller-11/29/2022 <br> Counter- - Due Diligence Vendor-11/28/2022 <br> Ready for Review-Document Uploaded. Please see the attached final 1003 and it does not show the $30,000 per year so DTI is not over the required max. Please clear the condition - Seller-11/28/2022 <br> Open-Tax amount updated from title page no. 879 of $14,505.80 per year and in 1008 and 1003 it showing $30,000 per year. which leads DTI Discrepancy. - Due Diligence Vendor-11/18/2022 | Resolved-The provided document does not include the Lender Loan Information pages that reflect thew updated tax amounts. Please provide - Due Diligence Vendor-01/10/2023 <br>Resolved-info received - resolved - Due Diligence Vendor-11/30/2022<br>| XXXX.pdf<br> Final Approval_2022_11_29_@09_40_55.pdf |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933573 |  |  | Closed | 2022-12-05 14:50 | 2022-12-23 15:56 | Waived | 2 - Non-Material B | Credit | Assets | Asset General | Waived-Minimum Equity:<br> House appraised for XXXX. The borrower would like to buy it for 15% down<br> because it appraised for 85k more than the PP. XXXX loan amount if possible<br> and a higher rate at 8.75 - Due Diligence Vendor-12/23/2022 <br> Waived-House appraised for XXXX. The borrower would like to buy it for 15% down<br> because it appraised for 85k more than the PP. XXXX loan amount if possible<br> and a higher rate at 8.75 - Due Diligence Vendor-12/05/2022 | Waived-Minimum Equity:<br> House appraised for XXXX. The borrower would like to buy it for 15% down<br> because it appraised for 85k more than the PP. XXXX loan amount if possible<br> and a higher rate at 8.75 - Due Diligence Vendor-12/23/2022 <br> Waived-House appraised for XXXX. The borrower would like to buy it for 15% down<br> because it appraised for 85k more than the PP. XXXX loan amount if possible<br> and a higher rate at 8.75 - Due Diligence Vendor-12/05/2022 |  |  | XXXX | ID | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 933573 |  |  | Closed | 2022-12-06 12:10 | 2022-12-08 22:58 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-lender calculation received. DTI not over guideline. - Due Diligence Vendor-12/08/2022 <br> Acknowledged-DTI Discrepancy is due to all three accounts listed, XXXX #XXXX, XXXX XXXX #XXXX and XXXX XXXX#XXXX having a balance of $0 on the Credit Report. Client acknowledged DTI discrepancy. - Due Diligence Vendor-12/07/2022 <br> Ready for Review-Document Uploaded. XXXX #XXXX and XXXX XXXX #XXXX payments were disclosed on the 1003. <br> XXXX XXXX#XXXX : Account is closed. The Underwriter added the payment for this account as there was no evidence account was paid off with zero balance. We acknowledge the data difference. See attached XXXX response. Please clear this exception. <br> - Seller-12/07/2022 <br> Open-XXXX #XXXX Monthly Payment not available<br> XXXX XXXX #XXXX Monthly Payment not available<br> XXXX XXXX#XXXX : Account is closed available on Pg no.526.<br> Since these liabilities changed there is a variance in DTI calculation. - Due Diligence Vendor-12/06/2022 | Resolved-lender calculation received. DTI not over guideline. - Due Diligence Vendor-12/08/2022 <br> Acknowledged-DTI Discrepancy is due to all three accounts listed, XXXX #XXXX, XXXX XXXX #XXXX and XXXX XXXX#XXXX having a balance of $0 on the Credit Report. Client acknowledged DTI discrepancy. - Due Diligence Vendor-12/07/2022 | XXXX XXXX - XXXX Response.pdf |  |  | ID | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933576 |  |  | Closed | 2022-12-06 21:16 | 2022-12-23 15:11 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 6.97 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-12/14/2022 <br> Resolved-Assets updated. Finding resolved. - Due Diligence Vendor-12/13/2022 <br> Ready for Review-Document Uploaded. See attached updated bank statement for account #XXXX. Please clear this exception. - Seller-12/12/2022 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Please provide exception or provide updated bank statement for account #XXXX. The last one we have is from 10/31. With this there are -18,411.55 in assets - Due Diligence Vendor-12/07/2022 | Resolved-Audited Reserves of 6.97 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-12/14/2022 <br>Resolved-Assets updated. Finding resolved. - Due Diligence Vendor-12/13/2022<br>| XXXX XXXX - XXXX-updated bank statement for account #XXXX.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933579 |  |  | Closed | 2022-12-06 04:27 | 2022-12-06 04:27 | Waived | 2 - Non-Material B | Credit | Eligibility | Payment shock exceeds guideline | Waived-Loan Exception page no: 894<br> Exception reason: Other and recommended exception for payment shock just over 300%, borrower has<br> an overall decent credit profile both mortgage and consumer. DTI is 39% and<br> borrower has been self employed for 15 years. <br> - Due Diligence Vendor-12/06/2022 | Waived-Loan Exception page no: 894<br> Exception reason: Other and recommended exception for payment shock just over 300%, borrower has<br> an overall decent credit profile both mortgage and consumer. DTI is 39% and<br> borrower has been self employed for 15 years. <br> - Due Diligence Vendor-12/06/2022<br>|  |  | XXXX | TX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 933580 |  |  | Closed | 2022-12-02 17:33 | 2022-12-02 17:35 | Waived | 2 - Non-Material B | Credit | Eligibility | Years on the job does not meet guideline requirements | Waived-Less than 2 years at part time job<br> waiver page 59 - Due Diligence Vendor-12/02/2022 | Waived-Less than 2 years at part time job<br> waiver page 59 - Due Diligence Vendor-12/02/2022<br>|  |  | XXXX | UT | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 933586 |  |  | Closed | 2022-11-18 11:13 | 2023-01-13 16:43 | Waived | 2 - Non-Material B | Credit | Assets | Asset General | Waived-Funds to Close <br>All funds for closing are coming from a gift. Borrower is a FTHB and is<br> required to bring 5% of their own funds to the closing table. - Due Diligence Vendor-11/18/2022 | Waived-Funds to Close <br>All funds for closing are coming from a gift. Borrower is a FTHB and is<br> required to bring 5% of their own funds to the closing table. - Due Diligence Vendor-11/18/2022<br>|  |  | XXXX | AZ | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 933589 |  |  | Closed | 2022-11-21 08:18 | 2022-11-21 21:39 | Waived | 2 - Non-Material B | Credit | Eligibility | Payment shock exceeds guideline | Waived-We have Exception for payment shock exceeding Guidelines on Page #16, which says Payment shock max 300% - current mtg pmt $2337 / max $7011 New mtg pmt $11,461 - Due Diligence Vendor-11/21/2022 | Waived-We have Exception for payment shock exceeding Guidelines on Page #16, which says Payment shock max 300% - current mtg pmt $2337 / max $7011 New mtg pmt $11,461 - Due Diligence Vendor-11/21/2022<br>|  |  | XXXX | FL | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 933589 |  |  | Closed | 2022-11-21 09:19 | 2022-11-30 15:08 | Resolved | 1 - Information B A | Credit | Doc Issue | USA Patriot Act Disclosure-Borrower Identification is Unexecuted | Resolved-Executed USA Patriot provided for both borrowers. Referenced on Fraud screen. Finding resolved. - Due Diligence Vendor-11/30/2022 <br>Ready for Review-Document Uploaded. Please see the attached patriot act. Please clear the condition - Seller-11/29/2022 <br>Open-We do not have final USA patriot Act in file, kindly provide final documentation. - Due Diligence Vendor-11/21/2022 | Resolved-Executed USA Patriot provided for both borrowers. Referenced on Fraud screen. Finding resolved. - Due Diligence Vendor-11/30/2022<br>| PATRIOT ACT_XXXX_@02_11_17.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933589 |  |  | Closed | 2022-11-21 09:25 | 2022-12-23 14:34 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-12/23/2022 <br>Resolved-The Final 1003 is Executed - Due Diligence Vendor-12/02/2022 <br>Resolved- - Due Diligence Vendor-12/02/2022 <br>Ready for Review-Document Uploaded. Both bwrs signed on the same line. Please clear the condition - Seller-11/30/2022 <br>Counter-The Final 1003 provided is executed by B1 but not B2. Please provide an updated Final 1003 that is executed by both borrowers. Thank you. - Due Diligence Vendor-11/30/2022 <br>Ready for Review-Document Uploaded. Please see the attached signed 1003. Please clear the condition - Seller-11/29/2022 <br>Open-The Final 1003 is Not Executed 1003 Final Signature is missing, kindly provide updated final 1003. - Due Diligence Vendor-11/21/2022 | Resolved-The Final 1003 is Executed - Due Diligence Vendor-12/23/2022 <br>Resolved-The Final 1003 is Executed - Due Diligence Vendor-12/02/2022<br>| SIGNED BY BORROWER_XXXX_@02_07_07.pdf<br> Both bwrs signed on the same line.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933589 |  |  | Closed | 2022-11-21 09:27 | 2022-11-30 15:04 | Resolved | 1 - Information C A | Compliance | Closing | The Deed of Trust is Not Executed | Resolved-Executed Deed of Trust provided. Updated Deed of Trust 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 Deed of trust document is not executed, kindly provide the signed Deed of Trust document. - Due Diligence Vendor-11/21/2022 | Resolved-Executed Deed of Trust provided. Updated Deed of Trust 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_XXXX_@02_08_18.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933589 |  |  | Closed | 2022-11-21 09:29 | 2022-11-30 14:46 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Resolved-Executed Initial Escrow Account Disclosure provided. Updated Disclosure screen. Finding resolved. - Due Diligence Vendor-11/30/2022 <br>Ready for Review-Document Uploaded. Please see the attached initial escrow account disc. Please clear the condition - Seller-11/29/2022 <br>Open-Initial Escrow Account Disclosure is not signed, kindly provide signed IEAD document. - Due Diligence Vendor-11/21/2022 | Resolved-Executed Initial Escrow Account Disclosure provided. Updated Disclosure screen. Finding resolved. - Due Diligence Vendor-11/30/2022<br>| Initial Escrow Acct Disclosure_XXXX_@02_12_29.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933589 |  |  | Closed | 2022-11-21 09:32 | 2022-11-30 15:06 | 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 is not signed, kindly provide signed note document. - Due Diligence Vendor-11/21/2022 | 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_XXXX_@02_10_01.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933589 |  |  | Closed | 2022-11-21 09:46 | 2022-12-02 12:47 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Within 1%, resolved. - Due Diligence Vendor-12/02/2022 <br>Ready for Review-Document Uploaded. Please see the attached 250 is ineligible deposits which was not use. Please clear the condition - Seller-11/29/2022 <br>Open-as per Lender worksheet, we have $200 in other section we do not have any supporting documents hence we are getting difference in HTI & DTI. - Due Diligence Vendor-11/21/2022 | Resolved-Within 1%, resolved. - Due Diligence Vendor-12/02/2022<br>| IncomeDeskDoc_XXXX_@02_16_37.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933589 |  |  | Closed | 2022-11-21 10:30 | 2022-11-30 14:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Executed Final CD provided. Updated Final Cd page and TRID. Finding resolved. - Due Diligence Vendor-11/30/2022 <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-11/30/2022 <br>Ready for Review-Document Uploaded. Please see the attached final cd . Please clear the condition - Seller-11/29/2022 <br>Open-TRID: Missing Closing Disclosure we have final Closing Disclosure in file, but it is not signed hence we are pending with CE Run, kindly provide signed Final CD. - Due Diligence Vendor-11/21/2022 | Resolved-Executed Final CD provided. Updated Final Cd page and TRID. Finding resolved. - Due Diligence Vendor-11/30/2022 <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-11/30/2022<br>| Final XXXX Closing Disclosure_XXXX_@02_14_08.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933589 |  |  | Closed | 2022-12-02 18:09 | 2022-12-02 20:35 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-12/02/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/02/2022 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/02/2022 | Resolved-Resolved - Due Diligence Vendor-12/02/2022<br>|  |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933589 |  |  | Closed | 2022-12-02 18:09 | 2022-12-02 20:35 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Resolved on compliance re-run - Due Diligence Vendor-12/02/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/02/2022 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/02/2022 | Resolved-Resolved on compliance re-run - Due Diligence Vendor-12/02/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/02/2022<br>|  |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933589 |  |  | Closed | 2022-12-02 18:09 | 2022-12-02 20:35 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Auto resovled with compliance re-run - Due Diligence Vendor-12/02/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/02/2022 <br>Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($548.50) exceed the comparable charges ($299.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-12/02/2022 | Resolved-Auto resovled with compliance re-run - Due Diligence Vendor-12/02/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/02/2022<br>|  |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933589 |  |  | Closed | 2022-12-02 18:09 | 2022-12-08 19:33 | Resolved | 1 - Information D A | Compliance | QM-ATR | Qualified Mortgage Safe Harbor Threshold | Resolved-Non QM loan - Due Diligence Vendor-12/08/2022 <br>Resolved- - Due Diligence Vendor-12/05/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/05/2022 <br>Rescinded-Non QM loan - Due Diligence Vendor-12/02/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/02/2022 <br>Rescinded-Non QM loan - Due Diligence Vendor-12/02/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/02/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/02/2022 <br>Rescinded-Non QM loan - Due Diligence Vendor-12/02/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/02/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/02/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/02/2022 <br>Rescinded-Non QM loan - Due Diligence Vendor-12/02/2022 <br>Open-This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §1026.43(b)(4), (e)(1))This loan does not qualify for a safe harbor. The loan has an APR of 8.788%. The APR threshold to qualify for a safe harbor is 8.500%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by 1.5 or more percentage points for a first-lien covered transaction, or by 3.5 or more percentage points for a subordinate-lien covered transaction. - Due Diligence Vendor-12/02/2022 | Resolved-Non QM loan - Due Diligence Vendor-12/08/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/05/2022 <br>Rescinded-Non QM loan - Due Diligence Vendor-12/02/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/02/2022 <br>Rescinded-Non QM loan - Due Diligence Vendor-12/02/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/02/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/02/2022 <br>Rescinded-Non QM loan - Due Diligence Vendor-12/02/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/02/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/02/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/02/2022 <br>Rescinded-Non QM loan - Due Diligence Vendor-12/02/2022<br>|  |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933589 |  |  | Closed | 2022-12-02 19:02 | 2022-12-08 19:34 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Disclosure Dates and Personal Delivery Validation Test | Resolved-Updated receipt date to match signature date (the 16th) and it resolved. - Due Diligence Vendor-12/08/2022 <br> Ready for Review-XXXX Compliance has reviewed the loan file and they don't see any disclosures matching the description from XXXX regarding "A Revised Loan Estimate Receipt Date that is after the Revised Loan Estimate Delivery Date; or The Initial Closing Disclosure Receipt Date that is after the Initial Closing Disclosure Delivery Date; or The Revised Closing Disclosure Receipt Date that is after the Revised Closing Disclosure Delivery Date". The timing of all disclosures in the loan file seems to be in line with regulatory expectations. Please clarify precisely what you are looking for?<br>- Seller-12/08/2022 <br> Open-This loan failed the TRID disclosure dates and personal delivery validation test.This loan contains either:A Revised Loan Estimate Receipt Date that is after the Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date that is after the Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date that is after the Revised Closing Disclosure Delivery Date.However, the method of delivery is marked as "Personal." Please review the loan data to ensure the dates and method of delivery are correct. - Due Diligence Vendor-12/02/2022 | Resolved-Updated receipt date to match signature date (the 16th) and it resolved. - Due Diligence Vendor-12/08/2022<br>|  |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933590 |  |  | Closed | 2022-11-10 06:25 | 2022-11-14 13:14 | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. Please see attached Desk Review. - Seller-11/11/2022 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per securitization requirements and CU Score, if present, is greater than 2.5 CDA is missing in file - Due Diligence Vendor-11/10/2022 | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-11/14/2022<br>| XXXX XXXX - XXXX-Desk Review.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 933590 |  |  | Closed | 2022-11-10 08:11 | 2022-11-18 19:18 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received issue cleared - resolved - Due Diligence Vendor-11/18/2022 <br> Ready for Review-Document Uploaded. See attached Final Closing Disclosure with disbursement date of XXXX. Please clear exception - Seller-11/17/2022 <br> Counter-This loan failed the TILA right of rescission test because per the ROR form the cancellation date is XXXX and per the final CD the disbursement date is XXXX. The borrower did not receive the full mandatory 3 day rescission period. - Due Diligence Vendor-11/16/2022 <br> Ready for Review-Document Uploaded. Please see XXXX Response. Please clear exception - Seller-11/15/2022 <br> Open-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-11/10/2022 | Resolved-PCCD received issue cleared - resolved - Due Diligence Vendor-11/18/2022<br>| XXXX XXXX - XXXX - XXXX Response.pdf<br> XXXX XXXX - XXXX-Final Closing Disclosure.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 933593 |  |  | Closed | 2022-12-06 05:03 | 2022-12-23 14:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-12/07/2022 <br>Ready for Review-Document Uploaded. see attached Final 1003 - Seller-12/07/2022 <br>Open-The Final 1003 is Missing - Due Diligence Vendor-12/06/2022 | Resolved-The Final 1003 is Present - Due Diligence Vendor-12/07/2022<br>| XXXX XXXX - Final 1003.pdf |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933593 |  |  | Closed | 2022-12-06 05:04 | 2022-12-13 12:46 | Resolved | 1 - Information C A | Compliance | Data | The Initial 1003 is Incomplete | Resolved-Updated signature date. Resolved. - Due Diligence Vendor-12/13/2022 <br>Ready for Review-Document Uploaded. Please see attached 1003 Signed by B2. Please clear this exception. - Seller-12/12/2022 <br>Open-B2 sign is missing in 1003 dated 11/07 page 100. - Due Diligence Vendor-12/06/2022 | Resolved-Updated signature date. Resolved. - Due Diligence Vendor-12/13/2022<br>| XXXX XXXX - 1003 Signed by B2.pdf |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933593 |  |  | Closed | 2022-12-06 05:16 | 2022-12-07 16:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-12/07/2022 <br>Ready for Review-Document Uploaded. see attached Note - Seller-12/07/2022 <br>Open-The Note is Missing - Due Diligence Vendor-12/06/2022 | Resolved-The Note is Present - Due Diligence Vendor-12/07/2022<br>| XXXX XXXX - Note.pdf |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933593 |  |  | Closed | 2022-12-06 05:17 | 2022-12-07 16:59 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-12/07/2022 <br>Ready for Review-Document Uploaded. see attached Deed of Trust - Seller-12/07/2022 <br>Open-The Deed of Trust is Missing - Due Diligence Vendor-12/06/2022 | Resolved-The Deed of Trust is Present - Due Diligence Vendor-12/07/2022<br>| XXXX XXXX - Deed of Trust.pdf |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933593 |  |  | Closed | 2022-12-06 06:59 | 2023-03-03 22:10 | 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-12/07/2022 <br>Ready for Review-Document Uploaded. please see attached Appraisal - Seller-12/07/2022 <br>Counter-Valuation provided is the UCDP. Please provide the core valuation for the subject property as it is missing from the file. Thank you. - Due Diligence Vendor-12/07/2022 <br>Ready for Review-Document Uploaded. please see attached Appraisal - UCDP - Seller-12/07/2022 <br>Open-None of the Valuation entries contain core valuation types. No Secondary Value or Additional Review Products have been selected, which are required for securitization. - Due Diligence Vendor-12/06/2022 | Resolved-The valuation entries contain one of the core valuation types or all appraisals are waived. - Due Diligence Vendor-12/07/2022<br>| XXXX XXXX - Appraisal - UCDP.pdf<br> XXXX XXXX - Appraisal.pdf |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933593 |  |  | Closed | 2022-12-06 06:59 | 2023-03-03 22:10 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Condition Resolved or Not Applicable. Secondary valuation provided. Updated Property screen. Finding resolved. - Due Diligence Vendor-12/07/2022 <br>Ready for Review-Document Uploaded. please see attached Appraisal - UCDP - Seller-12/07/2022 <br>Open-No Secondary Value or Additional Review Products have been selected, which are required for securitization. - Due Diligence Vendor-12/06/2022 | Resolved-Condition Resolved or Not Applicable. Secondary valuation provided. Updated Property screen. Finding resolved. - Due Diligence Vendor-12/07/2022<br>| XXXX XXXX - Appraisal - UCDP.pdf |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933593 |  |  | Closed | 2022-12-06 07:06 | 2022-12-07 18:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-12/07/2022 <br>Resolved-Flood Certificate is fully present - Due Diligence Vendor-12/07/2022 <br>Resolved-Flood Certificate is fully present - Due Diligence Vendor-12/07/2022 <br>Ready for Review-Document Uploaded. see attached Flood Cert - Seller-12/07/2022 <br>Open-Missing Flood Certificate - Due Diligence Vendor-12/06/2022 | Resolved-Flood Certificate is fully present - Due Diligence Vendor-12/07/2022 <br>Resolved-Flood Certificate is fully present - Due Diligence Vendor-12/07/2022 <br>Resolved-Flood Certificate is fully present - Due Diligence Vendor-12/07/2022<br>| XXXX XXXX - Flood Cert.pdf |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933593 |  |  | Closed | 2022-12-06 07:06 | 2022-12-07 18:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/07/2022 <br>Ready for Review-Document Uploaded. please see attached Hazard Insurance - Seller-12/07/2022 <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-12/06/2022 | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/07/2022<br>| XXXX XXXX - Hazard Insurance.pdf |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933593 |  |  | Closed | 2022-12-06 07:28 | 2022-12-07 21:41 | Resolved | 1 - Information C A | Credit | Credit | Assets not properly documented/insufficient | Resolved-Bank statements uploaded. Updated Assets screen. Finding resolved. - Due Diligence Vendor-12/07/2022 <br> Ready for Review-Document Uploaded. please see attached Bank stmts XXXX XXXX and XXXX XXXX - Seller-12/07/2022 <br> Open-Assets not properly documented/insufficient - XXXX XXXX - account document missing<br> XXXX XXXX - Account document have for only one month. - Due Diligence Vendor-12/06/2022 | Resolved-Bank statements uploaded. Updated Assets screen. Finding resolved. - Due Diligence Vendor-12/07/2022<br>| XXXX XXXX - Bank stmts for XXXX XXXX and XXXX XXXX.pdf |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933593 |  |  | Closed | 2022-12-06 07:36 | 2022-12-07 18:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Final CD provided. Updated TRID and Final Closing Disclosure screen. Finding resolved. - Due Diligence Vendor-12/07/2022 <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-12/07/2022 <br>Ready for Review-Document Uploaded. please see attached Final Closing Disclosure - Seller-12/07/2022 <br>Open-TRID: Missing Final Closing Disclosure - Due Diligence Vendor-12/06/2022 | Resolved-Final CD provided. Updated TRID and Final Closing Disclosure screen. Finding resolved. - Due Diligence Vendor-12/07/2022 <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-12/07/2022<br>| XXXX XXXX - Final Closing Disclosure.pdf |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933593 |  |  | Closed | 2022-12-06 07:55 | 2022-12-07 18:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-The Homeownership Counseling Disclosure has been provided. Updated Disclosures screen. Finding resolved. - Due Diligence Vendor-12/07/2022 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/07/2022 <br>Ready for Review-Document Uploaded. see attached Homeownership Counseling Disclosure - Seller-12/07/2022 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-12/06/2022 | Resolved-The Homeownership Counseling Disclosure has been provided. Updated Disclosures screen. Finding resolved. - Due Diligence Vendor-12/07/2022 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/07/2022<br>| XXXX XXXX - Homeownership Counseling Disclosure.pdf |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933593 |  |  | Closed | 2022-12-06 17:56 | 2022-12-23 15:39 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-HOUSING HISTORY DOES NOT MEET GUIDELINE REQUIREMENTS. Exception Document on page 133 - Due Diligence Vendor-12/23/2022 <br>Waived-Borrower has no 12 month housing history as per guidelines - Due Diligence Vendor-12/06/2022 | Waived-HOUSING HISTORY DOES NOT MEET GUIDELINE REQUIREMENTS. Exception Document on page 133 - Due Diligence Vendor-12/23/2022 <br>Waived-Borrower has no 12 month housing history as per guidelines - Due Diligence Vendor-12/06/2022<br>|  |  | XXXX | TX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 933593 |  |  | Closed | 2022-12-07 18:15 | 2022-12-07 18:40 | Resolved | 1 - Information C A | Credit | Doc Issue | Initial Escrow Acct Disclosure missing; loan has escrows | Resolved-The Initial Escrow Account Disclosure has been provided. Updated Disclosures screen. Finding resolved. - Due Diligence Vendor-12/07/2022 <br>Ready for Review-Document Uploaded. please see attached Initial Escrow Acct Disclosure - Seller-12/07/2022 <br>Open-The Initial Escrow Account Disclosure is missing from the file. Please provide. Thank you. - Due Diligence Vendor-12/07/2022 | Resolved-The Initial Escrow Account Disclosure has been provided. Updated Disclosures screen. Finding resolved. - Due Diligence Vendor-12/07/2022<br>| XXXX XXXX - Initial Escrow Acct Disclosure.pdf |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933593 |  |  | Closed | 2022-12-07 18:31 | 2022-12-07 20:28 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. received updated 1008, verified date -- resolved - Due Diligence Vendor-12/07/2022 <br>Ready for Review-Document Uploaded. - Seller-12/07/2022 <br>Open-1008 Document is Missing The 1008 Page Property Type is 'PUD' but the 1008 Page Proposed HOA dues are less than $1. Verify the HOA monthly fee amount. Condos, PUDs, and Townhomes customarily have monthly HOA fees. - We do not have any supporting document stating HOA amount. - Due Diligence Vendor-12/07/2022 | Resolved-The 1008 document is present in the loan file. received updated 1008, verified date -- resolved - Due Diligence Vendor-12/07/2022<br>| XXXX XXXX - 1008.pdf |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933596 |  |  | Closed | 2022-11-30 05:31 | 2022-12-05 13:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-12/05/2022 <br>Ready for Review-Document Uploaded. See attached Business License and CPA Letter for B2 - Seller-12/02/2022 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-11/30/2022 | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-12/05/2022<br>| XXXX XXXX - Business License and CPA Letter for B2.pdf |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933596 |  |  | Closed | 2022-11-30 06:54 | 2022-12-05 13:10 | Resolved | 1 - Information C A | Credit | Credit | Assets not properly documented/insufficient | Resolved-CD received data entered- resolved - Due Diligence Vendor-12/05/2022 <br>Ready for Review-Document Uploaded. see attached Final CD EMD of $32,039. Please clear exception - Seller-12/02/2022 <br>Open-As per Final 1003, Final CD EMD of $32,039 missing. - Due Diligence Vendor-11/30/2022 | Resolved-CD received data entered- resolved - Due Diligence Vendor-12/05/2022<br>| XXXX XXXX - XXXX - Final CD EMD of $32,039.pdf |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933597 |  |  | Closed | 2022-11-10 11:54 | 2022-11-14 21:21 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Client acknowledges the 45.00 discrepancy. No change in DTI that will cause change - Due Diligence Vendor-11/14/2022 <br>Ready for Review-We acknowledge the data difference, please clear this exception. - Seller-11/11/2022 <br>Open-PITIA $1,743.29 + Monthly liabilities $1,431/Income $10,881.88 = 31.49%.<br>There is $45 difference in all other monthly payments due to which we are getting DTI Discrepancy - Due Diligence Vendor-11/10/2022 | Resolved-Client acknowledges the 45.00 discrepancy. No change in DTI that will cause change - Due Diligence Vendor-11/14/2022<br>|  |  |  | GA | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 933598 |  |  | Closed | 2022-11-14 12:04 | 2022-11-17 21:16 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-updated fraud page. LOE provided for reason borrower is appearing on the watch list. - Due Diligence Vendor-11/17/2022 <br> Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-11/17/2022 <br> Ready for Review-Document Uploaded. Please see attached LOE for fraud report - Seller-11/17/2022 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Full cleared fraud report is required - fraud showing XXXX-XXXX STATUS: FAIL - page no. 711 - Due Diligence Vendor-11/14/2022 | Resolved-updated fraud page. LOE provided for reason borrower is appearing on the watch list. - Due Diligence Vendor-11/17/2022 <br>Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-11/17/2022<br>| XXXX XXXX - XXXX-LOE for fraud report.pdf |  |  | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 933598 |  |  | Closed | 2022-11-14 12:12 | 2022-11-17 21:18 | Resolved | 1 - Information C A | Credit | Credit | Letter of Explanation (Assets) missing or unexecuted | Resolved-Not needed reserves are not required - Due Diligence Vendor-11/17/2022 <br> Ready for Review-Document Uploaded. See attached XXXX Response. Please clear this exception - Seller-11/17/2022 <br> Open-LOX is required to use business account balance for reserves stating that business has no impact on use of balance from business account. - Due Diligence Vendor-11/14/2022 | Resolved-Not needed reserves are not required - Due Diligence Vendor-11/17/2022<br>| XXXX XXXX - XXXX - XXXX Response.pdf |  |  | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 933598 |  |  | Closed | 2022-11-14 12:36 | 2022-11-17 21:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Final CD provided. Updated TRID. CE report is Elevated. Finding resolved. - Due Diligence Vendor-11/17/2022 <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-11/17/2022 <br>Ready for Review-Document Uploaded. Please see attached Final Closing Disclosure - Seller-11/17/2022 <br>Open-TRID: Missing Final Closing Disclosure Need final CD none in file are executed - Due Diligence Vendor-11/14/2022 | Resolved-Final CD provided. Updated TRID. CE report is Elevated. Finding resolved. - Due Diligence Vendor-11/17/2022 <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-11/17/2022<br>| XXXX XXXX - XXXX-Final Closing Disclosure.pdf |  |  | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 933600 |  |  | Closed | 2022-12-06 19:50 | 2022-12-20 14:44 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Ethnicity Selection is Not Provided | Resolved-Borrower 1 Ethnicity Selection is Provided - Due Diligence Vendor-12/14/2022 <br>Ready for Review-Document Uploaded. Please see the attached please clear - Seller-12/14/2022 <br>Counter-Only race and sex are entered. ethnicity is still void of selection. - Due Diligence Vendor-12/13/2022 <br>Ready for Review-Document Uploaded. Please see the attached updated 1003 showing Ethnicity. Please clear the condition - Seller-12/12/2022 <br>Open-Borrower 1 Ethnicity Selection is Not Provided Please provide updated Final 1003 with Borrower 1 Ethnicity. Thank you. - Due Diligence Vendor-12/06/2022 | Resolved-Borrower 1 Ethnicity Selection is Provided - Due Diligence Vendor-12/14/2022<br>| Final Signed 1003 - BORROWER_XXXX_@03_14_11 updated.pdf<br> Final Signed 1003 - BORROWER_XXXX_@07_41_23 updated.pdf |  |  | GA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933600 |  |  | Closed | 2022-12-06 19:50 | 2022-12-20 14:44 | 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-12/20/2022 <br>Resolved-Borrower 2 Ethnicity Selection is Provided or is Not Applicable (Number of Borrowers is 2) - Due Diligence Vendor-12/14/2022 <br>Ready for Review-Document Uploaded. Please see the attached please clear - Seller-12/14/2022 <br>Counter-Only race and sex are entered. ethnicity is still void of selection. - Due Diligence Vendor-12/13/2022 <br>Ready for Review-Document Uploaded. Please see the attached updated 1003 showing Ethnicity. Please clear the condition - Seller-12/12/2022 <br>Open-Borrower 2 Ethnicity Selection is Not Provided Please provide updated Final 1003 with Borrower 2 Ethnicity. Thank you. - Due Diligence Vendor-12/06/2022 | Resolved-Borrower 2 Ethnicity Selection is Provided or is Not Applicable (Number of Borrowers is 2) - Due Diligence Vendor-12/20/2022 <br>Resolved-Borrower 2 Ethnicity Selection is Provided or is Not Applicable (Number of Borrowers is 2) - Due Diligence Vendor-12/14/2022<br>| Final Signed 1003 - BORROWER_XXXX_@03_14_11 updated bwr 2.pdf<br> Final Signed 1003 - BORROWER_XXXX_@07_41_23 updated.pdf |  |  | GA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933600 |  |  | Closed | 2022-12-07 14:31 | 2022-12-20 14:43 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Updated Final 1003 provided with Asset 2 removed. Updated Assets screen. Finding resolved. - Due Diligence Vendor-12/20/2022 <br>Ready for Review-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-12/20/2022 <br>Ready for Review-Document Uploaded. Please see the attached internal error for calculating cash reserves. Please clear the condition - Seller-12/14/2022 <br>Counter-The attached does not provide support for what the negative 16,255.56 is for. On the final 1003 it is showing as other. DO not see any transactions ;or negative checking for that amount. Thank you - Due Diligence Vendor-12/14/2022 <br>Ready for Review-Document Uploaded. Please see the attached CD to verify Proceeds of Sale. Please clear the condition. - Seller-12/13/2022 <br>Ready for Review-Document Uploaded. Please see the attached assets . Please clear the condition - Seller-12/13/2022 <br>Open-Asset Record 2 Does Not Meet G/L Requirements Unable to verify Asset 2 - Other - $-16,255.56. Please provide documentation for this asset. Thank you. - Due Diligence Vendor-12/07/2022 | Resolved-Updated Final 1003 provided with Asset 2 removed. Updated Assets screen. Finding resolved. - Due Diligence Vendor-12/20/2022<br>| assets - XXXX XXXX 10.14 - 11.10 2022.pdf_2_2022_12_12_@04_01_17.pdf<br> XXXX.pdf<br> XXXX.pdf |  |  | GA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 933600 |  |  | Closed | 2022-12-08 14:20 | 2022-12-20 14:42 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received copy of final HUD Net proceeds from sale of their home received in the amount of 118,330.26 made the update to the asset page. - Due Diligence Vendor-12/14/2022 <br> Ready for Review-Document Uploaded. Please see the attached CD to verify Proceeds of Sale. Please clear the condition. - Seller-12/13/2022 <br> Ready for Review-Document Uploaded. Please see the attached additional assets. Please clear the condition - Seller-12/13/2022 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Unable to verify Proceeds of Sale. Please provide a Final signed HUD or Bank Statement for the proceeds of sale. Final 1003 shows borrower getting $XXXX total. Page 410 in file shows the borrower is receiving $118,330.26. - Due Diligence Vendor-12/08/2022 | Resolved-Received copy of final HUD Net proceeds from sale of their home received in the amount of 118,330.26 made the update to the asset page. - Due Diligence Vendor-12/14/2022<br>| settlement statement on departing.pdf_2022_12_12_@04_02_33.pdf<br> XXXX.pdf |  |  | GA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |

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## Exhibit 99.23

[HOMES 2023-NQM2 ABS-15G](home-abs15g_031723.htm)

**EXHIBIT 99.23**

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| **Loan ID** | **Customer Loan ID** | **Borrower Name** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Primary Appraised Value** | **Value for LTV** | **Primary Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Vendor** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Total Adjusted Prior Purchase Price** |
| 925844 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | 2.6 |  |
| 925917 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 925963 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | 1 |  |
| 925999 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 925825 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 925864 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Average | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 925895 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |  |
| 925931 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 926129 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 927785 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 926143 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .014 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 926179 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | 2.6 |  |
| 926184 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 926191 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| 926183 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | 2.4 |  |
| 926142 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.055 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |
| 926233 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | .124 | XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  | XXXX | XXXX | -.018 | XXXX | High Risk | XXXX |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 926231 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | .203 | XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  | XXXX | XXXX | .095 | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 926185 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 926160 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 927901 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 926219 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| 926152 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 927896 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 |  |
| 927819 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.033 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 926227 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | -.013 | 94 | 0.06 | Other | XXXX | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 926190 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 926206 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | 1 |  |
| 926220 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 927747 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 927777 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | 1 |  |
| 926170 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |  |
| 927703 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 927804 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 927805 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | .216 | XXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |  |
| 927708 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 927773 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 927839 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | .000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 927802 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 927886 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| 928092 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |  |
| 927713 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 927714 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 927889 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |  |
| 927767 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 927706 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| 927754 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |  |
| 927891 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |  |
| 927729 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 927961 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| 927705 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 927768 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 927762 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 933375 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 927952 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 927977 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |  |
| 928001 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 928000 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 927983 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 928002 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 927993 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 927965 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 927974 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| 927985 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | 0.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 |  |
| 928011 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |  |
| 928006 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| 927956 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | .029 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 927987 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | 2.5 | XXXX |
| 927944 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 927990 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 927939 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| 927996 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |  |
| 933379 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 933383 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 933364 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |
| 933384 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 933396 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 933405 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 933370 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 933360 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.068 | XXXX | Average | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 |  |
| 933363 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |  |
| 933367 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 933422 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | XXXX |
| 933409 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| 933371 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.059 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 933419 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | 1.9 |  |
| 933404 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .017 | XXXX | Average | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 933416 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | 5 |  |
| 933597 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | .057 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |  |
| 933590 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |  |
| 933598 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 933554 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.3 |  |
| 933531 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 933528 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 933556 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| 933560 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 |  |
| 933563 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 933541 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | .133 | XXXX | 1004 URAR |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | n/a | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 933546 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 933551 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| 933529 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| 933586 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 933569 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .040 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| 933549 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 933561 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 933589 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .036 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 |  |
| 933565 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 933542 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 933553 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 933562 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| 933564 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | .000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 933567 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 933566 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .075 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |  |
| 933557 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 933593 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 933580 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 933571 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | .028 | XXXX | 1004 URAR |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 |  |
| 933602 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .154 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 933469 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 933491 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| 933473 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 933462 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |
| 933374 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 933500 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 933411 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 933413 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .097 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 933596 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 933536 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |  |
| 933527 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |
| 933534 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 933574 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 933592 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 933361 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Not Available | XXXX |  |  |  |  |  | XXXX | XXXX | -.266 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 933573 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .035 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 933539 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 933532 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | .000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 933594 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 933579 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| 933576 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |  |
| 933600 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 933537 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 |  |

---

## Exhibit 99.24

[HOMES 2023-NQM2 ABS-15G](home-abs15g_031723.htm)

**EXHIBIT 99.24**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **TILA Status** | **Application Date** | **TRID** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Citizenship Indicator** | **Co Borrower Citizenship Indicator** | **Co Borrower 2 Citizenship Indicator** | **Co Borrower 3 Citizenship Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower 2 Country Name** | **Co Borrower 3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **Originator DSCR** | **DSCR** | **Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **CPA Letter Flag** | **# of Months CPA verified income** | **WVOE Flag** | **# of Months WVOE** | **Right to Cancel Form Type** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?**  | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Date of Prior Sale** | **Days Since Prior Sale** | **Total Adjusted Prior Purchase Price** |
| 925844 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $7090.84 | XXXX |  | $1897.15 | 6.750% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 1 | $2706.96 | $1423.20 | XXXX |  |  |  |  | 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 |  |  |  |  | 2.6 | Manual Underwriting | No | Manual Underwriting |  | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.29 | 1.290 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 925917 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $9460.69 | XXXX |  | $1478.09 | 6.875% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 1 | $1082.40 | $602.04 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 697 |  |  |  |  |  |  | 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 | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.99 | 0.990 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 925963 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $10198.89 | XXXX |  | $1519.37 | 6.500% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 1 | $1272.84 | $1338.00 | XXXX | NV | $220.00 | 01/01/1900 |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 781 |  |  |  |  |  |  | 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 | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.92 | 0.920 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 925999 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $6930.53 | XXXX |  | $707.40 | 7.125% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 1 | $2514.48 | $1421.52 | XXXX | FL | $204.00 | 01/01/1900 |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio | 7 | XXXX | XXXX | 1 | 101 |  |  | 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 | 1.21 | 1.210 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 925825 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $4054.33 | XXXX |  | $599.49 | 5.999% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 1 | $1080.96 | $2467.20 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 5.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.68 | 1.680 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 925864 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 10937.88 | $12161.38 | XXXX | 8.358% | $2525.98 | 8.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  | United States | United States |  |  |  | 1 | $3633.48 | $1803.00 | XXXX | MI | $11.67 | 01/01/1900 |  | 19.17% | 19.39% | 19.39% | XXXX | XXXX | XXXX |  |  | 652 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 100.00% | 100.00% |  | Borrower - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified \|\| Co Borrower | Borrower - Executed 4506T Verified \|\| Co Borrower | Full Doc | 13 | XXXX | XXXX | 13 |  | 55 |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 10937.88 |  | 5.350% |  | 2.6 | Manual Underwriting | No | Manual Underwriting |  | No | 8.000% | 2 | 0 | 0 | 0 | 1 | 0 |  |  |  | Yes |  | 0.000 |  | N/A | No | NA |  | Yes | 46 | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 925895 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $4698.22 | XXXX |  | $750.39 | 7.250% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 1 | $802.08 | $695.04 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 | 2.7 | Manual Underwriting | No | Manual Underwriting |  | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.65 | 1.660 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 925931 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 7077 | $7796.15 | XXXX | 6.883% | $1730.76 | 6.625% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $5730.74 | 1 | $1992.96 | $1049.04 | XXXX |  |  |  |  | 35.55% | 35.55% | 35.55% | XXXX | XXXX |  |  |  | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 7077 |  | 5.180% |  | 1.1 | Manual Underwriting | No | Manual Underwriting |  | No | 6.625% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  | N/A | No | Yes | 135 | Yes | 135 | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 926129 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $17988.98 | XXXX |  | $1570.80 | 6.000% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 2 | $8667.96 | $1448.04 | 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 |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting |  | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.57 | 1.570 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 927785 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $12531.00 | XXXX |  | $1466.67 | 8.000% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 2 | $4674.96 | $1676.04 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 722 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting |  | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.4 | 1.400 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 926143 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $4689.87 | XXXX |  | $839.35 | 7.999% | Yes |  |  |  |  |  |  |  | Non Permanent Resident Alien |  |  |  | XXXX |  |  |  | $0.00 | 1 | $2254.56 | $236.04 | XXXX | OH | $251.00 | 01/01/1900 |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  |  |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.08 | 1.080 |  | N/A | No | NA |  | No |  | N/A | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | Employment Authorization Document (I-821D) |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 926179 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $11450.27 | XXXX |  | $2199.26 | 8.250% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 1 | $3654.00 | $3393.00 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 663 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.76 | 0.760 |  | N/A | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 926184 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $7347.75 | XXXX |  | $1535.93 | 6.500% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 1 | $2360.04 | $1350.96 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  | 2.5 | Manual Underwriting | No | Manual Underwriting |  | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.19 | 1.190 |  | N/A | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 926191 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $7583.92 | XXXX |  | $1270.46 | 6.500% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 1 | $1616.04 | $1134.00 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  | 1.5 | Manual Underwriting | No | Manual Underwriting |  | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.22 | 1.220 |  | N/A | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 926183 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $5104.63 | XXXX |  | $984.21 | 6.375% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 1 | $2019.36 | $1001.28 | XXXX |  |  |  |  | 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 |  |  |  |  | 2.4 | Manual Underwriting | No | Manual Underwriting |  | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.94 | 1.940 |  | N/A | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 926142 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $6918.31 | XXXX |  | $1559.47 | 7.000% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 2 | $7911.00 | $1448.04 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.11 | 1.110 |  | N/A | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 926233 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $6436.16 | XXXX |  | $1964.13 | 7.625% | Yes | Yes |  |  |  |  |  |  | US Citizen | US Citizen |  |  | United States | United States |  |  |  | 2 | $3507.36 | $2556.00 | 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 |  | Manual Underwriting | No | Manual Underwriting |  | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.13 | 1.130 |  | N/A | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | FL | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 926231 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $6436.16 | XXXX |  | $1964.13 | 7.625% | Yes | Yes |  |  |  |  |  |  | US Citizen | US Citizen |  |  | United States | United States |  |  | $0.00 | 2 | $3358.80 | $2483.04 | 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 |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting |  | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.14 | 1.140 |  | N/A | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | FL | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 926185 | XXXX |  | ATR/QM: Exempt | XXXX | Yes | No |  | $5110.67 | XXXX |  | $992.48 | 6.625% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $0.00 | 1 | $1871.52 | $636.96 | XXXX | CA | $45.00 | 01/01/1900 |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.48 | 1.480 |  | N/A | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Other | Permanent Resident Card | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 926160 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $4733.50 | XXXX |  | $648.60 | 6.750% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 1 | $1800.00 | $1941.00 | XXXX | FL | $357.00 |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.51 | 1.520 |  | N/A | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 927901 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $9575.43 | XXXX |  | $2285.36 | 8.750% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $0.00 | 1 | $3735.00 | $1017.00 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 636 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.04 | 1.040 |  | N/A | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 926219 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $10528.50 | XXXX |  | $1455.47 | 7.500% | Yes |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  | United State |  |  |  | $0.00 | 1 | $1408.32 | $1020.00 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.12 | 1.120 |  | N/A | No | NA |  | No |  | N/A | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | Permanent Resident | XXXX | XXXX | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 926152 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $8807.38 | XXXX |  | $1325.44 | 6.625% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 1 | $6356.04 | $1698.96 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 1.4 | 1.400 |  | N/A | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 927896 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $6269.05 | XXXX |  | $1207.64 | 7.125% | Yes | Yes |  |  |  |  |  |  | US Citizen | US Citizen | US Citizen |  | United States | United States | United States |  |  | 2 | $2162.04 | $1023.00 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX | XXXX | XXXX |  | 741 | 808 | 815 | 798 |  |  |  |  |  |  |  |  |  |  | 808 |  | 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 | 3.3 | Manual Underwriting | No | Manual Underwriting |  | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.98 | 0.980 |  | N/A | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OR | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OR | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 927819 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $6690.99 | XXXX |  | $825.41 | 7.999% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 2 | $1889.04 | $795.96 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting |  | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.52 | 1.530 |  | N/A | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 926227 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $7734.61 | XXXX |  | $2094.67 | 8.000% | Yes | Yes |  |  |  |  |  |  | US Citizen | US Citizen |  |  | United States | United States |  |  |  | 1 | $8175.00 | $819.00 | 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 |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting |  | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.84 | 0.840 |  | N/A | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IL | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 926190 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $7620.82 | XXXX |  | $838.78 | 7.125% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 1 | $903.00 | $479.64 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  |  |  |  | 1.78 | 1.780 |  | N/A | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 926206 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $13277.79 | XXXX |  | $1763.08 | 6.750% | Yes |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  | XXXX |  |  |  |  | 1 | $6800.04 | $1373.04 | XXXX | TX | $25.00 |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.89 | 0.890 |  |  | No | NA |  | No |  | N/A | Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 926220 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $7535.98 | XXXX |  | $1395.12 | 7.375% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 4 | $4723.08 | $2019.96 | 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 |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting |  | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.94 | 1.940 |  | N/A | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 927747 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 8401 | $11182.37 | XXXX | 7.945% | $2180.00 | 7.625% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 1 | $1057.44 | $1719.48 | XXXX |  |  |  |  | 44.29% | 43.68% | 43.68% | XXXX | XXXX |  |  |  | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 8401 |  | 5.780% |  | 1.2 | Manual Underwriting | No | Manual Underwriting |  | No | 7.625% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  |  |  | 0.000 |  |  | No | Yes | 24 | Yes | 24 | H8 (New Creditor) | US Citizen | US Citizen | N/A | Other | Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 927777 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 10491.88 | $13047.59 | XXXX | 9.123% | $2580.63 | 8.750% | No | No | Employed | Retired |  |  |  |  | US Citizen | US Citizen |  |  | United States | United States |  |  |  | 1 | $3008.76 | $968.04 | XXXX |  |  |  |  | 49.01% | 49.69% | 49.69% | XXXX | XXXX | XXXX |  |  | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 66.66% | 100.00% | 100.00% |  | Borrower - Retirement, SSI and Disability - Written VOE Verified, Business Bank Statements Verified \|\| Co Borrower - Retirement, SSI and Disability - 1 YR W2 1099 Verified, Award Letter Verified - 2021 | Borrower \|\| Co Borrower - 2021 | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 10491.88 |  | 5.580% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 8.750% | 0 | 1 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.000 |  | N/A | No | NA |  | Yes | 48 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Passport |  | FL | United States | XXXX | United States | XXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 926170 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $5516.94 | XXXX |  | $836.08 | 8.375% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 1 | $944.04 | $876.96 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 643 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  | 2.1 | Manual Underwriting | No | Manual Underwriting |  | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.62 | 1.620 |  | N/A | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Other |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 927703 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 16096 | $18950.69 | XXXX | 7.501% | $3031.73 | 7.125% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $14247.87 | 1 | $5642.88 | $939.96 | XXXX |  |  |  |  | 26.29% | 26.29% | 26.29% | XXXX | XXXX |  |  |  | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  | 1 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 16096 |  | 5.880% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 7.125% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  | N/A | No | Yes | 72 | Yes | 72 | H8 (New Creditor) | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 927804 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $5644.54 | XXXX |  | $1456.71 | 6.625% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 1 | $3715.08 | $716.04 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.04 | 1.040 |  | N/A | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 927805 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $11483.61 | XXXX |  | $889.91 | 7.125% | Yes |  |  |  |  |  |  |  | Foreign National |  |  |  | XXXX |  |  |  | $0.00 | 1 | $1898.52 | $791.28 | XXXX | FL | $416.00 | 01/01/1900 |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 | 2.3 | Manual Underwriting | No | Manual Underwriting |  | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.19 | 1.190 |  | N/A | No | NA |  | No |  | N/A | Foreign National | Foreign National | N/A | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 927708 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 16433.32 | $19785.83 | XXXX | 7.002% | $2947.86 | 6.625% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $5236.74 | 1 | $5483.04 | $2759.16 | XXXX | FL | $278.00 | 01/01/1900 |  | 46.30% | 45.87% | 45.87% | XXXX | XXXX |  |  |  | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 9674.00% |  |  | Borrower - SESCorp - 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 | 16433.32 |  | 5.780% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 6.625% | 0 | 0 | 0 | 0 | 1 | 0 | 12 |  |  | N/A |  | 0.000 |  | N/A | No | Yes | 7 | Yes | 7 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 927773 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 8583.98 | $1955.83 | XXXX | 8.247% | $2671.62 | 8.249% | No | No | Employed | Employed | Retired |  |  |  | US Citizen | US Citizen | US Citizen |  | United States | United States | United States |  | $5480.02 | 1 | $2851.44 | $1581.96 | XXXX | FL | $31.83 | 01/01/1900 |  | 41.70% | 41.70% | 41.70% | XXXX | XXXX | XXXX | XXXX |  | 667 | 804 | 816 | 788 |  |  |  |  |  |  |  |  |  |  | 804 |  | 4 - Verified 2+ Mos |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - SSI and Disability - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified \|\| Co Borrower - SSI and Disability - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified \|\| Co Borrower 2 - SSI and Disability - 1 YR W2 1099 Verified, Award Letter Verified | Borrower - Executed 4506T Verified \|\| Co Borrower - Executed 4506T Verified \|\| Co Borrower 2 | Full Doc | 7 | XXXX | XXXX | 1 | 13 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 8583.98 |  | 5.370% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 8.249% | 2 | 2 | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  |  | N/A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 927839 | XXXX |  | ATR/QM: Exempt | XXXX | Yes | No |  | $12196.55 | XXXX |  | $2014.37 | 7.750% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 1 | $8435.28 | $1408.08 | XXXX |  |  |  |  | 22.13% | 22.13% | 22.13% | XXXX | XXXX |  |  |  | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting |  | No | 7.750% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A | 0 | 0.000 |  | N/A | No | Yes | 132 | Yes | 132 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 927802 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $5320.98 | XXXX |  | $2441.03 | 6.375% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 2 | $13200.00 | $1263.00 | 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 |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting |  | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.07 | 1.070 |  | N/A | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 927886 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 5251 | $6608.39 | XXXX | 7.831% | $1258.46 | 7.499% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $3991.84 | 1 | $4954.68 | $2669.04 | XXXX |  |  |  |  | 36.77% | 36.77% | 36.77% | XXXX | XXXX |  |  |  | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - SESCorp - 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 | 5251 |  | 5.370% |  | 5 | Manual Underwriting | No | Manual Underwriting |  | No | 7.499% | 0 | 0 | 0 | 0 | 1 | 0 | 12 |  |  | N/A |  | 0.000 |  | N/A | No | Yes | 107 | Yes | 107 | H8 (New Creditor) | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 928092 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $6861.65 | XXXX |  | $988.06 | 7.250% | Yes | Yes |  |  |  |  |  |  | US Citizen | US Citizen |  |  | United States | United States |  |  |  | 1 | $2258.04 | $1139.04 | XXXX | FL | $415.00 | 01/01/1900 |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX | XXXX |  |  | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 2.2 | Manual Underwriting | No | Manual Underwriting |  | No | 7.250% | 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 | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 927713 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No |  | $7377.10 | XXXX | 8.185% | $1635.76 | 7.875% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 1 | $2741.88 | $2412.96 | XXXX |  |  |  |  | 27.63% | 27.59% | 27.59% | XXXX | XXXX |  |  |  | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 1 | 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 | 5983 |  | 5.580% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 1 |  |  |  | 0.000 |  | N/A | No | Yes | 36 | Yes | 12 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 927714 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 11315.31 | $12593.64 | XXXX | 7.135% | $2874.23 | 6.875% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $14619.18 | 1 | $3632.64 | $3470.16 | XXXX | AL | $37.50 | 01/01/1900 |  | 27.75% | 27.75% | 27.75% | XXXX | XXXX |  |  |  | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 11315.31 |  | 5.610% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 6.875% | 0 | 0 | 0 | 0 | 1 | 0 | 12 |  |  | N/A |  | 0.000 |  | N/A | No | NA |  | Yes | 46 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 927889 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 3946 | $5362.88 | XXXX | 9.614% | $1546.88 | 9.375% | No |  | Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $4485.05 | 1 | $4214.88 | $939.96 | XXXX |  |  |  |  | 45.83% | 45.83% | 43.79% | XXXX | XXXX |  |  |  | 615 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage - CPA Letter Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified | Borrower - Executed 4506T Verified | 2YR Full Doc | 7 | XXXX | XXXX | 16 | 12 |  |  | 0 |  |  | 0 |  |  | 0 |  | 2 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 3946 |  | 5.610% |  | 1.8 | Manual Underwriting | No | Manual Underwriting |  | No | 9.375% | 2 | 0 | 0 | 0 | 1 | 0 |  |  |  | N/A |  | 0.000 |  | N/A | No | Yes | 30 | Yes | 30 | H8 (New Creditor) | US Citizen | US Citizen | N/A | Other | USA Patriot ACT | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 927767 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 11551 | $14486.00 | XXXX | 7.736% | $3524.04 | 7.500% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $5633.71 | 1 | $7875.00 | $1284.00 | XXXX |  |  |  |  | 45.20% | 45.20% | 45.20% | XXXX | XXXX |  |  |  | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 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 | 11551 |  | 5.610% |  | 1.2 | Manual Underwriting | No | Manual Underwriting |  | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 |  | N/A |  | 0.000 |  | N/A | No | Yes | 39 | Yes | 39 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 927706 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 10628.5 | $13380.75 | XXXX | 9.395% | $2679.39 | 9.000% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $9410.97 | 1 | $4230.72 | $3132.96 | XXXX |  |  |  |  | 31.20% | 31.28% | 31.28% | XXXX | XXXX |  |  |  | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 10628.5 |  | 5.780% |  | 1.5 | Manual Underwriting | No | Manual Underwriting |  | No | 9.000% | 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 | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 927754 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 13696 | $15096.78 | XXXX | 7.040% | $5353.97 | 6.875% | No |  | Self-Employed |  |  |  |  |  | Non Permanent Resident Alien |  |  |  | XXXX |  |  |  | $6019.57 | 1 | $11689.56 | $555.96 | XXXX | CA | $780.00 | 01/01/1900 |  | 54.94% | 54.94% | 54.94% | XXXX | XXXX |  |  |  | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | 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 | 13696 |  | 5.370% |  | 2.2 | Manual Underwriting | No | Manual Underwriting |  | No | 6.875% | 0 | 0 | 0 | 0 | 1 | 0 | 12 |  |  | N/A |  | 0.000 |  | N/A | No | NA |  | Yes | 127 | H8 (New Creditor) | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | I-551 Stamp and Passport |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 927891 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 11641 | $13850.17 | XXXX | 7.766% | $3160.45 | 7.500% | No | No | Employed | Retired |  |  |  |  | US Citizen | US Citizen |  |  | United States | United States |  |  | $5770.75 | 1 | $7062.48 | $1055.04 | XXXX |  |  |  |  | 42.73% | 42.73% | 42.73% | XXXX | XXXX | XXXX |  |  | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% | 0.00% |  | Borrower - Retirement, SSI and Disability - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Executed 4506T Verified \|\| Co Borrower - Retirement, SSI and Disability - 2 YRS W2 1099 Verified, Award Letter Verified | Borrower - Executed 4506T Verified \|\| Co Borrower | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 11641 |  | 5.610% |  | 2.8 | Manual Underwriting | No | Manual Underwriting |  | No | 7.500% | 2 | 2 | 0 | 0 | 1 | 0 |  |  |  | N/A |  | 0.000 |  | N/A | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot ACT | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot ACT | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 927729 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 21621 | $25038.50 | XXXX | 7.168% | $3372.71 | 6.750% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  | United States | United States |  |  | $41346.15 | 1 | $8124.96 | $528.00 | XXXX |  |  |  |  | 13.21% | 13.21% | 13.21% | XXXX | XXXX | XXXX |  |  | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 50.00% |  |  | Borrower - CPA Letter Verified, Written VOE Verified, Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - CPA Letter Verified, Written VOE Verified, Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified \|\| Co Borrower - Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 21621 |  | 5.310% |  | 2.6 | Manual Underwriting | No | Manual Underwriting |  | No | 6.750% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  | N/A | No | Yes | 204 | Yes | 204 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 927961 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 14210.38 | $15764.32 | XXXX | 9.095% | $3644.39 | 8.750% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $82279.63 | 1 | $2357.76 | $1554.00 | XXXX |  |  |  |  | 6.32% | 6.32% | 6.32% | XXXX | XXXX |  |  |  | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 14210.38 |  | 5.060% |  | 1.7 | Manual Underwriting | No | Manual Underwriting |  | No | 8.750% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  | N/A | No | NA |  | Yes | 119 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 927705 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 38599 | $7036.50 | XXXX | 7.874% | $7691.54 | 7.875% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 1 | $32664.00 | $5021.04 | XXXX |  |  |  |  | 32.56% | 32.56% | 32.56% | XXXX | XXXX |  |  |  | 647 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESCorp - 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 | 38599 |  | 5.780% |  | 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 | 143 | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act (Driving License) | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 927768 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 13694.75 | $15224.63 | XXXX | 8.839% | $3417.51 | 8.499% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $10860.11 | 1 | $4767.60 | $2208.96 | XXXX | FL | $25.00 | 01/01/1900 |  | 30.92% | 30.92% | 30.92% | XXXX | XXXX |  |  |  | 630 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 13694.75 |  | 5.370% |  | 2.2 | Manual Underwriting | No | Manual Underwriting |  | No | 8.499% | 0 | 0 | 0 | 0 | 1 | 0 |  | 14 |  | N/A |  | 0.000 |  | N/A | No | Yes | 56 | Yes | 444 | N/A | US Citizen | US Citizen | N/A | Other |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 927762 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 16185.65 | $19316.59 | XXXX | 7.999% | $2395.16 | 7.500% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $6529.76 | 1 | $8508.96 | $950.04 | XXXX | TX | $95.83 | 01/01/1900 |  | 42.23% | 42.23% | 42.23% | XXXX | XXXX |  |  |  | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 99.75% | 100.00% |  |  | Borrower - SESoleProprietor, Investment Income - 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 | 16185.65 |  | 5.610% |  | 1.2 | Manual Underwriting | No | Manual Underwriting |  | No | 7.500% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  | N/A | No | Yes | 32 | Yes | 32 | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act (Driving License) | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 933375 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 20373.4 | $21638.00 | XXXX | 7.264% | $3468.58 | 6.875% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 1 | $16774.92 | $884.04 | XXXX | TX | $43.00 |  |  | 44.23% | 44.23% | 44.23% | XXXX | XXXX |  |  |  | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 84.31% | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 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 | 20373.4 |  | 5.860% |  | 1.2 | Manual Underwriting | No | Manual Underwriting |  | No | 6.875% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  | N/A | No | Yes | 120 | Yes | 120 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 927952 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 8903.6 | $11959.68 | XXXX | 7.083% | $2790.11 | 6.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  | United States | United States |  |  |  | 1 | $6636.24 | $1347.96 | XXXX |  |  |  |  | 36.36% | 36.36% | 36.36% | XXXX | XXXX | XXXX |  |  | 813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.00% | 50.00% | 50.00% |  | Borrower - SEPartnership - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified \|\| Co Borrower - SEPartnership - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified | Borrower \|\| Co Borrower | 24 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 8903.6 |  | 5.620% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 |  |  |  | 0.000 |  | N/A | No | Yes | 48 | Yes | 48 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 927977 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 10031 | $14197.78 | XXXX | 8.638% | $6581.90 | 8.500% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $30073.08 | 1 | $6858.84 | $1745.40 | XXXX |  |  |  |  | 35.98% | 35.98% | 35.98% | XXXX | XXXX |  |  |  | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 10031 |  | 5.730% |  | 2.2 | Manual Underwriting | No | Manual Underwriting |  | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  |  | 0.000 |  | N/A | No | Yes | 24 | Yes | 24 | H8 (New Creditor) | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 928001 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 12671 | $14114.75 | XXXX | 8.384% | $2030.19 | 7.875% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  | United States | United States |  |  | $2400.02 | 1 | $1480.32 | $965.04 | XXXX |  |  |  |  | 48.21% | 48.21% | 48.21% | XXXX | XXXX | XXXX |  |  | 633 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - CPA Letter Verified, 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 | 12671 |  | 5.060% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 7.875% | 0 | 0 | 0 | 0 | 1 | 0 | 12 |  |  | N/A |  | 0.000 |  | N/A | No | Yes | 24 | Yes | 12 | H8 (New Creditor) | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 928000 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 10090.77 | $3933.15 | XXXX | 9.109% | $2521.83 | 8.999% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  | United States | United States |  |  | $8617.81 | 1 | $2823.84 | $1998.00 | XXXX | GA | $25.00 |  |  | 49.85% | 49.85% | 49.85% | XXXX | XXXX | XXXX |  |  | 619 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 12 | Business | 36.58% | 100.00% | 0.00% |  | Borrower - Wage - 2 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 10090.77 |  | 5.060% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 8.999% | 0 | 2 | 0 | 0 | 2 | 0 |  | 12 |  | N/A |  | 0.000 |  | N/A | No | NA |  | No | 32 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 927983 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 5916.24 | $7558.36 | XXXX | 7.364% | $1687.75 | 7.125% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $8942.25 | 1 | $2517.00 | $1071.00 | XXXX |  |  |  |  | 24.49% | 24.49% | 24.49% | XXXX | XXXX |  |  |  | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 5916.24 |  | 5.620% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 7.125% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  | N/A | No | Yes | 31 | Yes | 31 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 928002 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 18753.88 | $21908.12 | XXXX | 7.705% | $6042.22 | 7.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  | United States | United States |  |  | $8326.26 | 1 | $8683.80 | $1574.40 | XXXX |  |  |  |  | 48.76% | 48.73% | 48.73% | XXXX | XXXX | XXXX |  |  | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified - 2021 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified - 2021 | Borrower - Executed 4506T Verified - 2021 \|\| Co Borrower - 2021 | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 18753.88 |  | 5.730% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 7.500% | 2 | 2 | 0 | 0 | 1 | 0 |  |  |  | N/A |  | 0.000 |  | N/A | No | NA |  | Yes | 32 | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 927993 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 7823 | $9322.61 | XXXX | 7.228% | $2166.59 | 7.250% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $8076.01 | 1 | $1272.84 | $1011.96 | XXXX | NV | $102.00 | 01/01/1900 |  | 24.56% | 24.56% | 24.56% | XXXX | XXXX |  |  |  | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 7823 |  | 5.730% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 7.250% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  | N/A | No | Yes | 28 | Yes | 28 | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 927965 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 7960.38 | $9810.19 | XXXX | 7.696% | $3024.05 | 7.500% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $75966.23 | 1 | $12015.48 | $3984.84 | XXXX |  |  |  |  | 22.15% | 21.82% | 21.82% | XXXX | XXXX |  |  |  | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 7960.38 |  | 5.280% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 7.500% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  | N/A | No | Yes | 51 | Yes | 486 | H8 (New Creditor) | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 927974 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No |  | $2551.00 | XXXX | 7.549% | $2097.64 | 7.500% | Yes |  | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  | XXXX |  |  |  |  | 1 | $3712.92 | $1630.44 | XXXX | FL | $434.00 |  |  | 30.74% | 30.74% | 30.74% | XXXX | XXXX |  |  |  | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 1471 |  | 5.730% |  | 1.7 | Manual Underwriting | No | Manual Underwriting |  | No | 7.500% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  | N/A | No | Yes | 25 | Yes | 25 | N/A | Permanent Resident Alien | Permanent Non-US Citizen | No | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 927985 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 6661 | $6895.44 | XXXX | 7.512% | $1773.66 | 7.250% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $4537.87 | 1 | $3587.64 | $1086.00 | XXXX |  |  |  |  | 45.16% | 45.16% | 45.16% | XXXX | XXXX |  |  |  | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESCorp - 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 | 6661 |  | 5.620% |  |  | Manual Underwriting | No | Manual Underwriting |  | No | 7.250% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  | N/A | No | NA |  | Yes | 40 | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act (Driving License) | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 928011 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 5175.6 | $7017.59 | XXXX | 8.249% | $964.58 | 7.750% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  | United States | United States |  |  | $3957.52 | 1 | $3246.48 | $1707.96 | XXXX |  |  |  |  | 49.02% | 49.02% | 49.02% | XXXX | XXXX | XXXX |  |  | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | 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 | 5175.6 |  | 5.280% |  | 2.1 | Manual Underwriting | No | Manual Underwriting |  | No | 7.750% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  | N/A | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 928006 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 4956 | $5755.86 | XXXX | 8.426% | $2618.16 | 8.250% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  | United States | United States |  |  | $4553.76 | 1 | $6348.00 | $675.96 | XXXX |  |  |  |  | 43.30% | 43.30% | 43.30% | XXXX | XXXX | XXXX |  |  | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - CPA Letter Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 4956 |  | 5.620% |  | 1.4 | Manual Underwriting | No | Manual Underwriting |  | No | 8.250% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 |  | N/A |  | 0.000 |  | N/A | No | Yes | 24 | Yes | 24 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NH | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 927956 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 17896 | $18142.35 | XXXX | 7.547% | $7562.89 | 7.375% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $7290.58 | 1 | $6233.52 | $9314.04 | XXXX |  |  |  |  | 54.85% | 54.85% | 54.85% | XXXX | XXXX |  |  |  | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 82.68% | 100.00% |  |  | Borrower - SESoleProprietor, SSI and Disability - 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 | 17896 |  | 6.090% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 7.375% | 0 | 0 | 0 | 0 | 1 | 0 | 12 |  |  | N/A |  | 0.000 |  | N/A | No | NA |  | No |  | H8 (New Creditor) | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 927987 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 15387.25 | $15478.47 | XXXX | 8.157% | $4592.35 | 8.125% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $10775.81 | 1 | $12662.04 | $2636.04 | XXXX |  |  |  |  | 47.30% | 47.30% | 47.30% | XXXX | XXXX |  |  |  | 629 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified, 1 YR IRS Transcripts Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 15387.25 |  | 5.730% |  | 2.5 | Manual Underwriting | No | Manual Underwriting |  | No | 8.125% | 0 | 0 | 0 | 0 | 1 | 1 |  | 12 |  | N/A |  | 0.000 |  | N/A | No | Yes | 36 | Yes | 36 | H8 (New Creditor) | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 927944 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 26983.5 | $32658.71 | XXXX | 7.741% | $5490.87 | 7.375% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $7090.13 | 1 | $9540.00 | $3672.00 | XXXX | FL | $241.00 | 01/01/1900 |  | 49.37% | 49.08% | 49.08% | XXXX | XXXX |  |  |  | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 12 | Business | 81.81% | 100.00% |  |  | Borrower - SESoleProprietor, SSI and Disability - Written VOE Verified, Award Letter Verified, Business Bank Statements Verified | Borrower | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 26983.5 |  | 6.090% |  | 1.1 | Manual Underwriting | No | Manual Underwriting |  | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.000 |  | N/A | No | NA |  | Yes | 36 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 927990 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 6693.25 | $8656.13 | XXXX | 7.879% | $1327.81 | 7.500% | No |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $1854.50 | 1 | $2040.84 | $1155.00 | XXXX |  |  |  |  | 48.14% | 48.14% | 48.14% | XXXX | XXXX |  |  |  | 815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 2 | Personal | 0.00% | 0.00% |  |  | Borrower - SSI and Disability, Note Receivable - Executed 4506T Verified, Award Letter Verified, Note Receivable Verified, Personal Bank Statements Verified - 2022 | Borrower - Executed 4506T Verified - 2022 | 3 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 6693.25 |  | 5.730% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 7.500% | 0 | 0 | 0 | 0 | 1 | 0 | 2 |  |  | N/A |  | 0.000 |  | N/A | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 927939 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 12223.5 | $15067.87 | XXXX | 7.843% | $2733.93 | 7.500% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $8868.37 | 1 | $6480.48 | $1196.04 | XXXX |  |  |  |  | 31.63% | 31.63% | 31.63% | XXXX | XXXX |  |  |  | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 7 | XXXX | XXXX | 2 | 78 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 12223.5 |  | 5.730% |  | 1.4 | Manual Underwriting | No | Manual Underwriting |  | No | 7.500% | 0 | 0 | 0 | 0 | 1 | 0 | 12 |  |  | N/A |  | 0.000 |  | N/A | No | NA |  | Yes | 82 | H8 (New Creditor) | US Citizen | US Citizen | N/A | Other | USA PATRIOT | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |
| 927996 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 11484.12 | $11055.79 | XXXX | 7.727% | $7087.22 | 7.625% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $15430.57 | 1 | $5164.68 | $4296.96 | XXXX | AZ | $68.00 |  |  | 47.30% | 47.06% | 47.06% | XXXX | XXXX |  |  |  | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 100.00% |  | Audited | Borrower - SESCorp, SEPartnership - 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 2 YRS Business Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 11484.12 |  | 5.950% |  | 2.3 | Manual Underwriting | No | Manual Underwriting |  | No | 7.625% | 0 | 0 | 0 | 2 | 1 | 1 |  |  | 12 | N/A |  | 0.000 |  | N/A | No | NA |  | No |  | H8 (New Creditor) | US Citizen | US Citizen | N/A | Other | USA Patriot Act (Driving License) | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 933379 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 5928.4 | $2891.54 | XXXX | 8.477% | $1426.50 | 8.375% | No |  | Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $2252.97 | 1 | $6950.40 | $1023.96 | XXXX |  |  |  |  | 48.43% | 48.43% | 48.43% | XXXX | XXXX |  |  |  | 646 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified | Borrower - Executed 4506T Verified | Full Doc | 13 | XXXX | XXXX | 1 |  | 22 |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 5928.4 |  | 5.620% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 8.375% | 2 | 0 | 0 | 0 | 1 | 0 |  |  |  | N/A |  | 0.000 |  | N/A | No | NA |  | Yes | 325 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 933383 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 21274.94 | $25881.72 | XXXX | 7.130% | $5477.80 | 6.875% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $20318.53 | 1 | $13625.04 | $3099.00 | XXXX | CA | $150.00 |  |  | 27.93% | 27.93% | 27.93% | XXXX | XXXX |  |  |  | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 21274.94 |  | 6.380% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 6.875% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  | N/A | No | Yes | 133 | Yes | 133 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 933364 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 9549.4 | $10996.54 | XXXX | 6.962% | $1880.98 | 6.625% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $7171.88 | 1 | $2307.72 | $1113.96 | XXXX |  |  |  |  | 24.49% | 24.49% | 24.49% | XXXX | XXXX |  |  |  | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 9549.4 |  | 5.950% |  | 2 | Manual Underwriting | No | Manual Underwriting |  | No | 6.625% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  |  |  | 0.000 |  | N/A | No | Yes | 60 | Yes | 60 | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |
| 933384 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 15496 | $17031.02 | XXXX | 7.564% | $3478.75 | 7.249% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $68063.24 | 1 | $7319.16 | $5136.96 | XXXX |  |  |  |  | 45.91% | 45.91% | 45.91% | XXXX | XXXX |  |  |  | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 14 | Business | 100.00% | 51.00% |  |  | Borrower - SESCorp - 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 | 15496 |  | 5.730% |  | 2.6 | Manual Underwriting | No | Manual Underwriting |  | No | 7.249% | 0 | 0 | 0 | 0 | 0 | 0 |  | 14 |  | N/A |  | 0.000 |  |  | No | Yes | 24 | Yes | 24 | H8 (New Creditor) | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 933396 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 16016.2 | $18676.14 | XXXX | 7.227% | $2434.58 | 6.750% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $60883.63 | 1 | $5494.20 | $3402.00 | XXXX |  |  |  |  | 26.30% | 26.03% | 26.03% | XXXX | XXXX |  |  |  | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 15 | Business | 100.00% | 100.00% |  |  | Borrower - SECorporation - Written VOE Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 16016.2 |  | 6.090% |  | 2.6 | Manual Underwriting | No | Manual Underwriting |  | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  | 15 |  | N/A |  | 0.000 |  |  | No | NA |  | Yes | 125 | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 933405 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 12196 | $14219.75 | XXXX | 7.582% | $4351.25 | 7.375% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $5773.00 | 1 | $5704.80 | $1186.20 | XXXX |  |  |  |  | 49.04% | 49.04% | 49.04% | XXXX | XXXX |  |  |  | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESCorp - 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 | 12196 |  | 6.090% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 7.375% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | NA |  | Yes | 40 | H8 (New Creditor) | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 933370 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 9290 | $11511.58 | XXXX | 7.790% | $2733.58 | 7.500% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $17389.19 | 1 | $2221.20 | $2879.04 | XXXX |  |  |  |  | 18.20% | 18.20% | 18.20% | XXXX | XXXX |  |  |  | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 9290 |  | 6.380% |  | 2.5 | Manual Underwriting | No | Manual Underwriting |  | No | 7.500% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | NA |  | Yes | 156 | H8 (New Creditor) | US Citizen | US Citizen | N/A | Other | USA Patriot Act(Drivers License) | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 933360 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 1471 | $11202.38 | XXXX | 9.264% | $8628.22 | 9.250% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $108392.87 | 1 | $16387.56 | $1608.00 | XXXX |  |  |  |  | 10.05% | 9.88% | 9.88% | XXXX | XXXX |  |  |  | 663 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 1471 |  | 5.950% |  | 4.5 | Manual Underwriting | No | Manual Underwriting |  | No | 9.250% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | Yes | 48 | Yes | 48 | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 933363 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 5816.2 | $6252.82 | XXXX | 7.050% | $927.43 | 6.625% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $3534.31 | 1 | $3329.52 | $2985.72 | XXXX |  |  |  |  | 33.38% | 33.38% | 33.38% | XXXX | XXXX |  |  |  | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 16 | Personal | 100.00% | 100.00% |  |  | Borrower - SEPartnership - 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 | 5816.2 |  | 5.730% |  | 3 | Manual Underwriting | No | Manual Underwriting |  | No | 6.625% | 0 | 0 | 0 | 0 | 1 | 0 | 16 |  |  | N/A |  | 0.000 |  |  | No | Yes | 57 | Yes | 57 | H8 (New Creditor) | US Citizen | US Citizen | N/A | Other | USA Patriot Act(Driver's License) | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 933367 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 18991 | $21684.75 | XXXX | 7.094% | $5754.70 | 6.875% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $46948.07 | 1 | $13687.44 | $973.20 | XXXX | CA | $118.33 |  |  | 22.85% | 22.85% | 22.85% | XXXX | XXXX |  |  |  | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 18991 |  | 6.090% |  | 2.5 | Manual Underwriting | No | Manual Underwriting |  | No | 6.875% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | Yes | 105 | Yes | 105 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 933422 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 8041 | $8971.15 | XXXX | 7.097% | $2529.18 | 6.875% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  | United States | United States |  |  | $5965.34 | 1 | $1740.24 | $785.52 | XXXX |  |  |  |  | 32.18% | 32.18% | 32.18% | XXXX | XXXX | XXXX |  |  | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | 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 | 8041 |  | 5.950% |  | 3.7 | Manual Underwriting | No | Manual Underwriting |  | No | 6.875% | 0 | 0 | 0 | 0 | 1 | 0 | 12 |  |  | N/A |  | 0.000 |  |  | No | NA |  | Yes | 327 | H8 (New Creditor) | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 933409 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 12436 | $13825.11 | XXXX | 10.034% | $4810.88 | 9.999% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $37461.26 | 1 | $13218.96 | $1335.96 | XXXX |  |  |  |  | 17.15% | 17.15% | 17.15% | XXXX | XXXX |  |  |  | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 14 | Personal,Business | 100.00% | 100.00% |  |  | Borrower - SESCorp - CPA Letter Verified, Written VOE Verified, Executed 4506T Verified, Personal Bank Statements Verified, Business 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 | 12436 |  | 6.380% |  | 1.5 | Manual Underwriting | No | Manual Underwriting |  | No | 9.999% | 0 | 0 | 0 | 0 | 1 | 0 | 2 | 12 |  | N/A |  | 0.000 |  |  | No | Yes | 12 | Yes | 200 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 933371 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 15645.48 | $19472.96 | XXXX | 7.803% | $3775.25 | 7.499% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  | United States | United States |  |  | $5757.91 | 1 | $8312.52 | $699.96 | XXXX |  |  |  |  | 42.93% | 42.93% | 42.93% | XXXX | XXXX | XXXX |  |  | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Executed 4506T Verified, Business Bank Statements Verified - 2021 \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Business 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 | 15645.48 |  | 6.790% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 7.499% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | Yes | 106 | Yes | 106 | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 933419 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 6611.8 | $6716.80 | XXXX | 7.900% | $1819.31 | 7.625% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  | United States | United States |  |  | $15261.83 | 1 | $2581.80 | $1325.64 | XXXX |  |  |  |  | 27.42% | 27.98% | 27.98% | XXXX | XXXX | XXXX |  |  | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 6611.8 |  | 6.090% |  | 1.9 | Manual Underwriting | No | Manual Underwriting |  | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | Yes | 24 | Yes | 24 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | PA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 933404 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 4891 | $6023.33 | XXXX | 7.976% | $1633.42 | 7.750% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $4780.83 | 1 | $2988.00 | $1497.00 | XXXX |  |  |  |  | 29.85% | 29.85% | 29.85% | XXXX | XXXX |  |  |  | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 14 | Personal,Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - Written VOE Verified, Executed 4506T Verified, Personal Bank Statements Verified, Business 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 | 4891 |  | 6.090% |  | 1.6 | Manual Underwriting | No | Manual Underwriting |  | No | 7.750% | 0 | 0 | 0 | 0 | 1 | 0 | 2 | 12 |  | N/A |  | 0.000 |  |  | No | NA |  | Yes | 648 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 933416 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 19867 | $25466.06 | XXXX | 7.627% | $5801.67 | 7.375% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $19507.44 | 1 | $17466.96 | $3629.64 | XXXX | TX | $183.33 |  |  | 31.03% | 31.03% | 31.03% | XXXX | XXXX |  |  |  | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 19867 |  | 6.740% |  | 5 | Manual Underwriting | No | Manual Underwriting |  | No | 7.375% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | Yes | 24 | Yes | 24 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 933597 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 6734.75 | $8827.74 | XXXX | 8.678% | $1493.00 | 8.249% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  | United States | United States |  |  | $6907.59 | 1 | $1867.44 | $1136.04 | XXXX |  |  |  |  | 31.93% | 31.49% | 31.49% | XXXX | XXXX | XXXX |  |  | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 |  | 100.00% | 100.00% |  |  | Borrower - SESCorp - Executed 4506T Verified \|\| Co Borrower - SESCorp - CPA Letter Verified, Written VOE Verified, Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified \|\| Co Borrower - Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 6734.75 |  | 6.740% |  | 1.9 | Manual Underwriting | No | Manual Underwriting |  | No | 8.249% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | NA | 129 | No | 740 | H8 (New Creditor) | US Citizen | US Citizen | N/A | Other | USA Patriot ACT (Driver's License) | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot ACT (Driver's License) | GA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |
| 933590 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 13983.5 | $14394.49 | XXXX | 8.603% | $5434.52 | 8.375% | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  | United States | United States |  |  | $15614.34 | 1 | $38687.52 | $2801.04 | XXXX |  |  |  |  | 42.57% | 42.57% | 42.57% | XXXX | XXXX | XXXX |  |  | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% | 0.00% |  | Borrower - Wage, Other - Executed 4506T Verified - 2022 \|\| Co Borrower - Wage, Other - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified | Borrower - Executed 4506T Verified - 2022 \|\| Co Borrower | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 13983.5 |  | 6.740% |  | 3.1 | Manual Underwriting | No | Manual Underwriting |  | No | 8.375% | 0 | 1 | 0 | 0 | 1 | 0 |  |  |  | N/A |  | 0.000 |  |  | No | NA |  | No | 13 | H8 (New Creditor) | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 933598 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 8833 | $11350.67 | XXXX | 8.529% | $2764.66 | 8.250% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  | United States | United States |  |  | $13263.22 | 1 | $16486.44 | $923.04 | XXXX | TX | $133.33 |  |  | 26.23% | 26.23% | 26.23% | XXXX | XXXX | XXXX |  |  | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 50.00% |  |  | Borrower - SESCorp - Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - SESCorp - Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified \|\| Co Borrower - Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 8833 |  | 6.380% |  |  | Manual Underwriting | No | Manual Underwriting |  | No | 8.250% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | NA |  | No |  | H8 (New Creditor) | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 933554 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No |  | $17291.30 | XXXX | 9.099% | $3466.52 | 8.750% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $31972.29 | 1 | $1335.24 | $1824.00 | XXXX |  |  |  |  | 38.53% | 38.53% | 38.53% | XXXX | XXXX |  |  |  | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 - Verified 2+ Mos |  |  |  |  |  | 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 | 13589 |  | 6.740% |  | 4.3 | Manual Underwriting | No | Manual Underwriting |  | No | 8.750% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | Yes | 24 | Yes | 24 | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 933531 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 14266 | $19889.75 | XXXX | 8.166% | $4350.42 | 7.875% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $22598.49 | 1 | $10749.96 | $10401.00 | XXXX |  |  |  |  | 32.34% | 32.34% | 32.34% | XXXX | XXXX |  |  |  | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 14266 |  | 7.000% |  | 2.6 | Manual Underwriting | No | Manual Underwriting |  | No | 7.875% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | NA |  | Yes | 362 | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act(Driver's License) | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 933528 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 8821 | $14475.06 | XXXX | 8.764% | $5282.81 | 8.625% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $115038.61 | 1 | $12249.96 | $873.00 | XXXX |  |  |  |  | 8.39% | 8.38% | 8.04% | XXXX | XXXX |  |  |  | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 8821 |  | 7.030% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 8.625% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | NA |  | Yes | 12 | N/A | US Citizen | US Citizen | N/A | Other | Patriot Act USA | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 933556 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 16791.06 | $21593.93 | XXXX | 9.004% | $4333.01 | 8.625% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $11925.40 | 1 | $6465.00 | $2650.08 | XXXX | IL | $119.00 |  |  | 35.07% | 35.07% | 35.07% | XXXX | XXXX |  |  |  | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 16791.06 |  | 6.740% |  | 1.5 | Manual Underwriting | No | Manual Underwriting |  | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  |  | 0.000 |  |  | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Other | Customer Identification Form | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 933560 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 12879 | $16671.52 | XXXX | 8.740% | $4385.88 | 8.500% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $15672.25 | 1 | $9312.48 | $2985.96 | XXXX |  |  |  |  | 28.40% | 28.64% | 28.64% | XXXX | XXXX |  |  |  | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 14 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 12879 |  | 6.740% |  | 4.5 | Manual Underwriting | No | Manual Underwriting |  | No | 8.500% | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 933563 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 18751 | $24886.00 | XXXX | 8.359% | $6415.18 | 8.125% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $13118.83 | 1 | $13500.00 | $1787.88 | XXXX | CA | $234.00 |  |  | 46.05% | 46.05% | 46.05% | XXXX | XXXX |  |  |  | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 18751 |  | 7.000% |  | 1.2 | Manual Underwriting | No | Manual Underwriting |  | No | 8.125% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | NA |  | Yes | 28 | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 933541 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 4471 | $5553.23 | XXXX | 8.741% | $1140.11 | 8.375% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $8729.83 | 1 | $5894.52 | $4093.20 | XXXX |  |  |  |  | 32.31% | 32.13% | 32.13% | XXXX | XXXX |  |  |  | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 84.69% | 169.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 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 | 4471 |  | 5.060% |  | 1.9 | Manual Underwriting | No | Manual Underwriting |  | No | 8.375% | 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 | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 933546 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 8140.88 | $11121.23 | XXXX | 8.637% | $2898.35 | 8.375% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $16056.71 | 1 | $3098.28 | $633.00 | XXXX | NV | $42.00 |  |  | 20.68% | 20.68% | 20.68% | XXXX | XXXX |  |  |  | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 15 | Personal,Business | 100.00% | 33.00% |  |  | Borrower - SESCorp - CPA Letter Verified, 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 | 8140.88 |  | 6.380% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 8.375% | 0 | 0 | 0 | 0 | 1 | 0 | 3 | 12 |  | N/A |  | 0.000 |  |  | No | Yes | 24 | Yes | 848 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 933551 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 11887.18 | $14692.04 | XXXX | 9.610% | $3427.65 | 9.250% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $11622.80 | 1 | $4602.96 | $681.00 | XXXX | NC | $200.00 |  |  | 36.00% | 36.00% | 36.00% | XXXX | XXXX |  |  |  | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 13 | XXXX | XXXX | 1 |  | 25 |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 11887.18 |  | 6.380% |  | 1.5 | Manual Underwriting | No | Manual Underwriting |  | No | 9.250% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | Yes | 160 | Yes | 160 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 933529 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 8287 | $11197.00 | XXXX | 8.390% | $2530.43 | 8.125% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $10633.90 | 1 | $5325.00 | $659.04 | XXXX | CA | $150.00 |  |  | 33.55% | 33.55% | 33.55% | XXXX | XXXX |  |  |  | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 8287 |  | 7.000% |  | 1.7 | Manual Underwriting | No | Manual Underwriting |  | No | 8.125% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | Yes | 72 | Yes | 72 | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act(Driver's License) | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 933586 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 22671 | $27030.72 | XXXX | 8.415% | $6296.38 | 8.125% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  | United States | United States |  |  | $8814.45 | 1 | $6254.04 | $1188.00 | XXXX |  |  |  |  | 48.67% | 48.67% | 48.67% | XXXX | XXXX | XXXX |  |  | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 61.18% | 49.00% |  |  | Borrower - Wage - Written VOE Verified, Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified | Borrower - Executed 4506T Verified \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 22671 |  | 7.000% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 8.125% | 0 | 2 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | NA |  | Yes | 67 | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act (Driver's License) | AZ | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 933569 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 21416 | $40476.00 | XXXX | 9.882% | $16495.76 | 9.750% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $38678.00 | 1 | $30000.00 | $3304.44 | XXXX |  |  |  |  | 41.76% | 41.76% | 41.76% | XXXX | XXXX |  |  |  | 662 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal,Business | 100.00% | 100.00% |  |  | Borrower - Other, SESoleProprietor - 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 | 21416 |  | 7.030% |  | 1.3 | Manual Underwriting | No | Manual Underwriting |  | No | 9.750% | 0 | 0 | 0 | 0 | 1 | 0 | 12 | 12 |  | N/A |  | 0.000 |  |  | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 933549 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 6473.5 | $8422.44 | XXXX | 8.478% | $2591.87 | 8.250% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $20082.00 | 1 | $698.52 | $581.52 | XXXX | CA | $489.67 |  |  | 18.94% | 18.94% | 18.94% | XXXX | XXXX |  |  |  | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 6473.5 |  | 6.380% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 8.250% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | Yes | 36 | Yes | 36 | H8 (New Creditor) | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 933561 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 10243 | $13009.22 | XXXX | 8.916% | $3411.39 | 8.625% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $9360.12 | 1 | $9396.00 | $1029.96 | XXXX | MI | $16.67 |  |  | 32.95% | 32.95% | 32.95% | XXXX | XXXX |  |  |  | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 50.00% |  |  | Borrower - SECorporation - Written VOE Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 10243 |  | 7.000% |  | 1.6 | Manual Underwriting | No | Manual Underwriting |  | No | 8.625% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | NA |  | Yes | 16 | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act(Driver's License) | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 933589 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 15371 | $20542.25 | XXXX | 8.788% | $8649.02 | 8.625% | No | No | Self-Employed | Not Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  | XXXX | XXXX |  |  | $50149.91 | 1 | $12834.60 | $8442.96 | XXXX | FL | $240.00 |  |  | 23.87% | 23.57% | 23.57% | XXXX | XXXX | XXXX |  |  | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | 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 | 15371 |  | 7.000% |  | 4.5 | Manual Underwriting | No | Manual Underwriting |  | No | 8.625% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | Yes | 24 | Yes | 897 | N/A | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | FL | United States of America | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 933565 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 12113 | $13810.89 | XXXX | 8.973% | $2337.50 | 8.500% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $5718.35 | 1 | $8788.92 | $1712.88 | XXXX |  |  |  |  | 47.81% | 47.71% | 47.71% | XXXX | XXXX |  |  |  | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 12113 |  | 7.160% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  |  | 0.000 |  |  | No | Yes | 72 | Yes | 72 | N/A | US Citizen | US Citizen | N/A | Other | Customer Identification Form | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 933542 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 7808.41 | $9523.37 | XXXX | 8.939% | $3323.76 | 8.750% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $6144.17 | 1 | $2311.68 | $3066.00 | XXXX |  |  |  |  | 41.72% | 41.72% | 41.72% | XXXX | XXXX |  |  |  | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - Written VOE Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 7808.41 |  | 5.730% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 8.750% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | NA |  | Yes | 116 | H8 (New Creditor) | US Citizen | US Citizen | N/A | Other | USA Patriot Act(Drivers License) | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 933553 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 4496.8 | $6563.19 | XXXX | 8.837% | $1121.87 | 8.375% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $10082.50 | 1 | $4110.12 | $349.44 | XXXX | IL | $353.00 |  |  | 16.07% | 16.07% | 16.07% | XXXX | XXXX |  |  |  | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SECorporation - Written VOE Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 4496.8 |  | 6.790% |  | 1.9 | Manual Underwriting | No | Manual Underwriting |  | No | 8.375% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | NA |  | Yes | 86 | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act(Driver's License) | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 933562 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 12673 | $29152.00 | XXXX | 9.330% | $2252.94 | 9.000% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $6063.03 | 1 | $3060.12 | $2088.24 | XXXX |  |  |  |  | 31.41% | 31.41% | 31.41% | XXXX | XXXX |  |  |  | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 7 | XXXX | XXXX | 10 | 42 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 12673 |  | 7.000% |  | 4.8 | Manual Underwriting | No | Manual Underwriting |  | No | 9.000% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | NA |  | Yes | 177 | H8 (New Creditor) | US Citizen | US Citizen | N/A | Other | USA Patriot ACT (Driver's License) | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |
| 933564 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 5073.5 | $6001.36 | XXXX | 8.549% | $972.67 | 8.125% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $4118.73 | 1 | $2064.60 | $990.48 | XXXX |  |  |  |  | 48.43% | 48.43% | 48.43% | XXXX | XXXX |  |  |  | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 5073.5 |  | 7.000% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 8.170% | 2 | 0 | 0 | 0 | 2 | 0 |  |  |  | N/A |  | 0.000 |  |  | No | NA |  | No |  | H8 (New Creditor) | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 933567 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 5666 | $8202.25 | XXXX | 8.721% | $1352.28 | 8.250% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $15066.69 | 1 | $8335.56 | $987.96 | XXXX |  |  |  |  | 31.32% | 31.32% | 31.32% | XXXX | XXXX |  |  |  | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SECorporation - CPA Letter Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 5666 |  | 7.000% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 8.250% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | Yes | 60 | Yes | 60 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 933566 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 7658.5 | $9993.81 | XXXX | 8.627% | $1690.35 | 8.250% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $3168.79 | 1 | $1013.28 | $1313.04 | XXXX | FL | $209.00 |  |  | 48.93% | 48.93% | 48.93% | XXXX | XXXX |  |  |  | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, Personal Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 7658.5 |  | 7.000% |  | 1.8 | Manual Underwriting | No | Manual Underwriting |  | No | 8.250% | 0 | 0 | 0 | 0 | 2 | 0 | 12 |  |  | N/A |  | 0.000 |  |  | No | Yes | 120 | Yes | 120 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 933557 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 7591 | $9158.22 | XXXX | 8.849% | $2091.44 | 8.500% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $2911.00 | 1 | $3123.24 | $1337.64 | XXXX | FL | $458.00 |  |  | 44.52% | 44.52% | 44.52% | XXXX | XXXX |  |  |  | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - Written VOE Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 7591 |  | 6.740% |  | 1.6 | Manual Underwriting | No | Manual Underwriting |  | No | 8.500% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | NA |  | Yes | 12 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |
| 933593 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 6675 | $8211.90 | XXXX | 9.165% | $2068.49 | 8.874% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  | United States | United States |  |  | $9085.99 | 1 | $4626.24 | $718.20 | XXXX | TX | $38.75 |  |  | 38.71% | 39.58% | 39.58% | XXXX | XXXX | XXXX |  |  | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 50.00% |  |  | Borrower - SESCorp - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified \|\| Co Borrower - SESCorp - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 6675 |  | 7.030% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 8.874% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | Yes | 24 | Yes | 24 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 933580 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 7141 | $8441.07 | XXXX | 8.594% | $2842.67 | 8.375% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $3420.46 | 1 | $3155.04 | $873.00 | XXXX |  |  |  |  | 48.91% | 48.91% | 48.91% | XXXX | XXXX |  |  |  | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 90.01% | 100.00% |  |  | Borrower - SESoleProprietor, Wage - 1 YR Personal Tax Returns Verified, CPA Letter Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 7141 |  | 7.030% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 8.375% | 1 | 0 | 1 | 0 | 2 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | Yes | 59 | Yes | 18 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 933571 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 5071 | $5581.75 | XXXX | 8.559% | $1352.28 | 8.250% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $17513.62 | 1 | $6045.72 | $1887.48 | XXXX |  |  |  |  | 11.15% | 11.15% | 11.15% | XXXX | XXXX |  |  |  | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 13 | 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 | 5071 |  | 7.030% |  | 3.6 | Manual Underwriting | No | Manual Underwriting |  | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  | 13 |  |  |  | 0.000 |  |  | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 933602 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 6426 | $9446.75 | XXXX | 8.955% | $1522.45 | 8.500% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  | United States | United States |  |  | $1658.00 | 1 | $7043.04 | $1929.00 | XXXX |  |  |  |  | 48.25% | 48.25% | 48.25% | XXXX | XXXX | XXXX |  |  | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 87.89% | 100.00% |  |  | Borrower - Wage - Written VOE Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower | 24 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 6426 |  | 7.030% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 8.500% | 0 | 2 | 0 | 0 | 2 | 0 |  | 24 |  | N/A |  | 0.000 |  |  | No | NA |  | Yes | 24 | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | IL | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 933469 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $6099.81 | XXXX |  | $827.23 | 7.499% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 1 | $4220.40 | $3371.04 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 7.499% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.85 | 1.850 |  |  | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 933491 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $0.00 | XXXX |  | $1869.84 | 7.750% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 1 | $3845.28 | $2075.64 | XXXX |  |  |  |  | 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 |  |  |  | $0.00 | 3.3 | Manual Underwriting | No | Manual Underwriting |  | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.06 | 1.060 |  |  | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |
| 933473 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $8407.42 | XXXX |  | $1153.95 | 8.625% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 1 | $3290.40 | $1179.96 | XXXX | SC | $12.50 |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 655 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 | 1.6 | Manual Underwriting | No | Manual Underwriting |  | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.09 | 1.090 |  |  | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act(Driver's License) | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 933462 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $7861.49 | XXXX |  | $679.58 | 7.000% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 1 | $3456.00 | $1508.76 | XXXX | FL | $397.00 |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 | 2 | Manual Underwriting | No | Manual Underwriting |  | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.01 | 1.010 |  |  | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 933374 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 3888.5 | $4400.73 | XXXX | 7.133% | $1067.51 | 6.875% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  | United States | United States |  |  | $3694.46 | 1 | $2121.36 | $663.00 | XXXX |  |  |  |  | 42.77% | 42.76% | 42.76% | XXXX | XXXX | XXXX |  |  | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 |  | 67.67% | 0.00% |  |  | Borrower - SESoleProprietor - Executed 4506T Verified, Award Letter Verified \|\| Co Borrower - SESoleProprietor - Personal Bank Statements Verified | Borrower - Executed 4506T Verified \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 3888.5 |  | 6.090% |  | 1.6 | Manual Underwriting | No | Manual Underwriting |  | No | 6.875% | 0 | 0 | 0 | 0 | 1 | 0 | 12 |  |  | N/A |  | 0.000 |  |  | No | NA |  | No |  | H8 (New Creditor) | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OR | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |
| 933500 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $5602.21 | XXXX |  | $1180.05 | 8.750% | Yes |  |  |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  |  | 3 | $4091.40 | $4383.00 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.25 | 1.250 |  |  | No | NA |  | No |  | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 933411 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 5699.13 | $7713.11 | XXXX | 7.832% | $1061.91 | 7.375% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  | United States | United States |  |  | $1919.73 | 1 | $1202.40 | $473.04 | XXXX | CO | $262.00 |  |  | 48.36% | 48.36% | 48.36% | XXXX | XXXX | XXXX |  |  | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 |  | 29.89% | 0.00% |  |  | Borrower - SESoleProprietor - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 5699.13 |  | 6.790% |  | 1.6 | Manual Underwriting | No | Manual Underwriting |  | No | 7.375% | 2 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | NA | 24 | Yes | 24 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CO | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |
| 933413 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 4360.5 | $5479.75 | XXXX | 7.939% | $734.18 | 7.500% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $3312.83 | 1 | $3228.00 | $2652.00 | XXXX | TX | $317.00 |  |  | 37.04% | 37.04% | 37.04% | XXXX | XXXX |  |  |  | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - 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 | 4360.5 |  | 6.790% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 7.500% | 0 | 0 | 0 | 0 | 1 | 0 | 12 |  |  | N/A |  | 0.000 |  |  | No | Yes | 24 | Yes | 44 | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot ACT (Driver's License) | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 933596 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 29066.75 | $33461.52 | XXXX | 7.742% | $6099.10 | 7.375% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  | United States | United States |  |  | $41799.55 | 1 | $13527.24 | $1212.96 | XXXX | CA | $265.00 |  |  | 26.40% | 26.40% | 26.40% | XXXX | XXXX | XXXX |  |  | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 |  | 83.75% | 0.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 29066.75 |  | 6.380% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 7.375% | 2 | 0 | 0 | 0 | 2 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | Yes | 120 | Yes | 120 | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 933536 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 10241.3 | $11612.62 | XXXX | 8.549% | $2127.37 | 8.125% | No | No | Self-Employed | Retired |  |  |  |  | US Citizen | US Citizen |  |  | United States | United States |  |  | $11385.65 | 1 | $4918.92 | $858.12 | XXXX | FL | $204.00 |  |  | 26.24% | 26.24% | 26.24% | XXXX | XXXX | XXXX |  |  | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 74.41% | 100.00% | 0.00% |  | Borrower - Retirement - Written VOE Verified, 2 YRS Executed 4506T Verified, Personal Bank Statements Verified \|\| Co Borrower - Retirement - Personal Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower | 12 Month Bank Statement | 7 | XXXX | XXXX | 1 | 110 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 10241.3 |  | 7.000% |  | 2.4 | Manual Underwriting | No | Manual Underwriting |  | No | 8.125% | 0 | 0 | 0 | 0 | 2 | 0 | 12 |  |  | N/A |  | 0.000 |  |  | No | NA |  | Yes | 77 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 933527 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 8474.13 | $9729.85 | XXXX | 9.589% | $2560.35 | 9.249% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $13778.63 | 1 | $6260.16 | $856.20 | XXXX |  |  |  |  | 18.82% | 18.82% | 18.82% | XXXX | XXXX |  |  |  | 666 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 585.00% |  |  | Borrower - SESCorp - CPA Letter Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 8474.13 |  | 7.030% |  | 2 | Manual Underwriting | No | Manual Underwriting |  | No | 9.249% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | Yes | 12 | Yes | 12 | H8 (New Creditor) | US Citizen | US Citizen | N/A | Other | USA Patriot Act (Driving License) | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 933534 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 14806.05 | $20615.99 | XXXX | 9.389% | $5256.07 | 9.125% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $18980.26 | 1 | $9500.04 | $0.00 | XXXX | CA | $400.00 |  |  | 25.71% | 25.71% | 25.71% | XXXX | XXXX |  |  |  | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 14 | Personal,Business | 100.00% | 100.00% |  |  | Borrower - SECorporation - CPA Letter Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 14806.05 |  | 7.000% |  | 1.6 | Manual Underwriting | No | Manual Underwriting |  | No | 9.125% | 0 | 0 | 0 | 0 | 2 | 0 | 2 | 12 |  | N/A |  | 0.000 |  |  | No | Yes | 60 | Yes | 59 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 933574 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 9471 | $16869.11 | XXXX | 8.648% | $6151.31 | 8.500% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  | United States | United States |  |  | $12111.74 | 1 | $18480.12 | $2507.16 | XXXX |  |  |  |  | 43.88% | 43.88% | 43.88% | XXXX | XXXX | XXXX |  |  | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - Written VOE Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower | 12 Month Bank Statement | 7 | XXXX | XXXX | 7 | 56 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 9471 |  | 7.160% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 8.500% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | NA |  | Yes | 19 | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act(Driver's License) | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act(Driver's License) | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 933592 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 16122.1 | $17219.94 | XXXX | 8.945% | $4575.78 | 8.625% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  | United States | United States |  |  | $11495.48 | 1 | $10955.40 | $2109.48 | XXXX | CA | $94.00 |  |  | 42.12% | 42.12% | 42.12% | XXXX | XXXX | XXXX |  |  | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% | 100.00% |  | Borrower - SESCorp - CPA Letter Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - SESCorp - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 16122.1 |  | 7.160% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 8.625% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | Yes | 209 | Yes | 209 | H8 (New Creditor) | US Citizen | US Citizen | N/A | Other | USA Patriot Act(Social Security Card) | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act(Driver's License) | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 933361 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No |  | $29068.93 | XXXX | 7.467% | $5222.67 | 7.125% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $16037.00 | 1 | $4287.36 | $920.04 | XXXX | SC | $1262.00 |  |  | 42.45% | 42.45% | 42.45% | XXXX | XXXX |  |  |  | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 25152 |  | 5.730% |  |  | Manual Underwriting | No | Manual Underwriting |  | No | 7.125% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | Yes | 240 | Yes | 240 | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act Doc (Driver's License) | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 933573 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 4511 | $5354.89 | XXXX | 9.089% | $1195.78 | 8.750% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $7909.88 | 1 | $1107.48 | $1626.96 | XXXX |  |  |  |  | 45.77% | 45.75% | 45.75% | XXXX | XXXX |  |  |  | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SECorporation - Written VOE Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 4511 |  | 7.030% |  | 2.5 | Manual Underwriting | No | Manual Underwriting |  | No | 8.750% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | NA |  | Yes | 24 | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 933539 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 7841 | $10530.36 | XXXX | 8.611% | $2766.66 | 8.375% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  | United States | United States |  |  | $4036.00 | 1 | $5687.52 | $620.04 | XXXX | CA | $419.00 |  |  | 41.14% | 41.14% | 41.14% | XXXX | XXXX | XXXX |  |  | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - Written VOE Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 7841 |  | 7.030% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 8.375% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | NA |  | Yes | 12 | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 933532 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 51061 | $62247.47 | XXXX | 8.229% | $17461.94 | 7.999% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $129491.96 | 1 | $42500.04 | $3492.00 | XXXX |  |  |  |  | 21.55% | 21.55% | 21.55% | XXXX | XXXX |  |  |  | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 13 | Business | 100.00% | 100.00% |  |  | Borrower - SESCorp - CPA Letter Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 51061 |  | 7.030% |  | 1.2 | Manual Underwriting | No | Manual Underwriting |  | No | 7.999% | 0 | 0 | 0 | 0 | 2 | 0 |  | 13 |  | N/A |  | 0.000 |  |  | No | Yes | 119 | Yes | 119 | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act(Driver's License) | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 933594 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 7471 | $10575.99 | XXXX | 9.268% | $3218.20 | 8.999% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  | United States | United States |  |  | $23519.08 | 1 | $9846.24 | $1398.96 | XXXX |  |  |  |  | 24.10% | 24.10% | 24.10% | XXXX | XXXX | XXXX |  |  | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 15 | Business | 100.00% | 50.00% |  |  | Borrower - SEPartnership - CPA Letter Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - SEPartnership - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 7471 |  | 7.160% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 8.999% | 0 | 0 | 0 | 0 | 2 | 0 |  | 15 |  | N/A |  | 0.000 |  |  | No | Yes | 224 | Yes | 224 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | IL | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 933579 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 20914.75 | $23105.18 | XXXX | 10.289% | $4454.72 | 9.750% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | United States |  |  |  | $10242.68 | 1 | $19310.76 | $1359.96 | XXXX | TX | $62.50 |  |  | 46.86% | 46.86% | 46.86% | XXXX | XXXX |  |  |  | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - Written VOE Verified, 2 YRS Executed 4506T Verified, Personal Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 20914.75 |  | 7.160% |  | 5 | Manual Underwriting | No | Manual Underwriting |  | No | 9.750% | 0 | 0 | 0 | 0 | 2 | 0 | 12 |  |  | N/A |  | 0.000 |  |  | No | NA |  | Yes | 136 | N/A | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 933576 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 8431 | $9566.00 | XXXX | 9.277% | $2800.09 | 9.000% | No |  | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  | XXXX |  |  |  | $4720.95 | 1 | $3654.00 | $2370.00 | XXXX | FL | $22.92 |  |  | 41.79% | 41.82% | 41.82% | XXXX | XXXX |  |  |  | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SECorporation - 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 8431 |  | 7.160% |  | 2.9 | Manual Underwriting | No | Manual Underwriting |  | No | 9.000% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 |  |  |  | 0.000 |  |  | No | NA |  | No |  | N/A | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |
| 933600 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 7471 | $10418.50 | XXXX | 9.059% | $2360.10 | 8.750% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  | United States | United States |  |  | $5146.42 | 1 | $3986.76 | $1524.96 | XXXX | GA | $29.17 |  |  | 40.81% | 40.81% | 40.81% | XXXX | XXXX | XXXX |  |  | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 16 | Personal | 100.00% | 100.00% |  |  | Borrower - SECorporation - CPA Letter Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, Personal Bank Statements Verified \|\| Co Borrower - SECorporation - CPA Letter Verified, Written VOE Verified, Personal Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 7471 |  | 7.030% |  | 1 | Manual Underwriting | No | Manual Underwriting |  | No | 8.750% | 0 | 0 | 0 | 0 | 2 | 0 | 16 |  |  |  |  | 0.000 |  |  | No | Yes | 24 | Yes | 24 | N/A | US Citizen | US Citizen | N/A | Other | USA Patriot Act Customer Identification Verification | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act Customer Identification Verification | GA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 933537 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 6971 | $8973.92 | XXXX | 7.893% | $1946.43 | 7.625% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  | United States | United States |  |  | $5661.20 | 1 | $2356.44 | $528.00 | XXXX |  |  |  |  | 33.48% | 33.48% | 33.48% | XXXX | XXXX | XXXX |  |  | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - 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 | 6971 |  | 7.000% |  | 3.7 | Manual Underwriting | No | Manual Underwriting |  | No | 7.625% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.000 |  |  | No | NA |  | Yes | 227 | N/A | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |

---

## Exhibit 99.25

[HOMES 2023-NQM2 ABS-15G](home-abs15g_031723.htm)

**EXHIBIT 99.25**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 925864 |  | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 926129 |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Verified from appraisal report available on page 273, form 1025 available in file |
| 926129 |  | XXXX | Qualifying Total Reserves Number of Months | tape | 21.74 | 17.00 | Verified Value correct per asset statement on on page 312 |
| 926129 |  | XXXX | Total Qualified Assets for Reserves Post-Close | tape | XXXX | XXXX | Verified Value correct per asset statement on on page 312 |
| 927785 |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 722 | 735 | FICO Score Considered from Latest Report which is on page # 210 |
| 927785 |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Attached | Verified Value correct per appraisal on on page 381 |
| 927785 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 68.85 | 68.00 | Verified Value correct per provided asset statements |
| 927785 |  | XXXX | Total Qualified Assets for Reserves Post-Close | tape | XXXX | XXXX | Verified Value correct per provided asset statements |
| 926143 |  | XXXX | Borrower 1 SSN | the1003Page | XXXX | XXXX | SSN Number correct as per final 1003 & Credit Report in file. |
| 926143 |  | XXXX | Qualifying Total Reserves Number of Months | tape | 3.52 | 4.00 | Verified Value Correct as per asset on page 515 |
| 926143 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Verified Value correct as per asset page |
| 926143 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.08 | 1.06 | Verified Value Correct as per Rent Schedule on page 309 |
| 926179 |  | XXXX | Total Qualified Assets for Reserves Post-Close | tape | XXXX | XXXX | Verified Value correct per provided asset statements |
| 926179 |  | XXXX | Qualifying Total Reserves Number of Months | tape | 9.34 | 13.00 | Verified Value correct per provided asset statements |
| 926184 |  | XXXX | Primary Appraised Property Value | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 926184 |  | XXXX | Qualifying Total Reserves Number of Months | tape | 160.38 | 85.00 | Verified Value correct as per asset on page 270 |
| 926184 |  | XXXX | Total Qualified Assets for Reserves Post-Close | tape | XXXX | XXXX | Verified Value correct as per asset on page 270 |
| 926191 |  | XXXX | Total Qualified Assets for Reserves Post-Close | tape | XXXX | XXXX | Verified Value is correct as per asset on Page 310 and EMD on page 100. |
| 926191 |  | XXXX | Qualifying Total Reserves Number of Months | tape | 112.45 | 105.00 | Verified Value is correct as per asset on Page 310 and EMD on page 100. |
| 926191 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.22 | 1.21 | XXXX |
| 926183 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 9.33 | 9.00 | XXXX |
| 926142 |  | XXXX | Total Qualified Assets for Reserves Post-Close | tape | XXXX | XXXX | XXXX |
| 926142 |  | XXXX | Qualifying Total Reserves Number of Months | tape | 25.09 | 35.00 | XXXX |
| 926233 |  | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 926233 |  | XXXX | Qualifying CLTV | diligenceFinalLookPage | 70.08 | 75.00 | Verified Value is correct as per Note and Appraisal Report on page 491 and 336 respectively. |
| 926233 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 48.03 | 48.00 | XXXX |
| 926233 |  | XXXX | Total Qualified Assets for Reserves Post-Close | tape | XXXX | XXXX | XXXX |
| 926231 |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Verified Value Correct as per Appraisal Report on Page 402 |
| 926231 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 48.39 | 48.00 | XXXX |
| 926185 |  | XXXX | Qualifying Total Reserves Number of Months | tape | 116.83 | 122.00 | Verified Value correct as per cash out on page 340. |
| 926185 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.48 | 1.47 | XXXX |
| 926160 |  | XXXX | Qualifying Total Reserves Number of Months | tape | 33.23 | 44.00 | XXXX |
| 926160 |  | XXXX | Total Qualified Assets for Reserves Post-Close | tape | XXXX | XXXX | Verified Value is correct as per assets on page 348, 351& 367 |
| 927901 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 9.66 | 9.00 | Verified Value Correct as per asset on page 260. |
| 926219 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 132.39 | 132.00 | XXXX |
| 926219 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.12 | 1.11 | XXXX |
| 926152 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 16.92 | 16.00 | Verified Value correct per provided loan documents. |
| 927896 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 48.35 | 48.00 | Verified Value correct per provided settlement statement on page 496 |
| 927819 |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property Type as per Appraisal Report is Two to Four Unit |
| 927819 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 72.23 | 72.00 | Verified Value correct per provided asset statements on page 186 and 189 |
| 927819 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.53 | 1.52 | Calculated DSCR is 1.525 whereas the system considered the Round figure of 1.53 |
| 926227 |  | XXXX | Total Qualified Assets for Reserves Post-Close | tape | XXXX | XXXX | Verified Value correct per provided asset statements. |
| 926227 |  | XXXX | Qualifying Total Reserves Number of Months | tape | 26.75 | 79.00 | Verified Value correct per provided asset statements |
| 926190 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | XXXX |
| 926190 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 110.48 | 52.00 | XXXX |
| 926190 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.78 | 1.77 | XXXX |
| 926206 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Verified Value is correct per the Asset screen |
| 926206 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 80.57 | 22.00 | Verified Value is correct per the Asset screen. |
| 926220 |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Attached | Verified Value Correct as per Appraisal Report on Page 242 |
| 926220 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Verified Value correct per provided asset statements |
| 926220 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 53.22 | 53.00 | XXXX |
| 927747 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Verified Value is correct per the Asset page. |
| 927747 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 33.79 | 32.00 | Verified Value is correct per the Asset page. |
| 927777 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 15.55 | 13.00 | XXXX |
| 927777 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | XXXX |
| 926170 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 8.89 | 8.00 | Verified Value correct per provided asset statements |
| 927703 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 9.23 | 9.00 | Verified Value correct per provided asset statement. |
| 927703 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Assets entered as per latest bank statement provided and as per Final 1003. |
| 927804 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 25.54 | 25.00 | Verified Value correct per provided loan documents. |
| 927805 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Verified Value correct per provided Settlement statement. |
| 927805 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 66.92 | 96.00 | Verified Value correct per provided Settlement statement. |
| 927773 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 7.48 | 5.00 | Verified Value correct per provided asset statements |
| 927773 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Verified Value correct per provided asset statements |
| 927839 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 17.95 | 17.00 | Verified Value correct per provided loan documents. |
| 927802 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 61.53 | 62.00 | Verified Value is correct per provided asset statements |
| 927886 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 52.43 | 50.00 | Verified Value is showing Total Reserves with Cash-Out Proceeds (Refinance Loan). |
| 927886 |  | XXXX | Qualifying CLTV | diligenceFinalLookPage | 23.75 | 36.36 | XXXX |
| 927886 |  | XXXX | Primary Appraised Property Value | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 928092 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 86.48 | 114.00 | <br> Verified Value correct per provided Settlement statement. |
| 928092 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.07 | 1.06 | XXXX |
| 927713 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 34.63 | 34.00 | XXXX |
| 927714 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Tape is Data is showing Reserves Amount with Assets from 1003, Whereas Unable to verify Assets 2 in final 1003. Verified Value is showing Reserves Assets with Available & Qualified Assets. |
| 927714 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 26.09 | 28.00 | XXXX |
| 927889 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Verified Value correct per provided asset statements. |
| 927889 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 5.42 | 5.00 | Verified Value correct per provided asset statements. |
| 927767 |  | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 927767 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Verified Value correct as per provided asset statements. |
| 927767 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 42.75 | 42.00 | Verified Value correct as per provided asset statements. |
| 927706 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 17.62 | 17.00 | Verified Value correct per provided asset statements |
| 927706 |  | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 927754 |  | XXXX | Borrower 1 SSN | the1003Page | XXXX | XXXX | Updated SSN number as per Final 1003 |
| 927754 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 4.39 | 5.00 | Verified Value correct per provided asset statements |
| 927754 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Verified Value correct per provided asset statements |
| 927891 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Verified Value correct as per provided asset statements. |
| 927891 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 52.44 | 50.00 | Verified Value correct as per provided asset statements. |
| 927729 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Verified Value correct as per provided asset statements. |
| 927729 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 10.64 | 10.00 | Verified Value correct as per provided asset statements. |
| 927961 |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 698 | 704 | Credit report reflecting FICO 698 where as tape data reflecting FICO 704 |
| 927961 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Verified Value correct per provided asset statements |
| 927705 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 12.56 | 12.00 | Approx values |
| 927768 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 7.05 | 7.00 | Verified Value correct per provided asset statements |
| 927768 |  | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 927762 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Verified Value is correct as per provided asset statements |
| 927762 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 48.85 | 22.00 | Verified Value is correct as per provided asset statements |
| 933375 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 8.2 | 8.00 | Verified Value is correct as per the given bank statement. |
| 933375 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Verified Value is correct as per the given bank statement. |
| 927952 |  | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 927952 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Tape value does not have total assets for reserves |
| 927952 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 38.86 | 0.00 | Tape value does not have total Number of months reserves |
| 928001 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | XXXX |
| 927993 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing |
| 927993 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 10.48 | 10.00 | The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing |
| 927965 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 9.23 | 9.00 | The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing |
| 927974 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 17.98 | 21.00 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing - there is a difference on the 1008 in the amount of cash required at closing. At the time of origination approval it was 21. And at the time of final closing it is verified with 17.98 months, which is matching with final 1003 required assets. |
| 928011 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 25.7 | 26.00 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the Verified Value 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. |
| 928011 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the Verified Value 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. |
| 928006 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 20.7 | 13.00 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing - there is a difference on the 1008 in the amount of cash required at closing. At the time of origination approval it was 13. And at the time of final closing it is verified with 20.7 months. |
| 928006 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | XXXX |
| 927956 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Total Qualified Assets for Reserves Post-Close Verified as per Given Bank Statements. |
| 927987 |  | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 927987 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing |
| 927987 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 0.39 | 2.00 | The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing |
| 927990 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 14.27 | 18.00 | XXXX |
| 927990 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | XXXX |
| 927996 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Total Qualified Assets not required as it is Cash-Out Refinance Loan |
| 927996 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 68.61 | 94.00 | Reserves not required as it is Cash-Out Refinance Loan. |
| 933379 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing. |
| 933379 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 16.07 | 33.00 | The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing. |
| 933383 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 79.15 | 8.00 | XXXX |
| 933383 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | XXXX |
| 933360 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 28.65 | 32.00 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing. |
| 933360 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing. |
| 933422 |  | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 933422 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 130.65 | 130.00 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing. |
| 933422 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing. |
| 933419 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 102.34 | 108.00 | Both figures are correct. The tape data is showing the assets and reserves as of the time of Approval and the Verified Value is showing the assets and reserves as of Closing |
| 933419 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Both figures are correct. The tape data is showing the assets and reserves as of the time of Approval and the Verified Value is showing the assets and reserves as of Closing |
| 933597 |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 721 | 726 | XXXX |
| 933597 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 37.86 | 37.00 | "Both figures are correct. The tape data is showing the Reserves as of the time of approval and the Verified Value is showing the Reserves as of closing - there is a difference on the 1008 in the amount of cash required at closing." |
| 933590 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Both figures are correct. The tape data is showing the assets and reserves as of the time of Approval and the Verified Value is showing the assets and reserves as of Closing. |
| 933590 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 67.9 | 74.00 | Both figures are correct. The tape data is showing the assets and reserves as of the time of Approval and the Verified Value is showing the assets and reserves as of Closing |
| 933598 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Assets verified per provided asset statements |
| 933598 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 3.39 | 0.00 | Assets verified per provided asset statements |
| 933554 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing |
| 933554 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 41.37 | 41.00 | "Both figures are correct. The tape data is showing the Reserves as of the time of approval and the Verified Value is showing the Reserves as of closing - there is a difference on the 1008 in the amount of cash required at closing." |
| 933528 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing. |
| 933528 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 28.97 | 35.00 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing. |
| 933560 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Assets verified per provided asset statements |
| 933560 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 6.75 | 5.00 | 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 Verified Value is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing. |
| 933563 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 5.28 | 4.00 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing. |
| 933563 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing. |
| 933541 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Assets updated as per guideline with available latest statements - The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing |
| 933541 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 68.74 | 67.00 | Assets updated as per guideline with available latest statements - The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing |
| 933569 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | XXXX |
| 933569 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 30.47 | 28.00 | XXXX |
| 933589 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 69.55 | 64.00 | XXXX |
| 933589 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | XXXX |
| 933553 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 230.39 | 284.00 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing. |
| 933564 |  | XXXX | Primary Appraised Property Value | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 933564 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing |
| 933564 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 99.9 | 131.00 | The tape data is showing the reserves as of the time of approval and the Verified Value is showing the reserves as of closing |
| 933593 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 10.26 | 12.00 | XXXX |
| 933593 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | XXXX |
| 933593 |  | XXXX | Primary Appraised Property Value | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 933571 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Confirmed Verified Value Qualified Assets per Assets provided in file. |
| 933571 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 4.25 | 0.00 | Confirmed Verified Value Reserves per Assets. |
| 933469 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 70.69 | 64.00 | XXXX |
| 933469 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.85 | 1.67 | XXXX |
| 933491 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 103.48 | 103.00 | Qualifying Total Reserves Number of Months provided from the Cash out on Final HUD |
| 933473 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 116.5 | 71.00 | The Verified Value values are based on the actual assets and reserves reflected in the loan file. |
| 933473 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | The Verified Value values are based on the actual assets and reserves reflected in the loan file. |
| 933462 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | "Both figures are correct. The tape data is showing the assets as of the time of approval and the Verified Value is showing the assets as of closing - there is a difference on the 1008 in the amount of cash required at closing." |
| 933462 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 15.57 | 66.00 | Both figures are correct. The tape data is showing the reserves as of the time of approval and the Verified Value is showing the reserves as of closing - there is a difference on the 1008 in the amount of cash required at closing. |
| 933374 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing. there is a difference on 1008 in the amount of cash required at closing. |
| 933374 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 24.07 | 32.00 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing. there is a difference on 1008 in the amount of cash required at closing. |
| 933500 |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Attached | Property Type is confirmed from appraisal page#203 |
| 933500 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 37.87 | 37.00 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing |
| 933500 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing |
| 933411 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 24.59 | 29.00 | Both figures are correct. The tape data is showing the Reserves as of the time of approval and the Verified Value is showing the Reserves as of closing - there is a difference on the 1008 in the amount of cash required at closing. |
| 933527 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 37.63 | 42.00 | Verified Value Correct Per Provided Settlement Statement. |
| 933527 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Verified Value Correct Per Provided Settlement Statement. |
| 933574 |  | XXXX | Primary Appraised Property Value | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 933574 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 17.8 | 16.00 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing. |
| 933574 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing. |
| 933539 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | XXXX |
| 933539 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 140.81 | 163.00 | XXXX |
| 933532 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Both figures are correct. The tape data is showing the assets and Reserves as of the time of Approval and the Verified Value is showing the assets and reserves as of closing-there is difference on the 1008 in the amount of cash required at closing. |
| 933532 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 74.22 | 74.00 | Both figures are correct. The tape data is showing the assets and Reserves as of the time of Approval and the Verified Value is showing the assets and reserves as of closing-there is difference on the 1008 in the amount of cash required at closing. |
| 933594 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 11.19 | 11.00 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing |
| 933579 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 90.54 | 88.00 | 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 Verified Value is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing. |
| 933579 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | 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 Verified Value is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing. |
| 933576 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 6.97 | 7.00 | finding opened |
| 933576 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | finding opened |
| 933537 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 33.04 | 33.00 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing |
| 933537 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing. |
| 927977 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 28 | 27.00 | Verified Value correct per provided asset statements. |
| 928000 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 77.09 | 77.00 | Data correct Rounding figure |
| 927983 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Qualifying Assets verified form given Bank statements which is matching with final 1003 |
| 927983 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 16.67 | 40.00 | Qualifying Reserves Calculated as per verified from Assets |
| 928002 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Qualified Assets Verified from given bank statements |
| 928002 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 8.39 | 16.00 | Qualifying total Reserves Calculated as per given Assets |
| 927985 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 7.56 | 7.00 | XXXX |
| 927944 |  | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 927944 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 14.23 | 14.00 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the Verified Value 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. |
| 927939 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | XXXX |
| 927939 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 17.85 | 17.00 | XXXX |
| 933364 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 186.33 | 186.00 | XXXX |
| 933364 |  | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 933396 |  | XXXX | Qualifying CLTV | diligenceFinalLookPage | 82.68 | 81.60 | XXXX |
| 933396 |  | XXXX | Primary Appraised Property Value | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 933396 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Both figures are correct. The tape data is showing the assets and |
| 933396 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 43.62 | 74.00 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the Verified Value 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. |
| 933370 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 267.61 | 267.00 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing. |
| 933363 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 33.55 | 33.00 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing. |
| 933367 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 53.96 | 0.00 | Both figures are correct. The tape data is showing the assets and reserves as of the time of Approval and the Verified Value 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 |
| 933367 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Both figures are correct. The tape data is showing the assets and reserves as of the time of Approval and the Verified Value 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 |
| 933409 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 6.96 | 6.00 | "Both figures are correct. The tape data is showing the Reserves as of the time of approval and the Verified Value is showing the Reserves as of closing - there is a difference on the 1008 in the amount of cash required at closing." |
| 933371 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 14.3 | 19.00 | Both figures are correct. Tape Data shows assets and reserves as at the time of approval whereas Verified Value shows assets and reserves as at the time of closing. |
| 933371 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Both figures are correct. Tape Data shows assets and reserves as at the time of approval whereas Verified Value shows assets and reserves as at the time of closing. |
| 933404 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 17.6 | 17.00 | "Both figures are correct. The tape data is showing the Reserves as of the time of approval and the Verified Value is showing the Reserves as of closing - there is a difference on the 1008 in the amount of cash required at closing." |
| 933416 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 17.42 | 27.00 | Both figures are correct. The tape data is showing the assets and reserves as of the time of Approval and the Verified Value is showing the assets and reserves as of Closing |
| 933416 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Both figures are correct. The tape data is showing the assets and reserves as of the time of Approval and the Verified Value is showing the assets and reserves as of Closing |
| 933531 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 220.48 | 220.00 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing. |
| 933531 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing. |
| 933546 |  | XXXX | Primary Appraised Property Value | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 933546 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | XXXX |
| 933546 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 54.18 | 53.00 | XXXX |
| 933551 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 7.55 | 7.00 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing. |
| 933529 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 33.87 | 37.00 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing. |
| 933529 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing. |
| 933586 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | <br> Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing |
| 933586 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 11.22 | 15.00 | Both figures are correct. The tape data is showing the Reserves as of the time of approval and the Verified Value is showing the Reserves as of closing - there is a difference on the 1008 in the amount of cash required at closing. |
| 933549 |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 754 | 768 | XXXX |
| 933549 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 45.83 | 54.00 | assets updated as per guideline with available latest statements - The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing |
| 933549 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | assets updated as per guideline with available latest statements - The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing |
| 933561 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 13.32 | 13.00 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing. |
| 933565 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 16.58 | 27.00 | Confirmed months reserves are sufficient |
| 933565 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Confirmed assets are sufficient |
| 933567 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 50.92 | 50.00 | Both figures are correct. The tape data is showing the Reserves as of the time of approval and the Verified Value is showing the Reserves as of closing - there is a difference on the 1008 in the amount of cash required at closing. |
| 933566 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 16.25 | 18.00 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing. |
| 933557 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 12.49 | 14.00 | XXXX |
| 933580 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing |
| 933580 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 108.3 | 180.00 | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing |
| 933413 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | XXXX |
| 933413 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 5.73 | 4.00 | XXXX |
| 933596 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 46.69 | 44.00 | Both figures are correct. The tape data is showing the reserves as of the time of approval and the Verified Value is showing the reserves as of closing - there is a difference on the 1008 in the amount of cash required at closing. |
| 933596 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | "Both figures are correct. The tape data is showing the assets as of the time of approval and the Verified Value is showing the assets as of closing - there is a difference on the 1008 in the amount of cash required at closing." |
| 933536 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 120.25 | 129.00 | 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 Verified Value is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing. |
| 933534 |  | XXXX | Primary Appraised Property Value | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 933534 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Verified Value correct as per provided statements |
| 933534 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 6.29 | 0.00 | Verified Value correct as per provided statements |
| 933534 |  | XXXX | Escrow Flag | finalCdDetailPage | Partial | Yes | We only have Taxes in Initial Escrow & Final CD hence this is partially Escrowed. |
| 933592 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 17.94 | 18.00 | The Verified Value values are based on the actual assets and reserves reflected in the loan file. |
| 933361 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | XXXX |
| 933361 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 11.22 | 56.00 | XXXX |
| 933573 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Both figures are correct. The tape data is showing the assets and reserves as of the time of approval and the Verified Value is showing the assets and reserves as of closing – there is a difference on the 1008 in the amount of cash required at closing |
| 933600 |  | XXXX | Total Qualified Assets for Reserves Post-Close | assetPage | XXXX | XXXX | Confirmed Verified Value Reserves per assets provided. |
| 933600 |  | XXXX | Qualifying Total Reserves Number of Months | assetPage | 30.76 | 4.00 | Confirmed Verified Value Reserves per assets provided. |

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