Loan Number

Deal

Seller Loan Number

Original Principal Balance

State

Loan Level ATR/QM Status

Verification Safe Harbor (VSH)?

Lender Provided ATR/QM Worksheet

Initial Lender ATR/QM Status

Application Date

Borrower 1 Citizenship

Borrower 2 Citizenship

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

One or more Verification Safe Harbor Guidelines used?

Current/Reasonably Expected Income or Assets per Guideline used?

Current Debt Obligations, Alimony & Child Support per Guideline used?

Monthly DTI (includes monthly payment on subject loan and simultaneous loans)

Monthly Residual Income per guideline used?

Compensating Factors used for QM determination documented before closing?

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

Asset Depletion

Asset Depletion Months Amortized

Asset Utilization

Partial Asset Depletion

Short Sale

Short Sale Date

Deed In Lieu

Deed In Lieu Date

QRM Flag

Borrower 2 Guarantor Flag

Borrower 2 Personal Guaranty Recourse to Borrower

Borrower 3 Guarantor Flag

Borrower 3 Personal Guaranty Recourse to Borrower

Borrower 4 Guarantor Flag

Borrower 4 Personal Guaranty Recourse to Borrower

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 Form

Borrower 1 Written VOE Number of Months

Borrower 2 Written VOE Flag

Borrower 2 Written VOE Form

Borrower 2 Written VOE Number of Months

Borrower 3 Written VOE Flag

Borrower 3 Written VOE Form

Borrower 3 Written VOE Number of Months

Borrower 4 Written VOE Flag

Borrower 4 Written VOE Form

Borrower 4 Written VOE Number of Months

Borrower 1 P&L Flag

Borrower 1 P&L Prepared By

Borrower 1 P&L Number of Months

Borrower 2 P&L Flag

Borrower 2 P&L Prepared By

Borrower 2 P&L Number of Months

Borrower 3 P&L Flag

Borrower 3 P&L Prepared By

Borrower 3 P&L Number of Months

Borrower 4 P&L Flag

Borrower 4 P&L Prepared By

Borrower 4 P&L Number of Months

Borrower 1 Lease Agreement Flag

Borrower 1 Lease Agreement Number of Months

Borrower 2 Lease Agreement Flag

Borrower 2 Lease Agreement Number of Months

Borrower 3 Lease Agreement Flag

Borrower 3 Lease Agreement Number of Months

Borrower 4 Lease Agreement Flag

Borrower 4 Lease Agreement Number of Months

Equity Income Flag

Equity Income Amount

Equity Income Number of Months

Cross Collateralized Loan?

Is the Loan a Short-Term Rental?

DSCR with Rent Schedule Flag

DSCR with Rent Schedule Income Amount

DSCR with Lease Agreement Flag

DSCR with Lease Agreement Income Amount

DSCR %

DSCR Method Used

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

Borrower 1 Documentation Used to Determine Legal Residency

Borrower 2 Documentation Used to Determine Legal Residency

Borrower 3 Documentation Used to Determine Legal Residency

Borrower 4 Documentation Used to Determine Legal Residency

409011483

XXXXX

QM: Safe Harbor (APOR)

Yes

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Rate and Term Refi

(No Data)

6.3886

Yes

0.081

0.000

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

32.91

32.09

32.91

32.09

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Paystub - 1 months;

W2 - 24 months

Paystub - 1 months;

W2 - 24 months

(No Data)

409012814

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.6527

Yes

0.166

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

35.41

35.4

35.41

35.4

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

IRS Transcripts – Tax Return(s) - 24 months;

Paystub - 27 months;

W2 - 24 months

(No Data)

409013618

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Rate and Term Refi

(No Data)

7.2472

Yes

1.181

Not Applicable

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

38.08

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Tax Return - 24 months;

IRS Transcripts – Tax Return(s) - 24 months;

P & L Only - 17 months;

Personal Tax Return - 24 months;

W2 - 24 months

(No Data)

409013631

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Second Home

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.9414

Yes

0.618

Not Applicable

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

30.83

30.78

30.83

30.78

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Paystub - 1 months;

W2 - 24 months

(No Data)

409013917

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Rate and Term Refi

(No Data)

7.2017

Yes

0.159

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

39.43

38.33

39.43

38.33

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Written VOE - 24 months

Paystub - 2 months;

W2 - 12 months;

Written VOE - 24 months

(No Data)

409013956

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

Yes

7.2074

0.136

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

47.85

48.5

47.85

48.5

Yes

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Yes

(No Data)

IRS Transcripts – Tax Return(s) - 24 months;

Paystub - 2 months;

Personal Tax Return - 24 months;

W2 - 24 months;

Written VOE - 24 months

(No Data)

409014270

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

7.2748

Yes

0.158

Not Applicable

Yes

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

37.8

35.97

37.8

35.97

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Written VOE - 24 months

(No Data)

409014919

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

Yes

6.9205

0.197

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

43.07

43.22

43.07

43.22

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 2 months;

W2 - 24 months;

Written VOE - 24 months

(No Data)

409014946

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

7.0514

Yes

1.221

0.000

Yes

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

26.33

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Paystub - 1 months;

W2 - 12 months

Paystub - 1 months;

W2 - 12 months

(No Data)

409014996

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

7.1278

Yes

1.246

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

34.23

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

IRS Transcripts – Tax Return(s) - 36 months;

Offer Letter - 1 months;

Paystub - 1 months;

W2 - 24 months

(No Data)

409015059

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

7.1495

0.344

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

46.46

44.26

46.46

44.26

Yes

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Yes

Borrower

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Tax Return - 12 months;

IRS Transcripts – Tax Return(s) - 12 months;

P & L - 18 months;

Paystub - 1 months;

Personal Tax Return - 12 months;

W2 - 24 months

IRS Transcripts – Tax Return(s) - 12 months;

Paystub - 29 months;

Personal Tax Return - 12 months;

W2 - 36 months;

Written VOE - 26 months

(No Data)

409015199

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Second Home

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

7.1090

Yes

0.046

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

25.95

26.97

25.95

26.97

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Borrower

(No Data)

Yes

(No Data)

Business Tax Return - 24 months;

IRS Transcripts – Tax Return(s) - 36 months;

P & L - 6 months;

Paystub - 1 months;

Personal Tax Return - 24 months;

W2 - 24 months

(No Data)

409015453

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

7.0243

Yes

0.214

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

42.26

42.49

42.26

42.49

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Award Letter - 12 months;

Business Tax Return - 24 months;

Personal Tax Return - 24 months

(No Data)

409015497

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

7.1563

Yes

0.158

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

27.13

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

IRS Transcripts – Tax Return(s) - 24 months;

Offer Letter - 1 months;

Paystub - 1 months;

W2 - 24 months

IRS Transcripts – Tax Return(s) - 24 months;

Paystub - 1 months;

W2 - 24 months

(No Data)

409015505

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR-Attached

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.5682

Yes

0.117

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

24.61

24.66

24.61

24.66

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 1 months;

W2 - 24 months;

Written VOE - 8 months

Paystub - 1 months;

W2 - 24 months;

Written VOE - 12 months

(No Data)

409015554

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.8954

Yes

0.012

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

28.14

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 1 months;

W2 - 24 months;

Written VOE - 24 months

Paystub - 1 months;

W2 - 24 months;

Written VOE - 24 months

(No Data)

409015616

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.8873

Yes

0.098

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

29.54

29.03

29.45

29.03

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Paystub - 2 months;

W2 - 24 months

Paystub - 2 months;

W2 - 24 months

(No Data)

409015703

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Cashout Refi

(No Data)

7.2083

Yes

2.179

Not Applicable

Yes

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

28.9

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

IRS Transcripts – W2(s) - 12 months;

Paystub - 1 months;

W2 - 12 months

(No Data)

409015743

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.8931

Yes

0.096

0.143

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

40.92

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 2 months;

W2 - 12 months;

Written VOE - 12 months

(No Data)

409015915

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Cashout Refi

(No Data)

6.8959

Yes

0.121

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

23.85

23.8

23.85

23.8

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 1 months;

W2 - 24 months

Paystub - 1 months;

W2 - 24 months;

Written VOE - 30 months

(No Data)

409015938

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

7.0391

Yes

0.167

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

37.57

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Yes

(No Data)

Offer Letter - 1 months;

Paystub - 1 months;

W2 - 24 months;

Written VOE - 24 months

Offer Letter - 1 months;

Paystub - 1 months;

W2 - 24 months;

Written VOE - 24 months

(No Data)

409016290

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Rate and Term Refi

(No Data)

7.0251

Yes

0.217

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

37.9

37.05

37.9

37.05

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Yes

(No Data)

Yes

(No Data)

IRS Transcripts – Tax Return(s) - 12 months;

Paystub - 30 months;

Personal Tax Return - 12 months;

W2 - 24 months;

Written VOE - 31 months

IRS Transcripts – Tax Return(s) - 12 months;

Paystub - 31 months;

Personal Tax Return - 12 months;

W2 - 24 months;

Written VOE - 31 months

(No Data)

409016342

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Rate and Term Refi

(No Data)

Yes

6.5540

0.216

0.000

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

43.68

43.29

43.68

43.29

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 1 months;

W2 - 24 months;

Written VOE - 24 months

Paystub - 1 months;

W2 - 24 months;

Written VOE - 24 months

(No Data)

409016348

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.3412

Yes

0.924

Not Applicable

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

36.19

36.2

36.19

36.2

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Personal Bank Statements - 4 months

(No Data)

409016365

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Cashout Refi

(No Data)

6.5896

Yes

0.079

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

42.7

41.78

42.7

41.78

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Tax Return - 24 months;

Paystub - 1 months;

Personal Tax Return - 24 months;

W2 - 24 months

Award Letter - 1 months

(No Data)

409016521

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Cashout Refi

(No Data)

6.7770

Yes

0.206

Not Applicable

Yes

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

28.83

28.93

28.83

28.93

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Award Letter - 1 months;

IRS Transcripts – Tax Return(s) - 24 months;

Personal Tax Return - 24 months

Award Letter - 1 months;

IRS Transcripts – Tax Return(s) - 24 months;

Personal Tax Return - 24 months

(No Data)

409016592

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.1653

Yes

0.368

Not Applicable

Yes

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

23.7

23.71

23.7

23.71

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

FMNA 1005

(No Data)

Yes

(No Data)

Yes

(No Data)

IRS Transcripts – Tax Return(s) - 12 months;

Personal Tax Return - 12 months

IRS Transcripts – Tax Return(s) - 12 months;

Paystub - 1 months;

Personal Tax Return - 12 months;

W2 - 24 months;

Written VOE - 30 months

(No Data)

409016654

XXXXX

QM: Safe Harbor (APOR)

Yes

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Cashout Refi

(No Data)

6.9009

Yes

0.186

0.000

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

42.41

42.54

42.41

42.54

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Offer Letter - 1 months;

Paystub - 1 months;

W2 - 24 months

Paystub - 1 months;

W2 - 24 months

(No Data)

409016676

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

7.1096

Yes

1.535

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

40.2

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Personal Tax Return - 24 months;

W2 - 36 months

(No Data)

409016681

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.5275

Yes

0.206

0.126

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

36.06

34.99

36.06

34.99

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Paystub - 2 months;

W2 - 24 months

(No Data)

409016690

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Rate and Term Refi

(No Data)

6.5383

Yes

0.146

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

19.23

19.67

19.23

19.67

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Borrower

(No Data)

Yes

(No Data)

Business Tax Return - 36 months;

IRS Transcripts – Tax Return(s) - 24 months;

P & L - 18 months;

Personal Tax Return - 24 months;

W2 - 36 months

(No Data)

409016713

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Low Rise Condo (1-4)

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.2863

Yes

0.732

Not Applicable

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

39.85

40.01

39.85

40.01

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

1099 - 24 months;

Award Letter - 1 months;

IRS Transcripts – Tax Return(s) - 24 months;

Paystub - 1 months;

Personal Tax Return - 24 months;

W2 - 24 months

(No Data)

409016727

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Construction/Perm

(No Data)

6.5761

Yes

0.815

Not Applicable

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

39.72

39.49

39.72

39.49

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

1099 - 12 months;

Award Letter - 12 months;

Business Tax Return - 24 months;

IRS Transcripts – Tax Return(s) - 24 months;

Personal Tax Return - 24 months

(No Data)

409016764

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Second Home

SFR

XXXXX

Conventional

(No Data)

Construction/Perm

(No Data)

6.4837

Yes

1.309

0.000

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

25.59

25.65

25.59

25.65

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Tax Return - 12 months;

IRS Transcripts – Tax Return(s) - 24 months;

Paystub - 1 months;

Personal Tax Return - 12 months;

W2 - 24 months

Business Tax Return - 12 months;

IRS Transcripts – Tax Return(s) - 24 months;

Paystub - 1 months;

Personal Tax Return - 12 months;

W2 - 24 months

(No Data)

409016784

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

Non-Permanent Resident Alien

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

Exempt

6.1540

0.153

0.000

Yes

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

47.94

48.32

47.94

48.32

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Paystub - 1 months;

Personal Tax Return - 24 months;

W2 - 24 months

Paystub - 1 months;

Personal Tax Return - 24 months;

W2 - 36 months

(No Data)

Work Visa

(No Data)

409016791

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

Exempt

6.4038

0.142

0.000

Yes

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

44.28

45.27

44.28

45.27

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Borrower

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

IRS Transcripts – Tax Return(s) - 36 months;

P & L - 4 months;

Personal Tax Return - 24 months

Award Letter - 12 months;

IRS Transcripts – Tax Return(s) - 36 months;

Paystub - 1 months;

Personal Tax Return - 24 months

(No Data)

409016794

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Construction/Perm

(No Data)

7.1925

Yes

1.142

Missing

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

31.39

39.48

31.39

39.48

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Yes

Borrower

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Tax Return - 36 months;

IRS Transcripts – Tax Return(s) - 24 months;

P & L - 8 months;

Paystub - 1 months;

Personal Tax Return - 24 months;

W2 - 24 months;

Written VOE - 28 months

IRS Transcripts – Tax Return(s) - 24 months;

Paystub - 1 months;

Personal Tax Return - 24 months;

W2 - 24 months

(No Data)

409016858

XXXXX

QM: Safe Harbor (APOR)

Yes

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.5342

Yes

0.259

0.240

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

25.9

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Paystub - 1 months;

W2 - 24 months

Paystub - 1 months;

W2 - 24 months

(No Data)

409016881

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Rate and Term Refi

(No Data)

7.1464

Yes

0.247

0.000

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

16.43

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Yes

(No Data)

Paystub - 1 months;

W2 - 24 months;

Written VOE - 55 months

Offer Letter - 12 months;

Paystub - 1 months;

W2 - 24 months

(No Data)

409016894

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

5.9848

Yes

0.829

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

33.28

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 1 months;

W2 - 12 months;

Written VOE - 24 months

(No Data)

409016976

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.9357

Yes

0.128

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

25.33

25.07

25.33

25.07

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Tax Return - 12 months;

IRS Transcripts – Tax Return(s) - 12 months;

IRS Transcripts – W2(s) - 12 months;

Paystub - 1 months;

Personal Tax Return - 12 months

(No Data)

409017218

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Construction/Perm

(No Data)

7.9698

Yes

0.885

Not Applicable

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

24.28

34.11

34.28

34.11

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

IRS Transcripts – Tax Return(s) - 24 months;

Paystub - 1 months;

Personal Tax Return - 24 months;

W2 - 24 months

IRS Transcripts – Tax Return(s) - 24 months;

Paystub - 1 months;

Personal Tax Return - 24 months;

W2 - 24 months

(No Data)

409017219

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

7.2478

Yes

0.158

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

25.3

25.4

25.3

25.4

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Yes

(No Data)

IRS Transcripts – Tax Return(s) - 24 months;

Paystub - 1 months;

Personal Tax Return - 24 months;

W2 - 24 months;

Written VOE - 24 months

(No Data)

409017306

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Cashout Refi

(No Data)

6.4882

Yes

1.108

0.000

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

41.85

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 43 months;

W2 - 24 months;

Written VOE - 31 months

(No Data)

409017317

XXXXX

QM: Safe Harbor (APOR)

Yes

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Second Home

SFR

XXXXX

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

6.7684

Yes

0.108

0.000

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

43.9

41.29

43.9

41.29

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Tax Return - 24 months;

IRS Transcripts – Tax Return(s) - 12 months;

Personal Tax Return - 24 months

(No Data)

409017349

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.8993

Yes

0.15

Not Applicable

Yes

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

24.17

24.12

24.17

24.12

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Borrower

(No Data)

Business Tax Return - 24 months;

P & L - 18 months;

Personal Tax Return - 24 months

(No Data)

409017351

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.8890

Yes

0.085

Not Applicable

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

38.11

36.62

38.11

36.62

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

IRS Transcripts – Tax Return(s) - 24 months;

Personal Bank Statements - 3 months;

Personal Tax Return - 24 months

(No Data)

409017413

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

Yes

6.7637

1.318

Not Applicable

Yes

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

49.96

49.81

49.96

49.81

Yes

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 1 months;

W2 - 24 months

Paystub - 1 months;

W2 - 24 months;

Written VOE - 24 months

(No Data)

409017470

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

7.0297

Yes

0.196

0.000

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

38.71

38.85

38.71

38.85

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

FMNA 1005

(No Data)

Yes

(No Data)

Paystub - 1 months;

W2 - 24 months;

Written VOE - 24 months

IRS Transcripts – Tax Return(s) - 24 months;

Personal Tax Return - 24 months

(No Data)

409017473

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Cashout Refi

(No Data)

7.5584

Yes

1.756

Not Applicable

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

23.69

23.7

23.69

23.7

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Tax Return - 24 months;

IRS Transcripts – Tax Return(s) - 24 months;

Paystub - 1 months;

Personal Tax Return - 24 months;

W2 - 36 months

(No Data)

409017485

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Rate and Term Refi

(No Data)

6.5299

Yes

0.175

Not Applicable

Yes

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

26.23

26.08

26.23

26.08

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

FMNA 1005

(No Data)

Paystub - 1 months;

W2 - 24 months;

Written VOE - 30 months

Paystub - 1 months;

W2 - 12 months

(No Data)

409017487

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Cashout Refi

(No Data)

Exempt

6.7230

0.86

Not Applicable

Yes

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

44.81

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

FMNA 1005

(No Data)

Paystub - 1 months;

W2 - 24 months;

Written VOE - 24 months

(No Data)

409017500

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.6459

Yes

0.22

Not Applicable

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

29.28

29.99

29.28

29.99

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 1 months;

W2 - 24 months;

Written VOE - 18 months

Paystub - 1 months;

W2 - 24 months

(No Data)

409017799

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

6.7650

1.375

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

49.04

46.55

49.04

46.55

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Yes

(No Data)

IRS Transcripts – W2(s) - 24 months;

Paystub - 30 months;

W2 - 24 months;

Written VOE - 30 months

(No Data)

409017841

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.7676

Yes

0.071

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

42.48

40.87

42.48

40.87

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

FMNA 1005

(No Data)

Paystub - 2 months;

W2 - 24 months;

Written VOE - 31 months

(No Data)

409017921

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

Yes

6.7768

0.083

Not Applicable

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

44.22

43.22

44.22

43.22

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Tax Return - 12 months;

IRS Transcripts – Tax Return(s) - 12 months;

Personal Tax Return - 12 months;

W2 - 12 months

Business Tax Return - 12 months;

IRS Transcripts – Tax Return(s) - 12 months;

Personal Tax Return - 12 months;

W2 - 12 months

(No Data)

409017929

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.6548

Yes

1.583

Not Applicable

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

41.84

41.25

41.84

41.25

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Paystub - 3 months;

W2 - 24 months

(No Data)

409017991

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

7.4405

Yes

1.532

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

34.71

36.59

34.71

36.59

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 2 months;

W2 - 24 months;

Written VOE - 24 months

Paystub - 2 months;

W2 - 24 months;

Written VOE - 24 months

(No Data)

409017995

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.8979

Yes

0.191

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

35.67

33.77

35.67

33.77

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Yes

Borrower

(No Data)

Yes

(No Data)

Business Tax Return - 24 months;

IRS Transcripts – Tax Return(s) - 24 months;

P & L - 6 months;

Personal Tax Return - 24 months

Paystub - 1 months;

Personal Tax Return - 24 months;

W2 - 24 months;

Written VOE - 31 months

(No Data)

409017996

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.4169

Yes

0.32

Not Applicable

Yes

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

21.1

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 1 months;

W2 - 24 months;

Written VOE - 30 months

Paystub - 1 months;

W2 - 24 months;

Written VOE - 30 months

(No Data)

409018252

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

Yes

6.5672

0.148

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

45.68

45.08

45.68

45.08

Yes

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

IRS Transcripts – Tax Return(s) - 24 months;

Paystub - 1 months;

Personal Tax Return - 24 months;

W2 - 24 months;

Written VOE - 18 months

Business Tax Return - 24 months;

IRS Transcripts – Tax Return(s) - 12 months;

Offer Letter - 1 months;

Personal Tax Return - 24 months;

W2 - 24 months

(No Data)

409018259

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Rate and Term Refi

(No Data)

6.4001

Yes

0.927

2.882

Yes

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

31.35

31.48

31.35

31.48

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 2 months;

W2 - 24 months;

Written VOE - 24 months

Paystub - 2 months;

W2 - 24 months;

Written VOE - 24 months

(No Data)

409018261

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.5619

Yes

0.603

Not Applicable

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

40.3

40.33

40.3

40.33

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 1 months;

W2 - 24 months

Paystub - 1 months;

W2 - 24 months;

Written VOE - 31 months

(No Data)

409018269

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

Yes

7.4149

1.556

0.142

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

48.17

Yes

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

IRS Transcripts – W2(s) - 24 months;

Offer Letter - 1 months;

Paystub - 1 months

(No Data)

409018272

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.5217

Yes

0.16

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

31.82

31.71

31.82

31.71

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Paystub - 1 months;

W2 - 24 months

Paystub - 1 months;

W2 - 24 months

(No Data)

409018277

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Rate and Term Refi

(No Data)

Yes

6.8976

1.468

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

44.89

44.04

44.89

44.04

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

Yes

FMNA 1005

(No Data)

Paystub - 1 months;

W2 - 24 months;

Written VOE - 24 months

Paystub - 1 months;

W2 - 24 months;

Written VOE - 24 months

(No Data)

409018280

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.4364

Yes

0.183

Yes

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

26.31

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Lender Form

(No Data)

Paystub - 1 months;

W2 - 24 months;

Written VOE - 12 months

Paystub - 1 months;

W2 - 24 months

(No Data)

409018374

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.7704

Yes

1.433

0.000

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

27.28

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Paystub - 1 months;

W2 - 12 months

Paystub - 3 months;

W2 - 12 months

(No Data)

409018378

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Rate and Term Refi

(No Data)

7.1550

Yes

0.161

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

33.77

32.05

33.77

32.05

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Paystub - 30 months;

W2 - 24 months

(No Data)

409018380

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

Yes

6.9045

0.153

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

49.47

48.58

49.47

48.58

Yes

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Borrower

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Tax Return - 12 months;

IRS Transcripts – Tax Return(s) - 12 months;

Lease Agreement - 12 months;

P & L - 6 months;

Personal Tax Return - 12 months;

W2 - 12 months

(No Data)

409018387

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Cashout Refi

(No Data)

6.3901

Yes

0.102

0.000

Yes

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

34.04

35.95

34.04

35.95

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Yes

(No Data)

IRS Transcripts – Tax Return(s) - 12 months;

Personal Tax Return - 12 months;

W2 - 24 months;

Written VOE - 31 months

(No Data)

409018404

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

Yes

6.3989

0.171

0.224

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

44.98

44.66

44.98

44.66

Yes

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

FMNA 1005

(No Data)

Business Tax Return - 24 months;

Paystub - 1 months;

Personal Tax Return - 24 months;

W2 - 12 months;

Written VOE - 24 months

(No Data)

409018406

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Rate and Term Refi

(No Data)

Yes

6.8750

0.000

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

43.94

43.83

43.94

43.83

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Offer Letter - 1 months;

Paystub - 2 months;

W2 - 24 months

Paystub - 3 months;

W2 - 24 months

(No Data)

409018408

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Second Home

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

7.1348

Yes

0.065

0.124

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

6.95

6.68

6.95

6.68

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

IRS Transcripts – Tax Return(s) - 24 months;

Paystub - 30 months;

Personal Tax Return - 12 months;

W2 - 24 months

(No Data)

409018432

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

Yes

6.8971

0.193

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

43.05

43.06

43.05

43.06

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 19 months;

W2 - 24 months;

Written VOE - 32 months

Paystub - 1 months;

W2 - 24 months;

Written VOE - 24 months

(No Data)

409018438

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.5263

Yes

0.233

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

33.33

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 1 months;

W2 - 24 months;

Written VOE - 24 months

Paystub - 1 months;

W2 - 24 months

(No Data)

409018448

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR-Attached

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.5314

Yes

0.194

Not Applicable

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

24.4

25.58

24.4

25.58

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 30 months;

W2 - 24 months;

Written VOE - 31 months

Paystub - 1 months;

W2 - 24 months;

Written VOE - 31 months

(No Data)

409018460

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.6473

Yes

0.075

Not Applicable

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

36.47

36.87

36.47

36.87

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

FMNA 1005

(No Data)

Paystub - 1 months;

W2 - 24 months;

Written VOE - 30 months

(No Data)

409018491

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

7.0208

Yes

0.173

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

38.84

38.85

38.84

38.85

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

1099 - 12 months;

Paystub - 1 months;

W2 - 24 months;

Written VOE - 30 months

Paystub - 1 months;

W2 - 24 months;

Written VOE - 30 months

(No Data)

409018496

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Cashout Refi

(No Data)

6.5003

Yes

0.53

Not Applicable

Yes

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

35.75

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 1 months;

W2 - 24 months;

Written VOE - 30 months

Paystub - 1 months;

W2 - 24 months;

Written VOE - 30 months

(No Data)

409018505

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Cashout Refi

(No Data)

6.9554

Yes

1.67

2.428

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

33.26

33.5

33.26

33.5

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Tax Return - 24 months;

IRS Transcripts – Tax Return(s) - 24 months;

Personal Tax Return - 24 months;

W2 - 24 months

(No Data)

409018522

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Rate and Term Refi

(No Data)

Yes

6.6464

0.229

Not Applicable

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

49.95

46.74

49.95

46.74

Yes

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Award Letter - 1 months;

IRS Transcripts – Tax Return(s) - 24 months;

Personal Bank Statements - 1 months;

Personal Tax Return - 24 months

Award Letter - 1 months;

IRS Transcripts – Tax Return(s) - 24 months;

Personal Tax Return - 24 months

(No Data)

409018528

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Rate and Term Refi

(No Data)

6.1850

Yes

0.106

Not Applicable

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

20.43

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 1 months;

W2 - 24 months;

Written VOE - 31 months

(No Data)

409018593

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Rate and Term Refi

(No Data)

6.7748

Yes

0.187

Yes

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

33.84

36.83

33.84

36.83

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Yes

(No Data)

IRS Transcripts – Tax Return(s) - 12 months;

Personal Tax Return - 24 months

Paystub - 2 months;

W2 - 24 months;

Written VOE - 24 months

(No Data)

409018594

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

Yes

6.5567

0.291

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

46.35

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 1 months;

W2 - 24 months;

Written VOE - 22 months

(No Data)

409018606

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

Yes

6.5090

0.083

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

48.7

49.58

48.7

49.58

Yes

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Yes

(No Data)

Offer Letter - 1 months;

Paystub - 1 months;

Personal Tax Return - 24 months;

W2 - 24 months;

Written VOE - 27 months

(No Data)

409018617

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

Permanent Resident Alien

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.9024

Yes

0.225

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

42.93

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

FMNA 1005

(No Data)

Paystub - 1 months;

Written VOE - 31 months

(No Data)

Green Card

(No Data)

409018619

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

Yes

6.4142

0.36

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

43.13

48.61

43.13

48.61

Yes

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Tax Return - 24 months;

CPA Letter - 1 months;

IRS Transcripts – Tax Return(s) - 24 months;

P & L Only - 18 months;

Personal Tax Return - 24 months;

W2 - 36 months

(No Data)

409018709

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.8916

Yes

0.112

Not Applicable

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

14.32

14.33

14.32

14.33

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

FMNA 1005

(No Data)

Yes

(No Data)

Business Tax Return - 24 months;

IRS Transcripts – Tax Return(s) - 24 months;

Personal Tax Return - 24 months;

W2 - 12 months;

Written VOE - 12 months

(No Data)

409018724

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.5135

Yes

0.129

0.102

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

37.65

39.1

37.65

39.1

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Tax Return - 24 months;

IRS Transcripts – Tax Return(s) - 12 months;

Personal Tax Return - 24 months

IRS Transcripts – Tax Return(s) - 12 months;

Paystub - 1 months;

Personal Tax Return - 24 months;

Verbal VOE with Income - 24 months;

W2 - 24 months;

Written VOE - 24 months

(No Data)

409018735

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Cashout Refi

(No Data)

7.0222

Yes

0.166

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

40.36

40.07

40.36

40.07

(No Data)

XXXXX

Yes

XXXX

Yes

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Yes

(No Data)

Yes

(No Data)

Award Letter - 1 months;

Paystub - 1 months;

Personal Bank Statements - 1 months;

W2 - 24 months;

Written VOE - 24 months

Paystub - 1 months;

W2 - 24 months;

Written VOE - 24 months

(No Data)

409018738

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Rate and Term Refi

(No Data)

7.1833

Yes

2.525

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

37.38

35.75

37.38

35.75

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Borrower

(No Data)

Yes

(No Data)

Business Tax Return - 24 months;

IRS Transcripts – Tax Return(s) - 24 months;

P & L - 7 months;

Paystub - 1 months;

Personal Tax Return - 24 months;

W2 - 24 months

(No Data)

409018750

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

7.1452

Yes

0.112

Not Applicable

Yes

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

38.65

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Tax Return - 24 months;

CPA Letter without Income - 24 months;

IRS Transcripts – Tax Return(s) - 12 months;

Personal Tax Return - 12 months;

W2 - 24 months

(No Data)

409018753

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

Yes

6.9473

Yes

0.182

Not Applicable

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

42.76

48.89

42.76

48.89

Yes

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Business Tax Return - 24 months;

Paystub - 1 months;

Personal Tax Return - 24 months;

W2 - 24 months;

Written VOE - 29 months

(No Data)

409018763

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.7751

Yes

0.114

0.000

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

18.38

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Paystub - 1 months;

W2 - 24 months

(No Data)

409018766

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

Non-Permanent Resident Alien

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.2741

Yes

0.154

0.000

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

40.31

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Yes

(No Data)

Yes

(No Data)

IRS Transcripts – W2(s) - 24 months;

Paystub - 2 months;

W2 - 24 months;

Written VOE - 31 months

IRS Transcripts – W2(s) - 24 months;

Paystub - 2 months;

W2 - 24 months;

Written VOE - 31 months

(No Data)

Work Visa

(No Data)

409018823

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.8882

Yes

0.095

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

39.17

39.35

39.17

39.35

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Borrower

(No Data)

Yes

(No Data)

Business Tax Return - 24 months;

IRS Transcripts – Tax Return(s) - 36 months;

P & L - 1 months;

Paystub - 1 months;

Personal Tax Return - 24 months;

W2 - 24 months

(No Data)

409018834

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Second Home

Detached PUD

XXXXX

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

6.6559

0.139

0.000

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

44.39

44.48

44.39

44.48

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter - 1 months;

IRS Transcripts – Tax Return(s) - 24 months;

Paystub - 1 months;

W2 - 24 months

(No Data)

409018844

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.8005

Yes

1.66

Not Applicable

Yes

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

15.34

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Paystub - 1 months;

W2 - 24 months

Paystub - 1 months;

W2 - 24 months

(No Data)

409018854

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.6939

Yes

0.19

Not Applicable

Yes

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

40.59

42.11

40.59

42.11

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

FMNA 1005

Yes

FMNA 1005

(No Data)

Paystub - 1 months;

W2 - 24 months;

Written VOE - 24 months

Paystub - 1 months;

W2 - 24 months;

Written VOE - 24 months

(No Data)

409018856

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.9007

Yes

0.167

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

37.25

38.53

37.25

38.53

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Yes

Borrower

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

IRS Transcripts – Tax Return(s) - 12 months;

Paystub - 1 months;

Personal Tax Return - 12 months;

W2 - 24 months;

Written VOE - 24 months

1099 - 24 months;

Business Tax Return - 24 months;

CPA Letter without Income - 1 months;

IRS Transcripts – Tax Return(s) - 12 months;

P & L - 7 months;

Paystub - 1 months;

Personal Tax Return - 24 months;

W2 - 24 months

(No Data)

409018880

XXXXX

QM: Safe Harbor (APOR)

Not Provided

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.7988

Yes

0.164

Not Applicable

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

24.82

24.61

24.82

24.61

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 3 months;

W2 - 24 months;

Written VOE - 29 months

Paystub - 3 months;

W2 - 24 months;

Written VOE - 53 months

(No Data)

409018890

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Rowhouse

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.5224

Yes

0.27

0.135

Yes

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

19.8

19.88

19.8

19.88

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Borrower

(No Data)

Yes

(No Data)

Business Tax Return - 24 months;

CPA Letter without Income - 1 months;

P & L - 19 months;

Personal Tax Return - 12 months

(No Data)

409018891

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.6503

Yes

0.125

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

35.82

37.11

35.82

37.11

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Tax Return - 24 months;

IRS Transcripts – Tax Return(s) - 12 months;

Personal Tax Return - 24 months;

W2 - 24 months

(No Data)

409018909

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

Permanent Resident Alien

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.4008

Yes

0.094

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

32.19

32.69

31.19

32.69

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Paystub - 2 months;

W2 - 24 months

Paystub - 2 months;

W2 - 24 months

(No Data)

Green Card

(No Data)

409018919

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

Non-Permanent Resident Alien

(No Data)

Primary

Attached PUD

XXXXX

Conventional

(No Data)

Rate and Term Refi

(No Data)

6.5237

Yes

0.144

0.000

Yes

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

25.56

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 1 months;

W2 - 24 months;

Written VOE - 32 months

Paystub - 1 months;

W2 - 24 months;

Written VOE - 32 months

(No Data)

Work Visa

(No Data)

409018933

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.3905

Yes

0.086

Not Applicable

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

32.39

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Yes

(No Data)

Yes

(No Data)

IRS Transcripts – Tax Return(s) - 36 months;

Paystub - 1 months;

Personal Tax Return - 24 months;

W2 - 24 months;

Written VOE - 30 months

IRS Transcripts – Tax Return(s) - 36 months;

Paystub - 1 months;

Personal Tax Return - 24 months;

W2 - 24 months

(No Data)

409018948

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.1507

Yes

0.173

Not Applicable

Yes

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

26.89

25.9

26.89

25.9

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Paystub - 1 months;

W2 - 24 months

Paystub - 1 months;

W2 - 12 months

(No Data)

409018954

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

Permanent Resident Alien

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

6.4266

0.563

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

45.98

Yes

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 1 months;

W2 - 24 months;

Written VOE - 31 months

Paystub - 1 months;

W2 - 24 months;

Written VOE - 31 months

(No Data)

Green Card

(No Data)

409018955

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Cashout Refi

(No Data)

6.6007

Yes

0.991

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

39.87

39.67

39.87

39.67

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

FMNA 1005

Yes

FMNA 1005

(No Data)

Yes

(No Data)

IRS Transcripts – Tax Return(s) - 12 months;

IRS Transcripts – W2(s) - 24 months;

Paystub - 1 months;

Personal Tax Return - 12 months;

W2 - 24 months;

Written VOE - 24 months

IRS Transcripts – Tax Return(s) - 12 months;

IRS Transcripts – W2(s) - 24 months;

Paystub - 1 months;

Personal Tax Return - 12 months;

W2 - 24 months;

Written VOE - 24 months

(No Data)

409018969

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.6434

Yes

0.132

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

40.81

40.8

40.81

40.8

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

FMNA 1005

(No Data)

Yes

(No Data)

IRS Transcripts – W2(s) - 12 months;

Paystub - 1 months;

W2 - 24 months;

Written VOE - 29 months

(No Data)

409018972

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Site Condo

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.0719

Yes

0.157

Yes

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

42.76

40.32

42.76

40.32

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Written VOE - 24 months

(No Data)

409018981

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

Non-Permanent Resident Alien

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.5250

Yes

0.178

Not Applicable

Yes

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

19.38

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Yes

(No Data)

IRS Transcripts – W2(s) - 12 months;

Paystub - 1 months;

W2 - 12 months;

Written VOE - 32 months

(No Data)

Work Visa

(No Data)

409018983

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Rate and Term Refi

(No Data)

6.6482

Yes

0.179

Not Applicable

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

25.24

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Paystub - 1 months;

W2 - 24 months

(No Data)

409019075

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Rate and Term Refi

(No Data)

6.6409

Yes

0.128

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

24.1

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Paystub - 2 months;

W2 - 24 months

Paystub - 2 months;

W2 - 24 months

(No Data)

409019162

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

6.8971

0.165

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

44.97

Yes

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

IRS Transcripts – Tax Return(s) - 24 months;

Paystub - 30 months;

W2 - 24 months

(No Data)

409019168

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.9968

Yes

Not Applicable

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

28.51

28.28

28.51

28.28

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Business Tax Return - 36 months;

W2 - 24 months;

Written VOE - 31 months

(No Data)

409019379

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Cashout Refi

(No Data)

6.6605

Yes

1.093

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

34.35

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 30 months;

W2 - 24 months;

Written VOE - 24 months

(No Data)

409019385

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.2718

Yes

0.124

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

34.67

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Paystub - 1 months;

W2 - 24 months

Paystub - 1 months;

W2 - 24 months

(No Data)

409019429

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Rate and Term Refi

(No Data)

6.9009

Yes

0.185

Yes

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

25.6

26.06

25.6

26.06

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Borrower

(No Data)

Yes

(No Data)

Business Tax Return - 24 months;

IRS Transcripts – Tax Return(s) - 24 months;

IRS Transcripts – W2(s) - 36 months;

P & L - 6 months;

Personal Tax Return - 24 months;

W2 - 24 months

(No Data)

409019434

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.6335

Yes

0.011

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

34.6

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Borrower

(No Data)

Yes

(No Data)

Business Tax Return - 24 months;

IRS Transcripts – Tax Return(s) - 12 months;

P & L - 19 months;

Personal Tax Return - 12 months;

W2 - 24 months

(No Data)

409019450

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.6528

Yes

0.213

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

38.39

38.84

38.39

38.84

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Yes

(No Data)

Yes

(No Data)

IRS Transcripts – Tax Return(s) - 24 months;

Paystub - 1 months;

Personal Tax Return - 24 months;

W2 - 24 months;

Written VOE - 24 months

IRS Transcripts – Tax Return(s) - 24 months;

Paystub - 1 months;

Personal Tax Return - 24 months;

W2 - 24 months;

Written VOE - 24 months

(No Data)

409019489

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

7.0278

Yes

0.147

Not Applicable

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

33.87

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Tax Return - 12 months;

CPA Letter without Income - 24 months;

IRS Transcripts – Tax Return(s) - 12 months;

Personal Tax Return - 12 months;

W2 - 12 months

(No Data)

409019506

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

Permanent Resident Alien

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Cashout Refi

(No Data)

6.6896

Yes

0.223

0.220

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

43.33

30.51

42.33

30.51

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 2 months;

W2 - 24 months;

Written VOE - 24 months

Paystub - 2 months;

W2 - 24 months;

Written VOE - 24 months

(No Data)

Green Card

(No Data)

409019532

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

Yes

7.0619

0.193

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

46.79

Yes

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

Yes

FMNA 1005

(No Data)

Paystub - 1 months;

W2 - 24 months;

Written VOE - 24 months

Paystub - 31 months;

W2 - 24 months;

Written VOE - 24 months

(No Data)

409019536

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.2700

Yes

0.145

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

38.89

38.55

38.89

38.55

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Yes

(No Data)

Yes

(No Data)

IRS Transcripts – W2(s) - 24 months;

Paystub - 1 months;

W2 - 24 months;

Written VOE - 31 months

IRS Transcripts – W2(s) - 24 months;

Paystub - 1 months;

W2 - 24 months;

Written VOE - 31 months

(No Data)

409019544

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

6.8940

0.124

Not Applicable

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

46.33

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

FMNA 1005

(No Data)

Yes

(No Data)

1099 - 12 months;

Award Letter - 24 months

Paystub - 2 months;

W2 - 24 months;

Written VOE - 14 months

(No Data)

409019567

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.4967

Yes

1.092

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

41.34

38.52

41.34

38.52

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 1 months;

Personal Tax Return - 12 months;

W2 - 24 months;

Written VOE - 24 months

Paystub - 1 months;

Personal Tax Return - 12 months;

W2 - 24 months

(No Data)

409019598

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

7.0553

Yes

1.953

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

33.58

35.58

33.58

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Paystub - 1 months;

W2 - 24 months

(No Data)

409020593

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Rate and Term Refi

(No Data)

6.6225

Yes

1.222

1.220

Yes

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

32.37

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Tax Return - 12 months;

IRS Transcripts – Tax Return(s) - 12 months;

Paystub - 2 months;

Personal Tax Return - 12 months;

W2 - 24 months

Paystub - 2 months;

W2 - 24 months

(No Data)

409020596

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Rate and Term Refi

(No Data)

Yes

7.2629

0.088

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

48.29

48.58

48.29

48.58

Yes

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Yes

Borrower

(No Data)

Yes

(No Data)

Personal Tax Return - 24 months;

W2 - 12 months;

Written VOE - 31 months

Business Tax Return - 24 months;

IRS Transcripts – Tax Return(s) - 24 months;

P & L - 7 months;

Personal Tax Return - 24 months

(No Data)

409020600

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Cashout Refi

(No Data)

7.0233

Yes

0.153

Not Applicable

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

36.31

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Paystub - 1 months;

Personal Tax Return - 12 months;

W2 - 24 months

Paystub - 1 months;

Personal Tax Return - 12 months;

W2 - 24 months

(No Data)

409020627

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.4905

Yes

0.209

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

25.21

25.08

25.21

25.08

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 1 months;

W2 - 24 months;

Written VOE - 24 months

(No Data)

409020637

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

Yes

7.3859

Yes

0.183

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

43.86

34.03

43.86

34.03

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Tax Return - 12 months;

Personal Tax Return - 12 months;

W2 - 24 months

(No Data)

409020640

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

Permanent Resident Alien

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.2619

Yes

0.084

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

41.67

41.68

41.67

41.68

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

IRS Transcripts – W2(s) - 24 months;

Offer Letter - 1 months;

W2 - 24 months;

Written VOE - 24 months

IRS Transcripts – W2(s) - 24 months;

Paystub - 1 months;

W2 - 24 months;

Written VOE - 24 months

(No Data)

Green Card

(No Data)

409020649

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Cashout Refi

(No Data)

6.3945

Yes

0.15

0.150

Yes

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

18.99

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 2 months;

W2 - 24 months;

Written VOE - 24 months

(No Data)

409020656

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Rate and Term Refi

(No Data)

6.5287

Yes

0.085

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

34.86

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

FMNA 1005

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Yes

(No Data)

Yes

(No Data)

IRS Transcripts – Tax Return(s) - 24 months;

Paystub - 2 months;

W2 - 24 months;

Written VOE - 14 months

IRS Transcripts – Tax Return(s) - 24 months;

Paystub - 1 months;

W2 - 24 months;

Written VOE - 31 months

(No Data)

409020661

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.6722

Yes

0.127

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

40.78

40.93

40.78

40.93

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

FMNA 1005

(No Data)

Yes

(No Data)

Offer Letter - 1 months;

Paystub - 1 months;

W2 - 12 months;

Written VOE - 31 months

(No Data)

409020673

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.7722

Yes

0.15

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

25.28

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Tax Return - 24 months;

IRS Transcripts – Tax Return(s) - 24 months;

Personal Tax Return - 24 months;

W2 - 24 months

(No Data)

409020684

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Rate and Term Refi

(No Data)

Yes

6.9141

0.389

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

43.67

43.65

43.67

43.65

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 1 months;

W2 - 24 months;

Written VOE - 24 months

(No Data)

409020686

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR-Attached

XXXXX

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

6.9148

1.858

Not Applicable

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

49.98

49.97

49.98

49.97

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Personal Bank Statements - 2 months

(No Data)

409020702

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Low Rise Condo (1-4)

XXXXX

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

6.8051

1.524

Not Applicable

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

46.9

46.68

46.9

46.68

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

FMNA 1005

(No Data)

Yes

Borrower

(No Data)

Business Tax Return - 24 months;

P & L - 18 months;

Personal Tax Return - 12 months;

W2 - 24 months

Paystub - 2 months;

W2 - 12 months;

Written VOE - 19 months

(No Data)

409020707

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.4229

Yes

0.161

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

32.54

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 1 months;

W2 - 24 months;

Written VOE - 31 months

Paystub - 1 months;

W2 - 24 months;

Written VOE - 31 months

(No Data)

409020725

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.6498

Yes

0.185

Not Applicable

Yes

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

23.45

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Paystub - 1 months;

W2 - 24 months

Paystub - 1 months;

W2 - 24 months

(No Data)

409020734

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

Permanent Resident Alien

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Rate and Term Refi

(No Data)

6.3612

Yes

1.12

0.000

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

36.25

36.12

36.25

36.12

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

FMNA 1005

(No Data)

Paystub - 1 months;

W2 - 12 months

Paystub - 1 months;

W2 - 12 months;

Written VOE - 24 months

(No Data)

Green Card

(No Data)

409020736

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

Permanent Resident Alien

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.6548

Yes

0.406

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

32.48

32.25

32.48

32.25

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

FMNA 1005

Yes

FMNA 1005

(No Data)

Paystub - 30 months;

W2 - 24 months;

Written VOE - 31 months

Paystub - 1 months;

W2 - 24 months;

Written VOE - 4 months

(No Data)

Green Card

(No Data)

409020737

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.6554

Yes

0.127

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

36.47

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Yes

(No Data)

Offer Letter - 1 months;

Paystub - 1 months;

W2 - 24 months;

Written VOE - 1 months

Paystub - 1 months;

W2 - 12 months;

Written VOE - 12 months

(No Data)

409020745

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR-Attached

XXXXX

Conventional

(No Data)

Purchase

(No Data)

Yes

6.3970

0.151

Yes

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

46.69

47.09

46.69

47.09

Yes

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 1 months;

W2 - 24 months;

Written VOE - 24 months

(No Data)

409020747

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

Yes

6.5155

0.112

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

44.16

44.12

44.16

44.12

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 1 months;

W2 - 24 months;

Written VOE - 24 months

Paystub - 1 months;

W2 - 24 months

(No Data)

409020754

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

Yes

6.3507

0.941

Not Applicable

Yes

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

49.89

Yes

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

IRS Transcripts – Tax Return(s) - 24 months;

Lease Agreement - 12 months;

Paystub - 1 months;

Personal Tax Return - 24 months;

W2 - 24 months;

Written VOE - 30 months

IRS Transcripts – Tax Return(s) - 24 months;

Paystub - 1 months;

Personal Tax Return - 24 months;

W2 - 24 months

(No Data)

409020810

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

Non-Permanent Resident Alien

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

6.8935

0.125

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

43.21

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

IRS Transcripts – Tax Return(s) - 12 months;

Paystub - 31 months;

Personal Tax Return - 12 months;

W2 - 24 months

IRS Transcripts – Tax Return(s) - 12 months;

Paystub - 31 months;

Personal Tax Return - 12 months;

W2 - 24 months

(No Data)

Other

(No Data)

409020815

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

Yes

6.5225

0.099

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

45.82

45.79

45.82

45.79

Yes

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

Yes

Other

(No Data)

Paystub - 1 months;

W2 - 24 months;

Written VOE - 2 months

Paystub - 1 months;

W2 - 24 months;

Written VOE - 1 months

(No Data)

409020837

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.5180

Yes

0.124

0.000

(No Data)

Yes

Not Applicable

Yes

(No Data)

Not Applicable

(No Data)

40.48

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

IRS Transcripts – Tax Return(s) - 12 months;

Offer Letter - 12 months;

Paystub - 1 months;

Personal Tax Return - 12 months;

W2 - 24 months

IRS Transcripts – Tax Return(s) - 12 months;

Paystub - 1 months;

Personal Tax Return - 12 months;

W2 - 12 months

(No Data)

409020979

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.3925

Yes

0.122

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

35.49

35.82

35.49

35.82

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

FMNA 1005

(No Data)

Paystub - 31 months;

W2 - 24 months;

Written VOE - 31 months

(No Data)

409020988

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.7799

Yes

0.174

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

18.04

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Paystub - 1 months;

W2 - 24 months

Paystub - 1 months;

W2 - 12 months

(No Data)

409020999

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.9018

Yes

0.108

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

38.82

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

FMNA 1005

(No Data)

Paystub - 1 months;

W2 - 24 months;

Written VOE - 31 months

Paystub - 31 months;

W2 - 24 months

(No Data)

409021009

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.9010

Yes

0.183

Not Applicable

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

35.3

34.38

35.3

34.38

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Borrower

(No Data)

Business Tax Return - 24 months;

P & L - 7 months;

Paystub - 1 months;

Personal Tax Return - 24 months;

W2 - 24 months

(No Data)

409021012

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

Yes

6.5834

0.279

Not Applicable

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

49.09

49.1

49.09

49.1

Yes

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 1 months;

W2 - 24 months;

Written VOE - 30 months

Paystub - 1 months;

W2 - 24 months;

Written VOE - 30 months

(No Data)

409021019

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

7.1887

0.216

Not Applicable

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

44.23

44.24

44.23

44.24

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Written VOE - 31 months

Paystub - 3 months;

W2 - 12 months

(No Data)

409021021

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Rebuttable Presumption (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.4115

Yes

0.165

Not Applicable

Yes

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

14.72

14.75

14.72

14.75

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Tax Return - 24 months;

IRS Transcripts – Tax Return(s) - 24 months;

Personal Tax Return - 24 months

Business Tax Return - 24 months;

IRS Transcripts – Tax Return(s) - 24 months;

Personal Tax Return - 24 months

(No Data)

409021023

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Cashout Refi

(No Data)

7.0095

Yes

1.302

Yes

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

36.52

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 1 months;

W2 - 12 months

Paystub - 1 months;

W2 - 12 months;

Written VOE - 8 months

(No Data)

409021074

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.6510

Yes

0.196

Not Applicable

Yes

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

35.77

37.06

25.77

37.06

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Paystub - 5 months;

W2 - 24 months

(No Data)

409021101

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

Permanent Resident Alien

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.6564

Yes

0.135

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

27.34

27.51

27.34

27.51

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Paystub - 1 months;

W2 - 24 months

(No Data)

Green Card

(No Data)

409021114

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.6183

Yes

1.184

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

41.73

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Yes

(No Data)

Paystub - 32 months;

Personal Tax Return - 24 months;

W2 - 12 months;

Written VOE - 31 months

IRS Transcripts – Tax Return(s) - 24 months;

Personal Tax Return - 24 months

(No Data)

409021119

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

Yes

7.1575

0.186

Not Applicable

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

48.16

48.71

48.16

48.71

Yes

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

FMNA 1005

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Award Letter - 12 months;

IRS Transcripts – Tax Return(s) - 24 months;

Paystub - 1 months;

Personal Tax Return - 12 months;

W2 - 24 months;

Written VOE - 32 months

Award Letter - 12 months;

IRS Transcripts – Tax Return(s) - 24 months;

Personal Tax Return - 12 months

(No Data)

409021147

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.5402

Yes

0.201

Not Applicable

Yes

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

39.27

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

FMNA 1005

(No Data)

Paystub - 1 months;

W2 - 24 months;

Written VOE - 31 months

(No Data)

409021158

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.8045

Yes

1.476

Not Applicable

Yes

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

39.86

33.61

39.86

33.61

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

FMNA 1005

(No Data)

Paystub - 1 months;

W2 - 24 months;

Written VOE - 24 months

Paystub - 1 months;

W2 - 24 months

(No Data)

409021178

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Second Home

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.4330

Yes

0.657

0.000

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

15.82

16.69

15.82

16.69

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Borrower

(No Data)

Yes

(No Data)

Business Tax Return - 24 months;

IRS Transcripts – Tax Return(s) - 24 months;

P & L - 6 months;

Personal Tax Return - 24 months;

W2 - 24 months

(No Data)

409021192

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

Yes

6.8705

1.129

Not Applicable

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

46.43

46.75

46.43

46.75

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

IRS Transcripts – W2(s) - 24 months;

Offer Letter - 1 months;

Paystub - 1 months;

W2 - 24 months

IRS Transcripts – W2(s) - 24 months;

Personal Bank Statements - 3 months

(No Data)

409021244

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

Yes

6.6447

0.116

Not Applicable

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

45.3

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 1 months;

W2 - 24 months;

Written VOE - 24 months

Paystub - 1 months;

W2 - 24 months;

Written VOE - 24 months

(No Data)

409021249

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

Yes

5.9665

0.18

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

48.56

Yes

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Borrower

(No Data)

Yes

(No Data)

IRS Transcripts – Tax Return(s) - 24 months;

Paystub - 1 months;

Personal Tax Return - 24 months;

W2 - 24 months

Paystub - 1 months;

W2 - 24 months

Business Tax Return - 24 months;

P & L - 7 months;

Personal Tax Return - 24 months;

W2 - 24 months

(No Data)

409021253

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

Yes

6.9826

0.162

0.000

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

44.26

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Paystub - 1 months;

W2 - 24 months

(No Data)

409021304

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR-Attached

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.9134

Yes

0.116

Not Applicable

Yes

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

35.68

35.69

35.68

35.69

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Paystub - 1 months;

W2 - 24 months

Paystub - 1 months;

W2 - 12 months

(No Data)

409021308

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

Yes

6.9198

0.224

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

43.98

44.17

43.98

44.17

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Tax Return - 24 months;

IRS Transcripts – Tax Return(s) - 24 months;

Personal Tax Return - 24 months;

W2 - 24 months

Business Tax Return - 24 months;

IRS Transcripts – Tax Return(s) - 24 months;

Personal Tax Return - 24 months;

W2 - 24 months

(No Data)

409021589

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

Yes

6.6475

0.107

Not Applicable

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

47.52

47.83

47.52

47.83

Yes

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Borrower

(No Data)

Paystub - 1 months;

Personal Tax Return - 24 months;

W2 - 24 months

Business Tax Return - 24 months;

P & L - 7 months;

Paystub - 1 months;

Personal Tax Return - 24 months;

W2 - 24 months

(No Data)

409021618

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

Yes

6.6563

0.093

Not Applicable

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

49.54

Yes

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 1 months;

W2 - 24 months;

Written VOE - 30 months

Paystub - 1 months;

W2 - 24 months;

Written VOE - 30 months

(No Data)

409021624

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.5111

Yes

0.115

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

29.5

29.47

29.5

29.47

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 1 months;

W2 - 24 months;

Written VOE - 32 months

W2 - 12 months;

Written VOE - 20 months

(No Data)

409021641

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

Yes

6.8791

0.294

0.000

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

48.48

47.9

48.48

47.9

Yes

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 2 months;

W2 - 24 months;

Written VOE - 32 months

(No Data)

409021650

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.3865

Yes

0.23

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

38.99

37.98

38.99

37.98

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Borrower

(No Data)

Yes

(No Data)

Business Tax Return - 12 months;

IRS Transcripts – Tax Return(s) - 12 months;

P & L - 19 months;

Personal Tax Return - 12 months;

W2 - 24 months

(No Data)

409021673

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.7610

Yes

0.064

Not Applicable

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

24.57

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

IRS Transcripts – Tax Return(s) - 24 months;

Personal Tax Return - 24 months;

W2 - 24 months

(No Data)

409021752

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.7875

Yes

0.177

Not Applicable

Yes

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

34.37

34.34

34.37

34.34

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 1 months;

W2 - 24 months;

Written VOE - 24 months

Paystub - 1 months;

W2 - 24 months

(No Data)

409021753

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.4347

Yes

0.191

Not Applicable

Yes

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

40.06

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 1 months;

W2 - 24 months;

Written VOE - 31 months

Paystub - 24 months;

W2 - 24 months;

Written VOE - 31 months

(No Data)

409021799

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

Yes

6.3895

Yes

0.077

0.000

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

45.76

42.38

45.76

42.38

Yes

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Paystub - 19 months;

W2 - 24 months;

Written VOE - 31 months

Paystub - 3 months;

W2 - 24 months;

Written VOE - 22 months

(No Data)

409021802

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR-Attached

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.5606

Yes

1.832

Not Applicable

Yes

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

29.5

29.52

29.5

29.52

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Paystub - 1 months;

W2 - 12 months

(No Data)

409021815

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Rate and Term Refi

(No Data)

6.5285

Yes

0.234

Not Applicable

Yes

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

25.35

24.8

25.35

24.8

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Paystub - 1 months;

W2 - 24 months

Paystub - 1 months;

W2 - 24 months

(No Data)

409022300

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Primary

SFR

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.3947

Yes

0.166

Yes

(No Data)

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

37.54

31.67

37.54

31.67

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Independent Third Party (The Work Number, Equifax etc)

(No Data)

Yes

(No Data)

IRS Transcripts – Tax Return(s) - 12 months;

Personal Tax Return - 12 months

Paystub - 2 months;

W2 - 24 months;

Written VOE - 24 months

(No Data)

409023738

XXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXX

U.S. Citizen

(No Data)

Second Home

Detached PUD

XXXXX

Conventional

(No Data)

Purchase

(No Data)

6.8849

Yes

1.136

Not Applicable

Yes

(No Data)

Yes

(No Data)

Not Applicable

(No Data)

18.35

(No Data)

XXXXX

(No Data)

XXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

Borrower

(No Data)

Yes

(No Data)

Business Tax Return - 24 months;

IRS Transcripts – Tax Return(s) - 24 months;

P & L - 7 months;

Personal Tax Return - 24 months;

W2 - 24 months

(No Data)

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Client Name:
Client Project Name:	SEMT 2025-11
Start - End Dates:	5/26/2025 - 9/25/2025
Deal Loan Count:	187

ATR QM Upload

Loans in Report:	187