EX-99.7 37 ex99-7s5.htm SCHEDULE 5 - SUPPLEMENTAL DATA EXTRACT REPORT

Exhibit 99.7 - Schedule 5

Loan ID

Seller Loan ID

Investor Loan ID

Loan Program

Guideline Product Name

Originator Name

Originating Entity CDFI Flag

Guideline Name

Guideline Author

Guideline Date

Guideline Version

Application Date

TILA Status

TRID

GSE

Verified Safe Harbor Flag

Verified Safe Harbor Reference Document

QM Regulation Failures

ATR QM Total Points and Fees Audit

Loan Regulation Benchmark Date

Benchmark Rate

AUS Decision System

Rating Result

Property Inspection Waiver (PIW)

Calculated APR

HUD 1 Page 1 Credits Total

Verified Qualifying Rate

Originator Qualifying Rate

Qualifying P&I

Default Interest Rate Present

Default Interest Rate

Annual Property Tax

Monthly Property Tax

Annual Insurance Costs

Monthly Insurance Cost

Annual HOA Costs

Monthly HOA Costs

Monthly Other Costs

PITIA

Residual Income

HOA Questionnaire Flag

HOA Name

HOA Address State

HOA Fee Amount

HOA Next Due Date

HOA Payment Frequency

Originator DTI

TPR Verified DTI

QM DTI

Is Borrower Non Occupant

Is Co Borrower Non Occupant

Co Borrower 2 Asset Verification Level

Co Borrower 3 Asset Verification Level

Co Borrower 2 Income Verification Level

Co Borrower 3 Income Verification Level

Co Borrower 2 Employment Verification Level

Co Borrower 3 Employment Verification Level

Borrower Employment Indicator

Co Borrower Employment Indicator

Co Borrower 2 Employment Indicator

Co Borrower 3 Employment Indicator

Co Borrower 2 Length of Employment

Co Borrower 3 Length of Employment

Document Level

Borrower Years of W2s/1099

CoBorrower Years of W2s/1099

Borrower Months of Paystubs Verified

Co Borrower Months of Paystubs Verified

Borrower Employment Gap Letter

Borrower Months of Employment Gap

Co Borrower Employment Gap Letter

Co Borrower Months of Employment Gap

Borrower Years of Personal Tax Returns

Borrower Years of Business Tax Returns

CoBorrower Years of Personal Tax Returns

CoBorrower Years of Business Tax Returns

Years of 4506T

Years of Tax Transcripts

Borrower Award/Offer Letter

Co Borrower Award/Offer Letter

Asset Depletion Flag

Partial Asset Depletion Flag

Asset Depletion Months Amortized

Asset Utilization Flag (No DTI)

Borrower Bank Statements Flag

Borrower Bank Statement Summary/Lender Worksheet

Borrower Number of Personal Bank Statements

Borrower Number of Business Bank Statements

CoBorrower Bank Statements Flag

Co Borrower Bank Statement Summary/Lender Worksheet

CoBorrower Number of Personal Bank Statements

CoBorrower Number of Business Bank Statements

Percent of Income From Statements

Borrower Business Ownership %

CoBorrower Business Ownership %

Bespoke Eligible Assets

Borrower P&L Type

Borrower Number of Months P&L

Borrower P&L Prepared By

CoBorrower P&L Type

CoBorrower P&L Prepared By

CoBorrower Number of Months P&L

Borrower CPA Letter Flag

# of Months CPA verified income

CoBorrower CPA Letter Flag

CoBorrower # of Months CPA verified income

Borrower WVOE Flag

Borrower # of Months Employment Validated WVOE

Borrower # of Months Income Validated WVOE

Borrower WVOE Form Type

CoBorrower WVOE Flag

CoBorrower # of Months WVOE

CoBorrower # of Months Income Validated WVOE

CoBorrower WVOE Form Type

DSCR Flag

TPR DSCR

Originator DSCR

Expense Letter

Income Doc Detail

Tax Return Doc Details

Property Address

Property City

Property State

Property Zip

Property County

Original Credit Report Date

Borrower 1 Credit Report Date

Borrower 2 Credit Report Date

Borrower 3 Credit Report Date

Borrower 4 Credit Report Date

Qualifying Credit Score

Third Wage Earner Original FICO Equifax

Third Wage Earner Original FICO Experian

Third Wage Earner Original FICO Transunion

Fourth Wage Earner Original FICO Equifax

Fourth Wage Earner Original FICO Experian

Fourth Wage Earner Original FICO Transunion

Most Recent Co Borrower 2 FICO

Most Recent Co Borrower 3 FICO

Updated Credit Report Flag

Updated Credit Report Date

Updated FICO Method

Primary Wage Earner Updated FICO Equifax

Primary Wage Earner Updated FICO Experian

Primary Wage Earner Updated FICO Transunion

Secondary Wage Earner Updated FICO Equifax

Secondary Wage Earner Updated FICO Experian

Secondary Wage Earner Updated FICO Transunion

Third Wage Earner Updated FICO Equifax

Third Wage Earner Updated FICO Experian

Third Wage Earner Updated FICO Transunion

Fourth Wage Earner Updated FICO Equifax

Fourth Wage Earner Updated FICO Experian

Fourth Wage Earner Updated FICO Transunion

Updated Primary Borrower FICO

Updated Co Borrower FICO

Updated Co Borrower 2 FICO

Updated Co Borrower 3 FICO

Updated Qualifying FICO

Most Recent Bankruptcy Type

Most Recent Bankruptcy Filing Date

Most Recent Bankruptcy Discharge Date

Number of Bankruptcy Events

Months Bankruptcy 7 11

Months Bankruptcy 13

Most Recent Deed in Lieu Date

Number of Deed in Lieu Events

Months Deed in Lieu

Most Recent Short Sale Date

Number of Short Sale Events

Months Short Sale (or Pre FC)

Most Recent Foreclosure Date

Number of Foreclosure Events

Months Foreclosure

Prior Mortgage/Rent Lates 30d in 0-12m

Prior Mortgage/Rent Lates 60d in 0-12m

Prior Mortgage/Rent Lates 90d in 0-12m

Prior Mortgage/Rent Lates 120d+ in 0-12m

Prior Mortgage/Rent Lates 30d in 13-24m

Prior Mortgage/Rent Lates 60d in 13-24m

Prior Mortgage/Rent Lates 90d in 13-24m

Prior Mortgage/Rent Lates 120d+ in 13-24m

Prior Mortgage/Rent Late 30d in 24m

Prior Mortgage/Rent Late 60d in 24m

Prior Mortgage/Rent Late 90d in 24m

Has ACH

Is Equity Shared Loan

Subordinate Lien Type

Subordinate Lien Max Draw Amount (HELOC)

Is Shared Appreciation Mortgage

Borrower Originator Citizenship Designation

Borrower Verified Citizenship Designation

Borrower Individual Tax Identification Number (ITIN)?

Borrower Photo Identification Type

Borrower Photo Identification Other Type

Borrower Photo ID State of Issuance

Borrower Photo ID Country of Issuance

Borrower Photo ID Expiration Date

Borrower Passport Country of Origin

Borrower Passport Expiration Date

Borrower Non-US Citizen Identification Document

Borrower Date of Resident Since/Valid Date

Borrower Non-US Document Expiration Date

Co Borrower Originator Citizenship Designation

Co Borrower Verified Citizenship Designation

Co Borrower Individual Tax Identification Number (ITIN)?

Co Borrower Photo Identification Type

Co Borrower Photo Identification Other Type

Co Borrower Photo ID State of Issuance

Co Borrower Photo ID Country of Issuance

Co Borrower Photo ID Expiration Date

Co Borrower Passport Country of Origin

Co Borrower Passport Expiration Date

Co Borrower Non-US Citizen Identification Document

Co Borrower Date of Resident Since/Valid Date

Co Borrower Non-US Document Expiration Date

Co Borrower 2 Originator Citizenship Designation

Co Borrower 2 Verified Citizenship Designation

Co Borrower 2 Individual Tax Identification Number (ITIN)?

Co Borrower 2 Photo Identification Type

Co Borrower 2 Photo Identification Other Type

Co Borrower 2 Photo ID State of Issuance

Co Borrower 2 Photo ID Country of Issuance

Co Borrower 2 Photo ID Expiration Date

Co Borrower 2 Passport Country of Origin

Co Borrower 2 Passport Expiration Date

Co Borrower 2 Non-US Citizen Identification Document

Co Borrower 2 Date of Resident Since/Valid Date

Co Borrower 2 Non-US Document Expiration Date

Co Borrower 3 Originator Citizenship Designation

Co Borrower 3 Verified Citizenship Designation

Co Borrower 3 Individual Tax Identification Number (ITIN)?

Co Borrower 3 Photo Identification Type

Co Borrower 3 Photo Identification Other Type

Co Borrower 3 Photo ID State of Issuance

Co Borrower 3 Photo ID Country of Issuance

Co Borrower 3 Photo ID Expiration Date

Co Borrower 3 Passport Country of Origin

Co Borrower 3 Passport Expiration Date

Co Borrower 3 Non-US Citizen Identification Document

Co Borrower 3 Date of Resident Since/Valid Date

Co Borrower 3 Non-US Document Expiration Date

Property Rights

Leasehold Lease Expiration Date

Buydown Flag

Assumable Mortgage Flag

Foreign National Alternative Credit Documentation

Liquid / Cash Reserves (ASF)

Months Liquid Reserves

Total Assets Available for Reserves

Months Reserves

Blanket Mortgage Flag

Qualifying HCLTV

Condo Warrantability Flag

E-Note Flag

O&E in lieu of Title Insurance

Business Purpose Flag

Borrower Note Executed As

Co Borrower Note Executed As

Co Borrower 2 Note Executed As

Co Borrower 3 Note Executed As

7005290

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

02/05/2024

6.550%

Manual Underwriting

9.111%

8.999%

XXXX

$1,728.84

$144.07

$0.00

$3,516.29

$15,786.82

N/A

XXXX

$0.00

XXXX

46.02%

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - 2023 - 2023

Borrower - 2023 - 2023

XXXX

697

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

0.0

XXXX

20.5

80.0

N/A

Borrower As Individual

N/A

8054826

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

9.625%

XXXX

Yes

18.000%

XXXX

$1,893.24

$157.77

$0.00

$1,732.71

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.072

N/A

Borrower

XXXX

669

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

539.8

XXXX

539.8

69.3

N/A

Yes

Member on Behalf of Entity

N/A

8054844

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

9.375%

XXXX

Yes

18.000%

XXXX

$1,278.96

$106.58

$0.00

$2,097.89

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.861

N/A

Borrower

XXXX

659

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

7.8

XXXX

104.4

44.0

N/A

Yes

Member on Behalf of Entity

N/A

8092442

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

8.750%

XXXX

Yes

18.000%

XXXX

$924.00

$77.00

$0.00

$895.37

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.229

N/A

Borrower

XXXX

731

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

69.9

XXXX

69.9

80.0

N/A

Yes

Member on Behalf of Entity

N/A

8104585

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

05/06/2024

7.220%

Manual Underwriting

11.323%

10.750%

XXXX

$783.96

$65.33

$0.00

$1,693.76

$27,092.75

N/A

XXXX

$0.00

XXXX

27.08%

27.09%

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

0.0

N/A

Borrower - SESCorp - Business Bank Statements Verified - 2023, 2024

Borrower - 2023, 2024

XXXX

669

XXXX

Unknown

Non Permanent Resident Alien

Undocumented Non-US Citizen

Yes - ITIN Letter/Certificate

Standard Driver's License - Not for federal use

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

0.0

XXXX

86.0

75.0

N/A

Borrower As Individual

N/A

8150584

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.375%

XXXX

Yes

18.000%

XXXX

$3,045.60

$253.80

$150.00

$12.50

$0.00

$2,021.45

N/A

XXXX

$12.50

XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.012

N/A

Borrower

XXXX

776

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

68.6

XXXX

68.6

80.0

N/A

Yes

Member on Behalf of Entity

N/A

8121805

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

06/07/2024

7.080%

Manual Underwriting

8.171%

7.750%

XXXX

$1,260.00

$105.00

$0.00

$2,317.93

$3,769.35

N/A

XXXX

$0.00

XXXX

48.43%

48.42%

Employed

Full Doc

1 YR W2

1 Month

N/A

Yes

N/A

0.00%

N/A

Yes

FNMA 1005

N/A

Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, Lease Agreements Verified - 2024, 2023, 2022

Borrower - Executed 4506T Verified - 2024, 2023, 2022

XXXX

723

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

United states

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

XXXX

N/A

XXXX

13.8

XXXX

13.8

75.0

N/A

Borrower As Individual

N/A

8122122

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

06/06/2024

7.080%

Manual Underwriting

9.731%

9.250%

XXXX

$942.00

$78.50

$0.00

$3,004.45

$8,331.55

N/A

XXXX

$0.00

XXXX

38.47%

Self-Employed

1YR Business P&L

N/A

Yes

N/A

0.00%

100.00%

Audited

CPA

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified, Personal Bank Statements Verified - 2023, 2024

Borrower - 2023, 2024

XXXX

781

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

XXXX

N/A

XXXX

15.1

XXXX

15.1

90.0

N/A

Borrower As Individual

N/A

8122061

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

06/12/2024

6.940%

Manual Underwriting

9.332%

8.750%

XXXX

$749.04

$62.42

$500.04

$41.67

$0.00

$2,610.08

$10,916.92

N/A

XXXX

$41.67

XXXX

Annually

22.72%

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - 2023, 2024

Borrower - 2023, 2024

XXXX

729

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

XXXX

N/A

XXXX

15.4

XXXX

15.4

90.0

N/A

Borrower As Individual

N/A

8259453

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

9.375%

XXXX

Yes

18.000%

XXXX

$1,422.00

$118.50

$0.00

$2,812.55

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.067

N/A

Borrower

XXXX

678

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

94.5

XXXX

94.5

80.0

N/A

Yes

Member on Behalf of Entity

N/A

8697321

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.875%

XXXX

$3,981.96

$331.83

$1,440.00

$120.00

$0.00

$20,263.74

N/A

XXXX

$120.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.382

1.39

N/A

Borrower

XXXX

683

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

9.9

XXXX

9.9

58.82

N/A

Yes

Member on Behalf of Entity

N/A

8259457

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.375%

XXXX

Yes

18.000%

XXXX

$972.72

$81.06

$0.00

$831.77

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.142

N/A

Borrower

XXXX

762

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

29.7

XXXX

146.6

70.0

N/A

Yes

Member on Behalf of Entity

N/A

8259461

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.250%

XXXX

Yes

18.000%

XXXX

$3,296.40

$274.70

$0.00

$1,681.29

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.012

Borrower

XXXX

760

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

104.9

XXXX

104.9

73.0

N/A

Yes

Member on Behalf of Entity

N/A

8259464

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.250%

XXXX

Yes

18.000%

XXXX

$2,142.48

$178.54

$0.00

$1,291.06

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.371

N/A

Borrower

XXXX

752

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

6.6

XXXX

31.6

75.0

N/A

Yes

Member on Behalf of Entity

N/A

8259466

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.500%

XXXX

Yes

18.000%

XXXX

$2,810.28

$234.19

$0.00

$1,509.82

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.099

N/A

Borrower

XXXX

785

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

28.7

XXXX

28.7

80.0

N/A

Yes

Member on Behalf of Entity

N/A

8259467

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.125%

XXXX

Yes

18.000%

XXXX

$831.00

$69.25

$0.00

$1,064.00

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.598

N/A

Borrower

XXXX

719

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

526.6

XXXX

526.6

75.0

N/A

Yes

Member on Behalf of Entity

N/A

8259472

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.990%

XXXX

Yes

18.000%

XXXX

$1,526.88

$127.24

$0.00

$1,092.87

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.281

N/A

Borrower

XXXX

680

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

21.5

XXXX

114.8

75.0

N/A

Yes

Borrower As Individual

N/A

8259473

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

8.500%

XXXX

Yes

18.000%

XXXX

$722.04

$60.17

$0.00

$780.63

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.217

N/A

Borrower

XXXX

681

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

103.4

XXXX

210.3

75.0

N/A

Yes

Member on Behalf of Entity

N/A

8259475

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.990%

XXXX

Yes

18.000%

XXXX

$1,187.04

$98.92

$0.00

$807.92

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

2.896

N/A

Borrower

XXXX

775

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

10.7

XXXX

10.7

80.0

N/A

Yes

Borrower As Individual

N/A

8259478

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.875%

XXXX

Yes

18.000%

XXXX

$1,958.04

$163.17

$0.00

$1,625.51

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.107

N/A

Borrower

XXXX

781

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

2.3

XXXX

8.2

75.0

N/A

Yes

Member on Behalf of Entity

N/A

8259480

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.500%

XXXX

Yes

18.000%

XXXX

$731.04

$60.92

$0.00

$2,370.87

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.065

N/A

Borrower

XXXX

741

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

41.3

XXXX

41.3

80.0

N/A

Yes

Member on Behalf of Entity

N/A

8259481

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.375%

XXXX

Yes

18.000%

XXXX

$964.80

$80.40

$0.00

$994.61

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.357

N/A

Borrower

XXXX

736

XXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

Work Visa

XXXX

Fee Simple

XXXX

N/A

XXXX

347.8

XXXX

347.8

77.59

N/A

Yes

Member on Behalf of Entity

N/A

8259483

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.125%

XXXX

Yes

18.000%

XXXX

$734.04

$61.17

$0.00

$1,097.21

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.549

N/A

Borrower

XXXX

719

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

510.6

XXXX

512.8

75.0

N/A

Yes

Member on Behalf of Entity

N/A

8259488

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.750%

XXXX

Yes

18.000%

XXXX

$1,440.96

$120.08

$0.00

$1,129.53

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.276

1.304

N/A

Borrower || Co Borrower

XXXX

703

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States

XXXX

N/A

XXXX

US Citizen

N/A

Standard Driver's License - Not for federal Use

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

8.9

XXXX

136.6

75.0

N/A

Yes

Member on Behalf of Entity

N/A

8259494

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.750%

XXXX

Yes

18.000%

XXXX

$1,419.96

$118.33

$0.00

$1,342.05

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.416

N/A

Borrower

XXXX

706

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

3.4

XXXX

38.4

75.0

N/A

Yes

Member on Behalf of Entity

N/A

8259495

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.750%

XXXX

Yes

18.000%

XXXX

$772.92

$64.41

$0.00

$1,437.72

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.266

N/A

Borrower

XXXX

705

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

12.9

XXXX

110.1

75.0

N/A

Yes

Member on Behalf of Entity

N/A

8259496

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.375%

XXXX

Yes

18.000%

XXXX

$2,779.68

$231.64

$0.00

$2,277.97

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.229

N/A

Borrower

XXXX

736

XXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Enhanced Driver's License (MI, MN, NY, VT, WA)

XXXX

United States

XXXX

State of Israel

XXXX

Work Visa

XXXX

Fee Simple

XXXX

N/A

XXXX

147.9

XXXX

254.9

71.92

N/A

Yes

Member on Behalf of Entity

N/A

8259498

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.375%

XXXX

Yes

18.000%

XXXX

$1,464.00

$122.00

$0.00

$922.68

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

2.005

Borrower

XXXX

724

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

105.7

XXXX

105.7

80.0

N/A

Yes

Member on Behalf of Entity

N/A

8259499

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.750%

XXXX

Yes

18.000%

XXXX

$1,218.00

$101.50

$0.00

$877.57

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.595

N/A

Borrower

XXXX

780

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

80.5

XXXX

174.5

75.0

N/A

Yes

Borrower As Individual

N/A

8259502

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.875%

XXXX

Yes

18.000%

XXXX

$1,436.04

$119.67

$0.00

$1,072.18

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.159

N/A

Borrower

XXXX

777

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

XXXX

N/A

XXXX

42.7

XXXX

100.8

74.67

N/A

Yes

Member on Behalf of Entity

N/A

8259505

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.750%

XXXX

Yes

18.000%

XXXX

$1,146.00

$95.50

$0.00

$828.16

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.66

N/A

Borrower

XXXX

780

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

89.9

XXXX

182.8

75.0

N/A

Yes

Borrower As Individual

N/A

8259506

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.990%

XXXX

Yes

18.000%

XXXX

$1,266.00

$105.50

$0.00

$1,362.28

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.248

N/A

Borrower

XXXX

815

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

45.7

XXXX

45.7

80.0

N/A

Yes

Member on Behalf of Entity

N/A

8259508

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.990%

XXXX

Yes

18.000%

XXXX

$879.00

$73.25

$0.00

$3,401.47

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.0

N/A

Borrower

XXXX

726

XXXX

Unknown

US Citizen

N/A

Passport

XXXX

United States

XXXX

United States of America

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

29.0

XXXX

131.9

55.37

N/A

Yes

Member on Behalf of Entity

N/A

8259517

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.500%

XXXX

Yes

18.000%

XXXX

$1,295.04

$107.92

$0.00

$1,927.07

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.173

N/A

Borrower

XXXX

730

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

219.0

XXXX

256.6

75.0

N/A

Yes

Borrower As Individual

N/A

8259520

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.375%

XXXX

Yes

18.000%

XXXX

$1,572.00

$131.00

$0.00

$5,961.53

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.137

N/A

Borrower

XXXX

773

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

6.2

XXXX

6.2

76.94

N/A

Yes

Member on Behalf of Entity

N/A

8259521

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.375%

XXXX

Yes

18.000%

XXXX

$1,461.00

$121.75

$0.00

$5,952.28

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.125

N/A

Borrower

XXXX

773

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

6.4

XXXX

6.4

76.94

N/A

Yes

Member on Behalf of Entity

N/A

8259522

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.500%

XXXX

Yes

18.000%

XXXX

$9,696.00

$808.00

$0.00

$4,876.79

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.396

N/A

Borrower

XXXX

706

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Other

USA Patriot Act

XXXX

United States

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

XXXX

N/A

XXXX

3.8

XXXX

3.8

75.0

N/A

Yes

Member on Behalf of Entity

N/A

8259524

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.990%

XXXX

Yes

18.000%

XXXX

$1,724.88

$143.74

$0.00

$1,264.57

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.118

N/A

Borrower

XXXX

680

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

18.6

XXXX

119.7

75.0

N/A

Yes

Borrower As Individual

N/A

8259528

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.875%

XXXX

Yes

18.000%

XXXX

$1,682.04

$140.17

$0.00

$1,537.80

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.288

N/A

Borrower

XXXX

765

XXXX

Unknown

Non Permanent Resident Alien

Undocumented Non-US Citizen

Yes - ITIN Letter/Certificate

Passport

XXXX

Bolivia

XXXX

Bolivia

XXXX

Entry Stamp

XXXX

Fee Simple

XXXX

N/A

XXXX

153.8

XXXX

153.8

76.92

N/A

Yes

Member on Behalf of Entity

N/A

8259531

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.750%

XXXX

Yes

18.000%

XXXX

$1,227.00

$102.25

$0.00

$932.23

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.802

Borrower

XXXX

742

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

21.6

XXXX

53.6

75.0

N/A

Yes

Member on Behalf of Entity

N/A

8259547

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.750%

XXXX

Yes

18.000%

XXXX

$680.04

$56.67

$0.00

$988.30

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

Stocks/Bonds

N/A

Yes

1.356

N/A

Borrower

XXXX

746

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

242.6

XXXX

242.6

80.0

N/A

Yes

Borrower As Individual

N/A

8259548

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.375%

XXXX

Yes

18.000%

XXXX

$1,861.80

$155.15

$0.00

$1,694.06

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.889

N/A

Borrower

XXXX

706

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

38.0

XXXX

66.6

75.0

N/A

Yes

Member on Behalf of Entity

N/A

8259550

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.500%

XXXX

Yes

18.000%

XXXX

$843.00

$70.25

$0.00

$1,406.99

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.137

1.116

N/A

Borrower

XXXX

759

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

115.6

XXXX

115.6

80.0

N/A

Yes

Member on Behalf of Entity

N/A

8259552

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.500%

XXXX

Yes

18.000%

XXXX

$843.96

$70.33

$0.00

$2,048.46

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.172

N/A

Borrower || Co Borrower

XXXX

757

XXXX

Unknown

US Citizen

N/A

Other

USA Patriot Act (Driver's License)

XXXX

United States

XXXX

N/A

XXXX

US Citizen

N/A

Other

USA Patriot Act(Driver's ID)

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

12.4

XXXX

12.4

80.0

N/A

Yes

Member on Behalf of Entity

N/A

8259553

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.125%

XXXX

Yes

18.000%

XXXX

$1,485.96

$123.83

$0.00

$1,098.51

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.73

N/A

Borrower

XXXX

731

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

38.0

XXXX

6.2

80.0

N/A

Yes

Member on Behalf of Entity

N/A

8259554

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.750%

XXXX

Yes

18.000%

XXXX

$1,201.80

$100.15

$0.00

$945.05

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.294

N/A

Borrower

XXXX

738

XXXX

Unknown

Non Permanent Resident Alien

Undocumented Non-US Citizen

Yes - ITIN Letter/Certificate

Passport

XXXX

Toronto

XXXX

Canada

XXXX

Work Visa

XXXX

Fee Simple

XXXX

N/A

XXXX

0.1

XXXX

90.1

75.0

N/A

Yes

Member on Behalf of Entity

N/A

8259555

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.250%

XXXX

Yes

18.000%

XXXX

$1,458.96

$121.58

$0.00

$1,208.25

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

2.4

N/A

Borrower

XXXX

719

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

40.0

XXXX

57.2

75.0

N/A

Yes

Member on Behalf of Entity

N/A

8259557

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.990%

XXXX

Yes

18.000%

XXXX

$2,503.68

$208.64

$1,046.04

$87.17

$0.00

$3,505.28

N/A

XXXX

$87.17

XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.07

1.006

N/A

Borrower

XXXX

708

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

31.1

XXXX

31.1

70.0

N/A

Yes

Borrower As Individual

N/A

8259558

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

XXXX

Yes

18.000%

XXXX

$3,825.96

$318.83

$0.00

$3,477.09

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.497

N/A

Borrower

XXXX

708

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

1.6

XXXX

31.4

65.0

N/A

Yes

Member on Behalf of Entity

N/A

8259559

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.500%

XXXX

Yes

18.000%

XXXX

$873.00

$72.75

$0.00

$708.28

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.518

N/A

Borrower

XXXX

758

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

6.2

XXXX

6.2

80.0

N/A

Yes

Member on Behalf of Entity

N/A

8259560

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.990%

XXXX

Yes

18.000%

XXXX

$411.96

$34.33

$4,320.00

$360.00

$0.00

$1,671.66

Yes

XXXX

$360.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.074

N/A

Borrower

XXXX

775

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

194.6

XXXX

227.2

75.0

Yes

Member on Behalf of Entity

N/A

8259561

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.750%

XXXX

Yes

18.000%

XXXX

$2,858.04

$238.17

$0.00

$1,202.85

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.538

Borrower

XXXX

782

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

29.7

XXXX

29.7

80.0

N/A

Yes

Member on Behalf of Entity

N/A

8259565

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.625%

XXXX

Yes

18.000%

XXXX

$1,406.04

$117.17

$0.00

$842.81

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.54

N/A

Borrower

XXXX

751

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

38.5

XXXX

41.4

75.0

N/A

Yes

Member on Behalf of Entity

N/A

8259569

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.125%

XXXX

Yes

18.000%

XXXX

$546.96

$45.58

$0.00

$700.75

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.356

N/A

Borrower

XXXX

780

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

177.3

XXXX

273.9

74.26

N/A

Yes

Borrower As Individual

N/A

8259570

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.990%

XXXX

Yes

18.000%

XXXX

$664.20

$55.35

$0.00

$1,031.41

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.595

N/A

Borrower

XXXX

682

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

0.2

XXXX

60.7

60.41

N/A

Yes

Member on Behalf of Entity

N/A

8259577

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.750%

XXXX

Yes

18.000%

XXXX

$10,155.36

$846.28

$0.00

$5,072.16

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.11

N/A

Borrower

XXXX

708

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

5.7

XXXX

64.2

75.0

N/A

Yes

Member on Behalf of Entity

N/A

8259578

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.990%

XXXX

Yes

18.000%

XXXX

$1,070.04

$89.17

$0.00

$1,146.54

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.003

N/A

Borrower

XXXX

726

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

31.1

XXXX

31.1

58.7

N/A

Yes

Member on Behalf of Entity

N/A

8259584

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.625%

XXXX

Yes

18.000%

XXXX

$1,794.24

$149.52

$0.00

$1,967.99

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.799

1.753

N/A

Borrower || Co Borrower

XXXX

742

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States

XXXX

N/A

XXXX

US Citizen

N/A

Standard Driver's License - Not for federal Use

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

16.1

XXXX

16.1

79.31

N/A

Yes

Member on Behalf of Entity

N/A

8259586

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.500%

XXXX

Yes

18.000%

XXXX

$597.00

$49.75

$0.00

$1,588.23

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.196

N/A

Borrower || Co Borrower

XXXX

739

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

17.9

XXXX

17.9

80.0

N/A

Yes

Member on Behalf of Entity

N/A

8259590

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.500%

XXXX

Yes

18.000%

XXXX

$1,472.04

$122.67

$0.00

$5,061.45

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.136

1.131

Borrower

XXXX

684

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

14.3

XXXX

48.8

75.0

N/A

Yes

Borrower As Individual

N/A

8259489

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.250%

XXXX

Yes

18.000%

XXXX

$0.00

$4,511.97

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.263

N/A

Borrower

XXXX

729

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

1.2

XXXX

127.8

Yes

67.97

N/A

Yes

Member on Behalf of Entity

N/A

8259534

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.250%

XXXX

Yes

18.000%

XXXX

$5,073.00

$422.75

$0.00

$4,139.33

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.776

N/A

Borrower || Co Borrower

XXXX

745

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

153.5

XXXX

153.5

Yes

69.13

N/A

Yes

Member on Behalf of Entity

N/A

8259535

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.250%

XXXX

Yes

18.000%

XXXX

$5,073.24

$422.77

$0.00

$4,005.53

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.929

N/A

Borrower || Co Borrower

XXXX

745

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

178.2

XXXX

178.2

Yes

71.3

N/A

Yes

Member on Behalf of Entity

N/A

8259536

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.250%

XXXX

Yes

18.000%

XXXX

$0.00

$3,821.45

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.93

N/A

Borrower || Co Borrower

XXXX

745

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

211.4

XXXX

211.4

Yes

68.14

N/A

Yes

Member on Behalf of Entity

N/A

8442083

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.990%

XXXX

Yes

18.000%

XXXX

$1,572.00

$131.00

$0.00

$2,930.66

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.116

1.109

N/A

Borrower

XXXX

703

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

16.5

XXXX

26.1

75.0

N/A

Yes

Member on Behalf of Entity

N/A

8442085

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.990%

XXXX

Yes

18.000%

XXXX

$1,762.08

$146.84

$0.00

$1,912.53

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.046

N/A

Borrower || Co Borrower

XXXX

731

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States

XXXX

N/A

XXXX

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Other

USA Patriot Act Information

United States

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

XXXX

N/A

XXXX

12.4

XXXX

79.1

70.0

N/A

Yes

Member on Behalf of Entity

N/A

8442101

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.625%

XXXX

Yes

18.000%

XXXX

$726.96

$60.58

$0.00

$860.66

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.37

N/A

Borrower

XXXX

797

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

58.8

XXXX

58.8

80.0

N/A

Yes

Member on Behalf of Entity

N/A

8442105

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.875%

XXXX

Yes

18.000%

XXXX

$1,400.76

$116.73

$0.00

$1,407.04

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.258

N/A

Borrower

XXXX

684

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

43.8

XXXX

52.1

75.0

N/A

Yes

Member on Behalf of Entity

N/A

8442107

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

9.125%

XXXX

Yes

18.000%

XXXX

$1,593.00

$132.75

$0.00

$2,890.31

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.038

N/A

Borrower

XXXX

663

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

22.7

XXXX

22.7

80.0

N/A

Yes

Member on Behalf of Entity

N/A

8442116

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.875%

XXXX

Yes

18.000%

XXXX

$755.04

$62.92

$0.00

$847.10

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.653

N/A

Borrower

XXXX

790

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

43.1

XXXX

43.1

80.0

N/A

Yes

Borrower As Individual

N/A

8442118

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.375%

XXXX

Yes

18.000%

XXXX

$1,628.04

$135.67

$0.00

$1,473.44

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.357

N/A

Borrower

XXXX

684

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

15.9

XXXX

29.6

75.0

N/A

Yes

Member on Behalf of Entity

N/A

8442119

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.625%

XXXX

Yes

18.000%

XXXX

$1,088.04

$90.67

$0.00

$850.56

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.293

N/A

Borrower

XXXX

758

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

2.7

XXXX

102.4

75.0

N/A

Yes

Borrower As Individual

N/A

8442120

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.990%

XXXX

Yes

18.000%

XXXX

$1,829.76

$152.48

$0.00

$1,596.15

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.435

N/A

Borrower

XXXX

729

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

14.5

XXXX

38.8

75.0

N/A

Yes

Member on Behalf of Entity

N/A

8442139

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.875%

XXXX

Yes

18.000%

XXXX

$1,206.96

$100.58

$0.00

$1,247.54

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.283

N/A

Borrower

XXXX

694

XXXX

Unknown

US Citizen

N/A

Passport

XXXX

United States

XXXX

U.S.A

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

25.9

XXXX

140.7

75.0

N/A

Yes

Member on Behalf of Entity

N/A

8442141

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.500%

XXXX

Yes

18.000%

XXXX

$1,866.60

$155.55

$0.00

$942.43

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.538

1.539

N/A

Borrower

XXXX

749

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

15.6

XXXX

15.6

80.0

N/A

Yes

Member on Behalf of Entity

N/A

8442144

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.750%

XXXX

Yes

18.000%

XXXX

$2,226.96

$185.58

$0.00

$1,080.06

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.555

N/A

Borrower

XXXX

778

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

169.6

XXXX

169.6

80.0

N/A

Yes

Member on Behalf of Entity

N/A

8442130

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.750%

XXXX

Yes

18.000%

XXXX

$8,978.04

$748.17

$0.00

$9,178.37

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.623

1.615

N/A

Borrower

XXXX

767

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

6.5

XXXX

110.0

Yes

75.0

N/A

Yes

Member on Behalf of Entity

N/A

8442134

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.875%

XXXX

Yes

18.000%

XXXX

$0.00

$6,237.52

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.183

N/A

Borrower

XXXX

781

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

29.7

XXXX

29.7

Yes

76.57

N/A

Yes

Member on Behalf of Entity

N/A

8442152

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.250%

XXXX

Yes

18.000%

XXXX

$5,789.28

$482.44

$0.00

$5,351.87

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.165

1.166

N/A

Borrower

XXXX

731

XXXX

Unknown

US Citizen

N/A

Other

USA Patriot Act

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

69.7

XXXX

185.1

Yes

74.57

N/A

Yes

Borrower As Individual

N/A

8492127

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

10/03/2024

6.100%

Manual Underwriting

7.536%

7.250%

XXXX

$4,443.72

$370.31

$0.00

$3,522.36

$26,598.54

N/A

XXXX

$0.00

XXXX

36.59%

Yes

Self-Employed

Employed

12 Month Bank Statement

2 YRS W2

2+ Months

N/A

Yes

78.91%

100.00%

0.00%

Stocks/Bonds

N/A

0.0

N/A

Borrower - Wage - Business Bank Statements Verified - 2023, 2024 || Co Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 2 YRS W2 Verified - 2023, 2024

Borrower - 2023, 2024 || Co Borrower - 2 YRS Executed 4506T Verified - 2023, 2024

XXXX

720

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

49.9

XXXX

49.9

80.0

N/A

Borrower As Individual

N/A

8492124

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.750%

XXXX

$1,940.04

$161.67

$0.00

$3,853.01

$14,508.20

N/A

XXXX

$0.00

XXXX

34.54%

10.87%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

0.0

N/A

Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2023, 2024

Borrower - 2023, 2024

XXXX

817

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

14.4

XXXX

14.4

75.0

N/A

Yes

Borrower As Individual

N/A

8492122

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

09/25/2024

6.040%

Manual Underwriting

6.798%

6.500%

XXXX

$745.20

$62.10

$4,440.00

$370.00

$0.00

$1,563.34

$3,124.80

N/A

XXXX

$370.00

XXXX

Monthly

49.53%

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

72.43%

100.00%

N/A

0.0

N/A

Borrower - SESoleProprietor, SSI and Disability - Award Letter Verified, Personal Bank Statements Verified - 2023, 2024

Borrower - 2023, 2024

XXXX

709

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

14.8

XXXX

14.8

38.17

N/A

Borrower As Individual

N/A

8492123

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

10/09/2024

6.120%

Manual Underwriting

8.451%

7.875%

XXXX

$866.04

$72.17

$0.00

$1,819.50

$3,080.80

N/A

XXXX

$0.00

XXXX

49.07%

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

0.0

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - 2023, 2024

Borrower - 2023, 2024

XXXX

689

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

6.3

XXXX

6.3

79.54

N/A

Borrower As Individual

N/A

8492120

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

08/27/2024

6.430%

Manual Underwriting

7.615%

7.375%

XXXX

$2,844.96

$237.08

$0.00

$2,756.15

$5,645.12

N/A

XXXX

$0.00

XXXX

43.72%

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

93.73%

100.00%

N/A

0.0

N/A

Borrower - SESoleProprietor, SSI and Disability, Other REO Net Rental Income(Loss) - Award Letter Verified, Business Bank Statements Verified - 2023, 2024

Borrower - 2023, 2024

XXXX

717

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

55.0

XXXX

55.0

66.82

N/A

Borrower As Individual

N/A

8492116

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.125%

XXXX

$1,313.04

$109.42

$0.00

$2,993.90

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

0.768

N/A

Borrower

XXXX

806

XXXX

Unknown

US Citizen

N/A

Other

USA Patriot Act Disclosure

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

230.6

XXXX

230.6

70.0

N/A

Yes

Borrower As Individual

N/A

8492114

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

09/16/2024

6.150%

Manual Underwriting

6.674%

6.500%

XXXX

$2,423.76

$201.98

$0.00

$9,312.53

$37,745.23

N/A

XXXX

$0.00

XXXX

24.58%

24.22%

Self-Employed

Not Employed

12 Month Bank Statement

1 YR W2

2+ Months

N/A

Yes

N/A

66.97%

0.00%

N/A

Yes

310

Work Number

N/A

0.0

N/A

Borrower - 1 YR W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS 1099 Verified, Business Bank Statements Verified - 2023, 2024 || Co Borrower

Borrower - 2 YRS Executed 4506T Verified - 2023, 2024 || Co Borrower

XXXX

766

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

73.9

XXXX

73.9

74.71

N/A

Borrower As Individual

N/A

8492118

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

9.000%

XXXX

$3,381.96

$281.83

$2,049.96

$170.83

$0.00

$3,053.38

$120,646.07

N/A

XXXX

$170.83

XXXX

Annually

6.92%

7.31%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

0.0

N/A

Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - 2 YRS 1099 Verified, Business Bank Statements Verified - 2023, 2024

Borrower - 2 YRS Executed 4506T Verified - 2023, 2024

XXXX

694

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

71.2

XXXX

71.2

85.0

N/A

Yes

Borrower As Individual

N/A

8492125

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

09/18/2024

6.150%

Manual Underwriting

8.428%

8.250%

XXXX

$4,197.00

$349.75

$1,152.00

$96.00

$0.00

$4,378.69

$18,867.31

N/A

XXXX

$96.00

XXXX

Annually

0.00%

25.33%

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

0.0

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - 2023, 2024

Borrower - 2023, 2024

XXXX

641

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

2.4

XXXX

33.8

49.81

N/A

Borrower As Individual

N/A

8492115

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

09/13/2024

6.320%

Manual Underwriting

8.129%

7.990%

7.970%

XXXX

$1,245.00

$103.75

$5,853.00

$487.75

$0.00

$4,648.36

$19,344.54

N/A

XXXX

$487.75

XXXX

Annually

35.36%

34.59%

Yes

Self-Employed

Employed

1099 Verified

2 YRS 1099

2 YRS W2

1 Month

N/A

Yes

N/A

0.00%

100.00%

0.00%

N/A

0.0

N/A

Borrower - Wage - 2 YRS 1099 Verified - 2024, 2023 || Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS W2 Verified - 2024, 2023

Borrower - 2024, 2023 || Co Borrower - 2 YRS Executed 4506T Verified - 2024, 2023

XXXX

690

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

75.6

XXXX

75.6

70.0

N/A

Borrower As Individual

N/A

8492117

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

09/24/2024

6.040%

Manual Underwriting

7.508%

7.375%

XXXX

$3,348.00

$279.00

$0.00

$3,276.35

$5,910.05

N/A

XXXX

$0.00

XXXX

35.87%

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

0.0

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2023

Borrower - 2024, 2023

XXXX

739

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

0.8

XXXX

3.5

80.0

N/A

Borrower As Individual

N/A

8492131

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

10/09/2024

6.120%

Manual Underwriting

7.864%

7.625%

XXXX

$2,574.00

$214.50

$0.00

$5,647.64

$46,895.98

N/A

XXXX

$0.00

XXXX

23.77%

19.53%

Self-Employed

Employed

12 Month Bank Statement

2 YRS W2

1 Month

N/A

Yes

82.17%

100.00%

0.00%

N/A

0.0

N/A

Borrower - Wage - 2 YRS 1099 Verified, Business Bank Statements Verified - 2023, 2024 || Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS W2 Verified - 2022, 2023, 2024

Borrower - 2 YRS Executed 4506T Verified - 2023, 2024 || Co Borrower - 2 YRS Executed 4506T Verified - 2022, 2023, 2024

XXXX

682

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

US Citizen

N/A

Standard Driver's License - Not for federal Use

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

3.6

XXXX

4.1

74.74

N/A

Borrower As Individual

N/A

8492109

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

10/11/2024

6.120%

Manual Underwriting

7.013%

6.875%

XXXX

$5,228.04

$435.67

$0.00

$9,292.54

$13,517.65

N/A

XXXX

$0.00

XXXX

49.13%

49.14%

Retired

Employed

Full Doc

2 YRS W2

Less than 1 Month

N/A

Yes

0.00%

N/A

Yes

Work Number

0.0

N/A

Borrower - Wage - Executed 4506T Verified, Award Letter Verified - 2023, 2024 || Co Borrower - Wage - 1 YR W2 Verified, 2 YRS W2 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS W2 Verified - 2022, 2023, 2024

Borrower - Executed 4506T Verified - 2023, 2024 || Co Borrower - 1 YR Personal Tax Returns Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024

XXXX

729

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

11.1

XXXX

11.1

69.37

N/A

Borrower As Individual

N/A

8492119

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

10/07/2024

6.120%

Manual Underwriting

8.121%

8.000%

XXXX

$1,662.00

$138.50

$0.00

$1,453.85

$2,023.35

N/A

XXXX

$0.00

XXXX

41.81%

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

0.0

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - 2023, 2024

Borrower - 2023, 2024

XXXX

780

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

56.8

XXXX

56.8

80.0

N/A

Borrower As Individual

N/A

8492112

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

10/02/2024

6.100%

Manual Underwriting

7.027%

6.750%

XXXX

$2,097.00

$174.75

$0.00

$5,691.75

$7,243.97

N/A

XXXX

$0.00

XXXX

48.79%

48.00%

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

98.38%

100.00%

N/A

0.0

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS 1099 Verified, Business Bank Statements Verified - 2023, 2024

Borrower - 2 YRS Executed 4506T Verified - 2023, 2024

XXXX

773

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

59.0

XXXX

59.0

69.0

N/A

Borrower As Individual

N/A

8492132

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.875%

XXXX

$1,874.40

$156.20

$1,500.00

$125.00

$0.00

$3,714.68

N/A

XXXX

$125.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

Stocks/Bonds,Stocks/Bonds

N/A

Yes

0.794

0.79

N/A

Borrower

XXXX

716

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

United States

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

XXXX

N/A

XXXX

15.2

XXXX

15.2

70.0

N/A

Yes

Member on Behalf of Entity

N/A

8492129

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

09/09/2024

6.320%

Manual Underwriting

10.448%

9.875%

XXXX

$990.96

$82.58

$0.00

$1,708.73

$20,520.62

N/A

XXXX

$0.00

XXXX

17.45%

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

0.0

N/A

Borrower - SESCorp - Business Bank Statements Verified - 2023, 2024

Borrower - 2023, 2024

XXXX

677

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

5.7

XXXX

5.7

80.0

N/A

Borrower As Individual

N/A

9015027

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

12/20/2024

6.630%

Manual Underwriting

8.477%

8.125%

XXXX

$1,437.00

$119.75

$672.00

$56.00

$0.00

$4,826.02

$5,340.23

N/A

XXXX

$56.00

XXXX

Monthly

48.91%

Employed

1YR Full Doc

2 YRS W2

2+ Months

N/A

Yes

0.00%

N/A

Yes

FNMA 1005

Yes

FNMA 1005

N/A

Borrower - Wage - 2 YRS W2 Verified, 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2023, 2024, 2022 || Co Borrower - Wage - 2 YRS W2 Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2023, 2024, 2022

Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, IRS Transcripts Verified - 2023, 2024, 2022 || Co Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, IRS Transcripts Verified - 2023, 2024, 2022

XXXX

758

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States

XXXX

N/A

XXXX

Non Permanent Resident Alien

Undocumented Non-US Citizen

Yes - ITIN Letter/Certificate

Standard Driver's License - Not for federal Use

United States

XXXX

I-551 Stamp and Passport

XXXX

Fee Simple

XXXX

N/A

XXXX

34.9

XXXX

34.9

80.0

N/A

Borrower As Individual

N/A

9014969

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

01/02/2025

6.900%

Manual Underwriting

9.194%

8.875%

XXXX

$1,387.80

$115.65

$0.00

$3,214.33

$16,220.67

N/A

XXXX

$0.00

XXXX

22.65%

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

Borrower - SESoleProprietor - Personal Bank Statements Verified - 2023, 2024

Borrower - 2023, 2024

XXXX

717

XXXX

Unknown

Non Permanent Resident Alien

Undocumented Non-US Citizen

Yes - ITIN Letter/Certificate

Other

Driver's License and Passport

XXXX

USA

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

XXXX

6.1

XXXX

6.1

80.0

N/A

Borrower As Individual

N/A