EX-99.69 70 ex99-69.htm SELENE SUPPLEMENTAL DATA REPORT

 

MFA 2024-NQM1 Trust ABS-15G

EXHIBIT 99.69

 

LoanRecordID Loan ID Seller Loan ID Investor Loan ID Originator Name Loan Program Guideline Product Name Loan Program Date Guideline Name UW Guideline Author Application Date TILA Status 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 TRID GSE AUS Decision System Rating Result Property Inspection Waiver (PIW) Collateral Underwriter Risk Score Loan Collateral Advisor Risk Score Eligible For Rep and Warrant Relief Per Collateral Advisor Calculated APR HUD 1 Page 1 Credits Total Qualifying P&I Qualifying Rate Default Interest Rate Present Default Interest Rate Investor Qualifying Rate Is Borrower Non Occupant Is Co Borrower Non Occupant Borrower Employment Indicator Co Borrower Employment Indicator Co Borrower 2 Employment Indicator Co Borrower 3 Employment Indicator Co Borrower 2 Length of Employment Co Borrower 3 Length of Employment Borrower Citizenship Indicator Co Borrower Citizenship Indicator Co Borrower 2 Citizenship Indicator Co Borrower 3 Citizenship Indicator Borrower Country Name Co Borrower Country Name Co Borrower 2 Country Name Co Borrower 3 Country Name Residual Income Num Units Annual Property Tax Annual Insurance Costs HOA Name HOA Address State HOA Fee Amount HOA Next Due Date HOA Payment Frequency Investor DTI PITIA QM DTI Non QM DTI Original Credit Report Date Borrower 1 Credit Report Date Borrower 2 Credit Report Date Borrower 3 Credit Report Date Borrower 4 Credit Report Date Qualifying Credit Score Third Wage Earner Original FICO Equifax Third Wage Earner Original FICO Experian Third Wage Earner Original FICO Transunion Fourth Wage Earner Original FICO Equifax Fourth Wage Earner Original FICO Experian Fourth Wage Earner Original FICO Transunion Most Recent Updated Credit Report Date Third Wage Earner Updated FICO Equifax Third Wage Earner Updated FICO Experian Third Wage Earner Updated FICO Transunion Fourth Wage Earner Updated FICO Equifax Fourth Wage Earner Updated FICO Experian Fourth Wage Earner Updated FICO Transunion Most Recent Updated Co Borrower 2 FICO Most Recent Updated Co Borrower 3 FICO Co Borrower 2 Asset Verification Level Co Borrower 3 Asset Verification Level Co Borrower 2 Income Verification Level Co Borrower 3 Income Verification Level Co Borrower 2 Employment Verification Level Co Borrower 3 Employment Verification Level Borrower Years of W2s CoBorrower Years of W2s Borrower Years of 1099s CoBorrower Years of 1099s 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 Asset Depletion Flag Partial Asset Depletion Flag Asset Depletion Months Amortized Asset Utilization Flag (No DTI) Borrower Bank Statements Flag Borrower Number of Personal Bank Statements Borrower Number of Business Bank Statements CoBorrower Bank Statements Flag 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 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 Income Doc Detail Tax Return Doc Details Document Level Most Recent Bankruptcy Type Most Recent Bankruptcy Filing Date Most Recent Bankruptcy Discharge Date Number of Bankruptcy Events Months Bankruptcy 7 11  Months Bankruptcy 13  Most Recent Deed in Lieu Date Number of Deed in Lieu Events Months Deed in Lieu Most Recent Short Sale Date Number of Short Sale Events Months Short Sale (or Pre FC)  Most Recent Foreclosure Date Number of Foreclosure Events Months Foreclosure Prior Mortgage/Rent Late 30d in 24m  Prior Mortgage/Rent Late 60d in 24m  Prior Mortgage/Rent Late 90d in 24m  Has ACH Is Equity Shared Loan Is Shared Appreciation Mortgage Expense Letter DSCR Flag TPR DSCR Originator DSCR Inverse DSCR Subordinate Lien Type Borrower Originator Citizenship Designation Borrower Verified Citizenship Designation Borrower Individual Tax Identification Number (ITIN)? Borrower Photo Identification Type Borrower Photo Identification Other Type Borrower Photo ID State of Issuance Borrower Photo ID Country of Issuance Borrower Photo ID Expiration Date Borrower Passport Country of Origin Borrower Passport Expiration Date Borrower Non-US Citizen Identification Document Borrower Date of Resident Since/Valid Date Borrower Non-US Document Expiration Date Co Borrower Originator Citizenship Designation  Co Borrower Verified Citizenship Designation Co Borrower Individual Tax Identification Number (ITIN)? Co Borrower Photo Identification Type Co Borrower Photo Identification Other Type  Co Borrower Photo ID State of Issuance Co Borrower Photo ID Country of Issuance Co Borrower Photo ID Expiration Date Co Borrower Passport Country of Origin Co Borrower Passport Expiration Date Co Borrower Non-US Citizen Identification Document Co Borrower Date of Resident Since/Valid Date Co Borrower Non-US Document Expiration Date Co Borrower 2 Originator Citizenship Designation  Co Borrower 2 Verified Citizenship Designation Co Borrower 2 Individual Tax Identification Number (ITIN)? Co Borrower 2 Photo Identification Type Co Borrower 2 Photo Identification Other Type  Co Borrower 2 Photo ID State of Issuance Co Borrower 2 Photo ID Country of Issuance Co Borrower 2 Photo ID Expiration Date Co Borrower 2 Passport Country of Origin Co Borrower 2 Passport Expiration Date Co Borrower 2 Non-US Citizen Identification Document Co Borrower 2 Date of Resident Since/Valid Date Co Borrower 2 Non-US Document Expiration Date Co Borrower 3 Originator Citizenship Designation  Co Borrower 3 Verified Citizenship Designation Co Borrower 3 Individual Tax Identification Number (ITIN)? Co Borrower 3 Photo Identification Type Co Borrower 3 Photo Identification Other Type  Co Borrower 3 Photo ID State of Issuance Co Borrower 3 Photo ID Country of Issuance Co Borrower 3 Photo ID Expiration Date Co Borrower 3 Passport Country of Origin Co Borrower 3 Passport Expiration Date Co Borrower 3 Non-US Citizen Identification Document Co Borrower 3 Date of Resident Since/Valid Date Co Borrower 3 Non-US Document Expiration Date Originating Entity CDFI Flag Foreign National Alternative Credit Documentation Months Reserves
61167 62263   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No   Appendix Q Documentation       No No Manual Underwriting Manual Underwriting           $0.00 $2,673.53 4.625% [null]   4.625% Yes   Unknown           US Citizen       XXXX         1 $5,697.00 $603.12 XXXX         0.00% 3198.54 0.00% 0.00% XXXX XXXX       607                                           0 0 0 0 0 0 0 0 0 0 No No   No No     No     0.00% 100.00%     NA     NA     NA   No   NA       NA       Borrower - Other - null Lease Agreements Verified Borrower Debt Service Coverage Ratio NA     0       0     0     0   0 0 0   No No   DSCR 1.09                                                                                                                   10
62219 62286   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors No   Appendix Q Documentation 7915 XXXX 3.160% Yes No Manual Underwriting Manual Underwriting         5.224%   $2,404.96 5.000%     5.000% No   Self-Employed           Non Permanent Resident Alien       XXXX         1 $7,437.48 $831.96 XXXX         11.46% 3094.08 11.37% 11.37% XXXX XXXX       688                                           0 0 0 0 0 0 0 0 0 1 No No   No No 0 12 No 0 0 100.00% 100.00%     N/A 0 N/A N/A N/A 0 Yes 12 No 0 NA 0 0 N/A NA 0 0 N/A Borrower - SESCorp - CPA Letter Verified, 1 YR IRS Transcripts Verified, 12 Business Bank Statements Verified - 2021 Borrower - 1 YR IRS Transcripts Verified - 2021 12 Month Bank Statement NA     0       0     0         0 0 0   No No   Conventional 0     N/A                                                                                                             165
64507 62285   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No N/A Appendix Q Documentation       No No Manual Underwriting Manual Underwriting             $1,579.38 3.990%     3.990% Yes   Unknown           US Citizen       XXXX         1 $8,124.96 $650.04 XXXX CA $117.00   Monthly 0.00% 2427.63 0.00% 0.00% XXXX XXXX       713                                           0 0 0 0 0 0 0 0 0 0 No No   No No     No             N/A   N/A N/A N/A   NA   No   NA     N/A NA     N/A Borrower Borrower Debt Service Coverage Ratio NA             0     0         0 0 0   No No   DSCR 1.19 1.19   N/A                                                                                                         No N/A 72
64509 61245   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No N/A Appendix Q Documentation       No No Manual Underwriting Manual Underwriting             $843.79 4.375%     4.375% Yes   Unknown           US Citizen       XXXX         1 $1,410.12 $1,512.00 XXXX         0.00% 1087.3 0.00% 0.00% XXXX XXXX       646                                           0 0 0 0 0 0 0 0 0 0 No No   No No     No             NA     NA     NA   No   NA       NA       Borrower Borrower Debt Service Coverage Ratio NA     0       0     0         0 0 0   No No   DSCR 1.66     N/A                                                                                                         No   74
65786 61284   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No   Appendix Q Documentation       No No Manual Underwriting Manual Underwriting           $0.00 $1,208.27 4.375%     4.375% Yes   Not Employed           US Citizen       XXXX         1 $2,316.48 $560.04 XXXX         0.00% 1447.98 0.00% 0.00% XXXX XXXX       634                                           0 0 0 0 0 0 0 0 0 0 No No   No No     No             NA     NA     NA   No   NA       NA       Borrower Borrower Debt Service Coverage Ratio NA     0       0     0         0 0 0   No No   DSCR 1.66     N/A                                                                                                             23
67701 61313   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No N/A Appendix Q Documentation       No No Manual Underwriting Manual Underwriting             $3,562.50 3.750%     3.750% Yes   Unknown           US Citizen       XXXX         1 $17,817.96 $1,321.08 XXXX         0.00% 5157.42 0.00% 0.00% XXXX XXXX       785                                           0 0 0 0 0 0 0 0 0 0 No No   No No     No             NA     NA     NA   No   NA       NA       Borrower Borrower Debt Service Coverage Ratio NA     0       0     0     0   0 0 0   No No   DSCR 1.2                                                                                                               No N/A 148
70710 60393   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No N/A Appendix Q Documentation       No No Manual Underwriting Manual Underwriting             $7,846.68 3.490%     3.490% Yes   Not Employed           US Citizen       XXXX         1 $42,768.36 $4,128.00 XXXX         0.00% 11754.71 0.00% 0.00% XXXX XXXX       779                                           0 0 0 0 0 0 0 0 0 0 No No   No No     No                         NA   No   NA       NA       Borrower Borrower Debt Service Coverage Ratio NA             0     0         0 0 0   No No   DSCR 1.02 1.02   N/A                                                                                                         No N/A 63
71462 60372   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors No   Appendix Q Documentation 7295 XXXX 3.170% Yes No Manual Underwriting Manual Underwriting         5.705%   $1,583.06 5.625%     5.625% No   Employed           Non Permanent Resident Alien       XXXX         1 $3,578.40 $1,087.68 XXXX         49.15% 1971.9 49.13% 49.13% XXXX XXXX       797                                           2 YR W2 0   0 0 0 0 0 2 2 No No   No No 0 0 No 0 0 100.00% 100.00%     N/A 0 N/A N/A N/A 0 Yes 24 No 0 Yes 24   Other NA 0 0 N/A Borrower - Wage - CPA Letter Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified Full Doc NA             0     0         0 0 0   No No   Conventional 0     N/A                                                                                                           XXXX 140