ABS-15G

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM ABS-15G

ASSET-BACKED SECURITIZER

REPORT PURSUANT TO SECTION 15G OF

THE SECURITIES EXCHANGE ACT OF 1934

O4B PARK CAPITAL SECURITIZATION DEPOSITOR, LLC

Check the appropriate box to indicate the filing obligation to which this form is intended to satisfy:

____ Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period______________ to _________________

Date of Report (Date of filing) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

Indicate by check mark whether the securitizer has no activity to report for the initial period pursuant to Rule 15Ga-1(c)(l) [ ]

Indicate by check mark whether the securitizer has no activity to report for the quarterly period pursuant to Rule 15Ga-1(c)(2)(i) [ ]

Indicate by check mark whether the securitizer has no activity to report for the annual period pursuant to Rule 15Ga-1(c)(2)(ii) [ ]

X Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2)

Central Index Key Number of depositor: 0002021598

PRKCM 2024-HOME1 Trust

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

Central Index Key Number of issuing entity (if applicable): Not applicable

Central Index Key Number of underwriter (if applicable): Not applicable

Thomas Griffin, Associate General Counsel, (803) 528-8713

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

FINDINGS AND CONCLUSIONS OF THIRD-PARTY DUE DILIGENCE REPORTS

Item 2.01 Findings and Conclusions of a Third Party Due Diligence Report Obtained by the Issuing Entity

The disclosures required by Rule 15Ga-2 (17 CFR 240.15Ga-2) are attached as an Exhibit to this Form ABS-15G. Please see the Exhibit Index for the related information.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the reporting entity has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

O4B PARK CAPITAL SECURITIZATION DEPOSITOR, LLC

By: O4B Park Capital Securitization, LLC, its member

By: Ares Alternative Credit Management LLC, its manager

By: /s/ Thomas C. Griffin III             

Name: Thomas C. Griffin III

Title: Authorized Signatory

Date: May 10, 2024

EXHIBIT INDEX

Exhibit Number

99.1 – Clayton Narrative

99.2 – Clayton Loan Level Tape Compare Upload

99.3 – Clayton Valuations Summary

99.4 – Clayton ATR QM Upload

99.5 – Clayton Rating Agency ATR QM Data Fields

99.6 – Clayton Conditions Report

99.7 – Clayton Waived Conditions Summary

99.8 – Clarifii Executive Summary

99.9 – Clarifii Rating Agency Grades Detail Report

99.10 – Clarifii Rating Agency Grades Summary Report

99.11 – Clarifii Valuation Report

99.12 – Clarifii ATR OR QM Report

99.13 – Clarifii Data Compare Report

EX-99.1

Exhibit 99.1

 

May 07, 2024
Due Diligence Narrative Report

 

 

 

TABLE OF CONTENTS

Clayton Contact Information	2
Overview	2
Originators	2
Clayton’s Third Party Review (“TPR”) Scope of Work	3
Review scope	3
# of Files Reviewed	3
Loan Grading	3
TPR Component Review Scope	4
Credit Review	4
Property Valuation Review	4
Regulatory Compliance Review	5
Data Integrity	7
Data Capture	7
Data Compare Results	7
Clayton Due Diligence Results	8
Clayton Third Party Reports Delivered	9
Appendix A: Credit Review Scope	9
Appendix B: Origination Appraisal Assessment	12
Appendix C: Regulatory Compliance Review Scope	14

 

PRKCM 2024-HOME1 Due Diligence Narrative Report Page | 1 May 07, 2024      

 

 

 

 

 

CLAYTON CONTACT INFORMATION

 

Client Service Management:

	Michael Santarsiere	Client Service Director
	Phone: (813) 371-0280/E-mail: msantarsiere@clayton.com

	Joe Ozment	Vice President – Client Services & Securitization
	Phone: (813) 261-0733/E-mail: jozment@clayton.com

 

OVERVIEW

On behalf of O4B Park Capital Securitization, Clayton conducted an independent third-party pre-securitization due diligence review of 334 residential loans. O4B Park Capital Securitization subsequently selected these loans for the PRKCM 2024-HOME1 transaction.

The loans referenced in this narrative report were reviewed on a flow loan basis from November of 2023 to April of 2024. This narrative report provides information about the scope of work performed by Clayton, and the results of Clayton’s review.

ORIGINATORS

 

Origination channels for the loans in this review:

 

Origination Channel	Loan Count	Percentage
Broker	302	90.42%
Correspondent Flow without delegated underwriting	22	6.59%
Retail	10	2.99%
Total	334	100.00%

 

 

PRKCM 2024-HOME1 Due Diligence Narrative Report Page | 2 May 07, 2024      

 

 

 

  

CLAYTON’S THIRD PARTY REVIEW (“TPR”) SCOPE OF WORK

The scope of work for this transaction consisted of a credit review, property valuation review, regulatory compliance review, and data integrity check.

REVIEW SCOPE	# OF FILES REVIEWED
Credit Review	334
Property Valuation Review	334
Regulatory Compliance Review	334
Data Integrity Check	334

LOAN GRADING

 

Each loan received an “initial” and a “final” grade. The “initial” grade was assigned during the initial loan review. The “final” grade takes into account additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Clayton’s loan grading is solely based on Clayton’s independent assessment of all guideline exceptions and compensating factors for each of the component reviews. Clayton is providing a comprehensive loan-level analysis as part of this pre-securitization reporting package that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

Clayton’s loan grading complied with rating agency grading definitions published by Moody’s, Standard and Poor’s, Fitch, Morningstar, Kroll and DBRS.

Grade Description	Credit		Property		Compliance
	Multiple*	S&P	Multiple*	S&P	Multiple*	S&P
No exceptions noted	A	A	A	A	A	A
Satisfied (previously material) exceptions	A	A	A	A	A	A
Non-material exceptions noted	B	B	B	B	B	B
Material, exceptions noted	C	C	C	C	C	C
Material documentation missing	D	D	D	D	D	D
* This grade definition is used by multiple entities, including Moody’s Kroll, DBRS, Morningstar, and Fitch

 

 

 

PRKCM 2024-HOME1 Due Diligence Narrative Report Page | 3 May 07, 2024      

 

 

 

 

TPR COMPONENT REVIEW SCOPE

Clayton examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Clayton relied on the accuracy of information contained in the loan documentation provided to Clayton.

 CREDIT REVIEW 

Clayton’s Credit scope of review conducted on 334 loans on this transaction included the following elements (for more detail, please refer to Appendix A):

● Compared the loan documentation found in the loan file to the origination guidelines;

● Re-calculated LTV, CLTV, income, liabilities, and debt-to-income ratios (DTI) and compared these against the stated seller origination guidelines;

● Analyzed asset statements in order to determine that funds to close and reserves were within origination guidelines;

● Confirmed that credit scores (FICO) and credit histories were within origination guidelines;

● Evaluated for evidence of borrower’s willingness and ability to repay the obligation;

● Examined income, employment, assets, and occupancy status for reasonability;

● Reviewed the occupancy, VOE and self/employed business documents within the loan file, as applicable;

● Listed the property type as Coop, as applicable;

● Reviewed for condo warranty documentation, as applicable;

 

 

 PROPERTY VALUATION REVIEW

Clayton’s Property Valuation scope of review conducted included the following elements:

  

● Original Appraisal Assessment (334 loans)

– Clayton reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.

– For more detail on the original appraisal review, please refer to Appendix B and to the guidelines cited above.

 

● Value Supported Analysis (334 loans) Clayton applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product. Loans were held to a -10% tolerance utilizing the following waterfall;

 

● Desk Review

● Field Review

 

For further detail please refer to the PRKCM 2024-HOME1 Valuations Summary Report.

PRKCM 2024-HOME1 Due Diligence Narrative Report Page | 4 May 07, 2024      

 

 

 

 

 

 REGULATORY COMPLIANCE REVIEW

Clayton’s regulatory compliance scope of review conducted on 334 loans on this transaction included the elements summarized below. (For more detail, please refer to Appendix C.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

● Tested for certain applicable federal, state and local high cost and/or anti-predatory laws;

● Tested for state-specific consumer protection laws including late charge and prepayment penalty provisions;

● Truth-in-lending/regulation Z (TILA) testing included the following:

– Notice of Right to Cancel (Right of Rescission) adherence if applicable;

– TIL Disclosure Timing (3/7/3) and disclosure content;

– TIL APR and Finance charge tolerances;

– Timeliness of ARM Disclosures (if applicable);

– Section 32 APR and Points and Fees Thresholds and prohibited practices;

– Section 35 Higher Priced Mortgage Loans thresholds and applicable escrow and appraisal requirements;

– Prohibited Acts or Practices including Loan Originator compensation rules, NMLSR ID on documents, financing credit Insurance, mandatory arbitration clauses, and NegAm Counseling;

– Prepayment Penalty restrictions; and

– QM/ATR Review: On applicable loans;, test compliance with applicable Qualified Mortgage (QM) and Ability to Repay (ATR) requirements defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau any loan subject to that regulation, as further described on Appendix C attached hereto.

– TILA/RESPA Integrated Disclosure Scope (‘Covered Loans’ with an Application Date => 10/3/2015); SFIG RMBS 3.0 TRID Compliance Review Scope as further described on Appendix C attached hereto.

■ Real Estate Settlement Procedures Act (RESPA) laws and regulations testing included the following, for loans other than ‘Covered Loans’ and loans with an Application Date prior to 10/3/2015:

– GFE initial disclosure timing and content;

– Confirmed the file contains the final HUD1 Settlement Statement;

– GFE to HUD1 evaluation for 0% and 10% fee tolerances;

– Homeownership Counseling Notice;

– Affiliated Business Disclosure if applicable.

 

OF NOTE: As of October 3, 2015 (“TRID Effective Date”), Clayton commenced testing applicable loans subject to the TRID Effective date against a TRID scope of review that was based on outside counsel’s interpretations of the published regulations as of the TRID Effective Date. Clayton’s scope was commercially reasonable as it relates to a Third Party Review (“TPR”) firm’s role as TPR conducting an independent third-party pre-securitization due diligence review (“Initial TRID Scope”). The Initial TRID Scope was created with guidance from outside counsel.

On, June 15th, 2016 SFIG published its RMBS 3.0 TRID Compliance Review Scope © documentation, developed under the leadership of members from Third Party Review (“TPR”) firms across the industry and SFIG’s RMBS 3.0 Due Diligence, Data and Disclosure Working Group. The RMBS 3.0 TRID Compliance Review Scope was created with an aim to facilitate a uniform testing and risk identification standard as it would apply to an assignee, as a result of a consistent Truth-In-Lending Act liability interpretation according to the understanding of prevailing legal precedent and informal written guidance and webinars offered by the CFPB, as it applies to the Know Before You Owe / Truth In Lending Act (“TILA) – Real Estate Settlement Procedures Act (“RESPA”) Integrated Disclosure (“TRID”) Rule (78 FR 79730, as amended). RMBS 3.0 TRID Compliance Review Scope may be formally amended by the SFIG RMBS 3.0 Due Diligence, Data and Disclosure Working 

 

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Group as clarifying regulations may be promulgated on a go forward basis, as well as any binding judicial interpretations of the underlying law.

 

Following the June 15^th formal publication of the RMBS 3.0 TRID Compliance Review Scope ©, Clayton reviewed prior testing results dating back to the TRID Effective Date, and applied the enhanced RMBS 3.0 TRID Compliance Review Scope to such loans upon the affirmative election by O4B Park Capital Securitization.

 

Compliance Review (Business Purpose, Non-Owner Occupied)

 

Non-Owner Occupied Scope: Most consumer protection laws are designed to afford protection to borrowers who are entering into a loan that will be secured by their residence. For most high cost and higher-priced laws, as well as rescission, the only loans covered by the law are loans secured by the borrower’s (or in the case of rescission a title holder’s) principal residence. Most other consumer protection laws extend to a borrower’s secondary residence, which under TILA and RESPA is a residence that they occupy at least 2 weeks during the year. Further, if the loan is for a business purpose it is often excluded from consumer protection laws regardless of occupancy, including TILA (whereas if it is secured by non-owner occupied but for a personal, family or household purpose it is more likely to be covered).

Therefore, the list of laws that Clayton tests that apply to a loan secured by non-owner occupied property for a business purpose is limited. Regulatory Compliance testing of Business Purpose Loans consists of the following:

State and Federal High Cost and Higher-Priced:

 

● Cook County High Cost Ordinance

● Chicago High Cost Ordinance

 

Clayton currently tests the Chicago and Cook County ordinances due to vague language around loans for a business purpose not related to the property. While the state of Illinois has similar language, Clayton’s audit law firm determined that only principal residences should be tested for IL high cost.

Anti-predatory lending laws

 

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

● Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

 

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

● Sufficiency of coverage

● Escrow of insurance payments

PRKCM 2024-HOME1 Due Diligence Narrative Report Page | 6 May 07, 2024      

 

 

 

 

DATA INTEGRITY

Clayton utilized its proprietary eCLAS tool to determine tape-to-file accuracy of 334 reviewed loans, by completing the following steps:

● Tape data received from seller/client is stored in eCLAS;

● Loan reviewer collects validated loan data in eCLAS;

● Each received data point is compared to its counterpart collected data point;

● Discrepancies found during comparison are stored

● Each discrepancy is reported in a Loan Level Tape Compare Upload.

 

DATA CAPTURE

Clayton collected data fields required to create American Securitization Forum (“ASF”) and Standard and Poor’s LEVELS 7.4.3 data disclosure requirements. Both of these file formats are provided as part of the pre-securitization reporting package. Additionally, Clayton captured rating agency required data points relating to ATR/QM determination, which is provided in the reporting package.

 

DATA COMPARE RESULTS

 

Clayton provided O4B Park Capital Securitization with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received from the sellers versus the data captured by Clayton during the loan review in relation to the 334 loans reviewed.

Field Name	# of Loans	Accuracy
Bankruptcy Chapter	1	99.70%
Borrower 1 First Time Home Buyer	3	99.10%
Borrower 1 Self Employed Flag	1	99.70%
Borrower 1 Total Income	131	60.78%
Borrower 2 First Time Home Buyer	2	99.40%
Borrower DSCR Percent	1	99.70%
Debt to Income Ratio (Back)	21	93.71%
Disbursement Date	6	98.20%
Loan Purpose	1	99.70%
Original Appraisal Date	2	99.40%
Original Appraised Value	1	99.70%
Property Type	12	96.41%
Representative Credit Score for Grading	1	99.70%
Total Cash Out	11	96.71%

PRKCM 2024-HOME1 Due Diligence Narrative Report Page | 7 May 07, 2024      

 

 

 

 

 

CLAYTON DUE DILIGENCE RESULTS

 

Below are the initial and final overall loan grades for this review, as well as the credit, property valuation, and regulatory compliance component review grades.

 

Initial and Final Overall Loan Grade Results (S&P)

 

The overall grade summary reflects the combination of the credit, property valuation and regulatory compliance component reviews into one overall grade. The overall grade assigned is the most severe grade from each of the component reviews.

Initial and Final Credit Component Grade Results (S&P)

 

Initial and Final Property Valuation Grade Results (S&P)

 

 

PRKCM 2024-HOME1 Due Diligence Narrative Report Page | 8 May 07, 2024      

 

 

 

 

 

Initial and Final Regulatory Compliance Grade Results (S&P)

*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review. (0 loans in pool)

 

 

CLAYTON THIRD PARTY REPORTS DELIVERED

 

Clayton furnished the following reports on this transaction:

1. Narrative Report

2. ASF Upload Report

3. Non ATR QM Upload

4. Conditions Report

5. Valuation Summary

6. Loan Level Tape Compare

7. Waived Conditions Summary

8. Attestation Forms

9. 15E Form

 

APPENDIX A: CREDIT REVIEW SCOPE

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

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

o DTI

o  LTV/TLTV/HLTV

o   Credit score

o Income and employment

o Assets and reserves

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

o Borrower eligibility, including:

– Citizenship status

– Non- occupant co-borrower

o Transaction eligibility, including:

– Maximum loan amount

– Loan purpose

– Occupancy

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

 

B. As part of the guideline review, Clayton performed a credit analysis during which various documents were examined, including:

o Uniform Residential Loan Application reviewed to determine:

– Initial loan application was in the loan file and was signed by all borrowers

–  Final loan application was in the loan file and was complete

– Information and debts disclosed on loan application aligned with related documentation in the loan file

o Employment analyzed and verified through use of various documents, including:

– Income documentation

– Verbal and/or written verifications of employments (VVOE, VOE)

– CPA letter

– Business licenses

– Tax transcripts (IRS Form 4506-T)

– Other documentation in loan file

o Income review included:

– Required income documentation for all borrowers was present and within required time period

– Documents did not appear to have been altered or inconsistent

– IRS Form 4506-T

● Signed by all borrowers and processed by the originator

● Compared IRS tax transcripts to income documentation and noted any inconsistencies

– Income was recalculated and was documented with applicable documentation, including:

● Tax returns

● Financial statements

● Paystubs

● W-2s

● 1099

● IRS documents

● Bank statements

● Lease agreements

● Award letters

● Other documentation in loan file

o Asset review included:

–  Asset documentation required to verify down payment, closing costs, prepaid items and reserves was present and within required timeframe, including:

● Verification of deposits (VOD)

● Depository account statements

● Stock or security account statements

● Gift funds

● Settlements statements

● Other evidence of conveyance and transfer of funds, if a sale of assets was involved

● Other documentation in loan file

– Asset documents were reviewed to determine any large deposits and appropriate sourcing of funds

o Credit Report review included:

– Complete copy of report was in loan file

– Report was dated within required timeframe

– All borrowers were included in the report

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– Checked any fraud alerts against related loan file documentation

– Verified all disclosed mortgage debt on credit report against the loan application (under the schedule of real estate owned) for accurate debt ratio calculation

– Compared liabilities listed on the credit report against the loan application for accurate debt ratio calculation

– Captured and utilized appropriate credit score for guideline review

o Title policy review included:

– Title interest – determined if

● Fee simple

● Leasehold estate

– Appropriate vestee(s) were listed on title policy

– Amount of coverage was greater than or equal to the original principal amount of the mortgage

– Applicable title endorsements were present

– Checked for any encumbrances, encroachments and other title exceptions affecting the lien identified through the title search; verified that each issues was addressed in the transaction

– Reviewed the chain of title and duration of ownership by seller or borrower (whichever was applicable)

– Captured monthly tax payments in debt ratio calculation

o HUD1 (Settlement Statement) review included:

– Funds to close identified and analyzed against borrower’s assets

– Seller contributions did not exceed maximum allowed

– Subject property, seller and borrower aligned with other loan documentation

–  Disbursements and pay-offs included in debt ratio calculations

– Loan purpose confirmed

o Hazard/Flood insurance review included:

– Verified presence of required hazard insurance and flood insurance (if required)

– Confirmed that any required insurance was for the:

● Correct borrower

● Correct property

● Correct lender

● Correct loan number

● Life of loan, if flood insurance required

– Confirmed that any required insurance minimum coverage amount and policy period

–  Reviewed for evidence that any required insurance policy premium was paid

– Confirmed that the mortgagee clause listed the lender’s name and “it’s successors and assigns”

– Confirmed that the payment amount on any required insurance was included in the debt ratio calculation

o Mortgage Insurance review included:

– Determined if mortgage insurance is required

– Captured mortgage insurance name, certificate # and percentage guarantee (when required)

 

C. For each mortgage loan, Clayton examined the mortgage or deed of trust for evidence of recordation. In lieu of a copy of the mortgage or deed of trust with recording information, a copy of the mortgage or deed of trust that is stamped “true and certified copy” by the escrow/settlement agent plus recording directions on closing instruction documentation was utilized as evidence for recording.

 

D. For each mortgage loan, Clayton utilized the results from an independent, third-party fraud tool along with information in the loan file to identify and address any potential misrepresentations including:

o Borrower identity

– Social Security inconsistencies

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– Borrower name variations

o Occupancy

– Borrower address history

– Subject property ownership history

o Employment

o Licensing – reviewed NMLS data for:

– Mortgage lender/originator

– Loan officer

o OFAC

APPENDIX B: ORIGINATION APPRAISAL ASSESSMENT

 

For each Mortgage Loan, Clayton performed the following origination appraisal analysis:

 

A. Verified that the mortgage loan file contained an appraisal report and that it met the following criteria:

 

o Appraisal report used standard GSE forms, appropriate to the property type:

☐ FNMA 1004/FHLMC 70 – Uniform Residential Appraisal Report. Used for 1-unit properties, units in planned unit developments (detached PUDs) and condominium projects that consist solely of detached dwelling (site condominium)

☐ FNMA 1073/FHLMC 465 – Individual Condominium Report. Used to appraise a unit in a condominium project or a condominium unit in a PUD (attached PUD)

☐ FNMA 1025/FHLMC 72 – Small Residential Income Property Appraisal Report. Used for all two-to-four unit residential income properties, including two-to-four unit properties in a PUD

☐ FNMA 2090 – Individual Cooperative Appraisal Report. Used for individual cooperative units

☐ FNMA 2000/FHLMC 1032 – One Unit Residential Appraisal Field Review

☐ FNMA 2000a/FHLMC 1072 – Two to Four Unit Residential Appraisal Field Review

 

o Appraisal report was reasonably complete and included:

☐ Appraisal report form, certification, statement of limiting conditions and scope of work

☐ Accurate identification of the subject property

☐ Accurate identification of the subject loan transaction

☐ Accurate identification of the property type, in both land and improvements

☐ All required attachments including:

● Subject front, rear and street photos and valued features

● Subject interior photos – kitchen, all baths, main living area, updates/upgrades, deferred maintenance

● Photos of all comparable sales and listings

● Location map

● Exterior sketch of property with dimensions

● 1004MC Market Conditions Report

☐ Evidence that appraisal report was made “As Is” or provided satisfactory evidence of completion for all material conditions

☐ Appraisal date met supplied Sponsor Acquisition Criteria

☐ If applicable to Sponsor Acquisition Criteria requirements, a second full appraisal was furnished and met Sponsor Acquisition Criteria

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B. Performed a general credibility assessment of the results of the appraisal per Title XI of FIRREA and USPAP based on the following criteria:

 

o Title XI of FIRREA:

☐ Determined that either the appraiser or supervisory appraiser was appropriately licensed by verifying the appraiser’s license included in the appraisal.

☐ Reviewed for the presence of any “red flags” related to the mortgaged property that may have posed a risk to the property or occupants

o USPAP

☐ Confirmed that the appraiser’s certification is present and executed within the original appraisal.

 

C. Reviewed and graded the appraisal valuation to the following criteria:

 

o Appraised value was reasonably supported. Utilized the following review in making value supported determination:

☐ Comps used were located reasonably close to the subject property and if not the reason was satisfactorily explained

☐ Comps used were reasonably recent in transaction date and if not the reason was furnished

☐ Comps used were reasonably similar to the subject property and if not an explanation was supplied

☐ Appraised value of the subject was bracketed by the sales prices of the comps and if not the reason was furnished

☐ Adjustments were reviewed and appeared reasonable utilizing the 15% net/25% gross guideline.

o Property was complete. However, if the property was not 100% complete, then any unfinished portion had no material impact to the value, safety, soundness, structural integrity, habitability or marketability of the subject property

o Appraisal was reviewed for any indication of property or marketability issues. Utilized the following key points in making determination:

☐ Appraisal was made on an “As Is” basis or provides satisfactory evidence of completion of all material conditions

☐ Property usage was reviewed for zoning compliance

☐ Property utilization was reviewed to determine it was “highest and best use”

☐ Neighborhood values were reviewed to determine if declining

☐ Market conditions were reviewed to determine indication of possible marketability issues:

● Location

● % built up

● Growth rate

● Demand/supply

● Marketing time

● Predominant occupancy

☐ Physical condition of the property was reviewed to determine that the property condition was average or better

☐ Style of property was reviewed to determine if unique property

☐ Any health and safety issues were noted and/or remediated

☐ Locational and/or environmental concerns adequately addressed if present

D. Property Eligibility Criteria – Clayton reviewed the property to determine that the property met the client supplied eligibility requirements. Examples of ineligible property types may include:

o 3 to 4 unit owner occupied properties

o 2 to 4 unit second homes

o Unwarrantable or limited review condominiums

o Manufactured or mobile homes

o Condotel units

o Unique properties

o Working farms, ranches or orchards

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o Mixed-use properties

o Properties subject to existing oil or gas leases

o Properties located in Hawaii Lava Zones 1 and 2

o Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

 

E. Properties Affected by Disasters Criteria – Clayton reviewed the appraisal date against any FEMA Declared Disaster Areas that were designated for Individual and/or Public Assistance due to a federal government disaster declaration.

o If the appraisal date is before the FEMA Effective Date for any of the disasters listed, Clayton will specify whether or not there has been a property inspection since the date listed, the latest inspection date, whether or not new damage has been indicated, and the amount of said damage.

 

F. Disclaimer

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

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

o Clayton is not an ‘AMC’ (appraisal management company) and therefore Clayton does not opine on the actual value of the underlying property

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

o Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

APPENDIX C: REGULATORY COMPLIANCE REVIEW SCOPE

This appendix provides an overview of Clayton’s proprietary compliance system for 1-4 family residential mortgage loans in the due diligence process to determine, to the extent possible and subject to the caveats below, whether the loans comply with federal, state and local laws. The Disclaimer section explains limitations that you should be aware of. Additional details on the items listed below as well as Clayton’s state, county and municipal testing can be provided upon request. The compliance engine is fully integrated into Clayton’s proprietary due diligence platform, eCLAS.

 

Federal Law

 

A. RESPA and Regulation X: Loan level analysis on the following:

o GFE/HUD1: confirm the correct version of the GFE and HUD1 were properly completed under the Regulation X Final Rule that became mandatory on January 1, 2010

o Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

o Final GFE: Verification that increases to fees from the initial GFE were disclosed within 3 days of valid changed circumstance documentation within the loan file

o Final HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms on the HUD1 correspond to the actual loan terms from the Note

o Final GFE to HUD1 tolerance fee evaluation: confirm the fees charged on the HUD1 do not exceed the Final GFE in the 0% or 10% fee tolerance categories, including a review for a Settlement Service Provider List if the lender excludes fees that the borrower can shop for.

o Affiliated Business Disclosure: if the loan file indicates the lender or broker referred the borrower to a known affiliate, confirm the disclosure was provided to the borrower

o Homeownership Counseling Notice: for loan applications on or after 1/10/2014, confirm the notice was provided to the borrower within 3 days of application

PRKCM 2024-HOME1 Due Diligence Narrative Report Page | 14 May 07, 2024      

 

 

 

B. Truth in Lending Act and Regulation Z - Loan level analysis on the following:

o TIL Disclosure: Content of Disclosures – perform an independent recalculation of the finance charges and APR to determine whether the amounts disclosed on the final TIL were within allowable tolerances. Payment schedule accuracy, including under the Mortgage Disclosure Improvement Act for loans applications on or after January 30, 2010. Additional disclosure content with a focus on the consistency of the prepayment penalty disclosure and assumption policy with the note and security instrument.

o Mortgage Disclosure Improvement Act, (3/7/3 rule): Confirm the timing of the initial TIL disclosure within 3 days of application, 7 days prior to consummation, and corrected TIL disclosures provided at least 3 days prior to consummation for applications received on or after July 30, 2009 (Section 19)

o ARM Disclosure: confirm these disclosures are in the file within 3 days of application, or 3 days of the borrower discussing ARM programs identified within the loan file

o Right of Rescission – Review the disclosure form type, disclosure timing, disclosed dates, other material disclosures, and the loan disbursement (Section 23)

o High Cost mortgage thresholds for points and fees (Section 32)

o High Cost Prohibited Acts and Practices upon request (Section 33)

o Higher Priced Mortgage Loan thresholds for APR in relation to the APOR. Including Escrow and appraisal requirements (Section 35)

o Prohibited Acts or Practices including testing the Loan Originator compensation rules, NMLSR ID on documents, financing Credit Insurance, mandatory arbitration clauses, and NegAm Counseling (Section 36)

o ATR/QM Ability to Repay, aka Minimum Standards for Transactions: for applications on or after 1/10/2014, confirm the loan file contains documentation to evidence the lender considered and verified the borrower has the ability to repay in accordance with the ATR requirements This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non QM loans will be reviewed to ensure the lender documented that they considered and verified the 8 underwriting factors as required for ATR compliance. This review also includes evaluating loans against the new TILA prepayment penalty restrictions (Section 43)

o TILA/RESPA Integrated Disclosures (“TRID”)

● Test whether or not the loan is subject to disclosure on TRID documents, the Loan Estimate (“LE”) and Closing Disclosure (“CD”)

● Pre-application Requirement Testing:

● Pre-application forms cannot look similar to the LE

● Pre-application forms must contain the required disclaimer (“Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan”).

● Timing Requirements:

● The LE was delivered or placed in the mail within 3 business days of the broker or lender receiving an application.

● The loan does not consummate (Clayton looks to the later of the note date or notary date) until the later of seven business days after the LE is delivered or placed in the mail and three business days after the CD (or Corrected CD when a new three-day waiting period is triggered) is received.

● That a revised LE or CD is provided within three business days of the lender having knowledge of the information that led to the change.

● Fee Tolerances:

● Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

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

● Payment Schedule Accuracy:

● The number of columns and timing of changes to payments as well as the mortgage insurance drop-off match Clayton’s calculated payment schedule.

● Interest-only periods and final balloon payments are accurately completed.

● The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.

● When applicable, that the AIR and AP tables are consistent with Clayton’s calculations.

PRKCM 2024-HOME1 Due Diligence Narrative Report Page | 15 May 07, 2024      

 

 

 

● Accuracy of the Loan Calculations

● Amount Financed

● Finance Charge

● Total of Payments

● Total interest percentage

● Technical Requirements

● Compliance with the TRID rounding rules.

● Compliance with specified formatting requirements.

● Compliance with date entry requirements (such as when a field, if not applicable, must be present and left blank).

● Alphabetization of fees.

● Title fees preceded by “Title –.”

● Column or similar limits such as four columns for Projected Payments and a maximum of thirteen Origination Charges on the LE.

● Consistency within and across forms

● Once a fee is disclosed it must remain substantially the same name across disclosures.

● Consistency between the Costs at Closing and Calculating Cash to Close tables, for which there is a version for transactions with a seller and an optional, but not required, version for transactions without a seller. They should be consistent within and across disclosures.

● Where amounts in a table reference that they are derived from another section of the form, that the amounts match the amount in the section referenced.

● Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

● Completion of the LE and CD

● All required fields not specifically listed herein are completed or left blank in accordance with TRID rules; creditor information, contact information, rate lock information, etc.

● For areas where multiple options are provided, such as Assumption, Negative Amortization and Liability after Foreclosure, only one option is indicated.

● That there is either a signature or a Loan Acceptance statement on the form.

● Waivers

● Clayton will capture if the borrower waived their waiting period and the sufficiency of the waiver under TRID. However, based on past experience with clients, Clayton will also issue an exception for the loan closing early.

● Corrected CD requiring a new waiting period

● Whether the APR increased or decreased outside of tolerance requiring a new waiting period and whether that waiting period was provided. For APR decreases Clayton will look to whether the APR decreased due to a reduced finance charge, which will be considered to be within tolerance.

● Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

● Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

● Post-Close CD’s

● Corrected CD’s provided with a post-close refund.

● Post-close CD’s to correct numerical errors based on events (such as recording) occurring within 30 days of consummation.

● Post-close CD’s to correct non-numerical clerical errors required within 60 days of consummation.

PRKCM 2024-HOME1 Due Diligence Narrative Report Page | 16 May 07, 2024      

 

 

 

● Related Documentation

● Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

● Written List of Providers, when there are items in in the Services You Can Shop For category (can impact fee tolerances)

● Affiliated Business Disclosure (can impact fee tolerances)

● Outside of Clayton’s default TRID scope:

● Accuracy of the LE in terms of whether fees are within the correct category and loan terms where we would need a Note to verify. More detailed testing will occur by comparing the final CD to the Note terms.

● Whether the Liability after Foreclosure selection is correct for the property state.

● Accuracy of the Aggregate Adjustment amount.

● Presence and accuracy of the Seller’s Transaction columns of the Summaries of Transactions section.

● Accuracy of the Contact Information for the lender, broker and settlement agent. Clayton will look for discrepancies across forms, but is not independently verifying the information.

 

C. FACTA - the Credit Score, Key Factors, and Notice to Home Loan Applicant disclosures

 

D. HMDA – Whether the loans is Rate Spread threshold reportable.

 

 

STATE, COUNTY and MUNICIPAL LAW

 

A. Higher-Priced

Clayton test whether a loan meets the thresholds for a higher-priced, rate spread, subprime or nonprime mortgage loan, and whether such loan meets regulatory requirements, in the following states:

Higher-Priced
California	Maryland	New York
Connecticut	Massachusetts (subprime ARMS to first time homebuyers)	North Carolina
Maine	Minnesota

 

B. State/Local High Cost

Clayton test whether a loan meets the thresholds for a high cost or covered loan in the following states, counties and municipalities, and also tests for compliance with provisions in such laws that apply to all loans subject to high cost testing:

State/Local High Cost
Arkansas	Maine	Pennsylvania
California	Maryland	Rhode Island, including the Providence ordinance
Colorado	Massachusetts	South Carolina
Connecticut	Nevada	Tennessee
District of Columbia	New Jersey	Texas
Florida	New Mexico	Utah
Georgia	New York	Vermont (High Rate, High Point law)

PRKCM 2024-HOME1 Due Diligence Narrative Report Page | 17 May 07, 2024      

 

 

 

State/Local High Cost
Illinois, including the Cook County and Chicago ordinances	North Carolina	Wisconsin
Indiana	Ohio, including Cleveland Heights ordinance
Kentucky	Oklahoma

 

C. Anti-Predatory

Several states have laws that do not create a separate class of high cost or higher-priced mortgage loans, but set APR or finance charge ceilings and may also set forth similar anti-predatory lending restrictions as found in high cost laws. Clayton tests for compliance with such laws in the following states:

● Minnesota (Mortgage Originator and Service Licensing Act)

● Puerto Rico (Office Regulation 5722)

● Texas (Texas Finance Code)

● West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

 

D. Borrower’s Interest

Clayton uses a module that reports to the client the factors that the client can weigh to determine whether or not the loan is in the borrower’s interest, and also makes a mathematical determination as to whether or not there is at least one benefit. This module is only used in the following states, where the laws or releases by the regulators provide an indication of some standards that can be applied.

Borrower’s Interest
Maine	Ohio	South Carolina
Massachusetts
	Rhode Island

E. Consumer Protection

Several states have laws that neither create a separate class of high cost or higher-priced mortgage loan, nor impose a ceiling on the overall fees or APR, but nonetheless contain requirements and restrictions on mortgage loans that may impact the assignee or the lien. Clayton tests for compliance with such laws, including late charge and prepayment penalty provisions, in the following states and municipalities:

Consumer Protection
Alabama (the “Mini-code”)	Nebraska (Mortgage Bankers Registration and Licensing Act and the Installment Loan Act)
Hawaii (Financial Services Loan Company Act)	Nevada (AB 440
Idaho (Residential Mortgage Practices Act)	Ohio (Consumer Sales Practices Act; whether the loan is in Summit County)
Illinois (both versions of the Cook County Predatory Lending Database; Illinois Residential Mortgage Licensing Act)	Texas (Article XVI, Section 50(a)(6) of the Texas Constitution)

 

PRKCM 2024-HOME1 Due Diligence Narrative Report Page | 18 May 07, 2024      

 

 

 

Consumer Protection
Iowa (Consumer Credit Code)	Utah (Consumer Credit Code)
Kansas (Consumer Credit Code)	Virginia (Mortgage Lender and Broker Act)
Kentucky (HB 552)	Washington (Consumer Loan Act and Responsible Mortgage Lending Act)
Maryland (DLLR Regulations, Commercial Law)	West Virginia (Consumer Credit Protection Act)
Massachusetts (Attorney General regulations)	Wyoming (Residential Mortgage Practices Act)
Michigan (Consumer Mortgage Protection Act)

 

See attached Exhibit A - Consumer Protection Laws for additional details on the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope:

 

F. Texas Equity

In addition to identifying whether Texas refinances are cash out transactions subject to the Texas Constitution Article 16 Section 50(a)(6) requirements, Clayton reviews the title report to confirm prior loans being refinanced are continuous purchase money and not (a)(6) loans. In the event a loan is determined to be a Texas Home Equity loan, the underwriter reviews the loan images to confirm the loan meets the Texas requirements including maximum LTV/CLTV, 3% fee cap, product restrictions and the required disclosures were provided to the borrower in accordance with required timelines.

 

GSE Testing

Clayton can review loans to determine whether they comply with Fannie Mae’s and Freddie Mac’s Points and Fees threshold tests. These fee limitations of 5% for all loans with application dates prior to 1/10/2014 were reduced to 3% on Primary and Second Homes for applications on or after 1/10/2014. If requested, loans can be reviewed to determine whether the loan is a residential mortgage transaction ineligible for delivery due to its APR or fees exceeding the HOEPA thresholds. Clayton offers Lender Letter and non-traditional mortgage testing for Fannie Mae. (Note: Fannie Mae requires a non-disclosure agreement between the client and Fannie Mae for Clayton to report these results.)

 

Disclaimer

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton’s review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clayton’s review is not designed to fully test a lender’s compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.

© 2024 Clayton Services LLC. All rights reserved.

This material is confidential and may not be copied, used, or distributed without the written permission of Clayton Services LLC

PRKCM 2024-HOME1 Due Diligence Narrative Report Page | 19 May 07, 2024      

 

EX-99.2

Exhibit 99.2

Client Name:
Client Project Name:	PRKCM 2024-HOME1
Start - End Dates:	11/28/2023 - 4/4/2024
Deal Loan Count:	334
Loan Level Tape Compare Upload
Loans in Report	334

Loan Number	Borrower Last Name	Field Name	Tape Data	Reviewer Data
1090300722	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
1090300740	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
1100501038	XXXXXX	Debt to Income Ratio (Back)	47.2100	43.5342
1100501061	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
1100501061	XXXXXX	Debt to Income Ratio (Back)	35.5000	31.6697
1100501061	XXXXXX	Property Type	Detached PUD	SFR-Attached
1100501068	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
1100501068	XXXXXX	Debt to Income Ratio (Back)	46.1300	40.1367
1100501083	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000085624	XXXXXX	Loan Purpose	Rate and Term Refi	Cashout Refi
2000086313	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000087533	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000088432	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000088432	XXXXXX	Debt to Income Ratio (Back)	41.0800	37.5267
2000088779	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000088993	XXXXXX	Disbursement Date	XXXXXX	XXXXXX
2000088993	XXXXXX	Total Cash Out	XXXXXX	XXXXXX
2000090100	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000090444	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000090483	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000090529	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000090529	XXXXXX	Property Type	Detached PUD	Attached PUD
2000090793	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000090831	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000090855	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000090881	XXXXXX	Debt to Income Ratio (Back)	46.7300	37.7177
2000090882	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000090921	XXXXXX	Borrower 1 Self Employed Flag	Yes	No
2000090921	XXXXXX	Debt to Income Ratio (Back)	40.8400	36.5337
2000090921	XXXXXX	Total Cash Out	XXXXXX	XXXXXX
2000090955	XXXXXX	Total Cash Out	XXXXXX	XXXXXX
2000090975	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000091134	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000091174	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000091189	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000091213	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000091213	XXXXXX	Debt to Income Ratio (Back)	39.3100	34.4776
2000091228	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000091324	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000091355	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000091360	XXXXXX	Borrower 2 First Time Home Buyer	Yes	No
2000091360	XXXXXX	Disbursement Date	XXXXXX	XXXXXX
2000091373	XXXXXX	Bankruptcy Chapter	No	7
2000091375	XXXXXX	Property Type	Detached PUD	Attached PUD
2000091392	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000091397	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000091404	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000091415	XXXXXX	Borrower 1 First Time Home Buyer	Yes	No
2000091415	XXXXXX	Total Cash Out	XXXXXX	XXXXXX
2000091441	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000091454	XXXXXX	Original Appraisal Date	XXXXXX	XXXXXX
2000091475	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000091475	XXXXXX	Borrower 2 First Time Home Buyer	No	Yes
2000091475	XXXXXX	Representative Credit Score for Grading	795	796
2000091476	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000091478	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000091499	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000091504	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000091515	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000091519	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000091534	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000091552	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000091558	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000091561	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000091561	XXXXXX	Debt to Income Ratio (Back)	46.7000	43.6508
2000091568	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000091584	XXXXXX	Borrower 1 First Time Home Buyer	Yes	No
2000091584	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000091603	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000091629	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000091643	XXXXXX	Property Type	Low Rise Condo (1-4)	High Rise Condo (9+)
2000091645	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000091645	XXXXXX	Debt to Income Ratio (Back)	32.8200	29.2849
2000091669	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000091685	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000091713	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000091750	XXXXXX	Total Cash Out	XXXXXX	XXXXXX
2000091754	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000091780	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000091780	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
2000091780	XXXXXX	Property Type	Detached PUD	Attached PUD
2000091793	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000091799	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000091799	XXXXXX	Property Type	Detached PUD	Attached PUD
2000091899	XXXXXX	Debt to Income Ratio (Back)	48.6900	41.4625
2000091906	XXXXXX	Property Type	Detached PUD	Attached PUD
2000091953	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000091956	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000091971	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000091982	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000091984	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092066	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092074	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092083	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092096	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092096	XXXXXX	Original Appraisal Date	XXXXXX	XXXXXX
2000092096	XXXXXX	Total Cash Out	XXXXXX	XXXXXX
2000092106	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092109	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092109	XXXXXX	Debt to Income Ratio (Back)	48.9500	40.4287
2000092116	XXXXXX	Property Type	Detached PUD	Attached PUD
2000092117	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092121	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092123	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092123	XXXXXX	Total Cash Out	XXXXXX	XXXXXX
2000092137	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092196	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092217	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092222	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092244	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092291	XXXXXX	Disbursement Date	XXXXXX	XXXXXX
2000092303	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092317	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092321	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092330	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092381	XXXXXX	Debt to Income Ratio (Back)	33.5000	29.3293
2000092383	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092398	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092402	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092403	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092432	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092459	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092464	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092464	XXXXXX	Disbursement Date	XXXXXX	XXXXXX
2000092473	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092490	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092490	XXXXXX	Property Type	Low Rise Condo (1-4)	Mid Rise Condo  (5-8)
2000092556	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092563	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092566	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092577	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092583	XXXXXX	Debt to Income Ratio (Back)	19.0500	31.4523
2000092585	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092589	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092589	XXXXXX	Debt to Income Ratio (Back)	7.4600	3.8024
2000092607	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092616	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092637	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092660	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092661	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092679	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092679	XXXXXX	Total Cash Out	XXXXXX	XXXXXX
2000092707	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092712	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092746	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092761	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092767	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092783	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092823	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092823	XXXXXX	Property Type	Detached PUD	Attached PUD
2000092836	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092894	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092900	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092902	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092906	XXXXXX	Debt to Income Ratio (Back)	34.5600	31.0176
2000092938	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092948	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000092967	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000093019	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000093019	XXXXXX	Property Type	Detached PUD	SFR-Attached
2000093024	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000093024	XXXXXX	Debt to Income Ratio (Back)	48.4900	41.2555
2000093035	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000093035	XXXXXX	Debt to Income Ratio (Back)	43.7200	37.3854
2000093048	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000093048	XXXXXX	Debt to Income Ratio (Back)	37.2800	40.6203
2000093058	XXXXXX	Total Cash Out	XXXXXX	XXXXXX
2000093126	XXXXXX	Debt to Income Ratio (Back)	44.4900	38.3038
2000093140	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000093167	XXXXXX	Debt to Income Ratio (Back)	39.4500	43.8667
2000093171	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000093199	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000093265	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000093300	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000093303	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000093340	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000093389	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000093389	XXXXXX	Disbursement Date	XXXXXX	XXXXXX
2000093473	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000093488	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000093578	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000093614	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000093685	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000093685	XXXXXX	Debt to Income Ratio (Back)	28.1700	33.0239
2000093752	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000094006	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
2000094006	XXXXXX	Property Type	Low Rise Condo (1-4)	Mid Rise Condo  (5-8)
4000003808	XXXXXX	Borrower 1 First Time Home Buyer	Yes	No
4000003808	XXXXXX	Borrower DSCR Percent	2.9886	3.1662
4000003808	XXXXXX	Total Cash Out	XXXXXX	XXXXXX
4000003946	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX
4000003946	XXXXXX	Disbursement Date	XXXXXX	XXXXXX
4000003960	XXXXXX	Total Cash Out	XXXXXX	XXXXXX
4000003984	XXXXXX	Borrower 1 Total Income	XXXXXX	XXXXXX

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EX-99.3

Exhibit 99.3

Client Name:
Client Project Name:	PRKCM 2024-HOME1
Start - End Dates:	11/28/2023 - 4/4/2024
Deal Loan Count:	334
Valuations Summary
Loans in Report:	334

					Origination Values										Automated Valuation Model							Desk Review				Second Desk Review				Field Review				Second Field Review				1004 SFR (Mar 05)				2055 Ext Only (Mar 05)				BPO (Broker Price Opinion)				Other					AUS Information
Loan Number	Seller Loan Number	Original Balance	Sales Price	Value For LTV	Appraised Date	Appraised Value	Appraisal Form	AVM Vendor Name	Confidence Score	Review Date	Review Value	Variance Amount	Variance %	Review Type	Report Date	Value	Variance Amount	Variance (%)	AVM Vendor Name	AVM FSD	Confidence Score	Report Date	Value	Variance Amount	Variance (%)	Report Date	Value	Variance Amount	Variance %	Report Date	Value	Variance Amount	Variance (%)	Report Date	Value	Variance Amount	Variance (%)	Report Date	Value	Variance Amount	Variance (%)	Report Date	Report Value	Variance Amount	Variance (%)	Report Date	Value	Variance Amount	Variance (%)	Other - Valuation Type	Report Date	Value	Variance Amount	Variance (%)	CU / LCA Score
1000800870	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
1090300684	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
1090300695	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.2
1090300703	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
1090300722	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.1
1090300740	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	-2.70%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.5
1100501038	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.6
1100501061	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	-0.19%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
1100501068	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
1100501083	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000085624	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.7
2000086313	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000087533	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.7
2000088432	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.6
2000088541	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000088779	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.1
2000088993	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	4.8
2000089446	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.9
2000089448	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.4
2000089697	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	4.1
2000090100	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000090124	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	5.0
2000090346	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.6
2000090366	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000090436	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.1
2000090444	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000090483	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	5.0
2000090529	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.8
2000090653	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	4.5
2000090793	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	4.3
2000090811	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.6
2000090831	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%	XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.8
2000090855	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.8
2000090881	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%	XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	4.7
2000090882	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%	XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
2000090921	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.9
2000090955	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.3
2000090956	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.2
2000090975	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.6
2000090989	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.6
2000090991	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091019	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.5
2000091032	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.6
2000091077	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
2000091134	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091161	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.1
2000091174	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%	XXXXXX	XXXXXX	XXXXXX	12.50%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	4.2
2000091189	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091213	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%	XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091228	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.6
2000091230	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091271	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%	XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091324	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.6
2000091332	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.2
2000091355	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091360	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091373	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091375	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091392	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091394	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091397	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%	XXXXXX	XXXXXX	XXXXXX	1.06%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.0
2000091401	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.5
2000091404	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.1
2000091407	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.3
2000091414	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091415	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091434	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091441	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	4.1
2000091454	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	-11.08%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%	XXXXXX	XXXXXX	XXXXXX	5.93%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.2
2000091455	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.2
2000091465	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091473	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091475	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.1
2000091476	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.3
2000091478	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091485	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091499	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091501	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091504	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091505	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091506	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.6
2000091508	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091515	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091519	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091534	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.1
2000091537	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	-8.57%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	4.7
2000091552	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091558	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091561	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091568	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091584	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.5
2000091586	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091603	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091605	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091626	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.9
2000091629	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.3
2000091632	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.2
2000091635	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091643	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091645	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	-9.21%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.5
2000091653	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.7
2000091669	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.3
2000091682	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091685	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091703	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	1.64%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091707	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091713	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091715	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.6
2000091720	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091722	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.3
2000091728	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.1
2000091730	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091731	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091736	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.6
2000091739	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.7
2000091750	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091754	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.8
2000091780	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.1
2000091793	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.2
2000091799	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	-3.32%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091824	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	-1.62%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.3
2000091833	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091847	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	8.24%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091862	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.3
2000091867	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.6
2000091869	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	-4.04%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091878	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091892	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091899	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.0
2000091902	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	-5.56%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
2000091906	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.6
2000091915	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.5
2000091949	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	-1.41%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.1
2000091952	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091953	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091956	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.6
2000091971	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.5
2000091975	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.9
2000091981	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000091982	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	5.0
2000091984	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.5
2000091987	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092001	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	-9.75%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092043	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%	XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.2
2000092053	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	8.33%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.9
2000092066	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.7
2000092074	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1025 Multi-Fam (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	-1.25%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
2000092081	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092083	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.3
2000092096	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1025 Multi-Fam (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
2000092102	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1025 Multi-Fam (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
2000092104	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092106	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.5
2000092107	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.1
2000092109	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092116	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.9
2000092117	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.0
2000092121	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.1
2000092123	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092127	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092137	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092143	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092169	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.6
2000092174	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.2
2000092177	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
2000092185	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092189	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092190	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%	XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.6
2000092196	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	-0.74%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.3
2000092197	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.2
2000092217	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	4.0
2000092222	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.5
2000092244	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092245	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.6
2000092291	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	1.50%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.8
2000092303	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092306	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	5.0
2000092308	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092315	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092317	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.7
2000092321	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.6
2000092323	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092325	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092330	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092339	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092357	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092359	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.7
2000092376	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	4.0
2000092381	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	-1.32%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.3
2000092383	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.5
2000092387	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	-0.62%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092397	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092398	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.6
2000092402	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	-3.57%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092403	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092417	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092432	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.5
2000092435	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092447	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092459	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%	XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.0
2000092462	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	5.0
2000092464	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.8
2000092473	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.5
2000092483	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	5.0
2000092490	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.2
2000092494	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.6
2000092495	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	-3.56%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.4
2000092531	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092548	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092554	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.6
2000092556	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.1
2000092563	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092566	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092577	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.7
2000092583	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092585	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092589	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092604	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.9
2000092607	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092616	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	-3.33%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.0
2000092620	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092623	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092637	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092644	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092653	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.7
2000092660	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092661	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092676	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	4.0
2000092679	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092690	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.3
2000092691	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092707	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.7
2000092712	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.0
2000092722	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.6
2000092728	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.6
2000092746	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.7
2000092761	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.6
2000092766	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092767	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092780	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	-0.12%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.6
2000092781	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092783	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.5
2000092821	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092823	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.6
2000092836	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.4
2000092853	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	4.1
2000092856	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.4
2000092872	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.3
2000092885	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092894	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092896	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	-0.66%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.1
2000092900	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.6
2000092902	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.7
2000092906	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.1
2000092919	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.6
2000092925	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092938	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092940	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.3
2000092945	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.72%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.8
2000092948	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092949	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092957	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092963	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.4
2000092967	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.4
2000092976	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000092977	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000093011	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.1
2000093012	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	-0.63%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.9
2000093016	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.7
2000093019	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000093024	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	-3.70%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000093035	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.0
2000093048	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.8
2000093051	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000093052	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.7
2000093058	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000093064	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000093112	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000093125	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000093126	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.4
2000093140	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.5
2000093148	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000093167	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000093171	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	4.2
2000093199	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000093220	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000093223	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000093228	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000093265	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.2
2000093282	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.5
2000093292	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%	XXXXXX	XXXXXX	XXXXXX	0.39%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000093300	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.2
2000093303	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000093326	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%	XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000093340	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
2000093354	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.7
2000093389	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.2
2000093432	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000093444	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000093448	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000093450	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000093473	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.9
2000093480	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	-0.74%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.0
2000093488	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000093578	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	-4.78%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.6
2000093614	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.6
2000093677	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000093685	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	2.11%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.3
2000093733	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.1
2000093752	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
2000093908	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	-6.13%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	5.0
2000094006	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
4000003779	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
4000003808	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1025 Multi-Fam (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
4000003900	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
4000003903	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.4
4000003905	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.57%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
4000003918	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
4000003924	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
4000003940	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
4000003942	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
4000003944	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
4000003945	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.6
4000003946	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
4000003949	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.8
4000003953	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.1
4000003954	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	-3.23%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
4000003955	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.9
4000003960	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
4000003962	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.6
4000003968	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.2
4000003969	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.3
4000003972	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.1
4000003984	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0

EX-99.4

Exhibit 99.4

Client Name:
Client Project Name:	PRKCM 2024-HOME1
Start - End Dates:	11/28/2023 - 4/4/2024
Deal Loan Count:	335
ATR QM Upload
Loans in Report:	334

Loan Number

Deal

Seller Loan Number

Original Principal Balance

State

Loan Level ATR/QM Status

Lender Provided ATR/QM Worksheet

Initial Lender ATR/QM Status

Application Date

Borrowers Qualified Through a Non-Resident Alien Program

Occupancy

Property Type

Number of Units

Loan Type

Exempt Loan Product Type

Exempt Loan Housing Agency

Community Housing Development

Credit Under Economic Stabilization Act Of 2008

Refinance Of Non-Standard Mortgage

Higher Priced Covered Transaction

State Prepay Exceptions

Loan Purpose

Loan Term Exceeds 30 Years

Interest Only Feature

Negative Amortization

Balloon Payment

Prepay Penalty Flag

Prepayment Penalty Type

Prohibited Prepayment Penalty

Exceeds Points And Fees

Exceeds DTI Limit

Lien Position

APR

QM Calculated DTI Adherence

QM Lenders DTI Adherence

QM Fee Adherence - Total Charges %

QM Fee Adherence - Lenders Fee %

Fannie Mae Eligible

Freddie Mac Eligible

VA Guaranty Eligible

FHA Insured Eligible

USDA Guarantee Eligible

Rural Housing Service Insured Eligible

QM - Expected Income Or Assets For DTI

QM - Current Employment Status For DTI

QM - Monthly Payment On Subject Loan For DTI

QM - Monthly Payment On Additional Loan For DTI

QM - Monthly Payment Mortgage Related Obligations

QM - Current Debt Obligations Alimony and Child Support for DTI

QM - Monthly DTI Ratio Or Residual Income

ATR - Guidelines Provided to Document Approach

ATR - Current And Expected Income And Assets

ATR - Current Employment Status

ATR - Mortgage Payment Obligation

ATR - Mortgage Payment on Simultaneous Transaction

ATR - Payment For Mortgage Related Obligations

ATR - Debt Obligations Including Alimony and Child Support

ATR - Monthly DTI Ratio or Residual Income

ATR - Consumer Credit History

ATR Lenders - DTI (Back)

ATR Calculated DTI (Back)

QM Lender Value DTI (Back)

QM Calculated DTI (Back)

Initial DTI (Back)

DTI Qualifying (Back)

Residual Income Analysis in File

Residual Income Guidelines

Did Loan Meet Guidelines

Residual Income Amount

Short Sale

Short Sale Date

Deed In Lieu

Deed In Lieu Date

QRM Flag

Borrower 2 Guarantor Flag

Borrower 3 Guarantor Flag

Borrower 4 Guarantor Flag

Borrower 1 Paystub Flag

Borrower 1 Paystub Number of Months

Borrower 2 Paystub Flag

Borrower 2 Paystub Number of Months

Borrower 3 Paystub Flag

Borrower 3 Paystub Number of Months

Borrower 4 Paystub Flag

Borrower 4 Paystub Number of Months

Borrower 1 W2 Flag

Borrower 1 W2 Number of Months

Borrower 2 W2 Flag

Borrower 2 W2 Number of Months

Borrower 3 W2 Flag

Borrower 3 W2 Number of Months

Borrower 4 W2 Flag

Borrower 4 W2 Number of Months

Borrower 1 Personal Tax Return Flag

Borrower 1 Personal Tax Return Number of Months

Borrower 2 Personal Tax Return Flag

Borrower 2 Personal Tax Return Number of Months

Borrower 3 Personal Tax Return Flag

Borrower 3 Personal Tax Return Number of Months

Borrower 4 Personal Tax Return Flag

Borrower 4 Personal Tax Return Number of Months

Borrower 1 Business Tax Return Flag

Borrower 1 Business Tax Return Number of Months

Borrower 2 Business Tax Return Flag

Borrower 2 Business Tax Return Number of Months

Borrower 3 Business Tax Return Flag

Borrower 3 Business Tax Return Number of Months

Borrower 4 Business Tax Return Flag

Borrower 4 Business Tax Return Number of Months

Borrower 1 Verbal VOE Flag

Borrower 1 Verbal VOE Number of Months

Borrower 2 Verbal VOE Flag

Borrower 2 Verbal VOE Number of Months

Borrower 3 Verbal VOE Flag

Borrower 3 Verbal VOE Number of Months

Borrower 4 Verbal VOE Flag

Borrower 4 Verbal VOE Number of Months

Borrower 1 Written VOE Flag

Borrower 1 Written VOE Number of Months

Borrower 2 Written VOE Flag

Borrower 2 Written VOE Number of Months

Borrower 3 Written VOE Flag

Borrower 3 Written VOE Number of Months

Borrower 4 Written VOE Flag

Borrower 4 Written VOE Number of Months

Borrower 1 P&L Flag

Borrower 1 P&L Number of Months

Borrower 2 P&L Flag

Borrower 2 P&L Number of Months

Borrower 3 P&L Flag

Borrower 3 P&L Number of Months

Borrower 4 P&L Flag

Borrower 4 P&L Number of Months

Borrower 1 Lease Agreement Flag

Borrower 1 Lease Agreement Number of Months

Borrower 2 Lease Agreement Flag

Borrower 2 Lease Agreement Number of Months

Borrower 3 Lease Agreement Flag

Borrower 3 Lease Agreement Number of Months

Borrower 4 Lease Agreement Flag

Borrower 4 Lease Agreement Number of Months

Is the Loan a Short-Term Rental?

Equity Income Flag

Equity Income Amount

Equity Income Number of Months

DSCR with Rent Schedule Flag

DSCR with Rent Schedule Income Amount

DSCR with Lease Agreement Flag

DSCR with Lease Agreement Income Amount

DSCR %

Borrower 1 CPA Letter with Income Flag

Borrower 1 CPA Letter with Income Number of Months

Borrower 1 CPA Letter without Income Flag

Borrower 1 CPA Letter without Income Number of Months

Borrower 2 CPA Letter with Income Flag

Borrower 2 CPA Letter with Income Number of Months

Borrower 2 CPA Letter without Income Flag

Borrower 2 CPA Letter without Income Number of Months

Borrower 3 CPA Letter with Income Flag

Borrower 3 CPA Letter with Income Number of Months

Borrower 3 CPA Letter without Income Flag

Borrower 3 CPA Letter without Income Number of Months

Borrower 4 CPA Letter with Income Flag

Borrower 4 CPA Letter with Income Number of Months

Borrower 4 CPA Letter without Income Flag

Borrower 4 CPA Letter without Income Number of Months

Borrower 1 Personal Bank Statements Flag

Borrower 1 Personal Bank Statements Number of Months

Borrower 2 Personal Bank Statements Flag

Borrower 2 Personal Bank Statements Number of Months

Borrower 3 Personal Bank Statements Flag

Borrower 3 Personal Bank Statements Number of Months

Borrower 4 Personal Bank Statements Flag

Borrower 4 Personal Bank Statements Number of Months

Borrower 1 Business Bank Statements Flag

Borrower 1 Business Bank Statements Number of Months

Borrower 2 Business Bank Statements Flag

Borrower 2 Business Bank Statements Number of Months

Borrower 3 Business Bank Statements Flag

Borrower 3 Business Bank Statements Number of Months

Borrower 4 Business Bank Statements Flag

Borrower 4 Business Bank Statements Number of Months

Borrower 1 Award Letter Flag

Borrower 1 Award Letter Number of Months

Borrower 2 Award Letter Flag

Borrower 2 Award Letter Number of Months

Borrower 3 Award Letter Flag

Borrower 3 Award Letter Number of Months

Borrower 4 Award Letter Flag

Borrower 4 Award Letter Number of Months

Borrower 1 Offer Letter Flag

Borrower 1 Offer Letter Number of Months

Borrower 2 Offer Letter Flag

Borrower 2 Offer Letter Number of Months

Borrower 3 Offer Letter Flag

Borrower 3 Offer Letter Number of Months

Borrower 4 Offer Letter Flag

Borrower 4 Offer Letter Number of Months

Borrower 1 IRS Transcripts - Tax Returns Flag

Borrower 1 IRS Transcripts - Tax Returns Number of Months

Borrower 1 IRS Transcripts - W2s Flag

Borrower 1 IRS Transcripts - W2s Number of Months

Borrower 2 IRS Transcripts - Tax Returns Flag

Borrower 2 IRS Transcripts - Tax Returns Number of Months

Borrower 2 IRS Transcripts - W2s Flag

Borrower 2 IRS Transcripts - W2s Number of Months

Borrower 3 IRS Transcripts - Tax Returns Flag

Borrower 3 IRS Transcripts - Tax Returns Number of Months

Borrower 3 IRS Transcripts - W2s Flag

Borrower 3 IRS Transcripts - W2s Number of Months

Borrower 4 IRS Transcripts - Tax Returns Flag

Borrower 4 IRS Transcripts - Tax Returns Number of Months

Borrower 4 IRS Transcripts - W2s Flag

Borrower 4 IRS Transcripts - W2s Number of Months

Borrower 1 Income Doc Type Summary

Borrower 2 Income Doc Type Summary

Borrower 3 Income Doc Type Summary

Borrower 4 Income Doc Type Summary

1000800870

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.2449

Yes

Yes

0.315

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

11.38

11.66

1.38

11.66

11.66

11.66

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

1090300684

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.7170

Yes

Yes

1.915

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

19.73

19.73

19.73

19.73

19.73

19.73

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

55

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 55 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

1090300695

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

Yes

(No Data)

Purchase

No

No

No

No

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

8.1250

No

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

0

0

0

0

0

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

Yes

5280.00

No

(No Data)

1.0114

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

(No Data)

(No Data)

1090300703

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.4695

Yes

Yes

1.06

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

39.15

39.15

39.15

39.15

39.15

39.15

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

1090300722

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

8.0001

Yes

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

10.83

0

10.83

10.83

10.83

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

1090300740

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Rate and Term Refi

No

No

No

No

No

(No Data)

(No Data)

Yes

Yes

1

8.2113

No

No

3.151

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

43.6

43.5

43.6

43.5

43.5

43.5

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

1100501038

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption (APOR)

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.9145

No

No

2.716

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

47.21

47.29

47.21

43.53

43.53

47.29

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

32

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 32 months;

(No Data)

(No Data)

(No Data)

1100501061

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR-Attached

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.6388

Yes

Yes

0.613

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

35.5

35.61

35.5

31.67

31.67

35.61

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 24 months;

(No Data)

(No Data)

(No Data)

1100501068

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.4700

Yes

No

0.565

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

46.13

46.3

46.13

40.14

40.14

46.3

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

1100501083

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.6488

Yes

Yes

1.311

'-2.000

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

42.67

42.11

42.67

42.11

42.11

42.11

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

2000085624

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

SFR

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

Yes

(No Data)

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.7500

No

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

0

0

0

0

0

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

Yes

6000.00

No

(No Data)

1.1760

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

(No Data)

(No Data)

2000086313

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

7.5000

Yes

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

23.44

0

23.44

23.44

23.44

(No Data)

(No Data)

(No Data)

XXXXXX

Not Applicable

(No Data)

Not Applicable

(No Data)

No

No

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

24

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 24 months;

CPA Letter without Income - 24 months; P & L - 24 months;

(No Data)

(No Data)

2000087533

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.7139

Yes

Yes

1.951

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

24.29

24.18

24.29

24.18

24.18

24.18

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

120

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 120 months; P & L - 24 months;

(No Data)

(No Data)

(No Data)

2000088432

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.9006

Yes

Yes

2.885

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

41.08

41.21

41.08

37.53

37.53

41.21

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000088541

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

8.1146

Yes

Yes

3.248

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

14.88

14.88

14.88

14.88

14.88

14.88

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Business Bank Statements - 12 months; CPA Letter without Income - 24 months;

(No Data)

(No Data)

(No Data)

2000088779

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

Yes

No

Rate and Term Refi

No

No

No

No

No

(No Data)

(No Data)

Yes

Yes

1

8.8593

Yes

No

3.047

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

43.91

44.23

43.91

41.84

41.84

44.23

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

60

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 60 months; P & L - 24 months;

(No Data)

(No Data)

(No Data)

2000088993

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.5912

Yes

Yes

1.742

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

36.74

36.75

36.74

36.75

36.75

36.75

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

22

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 22 months;

(No Data)

(No Data)

(No Data)

2000089446

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

Yes

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.9820

Yes

Yes

1.997

Not Applicable

(No Data)

(No Data)

No

No

No

No

No

No

No

(No Data)

No

No

No

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

36.59

36.59

36.59

36.59

36.59

36.59

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 24 months;

(No Data)

(No Data)

(No Data)

2000089448

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

SFR

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

Yes

(No Data)

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.7500

No

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

36.53

0

36.53

36.53

36.53

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter with Income - 24 months; P & L - 24 months;

(No Data)

(No Data)

(No Data)

2000089697

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

Yes

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.8193

No

No

2.126

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

48.17

48.65

48.17

48.65

48.65

48.65

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

35

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 35 months;

(No Data)

(No Data)

(No Data)

2000090100

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.0819

No

No

1.206

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

45.77

48.01

45.77

48.01

48.01

48.01

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

23

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 23 months;

(No Data)

(No Data)

(No Data)

2000090124

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

Yes

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.7670

Yes

Yes

2.445

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

31.06

31.06

31.06

31.06

31.06

31.06

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

120

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Business Bank Statements - 12 months; CPA Letter without Income - 120 months;

(No Data)

(No Data)

(No Data)

2000090346

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.0203

Yes

Yes

2.385

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

39.35

39.35

39.35

39.35

39.35

39.35

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 24 months;

(No Data)

(No Data)

(No Data)

2000090366

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

SFR

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

Yes

(No Data)

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.6250

No

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

0

0

0

0

0

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

Yes

6800.00

No

(No Data)

1.0199

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

(No Data)

(No Data)

2000090436

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

7.8167

Yes

Yes

3.709

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

7.06

12.51

7.06

12.51

12.51

12.51

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Business Bank Statements - 12 months;

(No Data)

(No Data)

(No Data)

2000090444

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

Yes

No

Rate and Term Refi

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.5335

Yes

Yes

2.502

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

36.09

36.09

36.09

36.09

36.09

36.09

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

23

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 23 months;

(No Data)

(No Data)

(No Data)

2000090483

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

9.4523

Yes

Yes

1.31

'-1.000

(No Data)

(No Data)

No

No

No

No

No

No

No

(No Data)

No

No

No

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

36.86

36.87

36.86

36.87

36.87

36.87

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000090529

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Second Home

Attached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.4431

Yes

Yes

0.774

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

23.51

23.51

23.51

23.51

23.51

23.51

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

26

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 26 months;

(No Data)

(No Data)

(No Data)

2000090653

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

SFR

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

Yes

(No Data)

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

9.1250

No

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

0

0

0

0

0

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

Yes

2375.00

No

(No Data)

0.8543

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

(No Data)

(No Data)

2000090793

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

SFR

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

Yes

(No Data)

Cashout Refi

No

No

No

No

Yes

4% of Amt Prepd if amt prepd in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

9.5000

Yes

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

11.19

0

11.19

11.19

11.19

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

23

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 23 months;

(No Data)

(No Data)

(No Data)

2000090811

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.0001

No

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

0

0

0

0

0

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

Yes

2100.00

1.5494

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

DSCR - w/lease agreement - 0 months;

(No Data)

(No Data)

(No Data)

2000090831

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

Yes

No

No

No

(No Data)

(No Data)

No

No

1

8.7553

Yes

Yes

0.958

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

31.32

34.69

31.32

33.22

33.22

33.99

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

23

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

84

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 84 months; P & L - 23 months;

(No Data)

(No Data)

(No Data)

2000090855

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

Yes

(No Data)

Purchase

No

No

No

No

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

9.6250

Yes

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

37.02

0

37.02

37.02

37.02

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 24 months;

(No Data)

(No Data)

(No Data)

2000090881

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

Yes

No

No

No

(No Data)

(No Data)

No

Yes

1

8.5192

Yes

No

0

0.000

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

46.73

46.76

46.73

37.72

37.72

46.68

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

156

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 156 months; P & L - 24 months;

(No Data)

(No Data)

(No Data)

2000090882

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Cashout Refi

No

Yes

No

No

No

(No Data)

(No Data)

No

No

1

8.4544

Yes

Yes

0.896

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

5.89

5.9

5.89

4.66

4.66

5.64

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

348

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 348 months;

(No Data)

(No Data)

(No Data)

2000090921

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.6300

Yes

Yes

2.355

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

40.84

40.95

40.84

36.53

36.53

40.95

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

36

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 36 months;

(No Data)

(No Data)

(No Data)

2000090955

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

Yes

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

9.7526

Yes

Yes

4.389

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

27.79

27.79

27.79

27.79

27.79

27.79

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000090956

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

7.9582

Yes

Yes

3.687

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

42.02

42.02

42.02

42.02

42.02

42.02

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; Personal Bank Statements - 12 months;

(No Data)

(No Data)

(No Data)

2000090975

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.6139

Yes

Yes

1.806

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

32.04

32.04

32.04

32.04

32.04

32.04

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000090989

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Second Home

Detached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.2415

Yes

Yes

1.262

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

30.12

30.12

30.12

30.12

30.12

30.12

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000090991

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

7.3750

Yes

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

35.61

0

35.61

35.61

35.61

(No Data)

(No Data)

(No Data)

XXXXXX

Not Applicable

(No Data)

Not Applicable

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

36

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 36 months;

(No Data)

(No Data)

(No Data)

2000091019

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

Yes

(No Data)

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.8750

Yes

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

26.27

0

26.27

26.27

26.27

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091032

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

9.2217

Yes

No

1.765

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

43.17

43.35

43.17

41.45

41.45

43.35

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

33

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 33 months;

(No Data)

(No Data)

(No Data)

2000091077

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

8.2852

Yes

Yes

4.986

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

38.68

38.68

38.68

38.68

38.68

38.68

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

60

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 60 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091134

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

8.0845

Yes

Yes

3.051

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

36.38

36.38

36.38

36.38

36.38

36.38

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 24 months;

(No Data)

(No Data)

(No Data)

2000091161

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.8339

Yes

Yes

2.456

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

39.14

40.17

39.14

40.17

40.17

40.17

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091174

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption (APOR)

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.7712

Yes

Yes

2.23

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

22.12

22.12

22.12

22.12

22.12

22.12

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091189

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

9.4172

Yes

Yes

4.985

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

42.7

42.75

42.7

41.8

41.8

42.75

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091213

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.5310

Yes

Yes

1.133

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

39.31

39.47

39.31

34.48

34.48

39.47

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

96

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 96 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091228

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

7.6796

No

No

1.623

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

44.19

44.19

44.19

44.19

44.19

44.19

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

Yes

2

No

(No Data)

No

(No Data)

No

(No Data)

Yes

36

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months; Paystub - 2 months; W2 - 36 months;

(No Data)

(No Data)

(No Data)

2000091230

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Rate and Term Refi

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.1416

Yes

Yes

2.35

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

40.75

40.75

40.75

40.75

40.75

40.75

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

48

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 48 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091271

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.8907

Yes

Yes

2.849

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

39.51

39.51

39.51

39.51

39.51

39.51

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091324

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

SFR

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

Yes

(No Data)

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

9.1250

Yes

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

13.84

0

13.84

13.84

13.84

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091332

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

Yes

No

Rate and Term Refi

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.7837

No

No

2.485

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

48.6

48.6

48.6

48.6

48.6

48.6

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091355

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.5158

Yes

Yes

2.224

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

27.23

27.23

27.23

27.23

27.23

27.23

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

36

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 36 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091360

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

7.3750

Yes

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

29.58

0

29.58

29.58

29.58

(No Data)

(No Data)

(No Data)

XXXXXX

Not Applicable

(No Data)

Not Applicable

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

Written VOE - 25 months;

(No Data)

(No Data)

2000091373

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

8.3832

Yes

Yes

3.539

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

33.02

33.02

33.02

33.02

33.02

33.02

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

2000091375

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Attached PUD

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.2500

Yes

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

30.94

0

30.94

30.94

30.94

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 24 months;

(No Data)

(No Data)

(No Data)

2000091392

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

Yes

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.1020

Yes

Yes

2.13

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

29.62

29.63

29.62

29.63

29.63

29.63

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

60

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 60 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091394

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

7.8866

Yes

Yes

3.355

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

32.9

32.9

32.9

32.9

32.9

32.9

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

36

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 36 months;

(No Data)

(No Data)

(No Data)

2000091397

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

8.3450

Yes

Yes

3.093

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

38.04

38.04

38.04

38.04

38.04

38.04

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091401

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption (APOR)

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.1361

Yes

Yes

2.355

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

38.73

38.73

38.73

38.73

38.73

38.73

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

29

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 29 months;

(No Data)

(No Data)

(No Data)

2000091404

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR-Attached

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

9.2639

Yes

Yes

4.45

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

25.65

25.65

5.65

25.65

25.65

25.65

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091407

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

8.4434

Yes

Yes

3.164

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

41.16

41.16

41.16

41.16

41.16

41.16

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

36

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 36 months;

(No Data)

(No Data)

(No Data)

2000091414

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

SFR

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

Yes

(No Data)

Cashout Refi

No

No

No

No

Yes

4% of Amt Prepd if amt prepd in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

9.0920

Yes

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

37.24

0

37.24

37.24

37.44

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

36

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 36 months;

(No Data)

(No Data)

(No Data)

2000091415

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Cashout Refi

No

No

No

No

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

7.5000

Yes

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

40.4

0

40.4

40.4

40.4

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

34

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 34 months;

(No Data)

(No Data)

(No Data)

2000091434

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.1564

No

No

2.505

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

49.35

49.6

49.35

49.6

49.6

49.6

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Business Bank Statements - 12 months; CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091441

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.8379

No

No

2.832

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

46.3

46.3

46.3

46.3

46.3

46.3

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

60

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 60 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091454

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

SFR

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

Yes

(No Data)

Cashout Refi

No

No

No

No

Yes

4% of Amt Prepd if amt prepd in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

9.0000

Yes

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

24.25

0

24.25

24.25

24.25

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

36

No

(No Data)

Yes

36

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Business Bank Statements - 12 months; CPA Letter without Income - 36 months;

Business Bank Statements - 12 months; CPA Letter without Income - 36 months;

(No Data)

(No Data)

2000091455

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.0881

No

No

3.299

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

48.58

48.58

48.58

48.58

48.58

48.58

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

2000091465

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

9.1429

Yes

Yes

2.002

Not Applicable

(No Data)

(No Data)

No

No

No

No

No

No

No

(No Data)

No

No

No

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

38.61

38.61

38.61

38.61

38.61

38.61

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 24 months;

(No Data)

(No Data)

(No Data)

2000091473

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.7886

Yes

Yes

2.398

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

25.73

27.87

25.73

27.87

27.87

27.87

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

2000091475

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

9.4551

No

No

2.512

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

48.01

48.01

48.01

48.01

48.01

48.01

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091476

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

8.1719

Yes

Yes

3.236

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

17.07

17.07

17.07

17.07

17.07

17.07

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091478

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

8.0978

Yes

Yes

4.005

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

34.1

34.1

34.1

34.1

34.1

34.1

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091485

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

9.0699

Yes

No

2.573

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

45.09

42.51

45.09

40.07

40.07

42.51

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

31

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 31 months;

(No Data)

(No Data)

(No Data)

2000091499

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

7.6250

Yes

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

22.35

0

22.35

22.35

22.35

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

108

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 108 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091501

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

Yes

1

8.3466

No

No

3.582

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

48.15

48.15

48.15

48.15

48.15

48.15

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Business Bank Statements - 12 months; CPA Letter without Income - 24 months;

(No Data)

(No Data)

(No Data)

2000091504

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

Yes

4% of Amt Prepd if amt prepd in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

7.6250

Yes

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

33.22

0

33.22

33.22

33.22

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091505

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

9.9347

Yes

Yes

4.097

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

25.79

25.28

25.79

25.28

25.28

25.28

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Business Bank Statements - 12 months; CPA Letter with Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091506

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

Yes

(No Data)

Cashout Refi

No

No

No

No

Yes

4% of Amt Prepd if amt prepd in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

8.1250

Yes

No

3.2

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

28.55

0

28.55

28.55

28.55

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Business Bank Statements - 12 months; CPA Letter without Income - 24 months;

(No Data)

(No Data)

(No Data)

2000091508

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.4049

Yes

Yes

1.209

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

30.2

30.8

30.2

30.8

30.8

30.8

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Business Bank Statements - 12 months; CPA Letter without Income - 24 months;

(No Data)

(No Data)

(No Data)

2000091515

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

7.4180

No

No

1.476

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

48.49

48.99

48.49

48.99

48.99

48.99

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

48

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 48 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091519

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

7.4993

No

No

0.243

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

45.16

46.31

45.16

46.31

46.31

46.31

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091534

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

6.8750

Yes

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

19.59

0

19.59

19.58

19.59

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091537

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

8.6113

Yes

Yes

4.626

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

42.16

42.16

42.16

42.16

42.16

42.16

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

36

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Business Bank Statements - 12 months; CPA Letter without Income - 36 months;

(No Data)

(No Data)

(No Data)

2000091552

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.0719

Yes

Yes

2.811

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

32.01

32.01

32.01

32.01

32.01

32.01

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

2000091558

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Rate and Term Refi

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.5114

Yes

Yes

2.404

0.233

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

26.3

26.3

26.26

26.3

26.3

26.3

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

26

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 26 months;

(No Data)

(No Data)

(No Data)

2000091561

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Cashout Refi

No

Yes

No

No

Yes

4% of Amt Prepd if amt prepd in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

8.5613

No

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

43.65

0

43.65

43.65

44.78

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091568

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

8.0366

Yes

Yes

3.063

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

33.16

33.16

33.16

33.16

33.16

33.16

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

36

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

72

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 72 months; P & L - 12 months;

Written VOE - 36 months;

(No Data)

(No Data)

2000091584

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.7313

No

No

0.169

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

47.32

47.32

47.32

47.32

47.32

47.32

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091586

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

8.4770

Yes

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

29.1

0

29.1

29.1

34

(No Data)

(No Data)

(No Data)

XXXXXX

Not Applicable

(No Data)

Not Applicable

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

28

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 28 months;

(No Data)

(No Data)

(No Data)

2000091603

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

8.3893

Yes

Yes

4.796

0.000

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

35.65

35.67

35.65

35.67

35.67

35.67

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Business Bank Statements - 24 months; CPA Letter without Income - 24 months;

(No Data)

(No Data)

(No Data)

2000091605

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.1811

No

No

2.633

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

43.38

43.38

43.38

43.38

43.38

43.38

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

2000091626

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

8.0867

Yes

Yes

3.264

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

39.49

39.49

39.49

39.49

39.49

39.49

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091629

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.6107

Yes

Yes

2.543

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

28.18

28.18

28.18

28.18

28.18

28.18

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091632

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

10.1066

Yes

Yes

4.985

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

36.14

36.14

36.14

36.14

36.14

36.15

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

2000091635

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Rate and Term Refi

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.8483

Yes

Yes

2.865

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

40.33

40.33

40.33

40.33

40.33

40.33

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

31

Yes

28

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 31 months;

Written VOE - 28 months;

(No Data)

(No Data)

2000091643

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

High Rise Condo (9+)

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.6788

Yes

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

39.67

0

39.67

39.67

41.5

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091645

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

Yes

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.6868

Yes

Yes

1.779

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

32.82

32.89

32.82

29.28

29.28

32.89

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091653

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.7329

No

No

2.822

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

43.26

43.26

43.26

43.26

43.26

43.26

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 24 months;

(No Data)

(No Data)

(No Data)

2000091669

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

Yes

No

Rate and Term Refi

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.6366

Yes

Yes

2.379

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

40.88

40.88

40.88

40.88

40.88

40.88

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

60

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 60 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091682

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

7.9340

Yes

Yes

3.712

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

26.71

26.71

26.71

26.71

26.71

26.71

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

30

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 30 months;

(No Data)

(No Data)

(No Data)

2000091685

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Rate and Term Refi

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.4240

Yes

Yes

0.358

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

21.3

21.3

21.3

21.3

21.3

21.3

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

36

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 36 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091703

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

Yes

(No Data)

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.5000

Yes

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

27.44

0

27.44

27.44

27.44

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Business Bank Statements - 12 months; CPA Letter without Income - 24 months;

(No Data)

(No Data)

(No Data)

2000091707

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.6659

Yes

Yes

2.579

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

40.11

40.13

40.11

40.13

40.13

40.13

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

2000091713

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.0069

Yes

Yes

1.812

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

39

39

39

39

39

39

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091715

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption (APOR)

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.2052

No

No

1.471

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

48.34

48.34

48.34

48.34

48.34

48.34

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

36

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 36 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091720

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption (APOR)

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.5558

Yes

Yes

1.475

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

34.41

34.41

34.41

34.41

34.41

34.41

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091722

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.6204

Yes

Yes

2.192

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

9.18

8.07

9.18

8.07

8.07

8.07

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

132

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Business Bank Statements - 12 months; CPA Letter without Income - 132 months;

(No Data)

(No Data)

(No Data)

2000091728

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption (APOR)

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.0599

Yes

Yes

2.804

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

42.46

42.46

42.46

42.46

42.46

42.46

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

30

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 30 months;

(No Data)

(No Data)

(No Data)

2000091730

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

SFR

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

Yes

(No Data)

Purchase

No

No

No

No

Yes

4% of Amt Prepd if amt prepd in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

8.6250

Yes

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

25.7

0

25.7

25.7

25.7

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Business Bank Statements - 12 months; CPA Letter without Income - 24 months;

(No Data)

(No Data)

(No Data)

2000091731

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

10.4070

No

No

1.772

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

47.95

47.95

47.95

47.95

47.95

47.95

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months; Personal Bank Statements - 12 months;

(No Data)

(No Data)

(No Data)

2000091736

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.0900

Yes

Yes

1.983

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

36.5

36.5

36.5

36.5

36.5

36.5

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

Yes

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

72

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Business Bank Statements - 12 months; CPA Letter without Income - 72 months;

(No Data)

(No Data)

(No Data)

2000091739

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

Yes

No

Rate and Term Refi

No

No

No

No

No

(No Data)

(No Data)

Yes

Yes

1

8.4925

No

No

3.944

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

45.08

45.08

45.08

45.08

45.08

45.08

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

36

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 36 months;

(No Data)

(No Data)

(No Data)

2000091750

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.5617

Yes

Yes

2.554

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

19.75

19.75

19.75

19.75

19.75

19.75

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091754

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

7.9028

No

No

1.25

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

44.25

44.25

44.25

44.25

44.25

44.25

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

36

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 36 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091780

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Attached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.7710

Yes

Yes

3.592

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

31.07

31.07

31.07

31.07

31.07

31.07

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091793

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

Yes

(No Data)

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

9.5000

Yes

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

32.96

0

32.96

32.96

32.96

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091799

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Second Home

Attached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

8.4244

Yes

Yes

4.971

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

17.86

17.86

17.86

17.86

17.86

17.86

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091824

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

SFR

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

Yes

(No Data)

Purchase

No

No

No

No

Yes

4% of Amt Prepd if amt prepd in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

8.2500

Yes

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

41.06

0

41.06

41.06

41.06

(No Data)

(No Data)

(No Data)

XXXXXX

Not Applicable

(No Data)

Not Applicable

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

120

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 120 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091833

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

9.0168

Yes

No

0.943

0.000

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

43.87

43.93

43.87

42.53

42.53

43.93

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091847

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

Yes

1

9.7500

No

No

3.961

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

43.5

43.5

43.5

43.5

43.5

43.5

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

2000091862

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

7.7501

No

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

0

0

0

0

0

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

Yes

2750.00

No

(No Data)

1.2721

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

(No Data)

(No Data)

2000091867

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.9364

Yes

Yes

2.333

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

40.14

40.18

40.14

40.18

40.18

40.18

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 24 months;

(No Data)

(No Data)

(No Data)

2000091869

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

1

Conventional

No

No

No

No

(No Data)

No

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

Yes

Yes

1

7.8557

No

No

3.268

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

48.96

48.48

48.96

48.48

48.48

48.48

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 24 months;

(No Data)

(No Data)

(No Data)

2000091878

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

Yes

1

8.0895

No

No

4.012

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

48.76

48.74

48.76

48.74

48.74

48.74

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091892

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

Yes

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

9.3471

Yes

Yes

3.853

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

25.67

25.71

25.67

25.71

25.71

25.71

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Business Bank Statements - 12 months;

(No Data)

(No Data)

(No Data)

2000091899

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Rebuttable Presumption

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.7102

Yes

No

2.588

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

48.69

48.87

48.69

41.46

41.46

48.87

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

Yes

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 24 months;

(No Data)

(No Data)

(No Data)

2000091902

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Mid Rise Condo  (5-8)

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.1250

Yes

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

3.41

0

3.41

3.4

3.41

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Business Bank Statements - 12 months; CPA Letter without Income - 24 months;

(No Data)

(No Data)

(No Data)

2000091906

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

Attached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.2481

Yes

Yes

1.95

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

27.73

27.73

27.73

27.73

27.73

27.73

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091915

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

SFR

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.1250

Yes

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

2.98

0

2.98

2.98

2.98

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091949

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

Yes

(No Data)

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.5000

Yes

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

4.85

0

4.85

4.85

4.85

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Business Bank Statements - 12 months; CPA Letter without Income - 24 months;

(No Data)

(No Data)

(No Data)

2000091952

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

SFR

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.0001

Yes

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

5.77

0

5.77

5.77

5.77

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Business Bank Statements - 12 months; CPA Letter without Income - 24 months;

(No Data)

(No Data)

(No Data)

2000091953

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

Yes

(No Data)

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.5000

Yes

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

5.76

0

5.76

5.76

5.76

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Personal Bank Statements - 12 months;

(No Data)

(No Data)

(No Data)

2000091956

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

8.1043

Yes

Yes

3.268

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

23.93

23.93

23.93

23.93

23.93

23.93

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

2000091971

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.7463

No

No

2.95

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

46.52

46.52

46.52

46.52

46.52

46.52

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

2000091975

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.0979

No

No

1.809

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

45.36

45.36

45.36

45.36

45.36

45.36

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

84

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 24 months;

CPA Letter without Income - 84 months; P & L - 12 months;

(No Data)

(No Data)

2000091981

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

7.8838

Yes

Yes

3.196

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

40.07

40.07

40.07

40.07

40.07

40.07

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

204

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 204 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091982

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.6719

Yes

Yes

0.42

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

42.76

42.77

42.76

42.77

42.77

42.77

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000091984

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.9477

No

No

1.561

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

45.45

44.95

45.45

44.95

44.95

44.95

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 24 months;

(No Data)

(No Data)

(No Data)

2000091987

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

Yes

No

Rate and Term Refi

No

No

No

No

No

(No Data)

(No Data)

No

No

1

9.0945

Yes

Yes

2.816

Not Applicable

(No Data)

(No Data)

No

No

No

No

Yes

Yes

Yes

(No Data)

Yes

Yes

No

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

31.54

31.54

31.54

31.54

31.54

31.54

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

60

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Business Bank Statements - 12 months; CPA Letter without Income - 60 months;

(No Data)

(No Data)

(No Data)

2000092001

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Second Home

Detached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

Yes

1

9.4472

No

No

3.758

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

44.29

44.29

44.29

44.29

44.29

44.29

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Business Bank Statements - 12 months; CPA Letter without Income - 24 months;

(No Data)

(No Data)

(No Data)

2000092043

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

Yes

1

8.6119

No

No

3.784

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

46.56

46.56

46.56

46.56

46.56

46.56

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

2000092053

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Rate and Term Refi

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

7.6690

No

Yes

1.556

0.243

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

42.26

44.24

42.26

44.24

44.24

44.24

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 24 months;

(No Data)

(No Data)

(No Data)

2000092066

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

7.5000

Yes

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

14.33

0

14.33

14.33

14.33

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092074

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

3 Family

3

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

Yes

1

7.7052

No

No

3.321

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

48.9

49

48.9

49

49

49

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

120

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 120 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092081

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

8.2658

Yes

Yes

3.051

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

41.4

41.34

41.34

41.34

41.34

41.34

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

84

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 84 months;

(No Data)

(No Data)

(No Data)

2000092083

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

7.5000

Yes

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

36.78

0

36.78

36.78

36.78

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

48

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 48 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092096

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

2 Family

2

Conventional

No

No

No

No

(No Data)

No

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

7.6053

Yes

Yes

3.18

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

19.74

19.74

19.74

19.74

19.74

19.74

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

60

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 60 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092102

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

2 Family

2

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

Yes

1

8.0845

No

No

3.117

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

47.83

47.83

47.83

47.83

47.83

47.83

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

26

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 26 months;

(No Data)

(No Data)

(No Data)

2000092104

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.1782

Yes

Yes

2.777

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

36.35

39.27

36.35

39.27

39.27

39.27

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

Written VOE - 25 months;

(No Data)

(No Data)

2000092106

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.1166

No

No

2.484

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

47.32

47.32

47.32

47.32

47.32

47.32

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

2000092107

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

8.0001

Yes

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

37.21

0

37.21

37.21

37.21

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092109

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

Yes

No

No

No

(No Data)

(No Data)

No

Yes

1

8.8474

Yes

No

1.695

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

48.95

49.08

48.95

40.43

40.43

46.98

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092116

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Attached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.6621

Yes

Yes

2.217

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

29.32

29.32

29.32

29.32

29.32

29.32

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

26

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 26 months;

(No Data)

(No Data)

(No Data)

2000092117

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

7.9117

Yes

Yes

3.197

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

35.66

35.66

35.66

35.66

35.66

35.66

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092121

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

7.5367

No

No

1.304

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

44.05

44.04

44.05

44.04

44.04

44.04

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

31

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 31 months;

(No Data)

(No Data)

(No Data)

2000092123

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

Yes

Yes

1

8.7774

No

No

3.544

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

47.72

47.72

47.72

47.72

47.72

47.72

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

36

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 36 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092127

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

9.2627

Yes

Yes

0.112

Not Applicable

(No Data)

(No Data)

No

No

No

No

Yes

Yes

Yes

(No Data)

Yes

Yes

No

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

34.31

34.31

34.31

34.31

34.31

34.31

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

100

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 100 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092137

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Second Home

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

Yes

1

7.8171

No

No

3.436

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

43.8

44.58

43.8

44.58

44.58

44.58

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 24 months;

(No Data)

(No Data)

(No Data)

2000092143

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

SFR

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

Yes

4% of Amt Prepd if amt prepd in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

7.7501

No

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

0

0

0

0

0

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

Yes

1825.00

No

(No Data)

1.0631

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

(No Data)

(No Data)

2000092169

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

SFR

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

7.6250

Yes

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

32.32

0

32.32

32.32

32.32

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Business Bank Statements - 12 months; CPA Letter without Income - 24 months;

(No Data)

(No Data)

(No Data)

2000092174

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Rate and Term Refi

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.8776

Yes

Yes

0

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

37.88

37.88

37.88

37.88

37.88

37.88

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

Written VOE - 25 months;

(No Data)

(No Data)

2000092177

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.2901

Yes

Yes

2.611

0.000

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

32.85

32.85

32.85

32.85

32.85

32.85

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 24 months;

(No Data)

(No Data)

(No Data)

2000092185

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

Yes

1

7.5759

No

No

3.035

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

44.84

44.84

44.84

44.84

44.84

44.84

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

29

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 29 months;

(No Data)

(No Data)

(No Data)

2000092189

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.8656

Yes

Yes

0.127

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

40.11

40.11

40.11

40.11

40.11

40.11

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Award Letter - 12 months; CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092190

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.3501

No

No

1.754

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

48.37

48.37

48.37

48.37

48.37

48.37

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

2000092196

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

9.5340

Yes

Yes

3.6

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

22.43

22.43

22.43

22.43

22.43

22.43

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

60

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 60 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092197

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

7.5062

No

No

0.903

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

43.76

43.76

43.76

43.76

43.76

43.76

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

2000092217

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR-Attached

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

9.0578

Yes

Yes

4.955

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

35.25

35.24

35.25

35.24

35.24

35.24

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092222

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.9714

Yes

Yes

0.867

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

36.36

36.36

36.36

36.36

36.36

36.36

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092244

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.2290

Yes

Yes

2.057

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

32.29

32.29

32.29

32.29

32.29

32.29

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092245

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

1

Conventional

No

No

No

No

(No Data)

No

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

8.0194

Yes

Yes

3.46

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

28.74

28.74

28.74

28.74

28.74

28.74

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092291

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

SFR

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

Yes

4% of Amt Prepd if amt prepd in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

6.8750

Yes

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

17.28

0

17.28

17.28

17.28

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Business Bank Statements - 12 months; CPA Letter without Income - 24 months;

(No Data)

(No Data)

(No Data)

2000092303

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

8.7300

Yes

Yes

4.872

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

23.45

23.45

23.45

23.45

23.45

23.45

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

36

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 36 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092306

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

7.7997

No

No

1.633

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

48.71

48.71

48.71

48.71

48.71

48.71

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

27

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 27 months;

(No Data)

(No Data)

(No Data)

2000092308

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

8.6977

Yes

Yes

3.366

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

41.71

41.71

41.71

41.71

41.71

41.71

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

2000092315

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

SFR

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

7.6250

No

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

0

0

0

0

0

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

Yes

2900.00

No

(No Data)

1.0043

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

(No Data)

(No Data)

2000092317

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.1016

Yes

Yes

2.622

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

41.59

41.59

41.59

41.59

41.59

41.59

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092321

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

7.7623

Yes

Yes

3.675

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

33.23

31.17

33.28

31.17

31.17

31.17

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092323

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

Yes

1

7.6193

No

No

3.473

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

43.27

43.27

43.27

43.27

43.27

43.27

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

1099 - 24 months; CPA Letter without Income - 24 months;

(No Data)

(No Data)

(No Data)

2000092325

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

7.6250

Yes

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

5.86

0

5.86

5.86

5.86

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

2000092330

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

7.5537

No

No

2.76

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

47.53

47.53

47.53

47.53

47.53

47.53

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

2000092339

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

8.7980

Yes

Yes

3.17

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

40.24

40.24

40.24

40.24

40.24

40.24

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092357

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

Yes

1

8.3962

No

No

4.769

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

48.78

48.78

48.78

48.78

48.78

48.78

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092359

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.9719

Yes

Yes

0.529

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

37.25

37.25

37.25

37.25

37.25

37.25

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

2000092376

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.1843

Yes

Yes

2.491

0.000

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

42.66

42.66

42.66

42.66

42.66

42.66

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

36

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 36 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092381

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.5483

Yes

Yes

2.608

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

33.5

33.63

33.5

29.33

29.33

33.63

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

2000092383

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.7750

Yes

Yes

2.82

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

37.03

36.96

37.03

36.96

36.96

36.96

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092387

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.5682

No

No

2.451

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

48.51

48.52

48.51

48.52

48.52

48.52

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

27

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 27 months;

(No Data)

(No Data)

(No Data)

2000092397

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.9537

Yes

Yes

2.877

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

40.96

40.96

40.96

40.96

40.96

40.96

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

26

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 26 months;

(No Data)

(No Data)

(No Data)

2000092398

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.9304

Yes

Yes

2.839

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

28.55

28.53

28.55

28.53

28.53

28.53

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092402

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.8527

Yes

Yes

2.069

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

32.62

32.61

32.62

32.61

32.61

32.61

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

2000092403

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

7.9674

No

No

1.947

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

48.76

48.77

48.76

48.77

48.77

48.77

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

2000092417

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.0431

No

No

2.663

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

45.14

45.14

45.14

45.14

45.14

45.14

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

2000092432

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.4269

Yes

Yes

1.696

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

37.63

37.64

37.63

37.64

37.64

37.64

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

180

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 180 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092435

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

Yes

1

8.8204

No

No

3.486

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

49.76

49.76

49.76

49.76

49.76

49.76

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

3

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Personal Bank Statements - 3 months;

(No Data)

(No Data)

(No Data)

2000092447

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.4032

Yes

Yes

0

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

17.45

17.51

17.45

15.54

15.54

17.51

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

42

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 42 months;

(No Data)

(No Data)

(No Data)

2000092459

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

7.5923

Yes

Yes

3.706

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

21.16

21.16

21.16

21.16

21.16

21.16

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

48

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 48 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092462

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

High Rise Condo (9+)

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

7.5000

Yes

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

29.36

0

29.36

29.36

29.36

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

2000092464

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

8.8625

Yes

Yes

4.397

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

18.7

18.53

18.7

18.53

18.53

18.53

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092473

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

7.5529

Yes

Yes

3.597

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

39.99

39.98

39.99

39.98

39.98

39.98

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092483

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.8294

Yes

Yes

2.894

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

33.03

33.03

33.03

33.03

33.03

33.03

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

72

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 72 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092490

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Mid Rise Condo  (5-8)

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

7.3750

Yes

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

42.53

0

42.53

42.53

42.53

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

Yes

1

No

(No Data)

No

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Paystub - 1 months; W2 - 24 months;

(No Data)

(No Data)

(No Data)

2000092494

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

Yes

1

7.7182

No

No

3.356

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

44.22

44.22

44.22

44.22

44.22

44.22

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

46

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 46 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092495

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

SFR

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

7.1251

Yes

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

37.04

0

37.04

37.04

37.04

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Business Bank Statements - 12 months; CPA Letter without Income - 12 months;

(No Data)

(No Data)

(No Data)

2000092531

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.0732

No

No

1.903

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

45.72

45.72

45.72

45.72

45.72

45.72

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

2000092548

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

Yes

Yes

1

8.2646

No

No

4.584

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

46.29

46.29

46.29

46.29

46.29

46.29

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092554

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

7.3750

Yes

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

38.3

0

38.3

38.3

38.3

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 24 months;

(No Data)

(No Data)

(No Data)

2000092556

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

SFR

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Cashout Refi

No

No

No

No

Yes

4% of Amt Prepd if amt prepd in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

7.6250

No

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

45.49

0

45.49

45.49

45.49

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092563

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

8.1084

Yes

Yes

4.226

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

20.97

20.97

20.97

20.97

20.97

20.97

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092566

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

1

Conventional

No

No

No

No

(No Data)

No

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.0317

Yes

Yes

2.441

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

15.67

15.71

15.67

15.71

15.71

15.71

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092577

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

7.8793

No

No

0.972

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

48.67

48.39

48.67

48.39

48.39

48.39

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

60

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 60 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092583

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.6397

Yes

Yes

2.176

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

19.05

31.45

19.05

31.45

31.45

31.45

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

60

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 60 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092585

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.0275

Yes

Yes

2.208

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

15.69

15.69

15.69

15.69

15.69

15.69

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

14

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter with Income - 24 months; P & L - 14 months;

(No Data)

(No Data)

(No Data)

2000092589

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

7.8751

Yes

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

3.8

0

3.8

3.8

3.8

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092604

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.6263

Yes

Yes

4.395

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

41.44

41.5

41.44

39.22

39.22

41.5

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

2000092607

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.7028

Yes

Yes

2.78

0.000

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

34.83

34.83

34.83

34.83

34.83

34.83

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092616

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.6678

Yes

Yes

2.54

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

40

40.01

40

40.01

40.01

40.01

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

2000092620

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

SFR

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.2500

No

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

47.77

0

47.77

47.77

47.77

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092623

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.6224

Yes

Yes

1.121

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

18.51

18.51

18.51

18.51

18.51

18.51

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

36

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Business Bank Statements - 12 months; CPA Letter without Income - 36 months;

(No Data)

(No Data)

(No Data)

2000092637

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.0001

Yes

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

39.65

0

39.65

39.65

39.65

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 24 months;

(No Data)

(No Data)

(No Data)

2000092644

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

7.9535

Yes

Yes

3.117

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

19.94

19.94

19.94

19.94

19.94

19.94

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092653

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.4876

Yes

Yes

2.159

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

39.47

39.47

39.47

39.47

39.47

39.47

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

Yes

1

No

(No Data)

No

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Paystub - 1 months; W2 - 24 months;

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

2000092660

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.0736

Yes

Yes

1.551

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

37.13

37.14

37.13

37.14

37.14

37.14

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092661

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.9946

Yes

Yes

1.139

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

42.3

42.3

42.3

42.3

42.3

42.3

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092676

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.0239

Yes

Yes

2.239

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

39.73

39.73

39.73

39.73

39.73

39.73

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

60

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Business Bank Statements - 12 months; CPA Letter without Income - 60 months; Personal Bank Statements - 12 months;

(No Data)

(No Data)

(No Data)

2000092679

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

7.7135

Yes

Yes

3.067

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

42.95

42.95

42.95

42.95

42.95

42.95

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

13

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 13 months;

(No Data)

(No Data)

(No Data)

2000092690

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.5860

Yes

Yes

1.949

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

33.61

33.61

33.61

33.61

33.61

33.61

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

2000092691

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Second Home

Detached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

9.0457

Yes

Yes

1.749

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

38.59

38.35

38.59

38.35

38.35

39.61

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 24 months;

(No Data)

(No Data)

(No Data)

2000092707

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.6746

Yes

Yes

1.355

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

27.77

27.77

27.77

27.77

27.77

27.77

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092712

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Rate and Term Refi

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.3524

Yes

Yes

1.747

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

21.8

21.8

21.8

21.8

21.8

21.8

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092722

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

SFR

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

Yes

(No Data)

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.3750

No

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

0

0

0

0

0

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

Yes

1700.00

No

(No Data)

1.0427

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

(No Data)

(No Data)

2000092728

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

SFR

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Rate and Term Refi

No

No

No

No

Yes

4% of Amt Prepd if amt prepd in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

8.5439

Yes

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

31.39

0

31.39

31.39

36.38

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

2000092746

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

9.3148

Yes

Yes

3.496

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

37.03

37.03

37.03

37.03

37.03

37.03

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

60

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 60 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092761

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.1483

Yes

Yes

2.068

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

35.72

35.72

35.72

35.72

35.72

35.72

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092766

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.9123

Yes

Yes

2.638

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

34.94

34.94

34.94

34.94

34.94

34.94

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

84

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 84 months; P & L - 24 months;

(No Data)

(No Data)

(No Data)

2000092767

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.8338

Yes

Yes

2.989

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

40.85

40.8

40.85

40.8

40.8

40.8

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092780

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.9507

Yes

Yes

1.868

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

41.61

41.41

41.61

41.41

41.41

41.41

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

26

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 26 months;

(No Data)

(No Data)

(No Data)

2000092781

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

SFR

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.2782

No

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

46.38

0

46.38

46.38

46.86

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

13

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 13 months;

(No Data)

(No Data)

(No Data)

2000092783

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

7.5568

No

No

2.278

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

43.48

43.48

43.48

43.48

43.48

43.48

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092821

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.9946

Yes

Yes

2.945

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

42.93

42.93

42.93

42.93

42.93

42.93

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 25 months;

(No Data)

(No Data)

(No Data)

2000092823

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

Attached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.7724

Yes

Yes

2.092

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

24.84

24.85

24.84

24.85

24.85

24.85

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 25 months;

(No Data)

(No Data)

(No Data)

2000092836

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.5625

Yes

Yes

1.43

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

24.38

24.38

24.38

24.38

24.38

24.38

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092853

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

7.8120

No

No

1.395

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

44.23

44.23

44.23

44.23

44.23

44.23

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

2000092856

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

7.2500

No

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

44

0

44

44

44

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Business Bank Statements - 12 months; CPA Letter without Income - 24 months;

(No Data)

(No Data)

(No Data)

2000092872

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.2850

Yes

Yes

1.262

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

41.96

41.47

41.96

41.47

41.47

41.47

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

26

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 26 months;

(No Data)

(No Data)

(No Data)

2000092885

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

7.8751

Yes

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

16.06

0

16.06

16.06

16.06

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

2000092894

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.4250

Yes

Yes

2.67

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

33.05

33.04

33.05

33.04

33.04

33.04

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092896

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.6620

Yes

Yes

2.535

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

14.23

14.23

14.23

14.23

14.23

14.23

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

60

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 60 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092900

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

SFR

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Rate and Term Refi

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

7.5000

Yes

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

41.31

0

41.31

41.31

41.31

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092902

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

7.7328

Yes

Yes

3.376

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

19.26

19.27

19.26

19.27

19.27

19.27

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092906

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.5600

Yes

Yes

1.583

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

34.56

34.69

34.56

31.02

31.02

34.69

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

Written VOE - 25 months;

(No Data)

(No Data)

2000092919

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.0540

No

No

1.573

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

46.82

46.82

46.82

46.82

46.82

46.82

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

2000092925

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.0001

No

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

0

0

0

0

0

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

Yes

2450.00

No

(No Data)

1.0348

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

DSCR - w/rent schedule - 0 months;

DSCR - w/rent schedule - 0 months;

(No Data)

(No Data)

2000092938

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.4469

Yes

Yes

0.363

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

26.61

26.61

26.61

26.61

26.61

26.61

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092940

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

Yes

3% of Amt PPD if Amt PPD in 12 months  is > 20% of OPB

(No Data)

No

Yes

1

8.1250

No

No

3

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

0

0

0

0

0

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

Yes

1700.00

No

(No Data)

1.0213

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

(No Data)

(No Data)

2000092945

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.6903

Yes

Yes

1.69

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

21.41

21.41

21.41

21.41

21.41

21.41

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

72

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 72 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092948

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.6205

Yes

Yes

1.187

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

36.36

36.36

36.36

36.36

36.36

36.36

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

26

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months; Written VOE - 26 months;

(No Data)

(No Data)

(No Data)

2000092949

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.2849

Yes

Yes

1.524

0.000

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

38

38

38

38

38

38

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 24 months;

(No Data)

(No Data)

(No Data)

2000092957

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.7765

Yes

Yes

2.584

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

24.95

27.33

24.95

27.33

27.33

27.33

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 24 months;

(No Data)

(No Data)

(No Data)

2000092963

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

7.5000

No

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

45.63

0

45.63

45.63

45.63

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

60

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 60 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092967

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.8828

Yes

Yes

1.151

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

36.63

36.35

36.63

36.35

36.35

36.35

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

60

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 60 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000092976

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Second Home

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.6274

Yes

Yes

2.321

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

35.99

35.99

35.99

35.99

35.99

35.99

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

Business Bank Statements - 12 months; CPA Letter without Income - 24 months;

(No Data)

(No Data)

2000092977

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.5032

Yes

Yes

1.272

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

40.09

40.09

40.09

40.09

40.09

40.09

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000093011

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

SFR

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

7.2500

No

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

0

0

0

0

0

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

Yes

1800.00

No

(No Data)

1.1144

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

(No Data)

(No Data)

2000093012

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Cashout Refi

No

No

No

No

Yes

4% of Amt Prepd if amt prepd in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

7.8751

No

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

49.77

0

49.77

49.77

49.77

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

180

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Business Bank Statements - 12 months; CPA Letter without Income - 180 months;

(No Data)

(No Data)

(No Data)

2000093016

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

7.9935

Yes

Yes

4.618

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

38.56

38.56

38.56

38.56

38.56

38.56

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

Written VOE - 24 months;

(No Data)

(No Data)

2000093019

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR-Attached

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.5214

Yes

Yes

0.752

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

37.94

38.12

37.94

38.12

38.12

38.12

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000093024

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.4462

Yes

No

0.975

0.000

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

48.49

46.58

48.49

41.26

41.26

46.58

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000093035

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

Yes

No

No

No

(No Data)

(No Data)

No

Yes

1

8.5346

Yes

No

0.67

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

43.72

45.11

43.72

37.39

37.39

43.47

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000093048

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

8.6692

Yes

Yes

3.662

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

37.28

40.62

37.28

40.62

40.62

40.62

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

14

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 14 months;

(No Data)

(No Data)

(No Data)

2000093051

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

SFR

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

7.2500

Yes

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

42.74

0

42.74

42.74

42.74

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000093052

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Second Home

Low Rise Condo (1-4)

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

Yes

1

8.6282

No

No

3.318

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

46

45.71

46

45.71

45.71

45.71

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000093058

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

Yes

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

9.2503

Yes

No

1.397

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

43.47

43.6

43.47

42.39

42.39

43.6

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

2000093064

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

Yes

(No Data)

Purchase

No

No

No

No

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

8.7500

No

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

48.32

0

48.32

48.32

48.32

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Business Bank Statements - 12 months; CPA Letter without Income - 24 months; P & L - 12 months;

Business Bank Statements - 12 months; CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

2000093112

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Second Home

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.8708

Yes

Yes

2.721

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

32.77

32.77

32.77

32.77

32.77

32.77

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

2000093125

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.9988

Yes

Yes

1.981

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

29.84

29.84

29.84

29.84

29.84

29.84

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

48

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

60

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 48 months;

CPA Letter without Income - 60 months; P & L - 12 months;

(No Data)

(No Data)

2000093126

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.4505

Yes

No

2.327

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

44.49

44.66

44.49

38.3

38.3

44.66

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

2000093140

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Second Home

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

Yes

1

7.8989

No

No

3.558

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

43.17

43.17

43.17

43.17

43.17

43.17

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

17

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 17 months;

(No Data)

(No Data)

(No Data)

2000093148

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

8.0001

No

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

49.7

0

49.7

49.7

49.7

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Business Bank Statements - 12 months; CPA Letter without Income - 24 months;

(No Data)

(No Data)

(No Data)

2000093167

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

8.0001

No

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

43.87

0

43.87

43.87

43.87

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Business Bank Statements - 12 months; CPA Letter without Income - 24 months;

(No Data)

(No Data)

(No Data)

2000093171

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.0541

Yes

Yes

1.271

0.000

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

37.02

37.02

37.02

37.02

37.02

37.02

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000093199

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

Yes

1

8.3054

No

No

4.305

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

43.74

43.74

43.74

43.74

43.74

43.74

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000093220

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

7.6416

No

No

2.582

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

43.67

43.67

43.67

43.67

43.67

43.67

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

26

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 26 months;

(No Data)

(No Data)

(No Data)

2000093223

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

8.1003

Yes

Yes

3.124

0.000

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

33.56

33.56

33.56

33.56

33.56

33.56

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Business Bank Statements - 12 months; CPA Letter without Income - 24 months;

(No Data)

(No Data)

(No Data)

2000093228

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

7.2562

No

No

0.698

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

46.91

46.91

46.91

46.91

46.91

46.91

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000093265

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

7.4376

No

No

1.82

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

44.4

44.41

44.4

44.41

44.41

44.41

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

26

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 26 months;

(No Data)

(No Data)

(No Data)

2000093282

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

SFR

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

8.1250

No

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

0

0

0

0

0

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

Yes

4700.00

No

(No Data)

1.0252

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

(No Data)

(No Data)

2000093292

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.4922

Yes

Yes

0.854

Not Applicable

No

No

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

42.86

42.86

42.86

42.86

42.86

42.86

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter with Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000093300

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

7.4274

No

No

1.299

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

43.02

43.02

43.02

43.02

43.02

43.02

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

2000093303

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

SFR

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

7.1251

Yes

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

23.88

0

23.88

23.88

23.88

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000093326

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.7775

Yes

Yes

1.201

0.000

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

22.9

22.9

22.9

22.9

22.9

22.9

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000093340

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.5530

Yes

Yes

1.463

0.000

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

38.69

38.7

38.69

38.7

38.7

38.7

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

190

Yes

156

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 190 months;

1099 - 12 months; Written VOE - 156 months;

(No Data)

(No Data)

2000093354

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.3616

Yes

Yes

1.74

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

39.25

39.26

39.25

39.26

39.26

39.26

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000093389

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

SFR

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

7.1251

Yes

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

38.61

0

38.61

38.61

38.61

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

26

Yes

26

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Lease Agreement - 12 months; Written VOE - 26 months;

Written VOE - 26 months;

(No Data)

(No Data)

2000093432

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

7.1251

No

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

0

0

0

0

0

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

Yes

2350.00

No

(No Data)

1.4117

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

(No Data)

(No Data)

2000093444

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.2359

Yes

Yes

1.618

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

37.31

37.31

37.31

37.31

37.31

37.31

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

26

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 26 months;

(No Data)

(No Data)

(No Data)

2000093448

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

7.5234

Yes

Yes

3.432

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

42.55

42.55

42.55

42.55

42.55

42.55

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

26

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 26 months;

(No Data)

(No Data)

(No Data)

2000093450

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

8.0001

No

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

47.75

0

47.75

47.75

47.75

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

36

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Business Bank Statements - 12 months; CPA Letter without Income - 36 months;

(No Data)

(No Data)

(No Data)

2000093473

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

7.4531

No

No

1.865

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

45.34

45.34

45.34

45.34

45.34

45.34

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

14

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 14 months;

(No Data)

(No Data)

(No Data)

2000093480

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Rate and Term Refi

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

7.5000

Yes

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

39.8

0

39.8

39.8

39.8

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

2000093488

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.9336

Yes

Yes

2.805

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

39.18

39.18

39.18

39.18

39.18

39.18

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000093578

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.9200

Yes

No

1.618

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

43.45

43.56

43.45

41.37

41.37

43.56

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

26

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Lease Agreement - 12 months; Written VOE - 26 months;

(No Data)

(No Data)

(No Data)

2000093614

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.0310

Yes

Yes

2.81

0.000

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

40.9

40.9

40.9

40.9

40.9

40.9

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

101

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Offer Letter - 12 months; Written VOE - 101 months;

CPA Letter without Income - 24 months; P & L - 24 months;

(No Data)

(No Data)

2000093677

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

9.1704

Yes

Yes

4.913

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

33.62

33.62

33.62

33.62

33.62

33.62

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

48

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Business Bank Statements - 12 months; CPA Letter without Income - 48 months;

(No Data)

(No Data)

(No Data)

2000093685

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

SFR

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.7468

Yes

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

33.02

0

33.02

33.02

34.5

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

2000093733

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

7.8503

No

No

1.634

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

44.35

44.35

44.35

44.35

44.35

44.35

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

28

Yes

28

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 28 months;

Written VOE - 28 months;

(No Data)

(No Data)

2000093752

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.5379

Yes

Yes

2.912

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

41.83

42.58

41.83

42.58

42.58

42.58

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

26

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 26 months;

(No Data)

(No Data)

(No Data)

2000093908

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

8.9804

Yes

Yes

4.248

0.000

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

33.02

33.02

33.02

33.02

33.02

33.02

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Business Bank Statements - 24 months; CPA Letter without Income - 24 months;

(No Data)

(No Data)

(No Data)

2000094006

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Mid Rise Condo  (5-8)

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.1378

Yes

Yes

2.295

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

32.76

32.76

32.76

32.76

32.76

32.76

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

4000003779

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

Yes

(No Data)

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

10.8750

No

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

0

0

0

0

0

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

4000003808

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

4 Family

4

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.2500

No

No

0

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

0

0

0

0

0

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

Yes

5350.00

3.1662

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

DSCR - w/lease agreement - 0 months;

(No Data)

(No Data)

(No Data)

4000003900

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

Yes

(No Data)

Purchase

No

No

No

No

Yes

4%, 3%, of Amt PPD if Amt PPD in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

9.3750

No

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

0

0

0

0

0

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

Yes

2600.00

No

(No Data)

0.8580

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

(No Data)

(No Data)

4000003903

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

Yes

No

1

8.4413

Yes

Yes

3.762

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

34.4

34.4

34.4

34.4

34.4

34.4

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

4000003905

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

SFR

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

Yes

(No Data)

Purchase

No

No

No

No

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

8.3750

No

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

0

0

0

0

0

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

Yes

4100.00

No

(No Data)

0.9615

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

DSCR - w/rent schedule - 0 months;

DSCR - w/rent schedule - 0 months;

(No Data)

(No Data)

4000003918

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

SFR

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

Yes

(No Data)

Purchase

No

No

No

No

Yes

4% of Amt Prepd if amt prepd in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

10.2500

No

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

0

0

0

0

0

(No Data)

(No Data)

(No Data)

XXXXXX

Not Applicable

(No Data)

Not Applicable

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

4000003924

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.7044

No

No

1.597

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

46.17

46.17

46.17

46.17

46.17

46.17

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 24 months;

(No Data)

(No Data)

(No Data)

4000003940

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

7.8751

No

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

0

0

0

0

0

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

Yes

2520.00

No

(No Data)

1.0008

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

(No Data)

(No Data)

4000003942

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

SFR

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

Yes

4%, 3%, of Amt PPD if Amt PPD in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

8.5439

No

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

0

0

0

0

0

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

Yes

2550.00

No

(No Data)

1.0635

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

(No Data)

(No Data)

4000003944

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Cashout Refi

No

No

No

No

Yes

4% of Amt Prepd if amt prepd in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

8.2500

Yes

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

21.1

0

21.1

21.1

21.1

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

4000003945

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.5519

No

No

0.476

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

48.84

48.84

48.84

48.84

48.84

48.84

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 24 months;

(No Data)

(No Data)

(No Data)

4000003946

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

9.5843

Yes

Yes

1.805

Not Applicable

(No Data)

(No Data)

No

No

No

No

Yes

Yes

Yes

(No Data)

Yes

No

Yes

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

37.78

37.78

37.78

37.78

37.78

37.78

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

60

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 60 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

4000003949

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Cashout Refi

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

7.3299

No

No

0.584

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

43.56

43.56

43.56

43.56

43.56

43.56

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

12

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

36

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 36 months; P & L - 12 months;

(No Data)

(No Data)

(No Data)

4000003953

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

Yes

4% of Amt Prepd if amt prepd in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

7.7501

No

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

0

0

0

0

0

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

Yes

3600.00

No

(No Data)

1.0675

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

(No Data)

(No Data)

4000003954

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

1

Conventional

No

No

No

No

(No Data)

Yes

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

8.2796

No

No

2.834

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Yes

Documented

Documented

Documented

Not Applicable

Documented

Documented

Documented

Documented

46

46

46

46

46

46

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

13

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 13 months;

(No Data)

(No Data)

(No Data)

4000003955

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

Yes

1

7.7580

No

No

2.416

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

44.39

44.39

44.39

44.39

44.39

44.39

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

4000003960

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

SFR

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

Yes

(No Data)

Cashout Refi

No

No

No

No

Yes

5% of UPB

(No Data)

Yes

Yes

1

10.7501

No

No

5

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

0

0

0

0

0

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

4000003962

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

Yes

4% of Amt Prepd if amt prepd in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

8.4770

Yes

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

26.2

0

26.2

26.2

29.02

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

4000003968

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

8.2500

No

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

32.34

0

32.34

32.34

32.34

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

4000003969

XXXXXX

XXXXXX

XXXXXX

XXXXXX

ATR/QM: Exempt

(No Data)

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

1

Conventional

No

No

(No Data)

(No Data)

(No Data)

No

(No Data)

Purchase

No

No

No

No

Yes

4% of Amt Prepd if amt prepd in 12 months  is > 20% of OPB

(No Data)

Yes

Yes

1

7.6250

No

No

4

(No Data)

(No Data)

(No Data)

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

0

0

0

0

0

0

(No Data)

(No Data)

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

Yes

5945.00

No

(No Data)

1.2131

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

(No Data)

(No Data)

4000003972

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

7.6581

Yes

Yes

2.518

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

37.64

37.64

37.64

37.64

37.64

37.64

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

25

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Written VOE - 25 months;

(No Data)

(No Data)

(No Data)

4000003984

XXXXXX

XXXXXX

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

1

Conventional

No

No

No

No

(No Data)

No

No

Purchase

No

No

No

No

No

(No Data)

(No Data)

No

No

1

8.0206

Yes

Yes

1.237

Not Applicable

(No Data)

(No Data)

No

No

No

No

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

(No Data)

Not Applicable

(No Data)

(No Data)

(No Data)

(No Data)

25.89

25.91

25.89

25.91

25.91

25.91

No

No

(No Data)

XXXXXX

No

(No Data)

No

(No Data)

No

(No Data)

(No Data)

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

Yes

14

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

No

(No Data)

(No Data)

No

(No Data)

No

(No Data)

(No Data)

No

(No Data)

Yes

24

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

No

(No Data)

CPA Letter without Income - 24 months; P & L - 14 months;

(No Data)

(No Data)

(No Data)

 ©2024 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. 

EX-99.5

Exhibit 99.5

Client Name:
Client Project Name:	PRKCM 2024-HOME1
Start - End Dates:	11/28/2023 - 4/4/2024
Deal Loan Count:	334
Rating Agency ATR QM Data Fields
Loans in Report:	334

Loan Number

Loan Level ATR/QM Status

Application Date Prior to 1/10/2014

TRID Indicator

Lender Application Date

Broker Application Date

GSE Eligible

QRM Flag

ATR/QM Total Points and Fees

Rate Lock Date

APR

Bwr 1 Employment Indicator

Bwr 2 Employment Indicator

Bwr 1 Foreign National Indicator

Bwr 2 Foreign National Indicator

Borrowers Qualified Through a Non-Resident Alien Program

Residual Income Analysis in File

ATR/QM Residual Income

1000800870

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

2190

XXXXXX

7.2449

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

1090300684

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

19230.24

XXXXXX

8.717

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

1090300695

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.125

Unemployed

(No Data)

Non-Resident Alien

(No Data)

(No Data)

(No Data)

0

1090300703

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

5136.98

XXXXXX

7.4695

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

1090300722

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.0001

Employed

(No Data)

Non-Resident Alien

(No Data)

(No Data)

(No Data)

0

1090300740

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

38665.13

XXXXXX

8.2113

Employed

(No Data)

Non-Resident Alien

(No Data)

(No Data)

No

0

1100501038

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

5244.35

XXXXXX

8.9145

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

1100501061

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

2190

XXXXXX

8.6388

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

1100501068

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

2190

XXXXXX

8.47

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

1100501083

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

3577.5

XXXXXX

7.6488

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000085624

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.75

Unemployed

(No Data)

U.S. Citizen

(No Data)

(No Data)

(No Data)

0

2000086313

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

7.5

Employed

Employed

Non-Resident Alien

Non-Resident Alien

(No Data)

(No Data)

0

2000087533

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

5720

XXXXXX

7.7139

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000088432

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

8947.98

XXXXXX

8.9006

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

2000088541

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

9824.95

XXXXXX

8.1146

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000088779

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

21456

XXXXXX

8.8593

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000088993

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

13985

XXXXXX

8.5912

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000089446

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

25375.08

XXXXXX

8.982

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000089448

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.75

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

(No Data)

0

2000089697

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

4125

XXXXXX

8.8193

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000090100

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

11295

XXXXXX

8.0819

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000090124

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

21395

XXXXXX

8.767

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000090346

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

7062.51

XXXXXX

8.0203

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000090366

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.625

Unemployed

(No Data)

U.S. Citizen

(No Data)

(No Data)

(No Data)

0

2000090436

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

9095

XXXXXX

7.8167

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000090444

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

9015

XXXXXX

8.5335

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000090483

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

5510.13

XXXXXX

9.4523

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

2000090529

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

1861.22

XXXXXX

8.4431

Employed

(No Data)

Non-Resident Alien

(No Data)

(No Data)

No

0

2000090653

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

9.125

Employed

(No Data)

Non-Resident Alien

(No Data)

(No Data)

(No Data)

0

2000090793

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

9.5

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

(No Data)

0

2000090811

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.0001

Unemployed

(No Data)

U.S. Citizen

(No Data)

(No Data)

(No Data)

0

2000090831

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

27501.75

XXXXXX

8.7553

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000090855

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

9.625

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

(No Data)

0

2000090881

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.5192

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000090882

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

26595

XXXXXX

8.4544

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000090921

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

6844

XXXXXX

8.63

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000090955

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

9903.76

XXXXXX

9.7526

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

(No Data)

No

0

2000090956

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

7092.25

XXXXXX

7.9582

Employed

(No Data)

Non-Resident Alien

(No Data)

(No Data)

No

0

2000090975

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

10846.91

XXXXXX

7.6139

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000090989

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

4579.97

XXXXXX

8.2415

Employed

Unemployed

Permanent Resident Alien

Permanent Resident Alien

(No Data)

No

0

2000090991

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

7.375

Employed

(No Data)

Non-Resident Alien

(No Data)

(No Data)

(No Data)

0

2000091019

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.875

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

(No Data)

0

2000091032

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

10155.8

XXXXXX

9.2217

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091077

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

7180.06

XXXXXX

8.2852

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091134

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

10640

XXXXXX

8.0845

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091161

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

21395

XXXXXX

7.8339

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091174

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

20795

XXXXXX

8.7712

Employed

Unemployed

Non-Permanent Resident Alien

Non-Permanent Resident Alien

(No Data)

No

0

2000091189

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

16200.32

XXXXXX

9.4172

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091213

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

29590

XXXXXX

8.531

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091228

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

11495

XXXXXX

7.6796

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091230

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

7271.25

XXXXXX

8.1416

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091271

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

30336.52

XXXXXX

8.8907

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091324

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

9.125

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

(No Data)

0

2000091332

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

16385

XXXXXX

8.7837

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091355

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

8420

XXXXXX

7.5158

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091360

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

7.375

Employed

Employed

Non-Resident Alien

Non-Resident Alien

(No Data)

(No Data)

0

2000091373

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

9164.19

XXXXXX

8.3832

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091375

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.25

Employed

(No Data)

Non-Resident Alien

(No Data)

(No Data)

(No Data)

0

2000091392

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

39295

XXXXXX

8.102

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091394

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

5307.5

XXXXXX

7.8866

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091397

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

19690

XXXXXX

8.345

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091401

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

6779.38

XXXXXX

8.1361

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

2000091404

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

6515.68

XXXXXX

9.2639

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091407

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

9295

XXXXXX

8.4434

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091414

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

9.092

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

(No Data)

0

2000091415

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

7.5

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

(No Data)

0

2000091434

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

9275

XXXXXX

8.1564

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091441

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

18775

XXXXXX

8.8379

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091454

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

9

Employed

Employed

U.S. Citizen

U.S. Citizen

(No Data)

(No Data)

0

2000091455

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

3299

XXXXXX

8.0881

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091465

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

4158.92

XXXXXX

9.1429

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

2000091473

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

5595

XXXXXX

7.7886

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091475

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

11574.2

XXXXXX

9.4551

Employed

Unemployed

U.S. Citizen

U.S. Citizen

(No Data)

No

0

2000091476

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

8442.5

XXXXXX

8.1719

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091478

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

5720

XXXXXX

8.0978

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

(No Data)

No

0

2000091485

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

16090.63

XXXXXX

9.0699

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

2000091499

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

7.625

Employed

(No Data)

Non-Resident Alien

(No Data)

(No Data)

(No Data)

0

2000091501

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

18300.44

XXXXXX

8.3466

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091504

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

7.625

Employed

(No Data)

Non-Resident Alien

(No Data)

(No Data)

(No Data)

0

2000091505

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

11949.24

XXXXXX

9.9347

Employed

Unemployed

U.S. Citizen

U.S. Citizen

(No Data)

No

0

2000091506

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.125

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

(No Data)

0

2000091508

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

10095

XXXXXX

7.4049

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091515

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

2896

XXXXXX

7.418

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091519

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

3015.26

XXXXXX

7.4993

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091534

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

6.875

Employed

Unemployed

Non-Resident Alien

Non-Resident Alien

(No Data)

(No Data)

0

2000091537

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

110270

XXXXXX

8.6113

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091552

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

6106

XXXXXX

8.0719

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091558

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

17383.75

XXXXXX

7.5114

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

2000091561

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.5613

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

(No Data)

0

2000091568

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

18095

XXXXXX

8.0366

Employed

Employed

U.S. Citizen

U.S. Citizen

(No Data)

No

0

2000091584

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

2399.84

XXXXXX

8.7313

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091586

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.477

Employed

(No Data)

Non-Resident Alien

(No Data)

(No Data)

(No Data)

0

2000091603

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

16377.58

XXXXXX

8.3893

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091605

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

7769.08

XXXXXX

8.1811

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091626

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

8074.36

XXXXXX

8.0867

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091629

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

4895

XXXXXX

7.6107

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

(No Data)

No

0

2000091632

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

9513.33

XXXXXX

10.1066

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091635

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

13420

XXXXXX

7.8483

Employed

Employed

U.S. Citizen

U.S. Citizen

(No Data)

No

0

2000091643

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.6788

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

(No Data)

0

2000091645

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

23207.5

XXXXXX

8.6868

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091653

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

21142.1

XXXXXX

8.7329

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091669

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

21670

XXXXXX

8.6366

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091682

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

7023.5

XXXXXX

7.934

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

2000091685

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

1595

XXXXXX

7.424

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091703

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.5

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

(No Data)

0

2000091707

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

14251.25

XXXXXX

8.6659

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091713

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

12057.5

XXXXXX

8.0069

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091715

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

8035

XXXXXX

8.2052

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

2000091720

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

5157.5

XXXXXX

8.5558

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

2000091722

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

12738.13

XXXXXX

8.6204

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091728

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

11736.25

XXXXXX

8.0599

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

2000091730

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.625

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

(No Data)

0

2000091731

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

9125.07

XXXXXX

10.407

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

(No Data)

No

0

2000091736

QM: Safe Harbor

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

10618.4

XXXXXX

8.09

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

2000091739

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

7235

XXXXXX

8.4925

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091750

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

8315

XXXXXX

7.5617

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091754

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

8547.5

XXXXXX

7.9028

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091780

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

3795

XXXXXX

7.771

Employed

Unemployed

U.S. Citizen

U.S. Citizen

(No Data)

No

0

2000091793

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

9.5

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

(No Data)

(No Data)

0

2000091799

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

11140.25

XXXXXX

8.4244

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

2000091824

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.25

Employed

(No Data)

Non-Resident Alien

(No Data)

(No Data)

(No Data)

0

2000091833

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

10943.8

XXXXXX

9.0168

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091847

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

13039.16

XXXXXX

9.75

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091862

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

7.7501

Unemployed

(No Data)

Non-Resident Alien

(No Data)

(No Data)

(No Data)

0

2000091867

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

14105

XXXXXX

7.9364

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091869

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

12870

XXXXXX

7.8557

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091878

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

24863.92

XXXXXX

8.0895

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

(No Data)

No

0

2000091892

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

6461.75

XXXXXX

9.3471

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091899

QM: Rebuttable Presumption

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

11795

XXXXXX

8.7102

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091902

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.125

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

(No Data)

0

2000091906

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

7535

XXXXXX

8.2481

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

2000091915

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.125

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

(No Data)

0

2000091949

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.5

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

(No Data)

0

2000091952

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.0001

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

(No Data)

0

2000091953

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.5

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

(No Data)

0

2000091956

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

12587.16

XXXXXX

8.1043

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

2000091971

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

14296.25

XXXXXX

8.7463

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091975

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

19782

XXXXXX

8.0979

Employed

Employed

U.S. Citizen

U.S. Citizen

(No Data)

No

0

2000091981

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

4595

XXXXXX

7.8838

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091982

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

9590.6

XXXXXX

7.6719

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091984

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

9793.4

XXXXXX

8.9477

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000091987

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

9357.5

XXXXXX

9.0945

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

(No Data)

No

0

2000092001

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

39332.56

XXXXXX

9.4472

Employed

Unemployed

U.S. Citizen

U.S. Citizen

(No Data)

No

0

2000092043

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

24481.68

XXXXXX

8.6119

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092053

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

10240.59

XXXXXX

7.669

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092066

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

7.5

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

(No Data)

0

2000092074

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

9725

XXXXXX

7.7052

Employed

Unemployed

U.S. Citizen

U.S. Citizen

(No Data)

No

0

2000092081

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

6806.47

XXXXXX

8.2658

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092083

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

7.5

Employed

(No Data)

Non-Resident Alien

(No Data)

(No Data)

(No Data)

0

2000092096

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

7990

XXXXXX

7.6053

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

2000092102

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

9295

XXXXXX

8.0845

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092104

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

9158.22

XXXXXX

8.1782

Employed

Employed

U.S. Citizen

U.S. Citizen

(No Data)

No

0

2000092106

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

11884.69

XXXXXX

8.1166

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092107

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.0001

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

(No Data)

0

2000092109

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

16782.5

XXXXXX

8.8474

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092116

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

8190

XXXXXX

7.6621

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

(No Data)

No

0

2000092117

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

9201.73

XXXXXX

7.9117

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092121

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

7265

XXXXXX

7.5367

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

2000092123

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

8387.5

XXXXXX

8.7774

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092127

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

1121.98

XXXXXX

9.2627

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092137

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

6569.08

XXXXXX

7.8171

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092143

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

7.7501

Unemployed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

(No Data)

0

2000092169

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

7.625

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

(No Data)

0

2000092174

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

7.8776

Employed

Employed

U.S. Citizen

U.S. Citizen

(No Data)

No

0

2000092177

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

6153.01

XXXXXX

7.2901

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

2000092185

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

6875

XXXXXX

7.5759

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092189

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

391.33

XXXXXX

7.8656

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092190

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

10329.78

XXXXXX

8.3501

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092196

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

29864.1

XXXXXX

9.534

Employed

Unemployed

U.S. Citizen

(No Data)

(No Data)

No

0

2000092197

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

7845

XXXXXX

7.5062

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092217

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

7945.94

XXXXXX

9.0578

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092222

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

11770.36

XXXXXX

7.9714

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092244

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

7540

XXXXXX

8.229

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092245

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

9320

XXXXXX

8.0194

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

2000092291

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

6.875

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

(No Data)

0

2000092303

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

15571.83

XXXXXX

8.73

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

2000092306

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

15195

XXXXXX

7.7997

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

(No Data)

No

0

2000092308

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

10257.5

XXXXXX

8.6977

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092315

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

7.625

Unemployed

(No Data)

Non-Permanent Resident Alien

(No Data)

(No Data)

(No Data)

0

2000092317

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

25326

XXXXXX

8.1016

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092321

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

13735.63

XXXXXX

7.7623

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

2000092323

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

5495

XXXXXX

7.6193

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

(No Data)

No

0

2000092325

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

7.625

Employed

Unemployed

Non-Resident Alien

Non-Resident Alien

(No Data)

(No Data)

0

2000092330

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

8015

XXXXXX

7.5537

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092339

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

8873

XXXXXX

8.798

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092357

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

11205

XXXXXX

8.3962

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092359

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

9499.6

XXXXXX

7.9719

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

(No Data)

No

0

2000092376

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

23193.6

XXXXXX

8.1843

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092381

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

13295

XXXXXX

8.5483

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

2000092383

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

7986.35

XXXXXX

7.775

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092387

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

15320

XXXXXX

8.5682

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092397

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

8344.82

XXXXXX

7.9537

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

2000092398

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

27647.43

XXXXXX

7.9304

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092402

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

7642.4

XXXXXX

7.8527

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092403

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

14240

XXXXXX

7.9674

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092417

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

7525

XXXXXX

8.0431

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

2000092432

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

25020

XXXXXX

7.4269

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092435

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

10894.2

XXXXXX

8.8204

Unemployed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092447

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

8.4032

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092459

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

7163.75

XXXXXX

7.5923

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

2000092462

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

7.5

Employed

(No Data)

Non-Resident Alien

(No Data)

(No Data)

(No Data)

0

2000092464

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

17147.96

XXXXXX

8.8625

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092473

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

7885.63

XXXXXX

7.5529

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092483

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

4493

XXXXXX

7.8294

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092490

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

7.375

Employed

Unemployed

U.S. Citizen

U.S. Citizen

(No Data)

(No Data)

0

2000092494

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

8483

XXXXXX

7.7182

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092495

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

7.1251

Employed

Unemployed

U.S. Citizen

U.S. Citizen

(No Data)

(No Data)

0

2000092531

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

7895

XXXXXX

8.0732

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092548

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

8482.5

XXXXXX

8.2646

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092554

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

7.375

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

(No Data)

(No Data)

0

2000092556

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

7.625

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

(No Data)

0

2000092563

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

30315.7

XXXXXX

8.1084

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092566

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

17418.96

XXXXXX

8.0317

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092577

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

8689.55

XXXXXX

7.8793

Employed

Unemployed

U.S. Citizen

U.S. Citizen

(No Data)

No

0

2000092583

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

30085

XXXXXX

7.6397

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092585

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

9779.38

XXXXXX

8.0275

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092589

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

7.8751

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

(No Data)

0

2000092604

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

3145

XXXXXX

8.6263

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092607

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

6214.86

XXXXXX

7.7028

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092616

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

5532.5

XXXXXX

7.6678

Employed

Employed

U.S. Citizen

Permanent Resident Alien

(No Data)

No

0

2000092620

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.25

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

(No Data)

0

2000092623

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

6534.95

XXXXXX

7.6224

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092637

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.0001

Employed

(No Data)

Non-Resident Alien

(No Data)

(No Data)

(No Data)

0

2000092644

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

9470

XXXXXX

7.9535

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092653

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

6290

XXXXXX

7.4876

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

(No Data)

No

0

2000092660

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

8790

XXXXXX

8.0736

Employed

Unemployed

Permanent Resident Alien

Permanent Resident Alien

(No Data)

No

0

2000092661

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

18035

XXXXXX

7.9946

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092676

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

20742

XXXXXX

8.0239

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

2000092679

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

10345

XXXXXX

7.7135

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092690

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

7557.5

XXXXXX

7.586

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

2000092691

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

6896.77

XXXXXX

9.0457

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

2000092707

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

6475

XXXXXX

7.6746

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092712

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

5795

XXXXXX

7.3524

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

2000092722

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.375

Unemployed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

(No Data)

0

2000092728

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.5439

Employed

(No Data)

Non-Resident Alien

(No Data)

(No Data)

(No Data)

0

2000092746

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

9408.44

XXXXXX

9.3148

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092761

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

6104.56

XXXXXX

7.1483

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

2000092766

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

7331

XXXXXX

7.9123

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092767

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

7265

XXXXXX

7.8338

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092780

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

9860

XXXXXX

7.9507

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092781

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.2782

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

(No Data)

0

2000092783

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

16751

XXXXXX

7.5568

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092821

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

7095

XXXXXX

7.9946

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092823

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

8610

XXXXXX

8.7724

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092836

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

35345

XXXXXX

7.5625

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092853

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

11615

XXXXXX

7.812

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092856

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

7.25

Employed

Unemployed

U.S. Citizen

U.S. Citizen

(No Data)

(No Data)

0

2000092872

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

8270

XXXXXX

7.285

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092885

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

7.8751

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

(No Data)

0

2000092894

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

5595

XXXXXX

7.425

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092896

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

7365

XXXXXX

7.662

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092900

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

7.5

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

(No Data)

0

2000092902

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

10353.75

XXXXXX

7.7328

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092906

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

32570

XXXXXX

8.56

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

(No Data)

No

0

2000092919

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

2636.64

XXXXXX

8.054

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

2000092925

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.0001

Unemployed

Unemployed

Non-Resident Alien

Non-Resident Alien

(No Data)

(No Data)

0

2000092938

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

3095

XXXXXX

7.4469

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092940

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.125

Unemployed

(No Data)

Non-Resident Alien

(No Data)

(No Data)

(No Data)

0

2000092945

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

17195

XXXXXX

7.6903

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092948

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

11035

XXXXXX

7.6205

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092949

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

2710

XXXXXX

7.2849

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092957

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

7715

XXXXXX

7.7765

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092963

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

7.5

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

(No Data)

0

2000092967

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

21418.97

XXXXXX

7.8828

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000092976

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

14055

XXXXXX

7.6274

Unemployed

Employed

U.S. Citizen

U.S. Citizen

(No Data)

No

0

2000092977

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

13661.65

XXXXXX

7.5032

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

2000093011

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

7.25

Unemployed

(No Data)

U.S. Citizen

(No Data)

(No Data)

(No Data)

0

2000093012

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

7.8751

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

(No Data)

0

2000093016

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

13510.63

XXXXXX

7.9935

Employed

Employed

U.S. Citizen

U.S. Citizen

(No Data)

No

0

2000093019

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

1920

XXXXXX

7.5214

Employed

Unemployed

U.S. Citizen

U.S. Citizen

(No Data)

No

0

2000093024

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

23380.23

XXXXXX

8.4462

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000093035

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

8690.45

XXXXXX

8.5346

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000093048

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

7315

XXXXXX

8.6692

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000093051

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

7.25

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

(No Data)

0

2000093052

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

7370

XXXXXX

8.6282

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000093058

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

17607.5

XXXXXX

9.2503

Unemployed

Employed

U.S. Citizen

U.S. Citizen

(No Data)

No

0

2000093064

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.75

Employed

Employed

Non-Resident Alien

Non-Resident Alien

(No Data)

(No Data)

0

2000093112

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

9260.1

XXXXXX

7.8708

Employed

(No Data)

Non-Resident Alien

(No Data)

(No Data)

No

0

2000093125

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

20095

XXXXXX

7.9988

Employed

Employed

U.S. Citizen

U.S. Citizen

(No Data)

No

0

2000093126

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

13415

XXXXXX

8.4505

Employed

Unemployed

Permanent Resident Alien

Permanent Resident Alien

(No Data)

No

0

2000093140

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

4666.25

XXXXXX

7.8989

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000093148

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.0001

Employed

(No Data)

Non-Resident Alien

(No Data)

(No Data)

(No Data)

0

2000093167

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.0001

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

(No Data)

(No Data)

0

2000093171

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

8095

XXXXXX

7.0541

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000093199

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

29495

XXXXXX

8.3054

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000093220

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

10440.31

XXXXXX

7.6416

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

2000093223

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

6297.73

XXXXXX

8.1003

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

2000093228

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

3820

XXXXXX

7.2562

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000093265

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

5345

XXXXXX

7.4376

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

2000093282

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.125

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

(No Data)

0

2000093292

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

8595

XXXXXX

7.4922

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000093300

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

13745

XXXXXX

7.4274

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000093303

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

7.1251

Employed

Unemployed

U.S. Citizen

U.S. Citizen

(No Data)

(No Data)

0

2000093326

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

10395

XXXXXX

7.7775

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000093340

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

11710

XXXXXX

7.553

Employed

Employed

U.S. Citizen

U.S. Citizen

(No Data)

No

0

2000093354

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

13595

XXXXXX

8.3616

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000093389

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

7.1251

Employed

Employed

U.S. Citizen

Permanent Resident Alien

(No Data)

(No Data)

0

2000093432

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

7.1251

Unemployed

(No Data)

U.S. Citizen

(No Data)

(No Data)

(No Data)

0

2000093444

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

7193.5

XXXXXX

7.2359

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

2000093448

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

6590

XXXXXX

7.5234

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000093450

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.0001

Employed

(No Data)

Non-Resident Alien

(No Data)

(No Data)

(No Data)

0

2000093473

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

8981

XXXXXX

7.4531

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

2000093480

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

7.5

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

(No Data)

0

2000093488

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

8650

XXXXXX

7.9336

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000093578

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

4296.93

XXXXXX

8.92

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

2000093614

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

32110.63

XXXXXX

8.031

Employed

Employed

U.S. Citizen

U.S. Citizen

(No Data)

No

0

2000093677

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

25570.94

XXXXXX

9.1704

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

(No Data)

No

0

2000093685

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.7468

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

(No Data)

0

2000093733

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

8573

XXXXXX

7.8503

Employed

Employed

U.S. Citizen

Permanent Resident Alien

(No Data)

No

0

2000093752

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

23591.25

XXXXXX

7.5379

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

2000093908

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

7690.98

XXXXXX

8.9804

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

2000094006

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

15095

XXXXXX

8.1378

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

4000003779

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

10.875

Unemployed

(No Data)

U.S. Citizen

(No Data)

(No Data)

(No Data)

0

4000003808

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.25

Unemployed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

(No Data)

0

4000003900

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

9.375

Unemployed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

(No Data)

0

4000003903

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

6133.44

XXXXXX

8.4413

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

4000003905

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.375

Unemployed

Unemployed

U.S. Citizen

U.S. Citizen

(No Data)

(No Data)

0

4000003918

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

10.25

Unemployed

(No Data)

Non-Resident Alien

(No Data)

(No Data)

(No Data)

0

4000003924

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

6493.09

XXXXXX

8.7044

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

4000003940

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

7.8751

Unemployed

(No Data)

U.S. Citizen

(No Data)

(No Data)

(No Data)

0

4000003942

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.5439

Unemployed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

(No Data)

0

4000003944

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.25

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

(No Data)

(No Data)

0

4000003945

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

2090

XXXXXX

8.5519

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

(No Data)

No

0

4000003946

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

16022.1

XXXXXX

9.5843

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

4000003949

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

7320

XXXXXX

7.3299

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

4000003953

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

7.7501

Unemployed

(No Data)

U.S. Citizen

(No Data)

(No Data)

(No Data)

0

4000003954

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

5467.22

XXXXXX

8.2796

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

4000003955

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

14240

XXXXXX

7.758

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

No

0

4000003960

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

10.7501

Unemployed

(No Data)

U.S. Citizen

(No Data)

(No Data)

(No Data)

0

4000003962

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.477

Employed

(No Data)

Non-Resident Alien

(No Data)

(No Data)

(No Data)

0

4000003968

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

8.25

Employed

(No Data)

Permanent Resident Alien

(No Data)

(No Data)

(No Data)

0

4000003969

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

XXXXXX

No

No

0

XXXXXX

7.625

Unemployed

(No Data)

U.S. Citizen

(No Data)

(No Data)

(No Data)

0

4000003972

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

11500.28

XXXXXX

7.6581

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

4000003984

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

XXXXXX

No

Yes

5450

XXXXXX

8.0206

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

 ©2024 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. 

EX-99.6

Exhibit 99.6

Client Name:
Client Project Name:		PRKCM 2024-HOME1
Start - End Dates:		11/28/2023 - 4/4/2024
Deal Loan Count:		334
Conditions Report 2.0
Loans in Report:		334
Loans with Conditions:		105
11 - Total Active Conditions
	11 - Non-Material Conditions
			3 - Credit Review Scope
				1 - Category: Income/Employment
				2 - Category: Terms/Guidelines
			8 - Compliance Review Scope
				8 - Category: RESPA
126 - Total Satisfied Conditions
			47 - Credit Review Scope
				9 - Category: Application
				4 - Category: Assets
				2 - Category: Credit/Mtg History
				14 - Category: DTI
				10 - Category: Income/Employment
				3 - Category: Insurance
				1 - Category: LTV/CLTV
				3 - Category: Terms/Guidelines
				1 - Category: Title
			2 - Property Valuations Review Scope
				2 - Category: Appraisal
			77 - Compliance Review Scope
				1 - Category: Ability to Repay/Qualified Mortgage
				2 - Category: Compliance Manual
				1 - Category: Documentation
				3 - Category: Federal Consumer Protection
				1 - Category: RESPA
				2 - Category: Right of Rescission
				1 - Category: State Consumer Protection
				7 - Category: Texas Home Equity
				59 - Category: TILA/RESPA Integrated Disclosure
1 - Total Waived Conditions
			1 - Credit Review Scope
				1 - Category: Terms/Guidelines
©2024 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

Client Name:
Client Project Name:	PRKCM 2024-HOME1
Start - End Dates:	11/28/2023 - 4/4/2024
Deal Loan Count:	334
Conditions Report 2.0
Loans in Report:	334
Loans with Conditions:	105

Loan Number

Original Principal Balance

State

Initial Lender ATR/QM Status

Loan Level ATR/QM Status

Initial Securitization Overall Loan Grade

Final Securitization Overall Loan Grade

Initial Securitization Credit Loan Grade

Final Securitization Credit Loan Grade

Initial Securitization Property Valuations Loan Grade

Final Securitization Property Valuations Loan Grade

Initial Securitization Compliance Loan Grade

Final Securitization Compliance Loan Grade

Initial S&P Overall Loan Grade

Final S&P Overall Loan Grade

Initial S&P Credit Loan Grade

Final S&P Credit Loan Grade

Initial S&P Property Valuations Loan Grade

Final S&P Property Valuations Loan Grade

Initial S&P Compliance Loan Grade

Final S&P Compliance Loan Grade

Condition Category

Condition Sub Category

Condition Status

Initial Securitization Condition Grade

Final Securitization Condition Grade

Initial S&P Condition Grade

Final S&P Condition Grade

Condition Code

Condition Description

Condition Material Indicator

Initial Comments

Client/Seller Response Comments

Conclusion Comments

TRID Error Type

Cure Method

Compensating Factors

1000800870

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor (APOR)

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

Need evidence of change of circumstances letter for Zero tolerance,  (Discount %) increase, or a copy of a refund check in the amount of $XXX.

3/26/24 - Lender provided a copy of a missing COC.

3/26/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 20 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median Fico > 69 points above guideline minimum

1090300684

XXXXXX

FL

QM: Rebuttable Presumption

QM: Rebuttable Presumption (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 20 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 50 points above guideline minimum

1090300695

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  XXX years at current home

1090300703

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor (APOR)

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3618

TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing

No

Missing Initial CD

4/3/24 - Lender provided a copy of the missing initial CD.

4/3/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close assets > XXX months above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 44 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x31

1090300703

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor (APOR)

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Missing Initial CD

4/3/24 - Lender provided a copy of the missing initial CD.

4/3/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close assets > XXX months above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 44 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x31

1090300703

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor (APOR)

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3662

TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance

No

Missing Initial CD

4/3/24 - Lender provided a copy of the missing initial CD.

4/3/24 - Exception satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close assets > XXX months above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 44 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x31

1090300703

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor (APOR)

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID4579

TRID - CD: Missing Initial CD

No

Missing Initial CD

4/3/24 - Lender provided a copy of the missing initial CD.

4/3/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close assets > XXX months above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 44 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x31

1090300722

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > x points below guideline maximum

1090300740

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Compliance

Right of Rescission

Satisfied

B

B

B

B

CMPROR2043

Cannot determine if funding date is after rescission period

No

Unable to determine if funding date is after recession period due to missing Right to Cancel Form.

4/2/24 - Lender provided a copy of the missing ROR form.

4/2/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close assets > XXX months above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 31 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x39

1090300740

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Compliance

Right of Rescission

Satisfied

D

A

D

A

CMPROR5345

ROR - Missing or Incomplete Right of Rescission form

No

Missing the Right to Cancel form in the file.

4/2/24 - Lender provided a copy of the missing ROR form.

4/2/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close assets > XXX months above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 31 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x39

1090300740

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Credit

DTI

Satisfied

D

A

D

A

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing verification of  all components of non-subject PITI; for XXX.No Mortgage Statement in file NO HOI in file

4/2/24 - HOI and RE Tax documentation located in the original loan package.

4/2/24 - Exception satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close assets > XXX months above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 31 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x39

1100501038

XXXXXX

GA

QM: Rebuttable Presumption (APOR)

QM: Rebuttable Presumption (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 20 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 5 points below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

1100501061

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor (APOR)

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

Need evidence of change of circumstances letter for Zero tolerance,  (Appraisal Desk Review) increase, or a copy of a refund check in the amount of $XXX.

3/8/24 - Lender provided a copy of the bill from the appraiser for the desk review.

3/8/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 15 points below guideline maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 116 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 17 points below guideline maximum.

1100501068

XXXXXX

TN

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception Satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 5 points below guideline maximum CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0x30x63 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median Fico > 77 points above guideline minimum

1100501083

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 47 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x55

2000085624

XXXXXX

NY

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  : Borrower LTV is > 5 points below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum.

2000086313

XXXXXX

FL

(No Data)

ATR/QM: Exempt

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Credit

Terms/Guidelines

Active

C

B

C

B

CRDTER3122

Loan documents do not meet guideline requirements

No

Missing Signed "BORROWER'S INTENT TO PROCEED WITH LOAN ANDBUSINESS PURPOSE LOAN CERTIFICATION"Disclosure in file not signed

(No Data)

3/6/24 - Upon further review, the intent to proceed is signed, and without the Business purposes certification the exception can be considered a B.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 20 points below guideline maximum. CFCFS1744: DTI below guideline requirement - Clayton Comments:  : Borrower DTI is > 15 points below guideline maximum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000087533

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 78 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x35 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 21 points below guideline maximum

2000088432

XXXXXX

FL

QM: Rebuttable Presumption

QM: Rebuttable Presumption (APOR)

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID5107

TRID - Seller CD not in file; need in order to complete fee entry

No

Seller CD not in file

3/12/24 - Lender provided a copy of the missing Seller CD.

3/12/24 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 85 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000088541

XXXXXX

VA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 5 points below guideline maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 126 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 33 points below guideline maximum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000088779

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 35 points below guideline maximum.

2000088993

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Credit

Terms/Guidelines

Waived

C

B

C

B

CRDTER3122

Loan documents do not meet guideline requirements

No

Property exceeds 10 acres.  Missing pre-approval from XXX per guideline.

12/15/23 - Upon further review, the exception is a non-material B.  01.08.2024 - Acknowledged by client.

12/15/23 - Exception is a non-material B.  01.08.2024 - Non-material exception remains.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  8 years on current job CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for XXX years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close assets are XXX or XXX months of P&IRequired P&I Reserves are XXX x 6 = XXX

2000089446

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Over XXX years at current job

2000089448

XXXXXX

CA

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Income/Employment

Satisfied

C

A

C

A

CRDINC150

Income docs do not meet guidelines

No

Missing XXX Estimate for XXX Property

2/29/24 - Lender provided a copy of the missing XXX rental estimate.

2/29/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower XXX for the past XXX years CFCFS1736: Significant time at current residence - Clayton Comments:  XXX months at current residence, resided at XXX for XXX years prior.

2000089697

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 32 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 29 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000090100

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum.

2000090124

XXXXXX

MD

QM: Rebuttable Presumption

QM: Rebuttable Presumption (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 21 points below guideline maximum CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 18 points below guideline maximum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum

2000090346

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 9 points below guideline maximum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 61 points above guideline minimum

2000090366

XXXXXX

MA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 41 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x93 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close assets >XXX months above guideline minimum

2000090436

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 62 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  : Median FICO > 109 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower XXX bldr for the past XXX years

2000090444

XXXXXX

TX

QM: Rebuttable Presumption

QM: Rebuttable Presumption (APOR)

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Compliance

Texas Home Equity

Satisfied

C

B

C

B

CMPTXHE108

TX Equity - Total fees greater than the allowable cap

No

Adjusted Charges are $XXX. Maximum Charges for TX are 2.000%, Maximum Charges are $XXX. Charges Margin to Threshold is $XXX. Total Charges are 2.830%.

4/1/24 - Lender provided a COC reducing the Origination fee from $XXX to $XXX.

4/1/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 12 points below guideline maximum CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 5 points below guideline maximum

2000090444

XXXXXX

TX

QM: Rebuttable Presumption

QM: Rebuttable Presumption (APOR)

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Compliance

Texas Home Equity

Satisfied

D

A

D

A

CMPTXHE117

TX Equity - Missing Affidavit of Fair Market Value

No

Missing Affidavit of Fair Market Value

4/2/24 - further review found out this is a 50(f)2 loan the Fair Market Value acknowledgment form is not required. Thank you.

4/2/24 - Exception satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 12 points below guideline maximum CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 5 points below guideline maximum

2000090483

XXXXXX

PA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x49 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 10 points below guideline maximum

2000090529

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

QM: Rebuttable Presumption (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  23.51% CFCFS2854: Significant time in profession - Clayton Comments:  XXX years on job/profession CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years on job

2000090653

XXXXXX

OR

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 87 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x62 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close assets > XXX months above guideline minimum

2000090793

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 20 points above guideline minimum CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has 0x30x27 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000090811

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 32.26 points below guideline maximum CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0x30x99 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are XXX or XXX months of PITIA reserves Required PITIA Reserves are XXX x 3 months = XXX

2000090831

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

DTI

Satisfied

D

A

D

A

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing HOI for XXX Property

2/23/24 - Lender provided a copy of the missing HOI for XXX.

2/23/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 83 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 16 points below guideline maximum. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 5 points below guideline maximum CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower XXX for the past XXX years

2000090855

XXXXXX

FL

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

C

A

C

A

CRDTER3122

Loan documents do not meet guideline requirements

No

Missing "Borrower's Intent To Procced with Loan and Business Purpose Loan Certification" Disclosure.The one in file is not signed

3/5/24 - Lender provided a copy of the missing Business Purpose Loan Certification.

3/5/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower XXX for the past XXX years

2000090881

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned and resided in current residence for XXX years. CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession > XXX years.

2000090881

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Assets

Satisfied

D

A

D

A

CRDAST2670

Asset documentation is insufficient per guideline requirements

No

Missing source of funds for XXX  brought to closing.

2/16/24 - Lender provided a copy of the wire transfer for XXX, still does not reference source of funds.  Exception remains 2/16/24 - Lender provided a Bank Provided statement reflecting the account has been open for more than 2 years.

2/16/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned and resided in current residence for XXX years. CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession > XXX years.

2000090882

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID4039

TRID - CD: The Maximum Amount at First Payment Change on the AP Table of the Final Closing Disclosure does not match Claytons calculated Maximum Amount at First Payment Change

No

CD XXX Adjustable Payment (AP) Table is missing the First Change Amount and Maximum payment.

3/5/24 - Lender provided a completed PCCD including the completed AP Table.

3/5/24 - Exceptionsatisfied.

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 32 points below guideline maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 122 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000090921

XXXXXX

OK

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 12.76 points below guideline maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO >54 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower has 0x30x91 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000090955

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 20 points below guideline maximum CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  0x30x45

2000090956

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 70 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 25 points below guideline maximum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000090975

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 03 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x82

2000090989

XXXXXX

NC

QM: Rebuttable Presumption

QM: Rebuttable Presumption (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 29 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 18.88 points below guideline maximum. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower has 0x30x16

2000090991

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  35.61% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years on job

2000091019

XXXXXX

TX

(No Data)

ATR/QM: Exempt

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

Credit

LTV/CLTV

Satisfied

B

A

B

A

CRDLTV3028

LTV Exceeds Guideline Requirement by 10% or more

No

2.13.2024 XXX - Maximum Cash-Out on LTV's greater than 65% is XXXBorrower's LTV is 75% and borrower received back XXX in proceeds, exceeding XXX guideline maximum.

2/23/24 - Lender revised the guidelines to XXX allowing for up to 75% LTV.

2/23/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit history shows 0x30x99 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI >20 points below guideline maximum CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Rental income for subject not used for qualification CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 66 points above guideline minimum

2000091032

XXXXXX

NJ

QM: Rebuttable Presumption

QM: Rebuttable Presumption (APOR)

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

Compliance

Federal Consumer Protection

Satisfied

B

A

B

A

CMPFDCP847

TILA - ARM Loan Program Disclosure after 3 days from application

No

Missing initial Arm Disclosure dated XXX

3/12/24 - Lender provided a copy of the missing Initial ARM Disclosure.

3/12/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 111 points above guideline minimum CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has 0x30x61 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000091077

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA2704

RESPA - List of homeowners counseling organizations not compliant

No

#6 and #7 & #8 and #9 is the same and counseling is not in compliant.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 30 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49%

2000091134

XXXXXX

MD

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 116 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower has 0x30x94 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 12.62 points below guideline maximum.

2000091161

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 50 points above guideline minimum

2000091174

XXXXXX

NV

QM: Rebuttable Presumption (APOR)

QM: Rebuttable Presumption (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above minimum guideline CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 40 points above guideline minimum

2000091189

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

Need evidence of change of circumstances letter for Zero tolerance, (Discount %) increase, or a copy of a refund check in the amount of $XXX.

2/22/24 - Lender provided a copy of a XXX statement, but amounts do not match ($XXX - $XXX = $XXX), and the $XXX was paid to XXX.  Exception remains2/23/24 - this file was submitted as a lender paid transaction, that is why the broker's compensation is not disclosed on the LE as it was paid by the lender

2/23/24 - Exception satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower lived at his current Primary residence for the past XXX years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 24 points above guideline minimum

2000091213

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0x30x48 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median Fico > 59 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum

2000091228

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 16 points below guideline maximum CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0x30x65 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 4 points below guideline maximum

2000091230

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  XXX years at current residence CFCFS2854: Significant time in profession - Clayton Comments:  XXX years at current job CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  XXX years on job CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  728

2000091271

XXXXXX

CA

QM: Rebuttable Presumption

QM: Rebuttable Presumption (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x32 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 30 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 09 points below guideline maximum

2000091324

XXXXXX

FL

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

DTI

Satisfied

D

A

D

A

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing verification of mortgage and PITI for XXX

4/5/24 - Lender provided a copy of the property detail report, reflect no mortgage, but 1003 reflects mortgage, need further clatification. per XXX:  Please note that this property is free and clear and currently under refinance with XXX but not yet funded. Thank you.

4/8/24 - The property does not have a lien currently.  Exception satisfied.

(No Data)

Not Applicable

CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x99 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close assets > XXX months above guideline minimum

2000091332

XXXXXX

CA

QM: Rebuttable Presumption

QM: Rebuttable Presumption (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 5 points below guideline maximum of 70%

2000091355

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 20 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 104 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 21 points below guideline maximum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum

2000091360

XXXXXX

FL

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

DTI

Satisfied

D

A

D

A

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing documentation confirming other amount of $210.02 per the 1008.

3.22.24 - lender provided corrected application/1008 removing the $210.02.

3.22.24 - exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > x months PITIA above guideline minimum. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 19 points below guideline maximum.

2000091373

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum CFCFS1736: Significant time at current residence - Clayton Comments:  XXX years at current residence CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49%

2000091375

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49%

2000091392

XXXXXX

CA

QM: Rebuttable Presumption

QM: Rebuttable Presumption (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 19.37 points below guideline maximum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower has 0x30x222 CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has 0x30x82 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum

2000091394

XXXXXX

KY

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3618

TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing

No

Provide All CDs issued to borrower, including the initial CD at least 3 business days prior to closing.

2/14/24 - Lender provided a copy of the missing Initial CD.

2/14/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 25.75 points below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is > 16.10 points below guideline maximum.

2000091394

XXXXXX

KY

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX.

2/14/24 - Lender provided a copy of the missing Initial CD.

2/14/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 25.75 points below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is > 16.10 points below guideline maximum.

2000091394

XXXXXX

KY

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID4579

TRID - CD: Missing Initial CD

No

Provide Initial CD received at least 3 business days prior to closing.

2/14/24 - Lender provided a copy of the missing Initial CD.

2/14/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 25.75 points below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is > 16.10 points below guideline maximum.

2000091397

XXXXXX

NV

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 10 points below guideline maximum

2000091401

XXXXXX

OK

QM: Rebuttable Presumption (APOR)

QM: Rebuttable Presumption (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above minimum guideline CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 50 points above guideline minimum

2000091404

XXXXXX

PA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 24 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 23.35 points below guideline maximum.

2000091407

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 100 points above guideline minimum CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for > XXX years

2000091414

XXXXXX

WA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 40 points above guideline minimum CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history reflects 0 x 30 for the past 27 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close assets > XXX months above guideline minimum

2000091415

XXXXXX

LA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x99 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close assets >XXX months above guideline minimum

2000091434

XXXXXX

TX

QM: Rebuttable Presumption

QM: Rebuttable Presumption (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 171 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x82 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history reflects 0x30x17

2000091441

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 69 points above guideline minimum CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower resided in departing property for the past XXX years

2000091454

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have > XXX months PITI above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 20 points below guideline maximum of 50% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO >30 points above guideline minimum

2000091455

XXXXXX

GA

QM: Rebuttable Presumption

QM: Rebuttable Presumption (APOR)

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

DTI

Satisfied

C

A

C

A

CRDDTI187

Debt Ratio > 50%

No

Missing fully executed Lease for XXX in the amount of XXXLeases in file are room rents that total XXX

2/27/24 - Lender provided a copy of a missing lease, reducing the DTI to under 50%.

2/27/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 10 points below guideline maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 79 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum.

2000091465

XXXXXX

IL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

State Consumer Protection

Satisfied

D

A

D

A

CMPSTCP2057

Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file

No

Provide Certificate of Compliance. Fee was listed on Closing Disclosure but certificate is missing from file.

2/23/24 - Lender provided a copy of the missing Certificat of Compliance.

2/23/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO >25  points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 11 points below guideline maximum

2000091465

XXXXXX

IL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO >25  points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 11 points below guideline maximum

2000091473

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 66 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 22 points below guideline maximum.

2000091475

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 96 points above guideline minimum CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower XXX for the past XXX years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  - Borrower has > XXX months PITIA above guideline minimum.

2000091476

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 30 points below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000091478

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 35 points below guideline maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 80 points above guideline minimum CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower XXX for the past XXX years

2000091485

XXXXXX

FL

QM: Rebuttable Presumption

QM: Rebuttable Presumption (APOR)

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA2704

RESPA - List of homeowners counseling organizations not compliant

No

Items #4 & #5 on the list of homeowners counseling organizations are duplicates. Affordable XXX XXX1, XXX.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 13 points above guideline minimum

2000091499

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 26 points below guideline maximum

2000091501

XXXXXX

UT

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 5 points below guideline maximum

2000091504

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 5 points below guideline maximum. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 15 points below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000091505

XXXXXX

NV

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 23 points below guideline maximum.

2000091506

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 32.59 points below guideline maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 7 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Credit History: Borrower has 0x30x24 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000091508

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 68 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x99 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 23 points below guideline maximum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  - Borrower has > XXX months PITI above guideline minimum.

2000091515

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor (APOR)

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Texas Home Equity

Satisfied

B

A

B

A

CMPTXHE320

TX Equity - Texas Equity : Missing T.42 Title Endorsement

No

Missing T.42 Title Endorsement.

4/5/24 - Lender provided an updated title policy with the endorsement.

4/5/24 - Exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 26 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x99 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close assets > XXX months above guideline minimum

2000091515

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor (APOR)

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Texas Home Equity

Satisfied

B

A

B

A

CMPTXHE321

TX Equity - Texas Equity : Missing T.42.1 Title Endorsement

No

Missing T.42.1 Title Endorsement.

4/5/24 - Lender provided an updated title policy with the endorsement.

4/5/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 26 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x99 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close assets > XXX months above guideline minimum

2000091515

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor (APOR)

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Texas Home Equity

Satisfied

C

B

C

B

CMPTXHE119

Texas Equity - Affidavit of Fair Market Value not signed by lender

No

Affidavit of Fair Market Value not signed by lender.

4/1/24 - Lender provided a Affidavit of Fair Market signed by the lender.

4/1/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 26 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x99 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close assets > XXX months above guideline minimum

2000091519

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close assets > XXX months above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 53 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x99

2000091534

XXXXXX

FL

(No Data)

ATR/QM: Exempt

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR275

Completed "Subject To" w/o Completion Cert in File

No

Missing Appraisal Completion Certificate 1004d.

3/12/24 - Lender provided a copy of the 1004D reflecting the subject property has been completed.

3/12/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 39.23 points below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is > 29.42 points below guideline maximum

2000091537

XXXXXX

NC

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum

2000091552

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2860: Good credit history - Clayton Comments:  Median FICO > 16 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 16.99 points below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000091558

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score of 752 exceeds program required score 700 by 52 points. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Overall DTI 26.26% below Max guideline DTI 49%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Limited overall credit usage.

2000091561

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 146 points above guideline minimum CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower XXX  for the past XXX yrs CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 15 points below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum

2000091568

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 130 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x72 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 10 points below guideline maximum

2000091584

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 67 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000091586

XXXXXX

TX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Income/Employment

Satisfied

C

A

C

A

CRDINC150

Income docs do not meet guidelines

No

Missing XXX Estimates for both rental properties

2/19/24 - Lender provided a copy of the missing XXX estimates for both rental properties.

2/19/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 10 points below guideline maximum CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 17 points below guideline maximum

2000091603

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 32 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  borrower DTI is < 14.33 points below guideline maximum

2000091605

XXXXXX

GA

QM: Rebuttable Presumption

QM: Rebuttable Presumption (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 71 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 5 points below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  - Borrower has > XXX months PITIA above guideline minimum.

2000091626

XXXXXX

PA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 66 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in departing primary for the past XXX years

2000091629

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 40 points below guideline maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 150 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 20 points below guideline maximum.

2000091632

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA2704

RESPA - List of homeowners counseling organizations not compliant

No

HCO XXX  #4/#5 #7/#8 same

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has XXX years in same profession. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > x 12.86 points below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000091635

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

Documentation

Satisfied

D

A

D

A

CMPDOC225

Missing Rider

No

Missing PUD Rider. Appraisal lists as detached PUD and final CD indicates HOA dues not escrowed and an endorsement, which could be for PUD. Need clarification if property is PUD or SFR.

3/12/24 - Lender provided d copy of an updated appraisal reflecting the property to not be a PUD.

3/12/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower LTV is > 48 points below guideline maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 60 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 8 points below guideline maximum.

2000091643

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 50 points above guideline minimum CFCFS1736: Significant time at current residence - Clayton Comments:  XXX years at current residence

2000091645

XXXXXX

CA

QM: Rebuttable Presumption

QM: Rebuttable Presumption (APOR)

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

DTI

Satisfied

D

A

D

A

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing Payment for 2nd mortgage on REO XXX

2/13/24 - Lender provided a copy of the missing XXX payment on XXX.

2/13/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 100 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower XXX for the past XXX years

2000091645

XXXXXX

CA

QM: Rebuttable Presumption

QM: Rebuttable Presumption (APOR)

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC2408

Income verification does not meet guidelines

No

CPA letter does not state if business license is required.

2/13/24 - Verified Business license has been in place since XXX with the state of XXX.

2/13/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 100 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower XXX for the past XXX years

2000091653

XXXXXX

CA

QM: Rebuttable Presumption

QM: Rebuttable Presumption (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 44 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  : Borrower DTI is > 5 points below guideline maximum.

2000091669

XXXXXX

CA

QM: Rebuttable Presumption

QM: Rebuttable Presumption (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 787 points above guideline minimum CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower XXX for the past XXX years CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 8 points below guideline maximum.

2000091682

XXXXXX

MD

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 102 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  : Borrower DTI is > 23 points below guideline maximum.

2000091685

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 120 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has >XXX months PITIA above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 30 points below guideline maximum.

2000091703

XXXXXX

AZ

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 13 points above guideline minimum

2000091707

XXXXXX

CA

QM: Rebuttable Presumption

QM: Rebuttable Presumption (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 30 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI: Borrower DTI is > 8 points below guideline maximum. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at her current residence for the past XXX years

2000091713

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 99 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x99

2000091715

XXXXXX

CA

QM: Rebuttable Presumption (APOR)

QM: Rebuttable Presumption (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 65 points above guideline minimum

2000091720

XXXXXX

TX

QM: Rebuttable Presumption (APOR)

QM: Rebuttable Presumption (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 50 points above guideline minimum

2000091722

XXXXXX

GA

QM: Rebuttable Presumption

QM: Rebuttable Presumption (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA reserves above minimum guideline CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 40 points below guideline maximum of 50% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history shows as 0x30x108

2000091728

XXXXXX

CA

QM: Rebuttable Presumption (APOR)

QM: Rebuttable Presumption (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 24 points above guideline minimum CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has 0x30x21 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower has 0x30x105 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000091730

XXXXXX

WA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX month PITI above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 20 points below guideline maximum of 50% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 100 points above guideline minimum

2000091731

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 50 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Error CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower XXX for XXX years

2000091736

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 5 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median Fico > 106 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 13 points below guideline maximum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum

2000091739

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 83 points below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000091750

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

Compliance

RESPA

Satisfied

B

A

B

A

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

RESPA - List of homeowners counseling organizations not in file.

3/7/24 - Upon further review, the List of Homeowners Counseling Organizations  list was present in the original loan package.

3/7/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 45 points below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum.

2000091754

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 89 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 5 points below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  - Borrower has > XXX months PITI above guideline minimum.

2000091780

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor (APOR)

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA2704

RESPA - List of homeowners counseling organizations not compliant

No

Items #2 & #3 on the list of homeowners counseling organizations are duplicates. Affordable Home ownership XXX XXX.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 25 points below guideline maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 42 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 17 points below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000091780

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor (APOR)

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER111

Ownership seasoning does not meet minimum per guidelines

No

Ownership seasoning <12 months for a cashout refi.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 25 points below guideline maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 42 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 17 points below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000091793

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 16.39 points below guideline maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 11 points above guideline minimum CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has 0x30x74 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000091799

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA2704

RESPA - List of homeowners counseling organizations not compliant

No

Items #7 & #8 on the list of homeowners counseling organizations are duplicates. Credit Coalition XXX.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0x30x47 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median Fico > 45 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 31 points below guideline maximum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum

2000091824

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower XXX for the past XXX years

2000091833

XXXXXX

CA

QM: Rebuttable Presumption

QM: Rebuttable Presumption (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage History: Borrower has 0x30x26 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 74 points above guideline minimum

2000091847

XXXXXX

MA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  Over XXX years at current profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 20 points above guideline minimum

2000091862

XXXXXX

MD

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  XXX years at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Over XXX remaining after closing

2000091867

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 71 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 8.82 points below guideline maximum.

2000091869

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV/CLTV/HCLTV is > XXX points below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000091878

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Income/Employment

Satisfied

C

A

C

A

CRDINC150

Income docs do not meet guidelines

No

Missing XXX Estimate for XXX. rental.There is lease for XXX, however the 1003 is showing only XXX was used for rental lease.

3/7/24 - Received updated 1003 reflecting XXX/mo rental for XXX, but still missing the XXX Estimate.3/8/24 - Lender provided a copy of the missing XXX Rental estimate.

3/8/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 53 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000091892

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

DTI

Satisfied

D

A

D

A

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing HOI for XXX. Property.

3/7/24 - Lender provided a copy of the XXX property transaction report and the report does not reflect any mortgage on the  XXX property, so no HOI is required.

3/7/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 23 points below guideline maximum.

2000091899

XXXXXX

CA

QM: Rebuttable Presumption

QM: Rebuttable Presumption

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 50 points above guideline minimum CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years at current job.

2000091902

XXXXXX

NC

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 5 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 115 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum

2000091906

XXXXXX

WA

QM: Rebuttable Presumption

QM: Rebuttable Presumption (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO >85 points above guideline minimum

2000091915

XXXXXX

NY

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

DTI

Satisfied

D

A

D

A

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing HOI on primary

3/15/24 - Lender provided evidence the property is in the name of an LLC, no HOI requires.

3/15/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 116 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum.

2000091949

XXXXXX

UT

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 40 points below guideline maximum of 50% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 40 points above guideline minimum

2000091952

XXXXXX

UT

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Application

Satisfied

D

A

D

A

CRDAPP130

Application is incomplete

No

Final 1003 shows all rental properties having mortgages.Missing PITIA for Rental properties.

4/17/24 - Lender provided an updated 1008 an 1003 reflecting all debt and PITI payment on rental properties.

4/17/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 43 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 10 points below guideline maximum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close assets >XXX months above guideline minimum

2000091952

XXXXXX

UT

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

DTI

Satisfied

D

A

D

A

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing PITIA information forXXXXXX.XXXXXX

4/16/24 - Lender provided RE tax and HOI info on all but XXX.  Exception remains4/17/24 - Lender provided explanation XXX is a land only, only RE taxes apply and they were provided,

4/17/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 43 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 10 points below guideline maximum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close assets >XXX months above guideline minimum

2000091953

XXXXXX

UT

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Application

Satisfied

D

A

D

A

CRDAPP130

Application is incomplete

No

1003 Sect: Schedule of Real Estate - does not indicate which properties are Free & Clear and which Priorities have mortgages.

3/6/24 - Lender provided an updated 1003 with each of the properties that are fee and clear having the box checked that a Mortgage Loan does not apply to that particular property.

3/6/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in his primary for the past XXX years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 13 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000091953

XXXXXX

UT

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

DTI

Satisfied

D

A

D

A

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing verification of some or all components of non-subject PITI on all rental properties and 12 month pay histories.

3.6.2023Received missing documents for Rental properties, still missing Mortgage statements and HOI for;XXX (mortgage is with XXX  )XXX, (mortgage with XXX)3.7.2024Rec'd remaing missing HOI and Mtge information

3.6.2023Exception remains open 3.7.2023 Exception Satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in his primary for the past XXX years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 13 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000091953

XXXXXX

UT

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC2408

Income verification does not meet guidelines

No

Missing 12 months bank statements, only 2 months provided. (Used lender income for qualification) Additional conditions may apply.

3.1.2024 - Received from lender 12 months business bank statements for Income (XXX #XXX)

3.1.2024 - Exception Satisficed

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in his primary for the past XXX years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 13 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000091956

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Application

Satisfied

D

A

D

A

CRDAPP3822

Missing or incomplete documentation related to citizenship/residency

No

File missing borrower XXX card

2.23.24 - Lender responded borrower has a TR6 stamp on passport.2/27/24 - Upon further review, the TR6 designated the borrower as a spouse of a XXX.  XXX Card not needed.

2.23.24 - exception remains2/27/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is < 25 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median Fico > 76 points above guideline minimum

2000091971

XXXXXX

CA

QM: Rebuttable Presumption

QM: Rebuttable Presumption (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 5 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 58 points above guideline minimum

2000091975

XXXXXX

CA

QM: Rebuttable Presumption

QM: Rebuttable Presumption (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has 0x30x41 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 60 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000091981

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA reserves above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 40 points below guideline maximum of 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 50 points above guideline minimum

2000091982

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 53 points above guideline minimum CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has 0x30x49 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Median FICO > 93 points above guideline minimum

2000091984

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 21 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower has 0 x 30 x 18

2000091987

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 20 points below guideline maximum CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 15 points below guideline maximum

2000092001

XXXXXX

UT

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have > XXX months PITIA above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 50 points above guideline minimum

2000092043

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 100 points above guideline minimum

2000092053

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Credit/Mtg History

Satisfied

D

A

D

A

CRDCRMH149

Missing support docs for VOM/VOR (e.g. cancelled checks)

No

Private Mtge: Missing 12 month pay history for borrower on XXX.XXX #XXX in name of XXX andXXX #XXX in name of XXX. not our borrower's name.

4/5/24 - Lender provided documentation the property is not in the borrower's name but in the name of a trust and not in teh name of the borrower.

4/5/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  731 middle score exceeds minimum of 620 per guides CFCFS1737: LTV below guideline requirements - Clayton Comments:  56% below program max of 80% CFCFS2860: Good credit history - Clayton Comments:  No historical derogatory credit

2000092066

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 18 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower has 0x30x31 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000092074

XXXXXX

NJ

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation.  Subject is a 3 family no XXX score available.

3/18/24 - Lender provided a XXX valuation report.

3/18/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 32.5 points below guideline maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 93 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > x 33.31 months PITIA above guideline minimum.

2000092081

XXXXXX

CO

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > points below guideline maximum. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with current employer for the past XXX years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 57 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  : Borrower DTI is > 8 points below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  - Borrower has > XXX months PITI above guideline minimum.

2000092083

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for XXX years .

2000092096

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR5351

Insurance Effective date is greater than the transaction date

No

Policy in file has, Effective Date on HOI is XXX and Expires XXX

3/20/24 - Lender provided a copy of the missing HOI that was in effect from XXX - XXX

3/20/24 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 38 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 29 points below guideline maximum. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 57 points below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000092102

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 121 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum

2000092104

XXXXXX

FL

QM: Rebuttable Presumption

QM: Rebuttable Presumption (APOR)

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Credit/Mtg History

Satisfied

C

A

C

A

CRDCRMH148

Credit report stale dated at closing

No

Missing Credit Report for C/B, XXX

2/28/24 - Located copy of current credit report for XXX.

2/28/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  : Median FICO > 61 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000092106

XXXXXX

OK

QM: Rebuttable Presumption

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 54 points above guideline minimum

2000092107

XXXXXX

CA

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

C

A

C

A

CRDTER3122

Loan documents do not meet guideline requirements

No

Missing XXXX "Borrowers Intent to Proceed with Loan and Business Purpose Loan Certification".

3/8/24 - Lender provided a copy of the missing Borrower Intent to Proceed and Business Purpose Loan Certification.

3/8/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 63 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000092109

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 98 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 8.57 points below guideline maximum.

2000092116

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA2704

RESPA - List of homeowners counseling organizations not compliant

No

HCO XXX  #7/#8 same not in compliant.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 45 points below guideline maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 171 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 19 points below guideline maximum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000092117

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 37 points below guideline maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 134 points above guideline minimum CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower XXX for the past XXX years

2000092121

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 79 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower has 0x30x65

2000092123

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Median FICO > 63 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000092127

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49%

2000092137

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO  > 46 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum

2000092143

XXXXXX

NC

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 115 points above guideline minimum CFCFS1739: Postive mortgage payment history - Clayton Comments:  0 x 30 x 60 x 22mos CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum

2000092169

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 100 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 50%

2000092174

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 63 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 12 points below guideline maximum.

2000092177

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are XXX.45 or XXX months of PITIARequired PITIA Reserves are XXX x 6 = $XXX CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 92 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is < 16.15 points below guideline maximum CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is < 25 points below guideline maximum

2000092185

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA2704

RESPA - List of homeowners counseling organizations not compliant

No

Items #5 & #6 on the list of homeowners counseling organizations are duplicates. XXX, .

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 15 points below guideline maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 25 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000092185

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID5107

TRID - Seller CD not in file; need in order to complete fee entry

No

Provide Seller CD.

3/8/24 - Lender provided a copy of the seller CD

3/8/24 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 15 points below guideline maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 25 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000092189

XXXXXX

NV

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 50 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 8 points below guideline maximum

2000092190

XXXXXX

CA

QM: Rebuttable Presumption

QM: Rebuttable Presumption (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 40 points above guideline minimum CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has rented his current primary for the past XXX years

2000092196

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 26 points below guideline maximum

2000092197

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 50 points above guideline minimum CFCFS2854: Significant time in profession - Clayton Comments:  XXX years in profession

2000092217

XXXXXX

PA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum.

2000092222

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has 0x30x58 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 12.64 points below guideline maximum.

2000092244

XXXXXX

GA

QM: Rebuttable Presumption

QM: Rebuttable Presumption (APOR)

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Income/Employment

Satisfied

C

A

C

A

CRDINC889

Income is Not Reasonable

No

Type of business not disclosed to determine if income is reasonable.

3/15/24 - Lender provided evidence of type of business the borrower owns, income deemed reasonable.

3/15/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 50 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 16 points below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000092245

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA2704

RESPA - List of homeowners counseling organizations not compliant

No

Items #1 & #2 on the list of homeowners counseling organizations are duplicates. #6 has the same website and phone # as items #1 & #2.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 20 points below guideline maximum of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 75%

2000092291

XXXXXX

CT

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence, XXX years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is < 35.07 points below guideline maximum of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 29 points below guideline maximum.

2000092303

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

DTI

Satisfied

D

A

D

A

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing HOI for XXX property owned Free & Clear

3/12/24 - Lender indicated the property is owned free and clear, no HOI is required.

3/12/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  : Borrower DTI is > 25 points below guideline maximum. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower resided in her departing primary for the past XXX years

2000092306

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 37 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower has 0x30x37 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 8.14 points below guideline maximum.

2000092308

XXXXXX

GA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 84 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x99

2000092315

XXXXXX

NJ

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 33 points above guideline minimum

2000092317

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3676

TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.

No

Ten percent tolerance of $14.70 due to Recording fee increased on XXX with no valid reason in file. Provide PCCD with cure, copy of cure check, LOE to Borrower and Evidence of delivery via method including tracking information within 60 days of discovery.

3/6/24 - Upon further review, the XXX PCCD reflects a Escrow Cure for Excess on Recording Fees charged in the amount of $43.00.

3/6/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 69 points above guideline minimum

2000092321

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 26 points above guideline minimum CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has 0x30x21 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000092323

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA reserves above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 30 points below guideline maximum of 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 100 points above guideline minimum

2000092325

XXXXXX

TX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Insurance

Satisfied

D

A

D

A

CRDINSR848

Missing Hazard Insurance

No

Missing hazard binder. Document in file is a blank form.

3/12/24 - Lender provided a complete copy of the HOI.

3/12/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has 0x30x13 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 40.24 points below guideline maximum. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current job for XXX years.

2000092330

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median Fico > 34 points above guideline minimum CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0x30x54 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum

2000092339

XXXXXX

CO

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 45 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 8 points below guideline maximum. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has 0x30x48

2000092357

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 23 points above guideline minimum CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for the past XXX years

2000092359

XXXXXX

CA

QM: Rebuttable Presumption

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 14 points below guideline maximum CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 11 points below guideline maximum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median Fico > 67 points above guideline minimum

2000092376

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  borrower has 0x30x25 CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession, XXX years.

2000092381

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 70 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Credit History: Borrower has 0x30x62 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000092383

XXXXXX

NV

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  borrower has > XXX months PITIA above guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 63 points above guideline minimum

2000092387

XXXXXX

CA

QM: Rebuttable Presumption

QM: Rebuttable Presumption (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 30 points above guideline minimum

2000092397

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA reserves above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 40 points above guideline minimum

2000092398

XXXXXX

NV

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 45 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x99 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close assets > XXX months above guideline minimum

2000092402

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 8 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median Fico > 27 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 16 points below guideline maximum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum

2000092403

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 13 points below guideline maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 40 points above guideline minimum

2000092417

XXXXXX

AL

QM: Safe Harbor

QM: Safe Harbor (APOR)

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

Compliance Manual

Satisfied

D

A

D

A

CMPMAN2956

Missing disclosure

No

Missing Final CD. Initial CD in file with close date of XXX, Note is dated XXX.

3/18/24 - Lender provided a copy of the missing final CD

3/18/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 50 points above guideline minimum

2000092432

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 29.55 points below guideline maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 42 points above guideline minimum CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has 0x30x15 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000092435

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 39 points below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000092447

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 30 points below guideline maximum of 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 80%

2000092459

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 41 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000092462

XXXXXX

FL

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC3204

Income Documentation Missing

No

Missing the conversion of B1 income document, additional exceptions may apply.

3/27/24 - Lender provided a copy of the XXX to XXX conversion XXX in the original loan package.

3/27/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1752: No Verified Compensating Factors - Clayton Comments:  No Verified Compensating Factors

2000092464

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0x30x75 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum

2000092473

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 92 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 9.02 points below guideline maximum. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 5 points below guideline maximum.

2000092483

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 45% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 75%

2000092490

XXXXXX

DC

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 112 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x99 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history reflects 0 x 30 for the past 39 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close assets > XXX months above guideline minimum

2000092494

XXXXXX

PA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 50 points above guideline minimum CFCFS1736: Significant time at current residence - Clayton Comments:  Over XXX years at current residence

2000092495

XXXXXX

NC

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC2408

Income verification does not meet guidelines

No

Letter from XXX. in file dated XXXOver year old, Need updated Letter

3/20/24 - Lender provided an updated letter from the XXX.

3/20/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  Median FICO > 115 points above guideline minimum CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has 0x30x57 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 12.98 points below guideline maximum.

2000092531

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 111 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 10 points below guideline maximum.

2000092548

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

C

A

A

A

D

B

D

B

C

A

A

A

D

B

Compliance

Compliance Manual

Satisfied

D

A

D

A

CMPMAN2956

Missing disclosure

No

Missing Final LE dated XXX per tracking in file.

4/5/24 - Lender provided a copy of the final LE

4/5/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x95 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close assets > XXX months above guideline minimum

2000092548

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

C

A

A

A

D

B

D

B

C

A

A

A

D

B

Compliance

Texas Home Equity

Satisfied

C

B

C

B

CMPTXHE119

Texas Equity - Affidavit of Fair Market Value not signed by lender

No

Texas Equity - Affidavit of Fair Market Value not signed by lender.

4/5/24 - Lender provided a copy of the Fair market value disclosure.

4/5/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x95 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close assets > XXX months above guideline minimum

2000092548

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

C

A

A

A

D

B

D

B

C

A

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

Zero percent tolerance of $XXX due to Discount Points increased on XXX with no valid reason in file. Provide Final LE and COC shown on tracking for XXX or PCCD with cure, copy of cure check, LOE to Borrower and Evidence of delivery via method including tracking information within 60 days of discovery.

4/5/24 - Lender provided a copy of the final LE

4/5/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x95 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close assets > XXX months above guideline minimum

2000092548

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

C

A

A

A

D

B

D

B

C

A

A

A

D

B

Credit

Terms/Guidelines

Satisfied

C

A

C

A

CRDTER3122

Loan documents do not meet guideline requirements

No

Missing percentage of Borrower's ownership of the business on the CPA letter

4/9/24 - Lender provided in formation that they agree with the CPA letter the borrower is 100% owner based on him reviewing the Sch C on the tax returns.

4/9/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x95 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close assets > XXX months above guideline minimum

2000092554

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 100 points above guideline minimum

2000092556

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 18 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median Fico > 56 points above guideline minimum CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0x30x99 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 3 points below guideline maximum

2000092563

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 104 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x99 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history reflects 0 x 30 for the past 30 months.

2000092566

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 14 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x82 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history reflects 0 x 30 for the past 31 months.

2000092577

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 15 points below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000092583

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

D

A

D

A

A

A

B

A

D

A

D

A

A

A

B

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

B

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 20 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 100 points above guideline minimum CFCFS2854: Significant time in profession - Clayton Comments:  XXX years in profession

2000092583

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

D

A

D

A

A

A

B

A

D

A

D

A

A

A

B

A

Credit

Application

Satisfied

D

A

D

A

CRDAPP130

Application is incomplete

No

Missing Final closing statement for pending sale of XXX and proof of XXX mortgage loan# XXX and specialized Loan Service loanXXX are paid off.

3/26/24 - A 1003 was provided, but does not provide proof of payoff of the 2 mortgages referenced above. - Exception remains.3/26/24 - Lender provided an updated 1003 and 1008 reflecting the borrower paying the 2 mortgages, Clayton and XXX DTI's match.

3/26/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 20 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 100 points above guideline minimum CFCFS2854: Significant time in profession - Clayton Comments:  XXX years in profession

2000092585

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 80 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 34 points below guideline maximum.

2000092589

XXXXXX

MD

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession, XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 66 points above guideline minimum CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  borrower has 0x30x82 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are XXX or XXX months of PITIARequired PITIA Reserves are XXX x 6 = XXX CFCFS1744: DTI below guideline requirement - Clayton Comments:  borrower DTI is < 45.20 points below guideline maximum CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is < 68 points below guideline maximum

2000092604

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor (APOR)

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

Compliance

Federal Consumer Protection

Satisfied

B

A

B

A

CMPFDCP847

TILA - ARM Loan Program Disclosure after 3 days from application

No

Missing initial Arm Disclosure dated XXX.

3/12/24 - Lender provided a copy of the Early ARM Disclosure issued at applicaton.

3/12/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > 45 months PITIA above guideline requirement CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 50 points below guideline maximum of 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 100 points above guideline minimum

2000092607

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 62 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is > 10 points below guideline CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 14.17 points < below guideline

2000092616

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 118 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x70 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 08 points below guideline maximum

2000092620

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Median FICO > 89 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000092623

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Real Estate Broker is same company for both Borrower and Seller, fees just were not split 50/50 on the CD. Exception satisfied.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 43 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median Fico > 105 points above guideline minimum

2000092623

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Assets

Satisfied

C

A

C

A

CRDAST205

Insufficient Funds to Close

No

Borrower's Post Close Assets are (XXX) or (-XXX) months of PITIA reserves Required PITIA Reserves are XXX x 6 months = XXX

3/14/24 - Lender provided a CPA letter funds used from business account would not adversely affect the business operations.

3/14/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 43 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median Fico > 105 points above guideline minimum

2000092623

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Assets

Satisfied

C

A

C

A

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Borrower's Post Close Assets are (XXX) or (-XXX) months of PITIA reserves Required PITIA Reserves are XXX x 6 months = XXX.

3/14/24 - Lender provided a CPA letter funds used from business account would not adversely affect the business operations.

3/14/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 43 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median Fico > 105 points above guideline minimum

2000092637

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 9.35 points below guideline maximum.

2000092644

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI reserves above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 20 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 100 points above guideline minimum

2000092653

XXXXXX

TX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 55 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower has 0x30x59 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 53.68 points below guideline maximum. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 9.84 points below guideline maximum.

2000092660

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 5 points below guideline maximum CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 11 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 45 points above guideline minimum

2000092661

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Canceled added in error. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 131 points above guideline minimum

2000092676

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 50% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 100 points above guideline minimum

2000092679

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 77 points above guideline minimum CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower XXX for the past XXX years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in their Primary (subject) for the past XXX years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum.

2000092690

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor (APOR)

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID5107

TRID - Seller CD not in file; need in order to complete fee entry

No

Seller CD not in file

3/18/24 - Lender provided a copy of the missing seller CD

3/18/24 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 68 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 15.39 points below guideline maximum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum

2000092691

XXXXXX

WA

QM: Rebuttable Presumption

QM: Rebuttable Presumption (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 36 points above guideline minimum CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  borrower has 0x30x33

2000092707

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 82 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 19 points below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000092712

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor (APOR)

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

DTI

Satisfied

D

A

D

A

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing verification of  all components of non-subject PITIXXX. - Property Report shows ownershipMissing Property Report for XXX.

3/21/24 - Lender documented the 2 properties are one in the same, the APN number matches on both documents.

3/21/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 15 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 21 points below guideline maximum.

2000092722

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 50 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI reserves above guideline minimum

2000092728

XXXXXX

WA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 134 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x53 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history reflects 0 x 30 for the past 18 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum.

2000092746

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Application

Satisfied

D

A

D

A

CRDAPP130

Application is incomplete

No

1003 reflect assets with XXX, Statements in file are XXX.Correct 1003 or provide XXX statements

4/16/24 - Lender provided updated 1003 reflecting XXX Bank accounts.

4/16/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0x30x52 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 11 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median Fico > 28 points above guideline minimum

2000092746

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Assets

Satisfied

C

A

C

A

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Borrower's Post Close Assets are XXX or XXX months of PITIA reserves Required PITIA Reserves are XXX x 6 months = XXX

4/16/24 - Lender provided an updated bank statement with sufficient funds to meet the reserves requirements.

4/16/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0x30x52 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 11 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median Fico > 28 points above guideline minimum

2000092761

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 15 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median Fico > 88 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 13 points below guideline maximum

2000092766

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Over XXX years at current job

2000092767

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 80 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x85

2000092780

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 50 points above guideline minimum

2000092781

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 55 points below guideline maximum CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0x30x99 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum

2000092783

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 44 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 5.52 points below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000092821

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 76 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x94

2000092823

XXXXXX

FL

QM: Rebuttable Presumption

QM: Rebuttable Presumption (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 27 points above guideline minimum

2000092836

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median Fico > 137 points above guideline minimum CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0x30x58 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 24 points below guideline maximum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum

2000092853

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 54 points above guideline minimum CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has 0x30x32 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower has 0x30x247 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is > 4.77 points below guideline maximum.

2000092856

XXXXXX

NV

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Application

Satisfied

D

A

D

A

CRDAPP130

Application is incomplete

No

Missing "BUSINESS PURPOSE LOAN CERTIFICATION" the one in file is not signed.Required by GL's

3/28/24 - Lender provided a copy of the Business Purposes Loan Certification.

3/28/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession, XXX years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  0 x 30 x 60 x 99 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 86 points above guideline program minimum of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000092872

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  : Median FICO > 150 points above guideline minimum CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at departing primary for the past XXX years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 7 points below guideline maximum.

2000092872

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3676

TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.

No

Per Review, Lender exceeded 10% tolerance by $264.90.  No evidence of refund is in the file.

3/28/24 - Lender provided a copy of the missing COC for the fee increases.

3/28/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  : Median FICO > 150 points above guideline minimum CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at departing primary for the past XXX years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 7 points below guideline maximum.

2000092885

XXXXXX

IL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 145 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 5 points below guideline maximum.

2000092894

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 102 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 16 points below guideline maximum.

2000092896

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor (APOR)

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Title

Satisfied

D

A

D

A

CRDTIL796

Missing Title

No

Missing Title Report

3/25/24 - Lender provided a copy of the missing Title.

3/25/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 30 points below guideline maximum of 49X% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 30 points below guideline maximum of 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 100 points above guideline minimum

2000092900

XXXXXX

WA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 14 points below guideline maximum CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0x30x94 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 38 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum

2000092902

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median Fico > 78 points above guideline minimum CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0x30x54 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 29 points below guideline maximum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum

2000092906

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 96 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x99 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history reflects 0 x 30 for the past 41 months.

2000092919

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor (APOR)

D

A

D

A

A

A

C

A

D

A

D

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX.

3/27/24 - Lender provided a copy of the XXX tracking reflecting the borrower agreed to the E-consent on XXX

3/27/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum

2000092919

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor (APOR)

D

A

D

A

A

A

C

A

D

A

D

A

A

A

C

A

Credit

Application

Satisfied

D

A

D

A

CRDAPP3822

Missing or incomplete documentation related to citizenship/residency

No

Missing borrower's valid XXX

3/27/24 - Lender provided copies of the borrower's XXX and US ID's.

3/27/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum

2000092925

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  borrower has > XXX months PITIA above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  : Median FICO > 11 points above guideline minimum

2000092938

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 125 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 22 points below guideline maximum

2000092940

XXXXXX

IL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 05 points below guideline maximum CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for the past: XXX years

2000092945

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA reserves above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 20 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 50 points above guideline minimum.

2000092948

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 110 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x99

2000092949

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor (APOR)

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Texas Home Equity

Satisfied

C

B

C

B

CMPTXHE119

Texas Equity - Affidavit of Fair Market Value not signed by lender

No

Affidavit of Fair Market Value not signed by lender

4/2/24 - Lender provided a signed copy of the missing Fair Market Value disclosure.

4/2/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum

2000092957

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 91 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 22 points below guideline maximum.

2000092963

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA reserves above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 50 points above guideline minimum CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  XXX months paid as agreed

2000092967

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Application

Satisfied

D

A

D

A

CRDAPP130

Application is incomplete

No

This is a purchase of a Primary residence, there is no agreement on when the Tenant is departing property. There is an assignment of rents in file.

4/4/24 - Per the purchase contract, the purchase contract the property will be vacated by XXX.

4/4/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has rented departing residence for the past XXX years.

2000092976

XXXXXX

NV

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA reserves above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 13 points below guideline maximum. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Over XXX years at current job

2000092977

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 100 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 5 points below guideline maximum of 49%

2000093011

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 44 points below guideline maximum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median Fico > 36 points above guideline minimum

2000093012

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA reserves above guideline minimum CFCFS1734: Borrower has significant time at current job - Clayton Comments:  over XXX years at current job

2000093016

XXXXXX

MA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 37 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x99

2000093019

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 78 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 8 points below guideline maximum CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's have resided in their current primary for the past XXX years CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower XXX Artist for the past XXX years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000093024

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 54 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is < 5% below guideline maximum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  - Borrower has > XXX months PITIA above guideline minimum.

2000093035

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

A

A

B

A

D

A

D

A

A

A

B

A

Compliance

Federal Consumer Protection

Satisfied

B

A

B

A

CMPFDCP847

TILA - ARM Loan Program Disclosure after 3 days from application

No

Loan started as Fixed Rate but changed to I/O ARM on XXX CD. No ARM disclosure in file 3 business days after program change, only closing ARM disclosure found on XXX.

4/5/24 - Lender provided a copy of the missing Early ARM Disclosure.

4/5/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 66 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x71 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history reflects 0 x 30 for the past 26 months.

2000093035

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

A

A

B

A

D

A

D

A

A

A

B

A

Credit

DTI

Satisfied

D

A

D

A

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing HOI for XXX. Property

4/5/24 - Lender provided 2 month statements with 2 different payments, unable to determine monthly HOI - exception remains4/9/24 - Using the monthly mortgage statement, we were able to deduct teh RE taxes from the payment to arrive at HOI rate of $XXX/mo.

4/9/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 66 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x71 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history reflects 0 x 30 for the past 26 months.

2000093048

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 18 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x37

2000093048

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC2408

Income verification does not meet guidelines

No

Missing 12 month P&L, only 1 month provided.

4/3/24 - Lender provided a 14 month P&L, along with revised 1008.

4/3/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 18 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x37

2000093051

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 100 points above guideline minimum

2000093052

XXXXXX

MD

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA reserves  above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 50 points above guideline minimum CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Over XXX years at current job

2000093058

XXXXXX

CA

QM: Rebuttable Presumption

QM: Rebuttable Presumption (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1745: Significant total monthly debt reduction - Clayton Comments:  Over XXX monthly debt reduction

2000093064

XXXXXX

GA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  borrower has > XXX months PITIA above guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 22 points above guideline minimum

2000093112

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  XXX years at current residence CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI at 32.77% CFCFS2854: Significant time in profession - Clayton Comments:  XXX years on job

2000093125

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have > XXX months PITIA reserves above guideline minimum. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 15 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 50 points above guideline minimum

2000093126

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have > XXX months PITI reserves above guideline minimum CFCFS2854: Significant time in profession - Clayton Comments:  B1 in same line of work for XXX years

2000093140

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX.

4/2/24 - Upon further review, the XXX tracking reveals the borrower e-accepted each document on the day they were issued.

4/2/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median Fico > 61 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 5 points below guideline maximum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum

2000093148

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 14 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  borrower has > XXX months PITIA above guideline minimum. CFCFS1737: LTV below guideline requirements - Clayton Comments:  borrower LTV is < 3.01 % below guideline maximum

2000093167

XXXXXX

TX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

DTI

Satisfied

D

A

D

A

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing verification of all components of non-subject PITI for the 2 newly acquired Properties; XXX.XXX.

3/29/24 - Received HOI on both properties, still missing Real Estate taxes,4/2/24 - Lender provided copies of the tax bills for both XXX.

4/2/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 50%

2000093167

XXXXXX

TX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC3204

Income Documentation Missing

No

Missing Leases and/or XXX Estimates for XXX . & XXX.

4/2/24 - Lender provided copies of the XXX Rental Estimates for both houses.

4/2/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 50%

2000093171

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 90 points above guideline minimum 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves are XXX or XXX months PITIRequired reserves are XXX months PITI XXXx6= XXX CFCFS1744: DTI below guideline requirement - Clayton Comments:  borrower DTI is < 11.98 points below guideline maximum CFCFS1737: LTV below guideline requirements - Clayton Comments:  borrower LTV is < 22.22 points below guideline maximum

2000093199

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX PITIA above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 50 points above guideline minimum

2000093220

XXXXXX

UT

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

The seller-paid broker commission fee was able to be sourced from the Seller's CD XXX. The exception is being satisfied.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 85 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 05 points below guideline maximum

2000093223

XXXXXX

LA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3640

TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided

No

Missing evidence of change of circumstances letter for Zero tolerance,(Appraisal) increase, Credit of 131.25 on CD which is not enough to cover XXX; need a copy of a refund check in the amount of $XXX.

3/29/24 - Upon further review, the COC was present in  the original loan document package for the change in the fees.

3/29/24 - Exception satisfied.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 25 points above guideline minimum 680 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is < 15.44 points below guideline maximum 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 5% below guideline requirements 80%

2000093228

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 73 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x69 CFCFS1739: Postive mortgage payment history - Clayton Comments:  Mortgage history reflects 0 x 30 for the past 24 months.

2000093265

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 7 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median Fico > 107 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 4 points below guideline maximum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum

2000093282

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0x30x42

2000093292

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 6 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 82 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum

2000093300

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median Fico > 79 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 5 points below guideline maximum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum

2000093303

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 116 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  borrower DTI is < 26.12 points below guideline maximum CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is < 29.68 points below guideline maximum

2000093326

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  borrower has > XXX months PITIA above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  borrower DTI is < 26.11 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 26.11 points above guideline minimum

2000093340

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 10 points below guideline maximum CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is < 15 points below guideline maximum

2000093354

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. No Commissions fee were paid out.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 30 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 9 points below guideline maximum of 49% CFCFS1736: Significant time at current residence - Clayton Comments:  Over XXX years at current residence.

2000093389

XXXXXX

GA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's have > XXX months PITI reserves above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 100 points above guideline minimum

2000093432

XXXXXX

IN

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 20 points below guideline maximum of 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 100 points above guideline minimum

2000093444

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 20 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 84 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 11 points below guideline maximum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum

2000093448

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITI above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 50 points below guideline maximum of 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 100 points above guideline minimum

2000093450

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 84 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000093473

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 106 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x46 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history reflects 0 x 30 for the past 24 months.

2000093480

XXXXXX

GA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 20 points below guideline maximum of 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 50 points above guideline minimum

2000093488

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median Fico > 75 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 9 points below guideline maximum

2000093578

XXXXXX

TX

QM: Rebuttable Presumption

QM: Rebuttable Presumption (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum CFCFS2854: Significant time in profession - Clayton Comments:  XXX years in profession.

2000093614

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 10 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments:  borrower LTV is < 5 points below guideline maximum

2000093677

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 16 points below guideline maximum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum

2000093685

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 108 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is < 15.98 points below guideline maximum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

2000093733

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 50 points above guideline minimum

2000093752

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 89 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit show 0x30x82 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history reflects 0 x 30 for the past 27 months.

2000093908

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  borrower DTI is < 15.98 points below guideline maximum CFCFS1737: LTV below guideline requirements - Clayton Comments:  borrower LTV is < 5 points below guideline maximum

2000094006

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 5 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median Fico > 46 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 16 points below guideline maximum

4000003779

XXXXXX

NC

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's score is 120 pts higher than the minimum allowed by guidelines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has XXX months more in PITIA reserves than the required XXX months PITIA reserves required by guidelines.

4000003808

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median Fico > 91 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 16.50%, maximum allowed 75% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0x30x99 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are XXX or XXX months of PITIA reserves Required PITIA Reserves are XXX x 3 months = XXX.

4000003900

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 35 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

4000003903

XXXXXX

NV

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 5 points below guideline maximum CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 14 points below guideline maximum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum

4000003905

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 31.43 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median Fico > 100 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are XXX or XXX months of PITIA reserves Required PITIA Reserves are XXX x 3 months = XXX.

4000003918

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 5 points below guideline maximum.

4000003924

XXXXXX

NV

QM: Rebuttable Presumption

QM: Rebuttable Presumption (APOR)

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

C

A

C

A

CMPATRQM2900

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination.

No

Lender shows ATR Exempt vs Rebuttable Presumption

2.6.24 - Lender provided updated tape

2.6.24 - Exception satisfied

(No Data)

Not Applicable

CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Installment debt shows 0x30x36 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 48 points above guideline minimum

4000003924

XXXXXX

NV

QM: Rebuttable Presumption

QM: Rebuttable Presumption (APOR)

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception Satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Installment debt shows 0x30x36 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 48 points above guideline minimum

4000003940

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 11 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 90 points above guideline minimum CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0x30x78

4000003942

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 20 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median Fico > 104 points above guideline minimum

4000003944

XXXXXX

NV

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Application

Satisfied

D

A

D

A

CRDAPP130

Application is incomplete

No

Pg1 of Application shows subject XXX as the borrower's Primary residence.Apprsl shows Owner OccupiedPg3 shows being retained as an investment and being refinanced as investment, there is also the signed Disclosure "Borrower's Intent to Proceed with Loan and Business Purpose Loan Certification" reason is; to expand business.Provide updated Primary housing information

2/29/24 - Lender provided a copy of application for file number XXX, and LOX reflecting the borrower intends to move from current residence and have it become a rental property.

2/29/24 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 18 points below guideline maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 27 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  - Borrower has > XXX months PITIA above guideline minimum.

4000003945

XXXXXX

NV

QM: Rebuttable Presumption

QM: Rebuttable Presumption (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 27 points above guideline minimum

4000003946

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 11 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 19 points above guideline minimum

4000003949

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

C

B

B

B

A

A

C

B

C

B

B

B

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3952

TRID - CD: The CD Projected Payments section and the CD Loan Disclosures section are not consistent in regards to whether or not an escrow account will be established

No

On CD XXX and XXX under section "Loan Disclosures", "Escrow Account", page 4, is checked as "will have escrows" which contradicts the section "Projected Payments", "Estimated Taxes, Insurance and Assessments", page 1, which all boxes are checked "no" for escrows.

3/11-24 - Lender provided an updated XXX CD reflecting loan does not have an escrow account.

3/11/24 - Exception satisfied.

Non-Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 20.47 points below guideline maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 48 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

4000003949

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor (APOR)

C

B

B

B

A

A

C

B

C

B

B

B

A

A

C

B

Credit

Income/Employment

Active

B

B

B

B

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

Missing Verbal Verification of Employment dated within 90 days prior to Note date XXX Verification in file is dated XXX.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 20.47 points below guideline maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 48 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

4000003953

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  - Borrower has > XXX months PITIA above guideline minimum. CFCFS1736: Significant time at current residence - Clayton Comments:  Lives at current Primary for the past XXX years CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is > 18 points below guideline maximum.

4000003954

XXXXXX

NV

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median Fico > 64 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 3 points below guideline maximum

4000003954

XXXXXX

NV

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR5351

Insurance Effective date is greater than the transaction date

No

HOI Effective date XXXFinal CD Disbursement date XXX

3/4/24 - Lender provided a copy of the updated HOI reflecting an effective date of XXX.

3/4/24 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median Fico > 64 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 3 points below guideline maximum

4000003955

XXXXXX

NV

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception Satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 41 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has >XXX months PITIA above guideline minimum.

4000003960

XXXXXX

LA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

4000003962

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum

4000003968

XXXXXX

NV

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 16 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 25 points above guideline minimum

4000003969

XXXXXX

NV

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 43 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median Fico > 64 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum

4000003972

XXXXXX

NV

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception Satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 11 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median Fico > 66 points above guideline minimum

4000003984

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception Satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 106 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is > 23 points below guideline maximum. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  0 x 30 x 60 x 54 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  - Borrower has > XXX months PITIA above guideline minimum

Client Name:
Client Project Name:	PRKCM 2024-HOME1
Start - End Dates:	11/28/2023 - 4/4/2024
Deal Loan Count:	334
Conditions Report 2.0
Loans in Report:	334
Loans with Conditions:	105

Loan Number

TRID Indicator

Lender Application Date

Broker Application Date

Initial Securitization Overall Loan Grade

Final Securitization Overall Loan Grade

Initial Securitization Credit Loan Grade

Final Securitization Credit Loan Grade

Initial Securitization Property Valuations Loan Grade

Final Securitization Property Valuations Loan Grade

Initial Securitization Compliance Loan Grade

Final Securitization Compliance Loan Grade

Initial S&P Overall Loan Grade

Final S&P Overall Loan Grade

Initial S&P Credit Loan Grade

Final S&P Credit Loan Grade

Initial S&P Property Valuations Loan Grade

Final S&P Property Valuations Loan Grade

Initial S&P Compliance Loan Grade

Final S&P Compliance Loan Grade

Did Lender Acknowledge Exception at Origination

1000800870

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

1090300684

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

1090300695

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

1090300703

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Not Applicable

1090300722

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

1090300740

Yes

XXXXXX

XXXXXX

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Not Applicable

1100501038

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

1100501061

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

1100501068

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

1100501083

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000085624

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000086313

Yes

XXXXXX

XXXXXX

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Not Applicable

2000087533

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000088432

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Not Applicable

2000088541

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000088779

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000088993

Yes

XXXXXX

XXXXXX

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Not Applicable

2000089446

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000089448

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

2000089697

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000090100

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000090124

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000090346

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000090366

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000090436

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000090444

Yes

XXXXXX

XXXXXX

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Not Applicable

2000090483

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000090529

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000090653

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000090793

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000090811

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000090831

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

2000090855

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

2000090881

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

2000090882

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

2000090921

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000090955

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000090956

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000090975

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000090989

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000090991

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091019

Yes

XXXXXX

XXXXXX

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

Not Applicable

2000091032

Yes

XXXXXX

XXXXXX

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

Not Applicable

2000091077

Yes

XXXXXX

XXXXXX

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Not Applicable

2000091134

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091161

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091174

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091189

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

2000091213

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091228

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091230

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091271

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091324

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

2000091332

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091355

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091360

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

2000091373

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091375

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091392

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091394

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Not Applicable

2000091397

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091401

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091404

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091407

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091414

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091415

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091434

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091441

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091454

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091455

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

2000091465

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Not Applicable

2000091473

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091475

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091476

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091478

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091485

Yes

XXXXXX

XXXXXX

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Not Applicable

2000091499

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091501

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091504

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091505

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091506

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091508

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091515

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

2000091519

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091534

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

2000091537

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091552

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091558

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

2000091561

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091568

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091584

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091586

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

2000091603

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091605

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091626

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091629

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091632

Yes

XXXXXX

XXXXXX

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Not Applicable

2000091635

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Not Applicable

2000091643

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091645

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

2000091653

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091669

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091682

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091685

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091703

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091707

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091713

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091715

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091720

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091722

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091728

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091730

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091731

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091736

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091739

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091750

Yes

XXXXXX

XXXXXX

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

Not Applicable

2000091754

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091780

Yes

XXXXXX

XXXXXX

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Not Applicable

2000091793

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091799

Yes

XXXXXX

XXXXXX

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Not Applicable

2000091824

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091833

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091847

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091862

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091867

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091869

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091878

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

2000091892

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

2000091899

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091902

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091906

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091915

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

2000091949

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091952

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

2000091953

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

2000091956

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

2000091971

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091975

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091981

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091982

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091984

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000091987

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092001

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092043

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092053

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

2000092066

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092074

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

2000092081

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092083

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092096

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

2000092102

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092104

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

2000092106

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

2000092107

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

2000092109

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092116

Yes

XXXXXX

XXXXXX

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Not Applicable

2000092117

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092121

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092123

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092127

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092137

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092143

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092169

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092174

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092177

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092185

Yes

XXXXXX

XXXXXX

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Not Applicable

2000092189

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092190

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092196

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092197

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092217

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092222

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092244

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

2000092245

Yes

XXXXXX

XXXXXX

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Not Applicable

2000092291

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092303

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

2000092306

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092308

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092315

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092317

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

2000092321

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092323

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092325

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

2000092330

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092339

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092357

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092359

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092376

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092381

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092383

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092387

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

2000092397

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092398

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092402

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092403

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092417

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Not Applicable

2000092432

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092435

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092447

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092459

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092462

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

2000092464

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092473

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092483

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092490

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092494

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092495

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

2000092531

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092548

Yes

XXXXXX

XXXXXX

D

B

C

A

A

A

D

B

D

B

C

A

A

A

D

B

Not Applicable

2000092554

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092556

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092563

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092566

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092577

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092583

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

B

A

D

A

D

A

A

A

B

A

Not Applicable

2000092585

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092589

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092604

Yes

XXXXXX

XXXXXX

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

Not Applicable

2000092607

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092616

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092620

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092623

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

2000092637

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092644

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092653

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092660

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092661

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092676

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092679

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092690

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Not Applicable

2000092691

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092707

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092712

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

2000092722

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092728

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092746

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

2000092761

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092766

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092767

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092780

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092781

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092783

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092821

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092823

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092836

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092853

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092856

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

2000092872

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

2000092885

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092894

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092896

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

2000092900

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092902

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092906

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092919

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

C

A

D

A

D

A

A

A

C

A

Not Applicable

2000092925

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092938

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092940

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092945

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092948

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092949

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

2000092957

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092963

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092967

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

2000092976

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000092977

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000093011

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000093012

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000093016

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000093019

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000093024

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000093035

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

B

A

D

A

D

A

A

A

B

A

Not Applicable

2000093048

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

2000093051

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000093052

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000093058

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000093064

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000093112

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000093125

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000093126

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000093140

Yes

XXXXXX

XXXXXX

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Not Applicable

2000093148

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000093167

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

2000093171

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000093199

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000093220

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000093223

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

2000093228

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000093265

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000093282

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000093292

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000093300

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000093303

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000093326

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000093340

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000093354

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000093389

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000093432

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000093444

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000093448

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000093450

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000093473

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000093480

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000093488

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000093578

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000093614

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000093677

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000093685

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000093733

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000093752

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000093908

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

2000094006

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

4000003779

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

4000003808

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

4000003900

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

4000003903

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

4000003905

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

4000003918

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

4000003924

Yes

XXXXXX

XXXXXX

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Not Applicable

4000003940

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

4000003942

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

4000003944

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

4000003945

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

4000003946

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

4000003949

Yes

XXXXXX

XXXXXX

C

B

B

B

A

A

C

B

C

B

B

B

A

A

C

B

Not Applicable

4000003953

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

4000003954

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

4000003955

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

4000003960

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

4000003962

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

4000003968

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

4000003969

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

4000003972

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

4000003984

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

EX-99.7

Exhibit 99.7

Client Name:
Client Project Name:	PRKCM 2024-HOME1
Start - End Dates:	11/28/2023 - 4/4/2024
Deal Loan Count:	334
Waived Conditions Summary

Review Scope	Category	Code	Description	Count
Credit	Terms/Guidelines	CRDTER3122	Loan documents do not meet guideline requirements	1
Total				1

 ©2024 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. 

EX-99.8

EXECUTIVE SUMMARY

PRKCM 2024-HOME1

By Clarifii LLC on May 7, 2024

PRKCM 2024-HOME1 DUE DILIGENCE NARRATIVE REPORT – PAGE | 1

 

CLARIFII CONTACT INFORMATION

Christine Aug	Jason Luttenberger
Vice President of Due Diligence	Chief Operating Officer
Phone: 813.735.4487	Phone: 917.742.7797
E-mail: Christine.Aug@Clarifii.com	E-mail: Jason.Luttenberger@Clarifii.com

OVERVIEW

Clarifii LLC (“Clarifii”) conducted an independent third-party pre-securitization due diligence review (the “Review”) of 424 loans (the “Loans”) and these loans were subsequently acquired by O4B Park Capital Securitization, LLC (the “Client”) for the PRKCM 2024-HOME1 transaction. The loans referenced in this narrative report were reviewed between 10/2023 to 04/2024 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii’s review.

ORIGINATORS

Origination channels for the loans in this review:

Origination Channel	Loan Count	% of Pool	Original Balance
Retail	7	1.65%	$1,076,749.00
Correspondent Flow with Delegated UW	2	0.47%	$397,000.00
Wholesale	415	97.88%	$134,517,376.00
Total	424	100.00%	$135,991,125.00

The review consisted of a population of 424 loans, with an aggregate principal balance of $135,991,125.00.

CLARIFII’S THIRD PARTY REVIEW (TPR) SCOPE OF WORK

The scope of work for this transaction consisted of credit, property valuation, and regulatory compliance reviews, plus a data integrity check, and were performed in accordance with rating agency loan level review standards in place as of the date of the review.

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSROs).

LOAN SAMPLING

The Client defined the sample size and requested Clarifii to perform a random sample of the Loans to be included in the Review. To Clarifii’s knowledge, the Review covered 100% of the transaction loan population.

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Identity of NRSRO	Title and Date of Criteria
S&P Global Ratings	Methodology and Assumptions for Rating U.S. RMBS Issued 2009 and Later, February 22, 2018

DATA INTEGRITY

Clarifii performed a data comparison review of the data fields provided by the Client on the loan tape to the data found in the Loan file as captured by Clarifii. This comparison, when specific data was available, included the following data fields and tolerance levels noted below.

Data Comparison Fields

Amortization Term

Application Date

ARM Initial Fixed Rate Period

ARM Initial Interest Rate Cap

ARM Lifetime Interest Rate Minimum

ARM Rate Index Type

ARM Subsequent Interest Rate Cap

ARM Subsequent Interest Rate Change Frequency

Assumable Flag

Borrower 1 Bankruptcy in past 7 years

Borrower 1 Birth Date

Borrower 1 Credit Report Date

Borrower 1 First Name

Borrower 1 FTHB

Borrower 1 Last Name

Borrower 1 Origination Equifax

Borrower 1 Origination Experian

Borrower 1 Origination TransUnion

Borrower 1 Self Employment Flag

Borrower 1 SSN

Borrower 2 Birth Date

Borrower 2 First Name

Borrower 2 FTHB

Borrower 2 Last Name

Borrower 2 Origination Equifax

Borrower 2 Origination Experian

Borrower 2 Origination TransUnion

Borrower 2 Self Employment Flag

Borrower 2 SSN

Business Purpose Flag

Cash Disbursement Date

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Covered High Cost Loan Flag

CU Score

DSCR

First Payment Date

Index Rounding Factor

Initial Monthly PI Or IO Payment
Interest Only Term

Interest Rate

Investor Loan ID

Lender Name

Lien Position

Loan Amount

Loan Purpose

Margin

Maturity Date

MIN No

Mortgage Insurance Flag

Mortgage Origination Channel

Note Date

Number of Borrowers

Number of Units

Occupancy

Origination BK Flag

Origination Foreclosure Flag

Prepayment Penalty

Prepayment Penalty Total Term

Primary Appraised Property Value

Property Address

Property City

Property County

Property State

Property Type

Property Zip Code

Qualifying All Borrower Residual Income

Qualifying CLTV

Qualifying FICO

Qualifying Housing Debt Income Ratio

Qualifying LTV

Qualifying Total Debt Income Ratio

REO Mortgage Times 30

Sales Price

Underwriting Guideline Name
Underwriting Guideline Version Date

Undiscounted Rate

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Verified Doc Type

CREDIT UNDERWRITING

Clarifii reviewed each Loan file to determine the adherence to defined underwriting or credit extension guidelines, standards, criteria, or other requirements provided by Client, including, as applicable, Ability to Repay and Qualified Mortgage requirements. The Credit Qualification review consisted of the following:

● Loan Attributes

To determine borrower program eligibility, Clarifii verified the following loan attributes and, where applicable, recalculated based on the information provided:

☐ Assets and Reserves

☐ Gross Income

☐ Lien Position

☐ Loan Purpose

☐ Housing History

☐ Loan to Value Ratio (LTV) and Combined Loan to Value Ratio (CLTV)

☐ Monthly Debt

☐ Occupancy

☐ Property Type

☐ Qualifying principal, interest, tax, insurance, and association dues (PITIA)

☐ Debt to Income Ratio (DTI)

☐ Residual Income

☐ Debt Service Coverage Ratio (DSCR)

● Credit Application  

Clarifii verified the following items per the Uniform Residential Loan Application Form 1003 (1003):

☐ All known borrower-owned properties are disclosed on the Real Estate Owned (REO) Section 2

☐ Borrower(s) employment history

☐ Citizenship and eligibility

☐ First time home buyer status

☐ The application was signed by all borrowers

☐ The application was substantially complete

● Credit History

Clarifii verified the following items:

☐ A credit report or alternative credit history as applicable to loan type is present for each borrower

☐ Bankruptcy and foreclosure seasoning

☐ Captured the monthly consumer debt payments for use in the applicable DTI calculation

☐ Installment and revolving payment history

☐ Mortgage/Rental payment history

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☐ Verified and reviewed Real Estate Owned, Office of Foreign Assets Control (OFAC) search, and Fraud Alerts

☐ Number of tradelines

☐ Credit Score(s) and Qualifying Score Methodology

● Employment and Income

When applicable, Clarifii determined whether all supporting documentation as required by the guidelines and Ability to Repay/Qualified Mortgage Rule (ATR/QM) were complete and accurate. The documentation was used to verify whether the income used to qualify the loan was calculated in accordance with the guidelines.  Documentation verified employment and income were deemed acceptable if it was a third-party document as required by the guidelines and ATR when applicable and may include:

☐ Tax returns

☐ Financial statements

☐ Paystubs

☐ IRS Form W-2s

☐  IRS Form 1099

☐ IRS documents

☐ Bank statements

☐ Lease agreements

☐ Award letters

☐ Other documentation in loan file

● Fraud Review

For all Loans, Clarifii utilized the results from an independent, third-party fraud tool as well as information in the loan file to identify and address any potential misrepresentations including:

☐ Borrower identity

● Social Security inconsistencies

● Borrower name variations

☐ Occupancy

● Borrower address history

● Subject property ownership history

☐ Employment

☐ Licensing verification with the Nationwide Multistate Licensing System & Registry (NMLS):

● Mortgage lender/originator

● Loan officer

☐ OFAC

● Asset Review  

Clarifii assessed whether the asset documentation required by the guidelines and ATR, when applicable, was present in the Loan file and within required timeframe.  Documentation used to verify assets for down payment, closing costs, prepaid items and reserves may have included:

☐ Verification of deposits (VOD)

☐ Depository account statements

☐ Stock or security account statements

☐ Gift funds

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☐ Settlements statements

☐ Other evidence of conveyance and transfer of funds if a sale of assets was involved

☐ Other documentation in loan file

☐ Asset documents were reviewed to determine any large deposits and appropriate sourcing of funds

● Property Insurance and Taxes

   Clarifii confirmed the presence of the insurance and tax information for the following:

☐ Confirmed that the flood certification is for the correct borrower, property, lender, and loan number and is a “Life of Loan” certification

☐ Confirmed that the mortgagee clause lists the lender’s name and “its successors and assigns”

☐ Confirmed that the premium amount on both the hazard and flood insurance match figures from the DTI calculations

☐ For condominium properties, confirmed that the blanket policy meets the minimum amount of coverage in the guidelines

☐ For properties in a flood zone, per the flood certification, confirmed that flood insurance meets guideline requirements in the file and met the minimum required amount of coverage in the guidelines

☐ Reviewed Tax Certificate to verify and compare monthly escrows used to calculate DTI matches and taxes are current

☐ Verified that the hazard insurance meets the minimum required amount of coverage in the guidelines

● Debt Service Coverage Ratio (DSCR)

☐ Calculated DSCR, as required by guidelines

☐ Confirmed documentation requirements have been met

☐ Summed principal and interest or interest payment, along with taxes, insurance and HOA payments to arrive at monthly property expense. This summed amount is used as the denominator to the monthly lease or estimated lease income, as required by guidelines

DOCUMENT REVIEW

Clarifii reviewed each Loan file and verified if the following documents were included in the file and if the data on these documents was consistent (where applicable):

● Initial and Final 1003 Application

● Note

● Mortgage/Deed of Trust

● Appraisal

● Sales Contract

● Title Commitment/Policy

● Junior Lien/Subordination Agreement

● Mortgage Insurance

● Underwriting Approval Documentation inclusive, but not limited to documents listed in the Credit Review section

● Flood Certification

● Initial and Final Loan Estimate (LE)

● Initial and Final and Closing Disclosure (CD)

● Post-Consummation Closing Disclosure (PCCD), as applicable

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COMPLIANCE REVIEW

Clarifii reviewed each Loan file, when applicable, and verified that it was consummated in compliance with the applicable federal, state, and local anti-predatory lending statutes in effect at the time of origination of the mortgage loan. Compliance verification and validation that each mortgage loan met the relevant provisions of:

Anti-Predatory Lending Requirements, that are imposed by federal, state and/or local statutory, regulatory, or authoritative determinations (e.g., state constitutional provisions, ordinances, interpretations, judicial determinations, etc.) that impose civil or criminal liability upon the Assignee or may cause significant loss severity to the value of the Loan, including the Home Ownership and Equity Protection Act (HOEPA) and any state and local high-cost home loan laws. Assignee shall have the meaning as defined in the Truth in Lending Act (TILA).

Truth in Lending Act (TILA), as amended by HOEPA, 15 U.S.C. §1601 et seq., as implemented by Regulation Z, 12 C.F.R. Part 1026

Real Estate Settlement Procedures Act (RESPA), 12 U.S.C. §2603, as implemented by Regulation X, 12 C.F.R. Part 1024

Equal Credit Opportunity Act (ECOA), 15 U.S.C. §1691, as implemented by Regulation B, 12 C.F.R. §1001.1(b)

● Compliance Documentation Requirements

   Clarifii reviewed the following documents as they related to regulatory compliance:

☐ Initial and final application (1003)

☐ Note, including all addendums

☐ Copy of note for any junior liens (if applicable)

☐ Mortgage / Deed of Trust, including all riders

☐ Initial, Interim, and Final Loan Estimates (LE)

☐ Initial CD (i.e., the CD required to be received by the borrower(s) at least 3 business days prior to consummation) and re-disclosed CDs (as applicable and permitted by TILA/Regulation Z)

☐ Notice of Right to Cancel (when applicable)

☐ Rate Lock Date

☐ HOEPA Disclosures (when applicable)

☐ Initial Escrow Account Disclosure

● Anti-Predatory Lending (Assignee Liability)

Loans were reviewed for violations of federal, state & local high cost, higher-priced and/or consumer finance laws and regulations that carry Assignee Liability, including those defined below. Any loan that is determined to be classified and/or defined as high cost, higher-priced, subprime, threshold, predatory high risk, covered or similar classification/definition was reported.

● Compliance Testing of Truth-in-Lending Act (TILA)/Regulation Z Elements

Clarifii reverified and retested, when applicable, the following TILA and Regulation Z elements:

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☐ TILA/RESPA Integrated Disclosure Testing (TRID)

Reviewed and compared LEs and CDs with a report outlining any TILA violations, including a recalculation of disclosed finance charges, principal and interest calculations, proper completion of the Projected Payments table, total of payments, finance charges, amount financed, recalculation of disclosed APR and a review to determine if disclosure differences were within the allowed tolerances and disclosures were provided within the required timeframes. Testing was conducted to fulfill the elements Structured Finance Association (SFA) TRID Compliance Review Scope (“TRID Grid 3.0” v.12/05/2019).

☐ Right of Rescission

Reviewed the TILA Right of Rescission, Notice of Right to Cancel, including a verification of the transaction date and expiration date, ensured proper execution of the Notice of Right to Cancel by all required parties, verified the disbursement date and determined if a full three (3) day rescission period was provided to the borrower(s). The appropriate Model Form was tested according to applicable U.S. Court of Appeals, Circuit Court rulings.

☐ Qualified Mortgage and Ability to Repay

Reviewed to ensure the mortgage loan meets the applicable Qualified Mortgage (“QM”) and Ability-to-Repay (“ATR”) requirements as set forth in regulations promulgated by the Consumer Financial Protection Bureau as found at 12 CFR § 1026.43.

☐ Real Estate Settlement Procedures Act (RESPA)/Regulation X

Reviewed to ensure compliance with RESPA/Regulation X documentation and timing requirements in effect at origination of the mortgage loan for RESPA disclosures (Servicing Disclosure Statement; Affiliated Business Arrangement Disclosure; Initial Escrow Disclosure Statement; List of Homeownership Counselling Organizations).

☐ Equal Credit Opportunity Act (ECOA)/Regulation B

Confirmed compliance with the January 18, 2014, requirements regarding the disclosure of the right to receive a copy of appraisals within three (3) business days of application, the right to receive a copy of the appraisals at least three (3) business days prior to consummation and any applicable waiver. The disclosure of the right to receive a copy of appraisals was met by the disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

☐ Fair Credit Reporting Act (FRCA)/Regulation V

Confirmed compliance with the current FCRA/Regulation V requirements regarding risk-based pricing notice, credit score disclosure and Notice to Home Loan Applicant, as applicable.

☐ Miscellaneous Compliance Testing

● Mandatory Arbitration – Clarifii reported mandatory arbitration provisions present in the loan file.

● Single Premium Credit Insurance – Clarifii reported single premium credit insurance policies or debt cancellation agreements present in the loan file.

● State prepayment and late charge restrictions – Clarifii reported instances where a prepayment penalty that exceeds the state permitted penalty has expired.

● State and Local Anti-Predatory Requirements

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The following is an itemization of the current and historical state and local anti-predatory lending requirements, considered customary in secondary market due diligence compliance testing and reviewed by Clarifii:

☐ Arkansas Home Loan Protection Act, Ark. Stat. Ann. § 23-53-101 et seq.

☐ California Anti-Predatory Lending (“Covered Loan”, Cal. Fin. Code § 4970 et seq.

☐ California Higher-Priced Mortgage Loan (“CA HPML”), Cal. Fin. Code §4995 et seq.

☐ Colorado Consumer Equity Protection Act, Colo. Rev. Stat. § 5-3.5-101 et seq.

☐ Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a-746 et seq. and the Responsible Lending and Economic Security Act, Conn. House Bill 5577 (2008).

☐ Connecticut Nonprime Home Loans, Conn. Gen. Stat. §§ 36a-760 et seq. (2008-2009) and (2009-Current)

☐ District of Columbia Home Loan Protection Act of 2002, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg. § 2000.1 et seq. as well as DC Mortgage Disclosure Act of 2007.

☐ Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (2002 – 2014).

☐ Georgia Fair Lending Act, Ga. Stat. Ann. § 7-6A-1 et seq. (as originally enacted by House Bill 02-1361 and as modified by Senate Bill 03-53).

☐ Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq. (2003).

☐ Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code § 345.10 et seq. (Repealed)

☐ Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003), Ill. Comp. Stat. tit. 815 §§ 137/1 et seq. (2004).

☐ Illinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167).

☐ City of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago Municipal Code, §§ 2-32-440; 2-32-455; 2-92-325; 4-4-155; 8-4-325.

☐ Cook County, Illinois, Anti-Predatory Lending Ordinance, Ordinance No. 240864 (2001) as amended by Illinois SB 1167 (2007).

☐ Indiana Home Loan Practices Act, as amended by HB 1179 (2005) Ind. Code § 24-9-1 et seq.

☐ Kansas Consumer Credit Code, Section 16a-3-308a, Kan. Stat. Ann. § 16a-1-101 et seq. 16.

☐ Kentucky Anti-Predatory Lending Statute, as amended by Kentucky House Bill 552 (2008), Ky. Rev. Stat. § 360.100 et seq.

☐ Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages, 9A Me. Rev. Stat. Ann. §§ 8-103(1); 8-206(8); 8-206A and Maine Legislative Document 1869 (2007), 2125 (2008) and 1439 (2009), and regulation Z-3.

☐ Maryland Commercial Law, Mary. Stat. Ann. §§ 12-124.1; 12-127; 12-409.1; 12-1029 and as amended by Maryland Senate Bill 270 (2008) and Maryland Regulations under the Maryland Mortgage Lender Law (2009).

☐ Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law, Md. Code Ann., Fin. Instit. Code §§ 11-501 et seq.; Md. Code Regs. §§ 09.03.06.01 et seq.

☐ Massachusetts High-Cost Mortgage Regulations, 209 CMR § 32.32 et seq. including MA House Bill 4387 (2008) 20. Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 183I.

☐ Massachusetts “Borrower’s Interest” Standard, M.G.L. Chapter 183, §28C.

☐ Massachusetts Mortgage Lender and Broker Regulations, 940 CMR § 8.00 (15-17).

☐ Massachusetts Regulations for Higher Priced Mortgage Loans, 209 Mass. Code Regs. §§ 32.00 et seq.

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☐ Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184, §17B.5.

☐ Michigan Consumer Mortgage Protection Act, Mich. Stat. Ann. § 445-1631 et seq.

☐ Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et al. (S.F. 2988 (2002) and as amended by House File 1004 and SF 98 (2007) and SF 3154 and 3214 (2008).

☐ Nebraska Mortgage Bankers Registration and Licensing Act, Neb. Stat.§ 45-702 et seq.

☐ Nevada Anti-Predatory Lending Law, AB No. 284 (2003), as amended by AB 4 (2007), Nev. Rev. Stat. § 598D.010 et seq.

☐ New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq.

☐ New Mexico Home Loan Protection Act, SB 449 (2003) and as amended by SB 342 (2009), N.M. Stat. Ann. § 58-21A-1 et seq.

☐ New York High-Cost Home Loan Regulations (1A – Original Part 41), 3 NYCCR Part 41 (2001).

☐ New York High-Cost Home Loan Act (1B - § 6-l), N.Y. Bank. L. Ch. 626., as implemented by 3 NYCCR Part 41 (2003) and as amended by Senate Bill 8143-A (2008).

☐ New York Subprime Home Loans, NY Bank. Law § 6-m.

☐ North Carolina Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-1.1A to 24-10.2 and North Carolina Amendments to Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-9; 24-1.1I(a); 24-10.2(a) as amended.

☐ Ohio Anti-Predatory Lending Statute, HB 386, as amended by S.B. 185 (2006), Ohio Rev. Code Ann. § 1.63.

☐ Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as implemented by Ohio Admin. Rules § 109 4-3-01 et seq.

☐ City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003.

☐ Summit County, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 2004-618, Muni. Code §§ 201.01 et seq.

☐ Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003).

☐ Oklahoma Higher-Priced Mortgage Loans Law, Okla. Admin. Code §§ 160:45-9-1 et seq.

☐ Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq.

☐ City of Providence, Rhode Island Predatory Lending Ordinance, Ordinance No. 245, Chapter 2006-33 as amended.

☐ Rhode Island Home Loan Protection Act, Chapter 25.2 of Title 34 of RI Gen. L. et seq., as implemented by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

☐ South Carolina High-Cost and Consumer Home Loans Act, S.C. Code § 37-23-10 et seq.

☐ South Carolina Consumer Protection Code, S.C. Code 37-1-101 et seq.

☐ Tennessee Home Loan Protection Act of 2006, TN Code Annotated, Title 47 et seq.

☐ Texas High-Cost Home Loan Statute, TX. Fin. Code Ann. § 343.201 et seq.

☐ The disclosure requirements and prohibitions of Section 50(a)(6) and 50(f)(2) of Article XVI of the Texas Constitution

☐ Utah Residential Mortgage Practices Amendments, Utah Code Ann. § 61- 2c-102 et seq.

☐ Utah High Cost Home Loan Act, Utah Code § 61-2d-101 et seq.

☐ Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

☐ Virginia Mortgage Lender and Broker Act (for loans originated prior to July 1, 2003), Va. Code Ann. §§ 6.1-413; 6.1-422, 6.1-428.

☐ Virginia Mortgage Lender and Broker Act (for loans originated after July 1, 2003), Va. Code Ann. §§ 6.1-411; 6.1-422.1, 6.1-425.1; 6.1-425.2.

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☐ Washington House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008.

☐ West Virginia Residential Mortgage Lender, Broker and Servicer Act, W.Va. Code § 31-171 et seq.

☐ Wisconsin Responsible High Cost Mortgage Lending Act, Wis. Stat. § 428.202.

☐ Wyoming Credit Code, Wyo. Stat. Ann. §§ 40-14-101 et seq.

● Business Purpose Loan Compliance Review

☐ Non-Owner Occupied Declaration Disclosure

a. Verify reflects correct address

b. Verify application address is different from subject property

c. Verify executed by all borrowers

☐ Review Note accuracy and properly executed

☐ Review Mortgage and applicable riders for accuracy and properly executed

☐ Occupancy Letter (must state that borrower(s) will not reside in the property

☐ HMDA section (Information for Government Monitoring Purposes) of the application (initial and/or final)

☐ If property is in a flood zone, Flood Notice must be provided prior to closing

☐ Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

☐ Letter of Explanation detailing the use of proceeds.

☐ Borrower’s statement of purpose for the loan.

☐ State License requirements when applicable

☐  State Predatory lending and high cost when applicable

QUALIFIED MORTGAGE (QM)

With respect to QM (Safe Harbor and Rebuttable Presumption) designated loans, Clarifii reviewed the loan to determine whether, based on available information in the loan file, (i) the loan contained risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the “points and fees” exceeded the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeded 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review included a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable Agency, as permitted under the QM final rule, Clarifii reviewed the loan to determine whether, based on available information in the loan file the loan satisfied (i), (ii) and (iii) in the preceding paragraph and reviewed the Automated Underwriting System output within the file to confirm agency eligibility.

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For each QM designated loan that satisfied the applicable requirements enumerated above, Clarifii then determined whether the loan was a Safe Harbor QM or Rebuttable Presumption QM by comparing the loan’s actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

ABILITY TO REPAY (ATR)

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

Note: for loans designated as QM – Agency eligible (QM – Temporary), Clarifii did not review for compliance with the requirements of Appendix Q or General Ability to Repay.

Clarifii reviewed loans to determine their conformity with the ATR/QM factors above, and did not render an independent assessment or opinion, warranty or represent that a loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR, or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative, or judicial authorities (Authorities). Clarifii does not represent or warrant that the factors for which it has reviewed that the loans constitute all the factors and/or criteria that Authorities may consider in determining the status of a loan.

Clarifii’s review was based on information contained in the loan file at the time it was provided for review. All loans in the population reviewed by Clarifii were investment properties and were found to not be ATR/QM applicable.

VALUATION REVIEW

Clarifii reviewed all appraisals and alternative value tools used to qualify the Loan for reasonableness of estimated value, comparable sales, completeness of data and eligibility of the appraiser, compared to underwriting guidelines, variances, and tolerances. Clarifii determined that the appraised value appeared to be supported, based on the valuation provided by the Independent Third-party Review.

● Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) Clarifii checked for the presence of the appraiser’s license and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

● Uniform Standards of Professional Appraisal Practice (USPAP) Clarifii confirmed the appraiser’s certification is present and executed within the original appraisal.

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INDEPENDENT THIRD-PARTY VALUES

Clarifii applied a cascade methodology to the population to determine if the original appraisal value was reasonably supported when compared to an independent third-party valuation product.

Valuation Reconciliation Process:

● If the AVM (Automated Valuation Model) supported the origination appraised value within -10% variance, no additional products were required.

● If the Desk Review supported the origination appraised value within a -10% variance, no additional products were required.

● In the event the Desk Review process yielded material exceptions or had a value exceeding a negative ten percent (-10%) variance, a field review was ordered to further establish the supported value, unless guidelines allowed for the use of the lower Desk Review value for purpose of LTV/CLTV/HCLTV.

Uniform Collateral Data Portal (UCDP) Risk Score:

● For loans with a Fannie Mae Collateral Underwriter Score (CU), if an CU Score was available and the CU Score was greater than 2.5, a Desk Review was either reviewed in the loan file or ordered by Clarifii. If the CU Score was less than or equal to 2.5, a Desk Review was not obtained/required based on market acceptance of UCDP Risk Score.

VALUATION RESULTS SUMMARY

The two tables below summarize the loans that contained independent third-party valuation product as well as loans with acceptable UCDP Risk Scores:

Valuation Product	# of Files – No Hit	# of Files > -10% Variance to OA or Confidence < 80%	Number of Files within - 10% of OA or Acceptable UCDP Risk Score
AVM	0	0	0
BPO	0	0	0
CU Score <=2.5	0	0	90
Desk Review	0	0	329
Field Review	0	0	4
Second Full Appraisal	0	0	1

DUE DILIGENCE GRADING CRITERIA

Upon completion of the loan file due diligence review, Clarifii assigned comprehensive grading that considers critical factors based on the specific review completed, in addition to product, client, and rating agency requirements.

The National Recognized Statistical Rating Organizations (NRSRO) criteria referenced for this report and utilized for grading descriptions is based upon the NRSRO listed in the Asset-Backed Securities Form ABS Due Diligence-15E.

PRKCM 2024-HOME1 DUE DILIGENCE NARRATIVE REPORT – PAGE | 14

 

Final Event Grade

A	Loan meets Credit, Compliance, and Valuation Guidelines.
B	The loan materially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and materially meets published guidelines.
C	The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines.
D	Loan is missing documentation to perform a sufficient review.

Credit Event Grade

A	The loan meets the published guidelines without any exceptions. The employment, income, assets, and occupancy are supported and justifiable. The borrower’s willingness and ability to repay the loan is documented and reasonable.
B	The loan materially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding published guidelines.  The employment, income, assets, and occupancy are supported and justifiable.  The borrower’s willingness and ability to repay the loan is documented and reasonable.
C	The loan does not materially meet the published guidelines.  There are not sufficient compensating factors that justify exceeding the published guidelines.  The employment, income, assets, or occupancy are not supported and justifiable.  The borrower’s willingness and ability to repay the
D	There was not sufficient documentation to perform a review, or the credit file was not furnished.

Valuation Event Grade

A	The value is supported within 10% of the original appraisal by supporting documents (CDA, Field Review or Second Appraisal). The appraisal was performed on an “as-is” basis and the property is complete and habitable at origination.  The appraiser was appropriately licensed and used Government-Sponsored Enterprise (GSE) approved forms.
B	The value is not supported within 10% of the original appraisal by supporting documents and there are no other valuation support documents provided. The valuation methodology substantially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an “as-is” basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms.
C	The value is not supported within 10% of the original appraisal.  The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines.  The property is in below “average” condition, or the property is not complete or requires significant repairs.  The appraisal was not performed on an “as is” basis.  The appraiser was not appropriately licensed or did not use GSE approved forms.
D	The file was missing the appraisal or there was not sufficient valuation documentation to perform a review.

PRKCM 2024-HOME1 DUE DILIGENCE NARRATIVE REPORT – PAGE | 15

 

Compliance Event Grade

A	The loan is compliant with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties.
B	The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required.
C	The loan violates one material law or regulation.  The material disclosures are missing, or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents.
D	There was not sufficient documentation to perform a review, or the required legal documents were not furnished.

CLARIFII DUE DILIGENCE RESULTS

Below are the final overall loan grades for this review, as well as the credit, property valuation, and regulatory compliance component review grades.

Final Overall Loan Grade Results

Final Overall Review Results
Overall	Loan Count	% of Sample
A	390	91.98%
B	34	8.02%
C	0	0.00%
D	0	0.00%
Total	424	100.00%

The overall grade summary reflects the combination of the credit, property valuation and regulatory compliance component reviews into one overall grade. The overall grade assigned is the most severe grade from each of the component reviews.

Final Credit Component Grade Results

Final Credit Grade Summary
Credit	Loan Count	% of Sample
A	392	92.45%
B	32	7.55%
C	0	0.00%
D	0	0.00%
Total	424	100.00%

PRKCM 2024-HOME1 DUE DILIGENCE NARRATIVE REPORT – PAGE | 16

 

Final Property Valuation Grade Results

Final Property Grade Summary
Property	Loan Count	% of Sample
A	423	99.76%
B	1	0.24%
C	0	0.00%
D	0	0.00%
Total	424	100.00%

Final Regulatory Compliance Grade Results

Final Compliance Grade Summary
Compliance	Loan Count	% of Sample
A	422	99.53%
B	2	0.47%
C	0	0.00%
D	0	0.00%
Total	424	100.00%

ADDITIONAL LOAN SUMMARY DETAILS

Amortization Type

Amortization Type	Loan Count	% of Pool	Original Balance
ARM	66	15.57%	$23,211,014.00
Fixed	358	84.43%	$112,780,111.00
Total	424	100.00%	$135,991,125.00

Occupancy

Occupancy	Loan Count	% of Pool	Original Balance
Primary Residence	45	10.61%	$27,972,302.00
Second Home	1	0.24%	$180,000.00
Investment	378	89.15%	$107,838,823.00
Total	424	100.00%	$135,991,125.00

PRKCM 2024-HOME1 DUE DILIGENCE NARRATIVE REPORT – PAGE | 17

 

Loan Purpose

Loan Purpose	Loan Count	% of Pool	Original Balance
Refinance	140	33.02%	$49,630,976.00
Purchase	284	66.98%	$86,360,149.00
Total	424	100.00%	$135,991,125.00

Lien Position

Lien Position	Loan Count	% of Pool	Original Balance
1	424	100.00%	$135,991,125.00
Total	424	100.00%	$135,991,125.00

Original Term

Original Term	Loan Count	% of Pool	Original Balance
180	1	0.24%	$230,000.00
360	423	99.76%	$135,761,125.00
Total	424	100.00%	$135,991,125.00

DATA COMPARE RESULTS

Clarifii provided Client with a copy of the Loan Level Data Compare Report which shows the differences between the data received by the sellers versus the data captured by Clarifii during the loan review.

Summary of Data Compare Results

Data Comparison Fields	Loans With Discrepancy	Total Times Compared	Accuracy %
Amortization Term	0	424	100.00%
Application Date	0	424	100.00%
ARM Initial Fixed Rate Period	0	66	100.00%
ARM Initial Interest Rate Cap	0	66	100.00%
ARM Lifetime Interest Rate Minimum	0	66	100.00%
ARM Rate Index Type	0	66	100.00%
ARM Subsequent Interest Rate Cap	0	66	100.00%
ARM Subsequent Interest Rate Change Frequency	0	66	100.00%
Assumable Flag	0	358	100.00%
Borrower 1 Bankruptcy in past 7 years	0	421	100.00%
Borrower 1 Birth Date	1	423	99.76%

PRKCM 2024-HOME1 DUE DILIGENCE NARRATIVE REPORT – PAGE | 18

 

Borrower 1 Credit Report Date	0	368	100.00%
Borrower 1 First Name	0	424	100.00%
Borrower 1 FTHB	1	424	99.76%
Borrower 1 Last Name	0	424	100.00%
Borrower 1 Origination Equifax	0	367	100.00%
Borrower 1 Origination Experian	0	366	100.00%
Borrower 1 Origination TransUnion	0	367	100.00%
Borrower 1 Self Employment Flag	1	134	99.25%
Borrower 1 SSN	0	424	100.00%
Borrower 2 Birth Date	0	48	100.00%
Borrower 2 First Name	0	48	100.00%
Borrower 2 FTHB	0	48	100.00%
Borrower 2 Last Name	0	48	100.00%
Borrower 2 Origination Equifax	0	29	100.00%
Borrower 2 Origination Experian	0	29	100.00%
Borrower 2 Origination TransUnion	0	29	100.00%
Borrower 2 Self Employment Flag	0	19	100.00%
Borrower 2 SSN	0	48	100.00%
Business Purpose Flag	0	424	100.00%
Cash Disbursement Date	2	423	99.53%
Covered High Cost Loan Flag	0	45	100.00%
CU Score	0	375	100.00%
DSCR	1	424	99.76%
First Payment Date	0	424	100.00%
Index Rounding Factor	0	66	100.00%
Initial Monthly PI Or IO Payment	0	424	100.00%
Interest Only Term	0	10	100.00%
Interest Rate	0	424	100.00%
Investor Loan ID	0	421	100.00%
Lender Name	0	424	100.00%
Lien Position	0	424	100.00%
Loan Amount	0	424	100.00%
Loan Purpose	0	424	100.00%
Margin	0	66	100.00%
Maturity Date	0	424	100.00%
MIN No	0	423	100.00%
Mortgage Insurance Flag	0	424	100.00%
Mortgage Origination Channel	0	415	100.00%
Note Date	0	424	100.00%
Number of Borrowers	0	421	100.00%
Number of Units	0	424	100.00%
Occupancy	0	423	100.00%
Origination BK Flag	0	421	100.00%
Origination Foreclosure Flag	0	421	100.00%

PRKCM 2024-HOME1 DUE DILIGENCE NARRATIVE REPORT – PAGE | 19

 

Prepayment Penalty	0	424	100.00%
Prepayment Penalty Total Term	0	303	100.00%
Primary Appraised Property Value	1	424	99.76%
Property Address	0	424	100.00%
Property City	0	424	100.00%
Property County	0	424	100.00%
Property State	0	321	100.00%
Property Type	16	416	96.15%
Property Zip Code	0	424	100.00%
Qualifying All Borrower Residual Income	0	76	100.00%
Qualifying CLTV	1	424	99.76%
Qualifying FICO	0	368	100.00%
Qualifying Housing Debt Income Ratio	1	424	99.76%
Qualifying LTV	1	424	99.76%
Qualifying Total Debt Income Ratio	0	424	100.00%
REO Mortgage Times 30	0	411	100.00%
Sales Price	1	291	99.66%
Underwriting Guideline Name	14	257	94.55%
Underwriting Guideline Version Date	0	6	100.00%
Undiscounted Rate	0	7	100.00%
Verified Doc Type	0	368	100.00%

PRKCM 2024-HOME1 DUE DILIGENCE NARRATIVE REPORT – PAGE | 20

 

CLARIFII THIRD PARTY REPORTS DELIVERED

Clarifii furnished the following reports on this transaction:

1. Narrative Report/Executive Summary

2. Attestation Forms

3. ASF Report

4. Rating Agency Grade Detail and Summary Report

5. Data Compare Report

6. Valuations Report

7. Rating Agency ATR/QM Report

8. Supplemental Data Extract

9. Business Purpose Supplement Data Extract Report

Disclaimer

Clarifii LLC (“the Company”) performs due diligence reviews for Residential Mortgage-Backed Securities, as well as, assets, collateral, counterparty operations, and similar diligence reviews in the consumer finance industry. In issuing reports and maintaining the ratings provided for herein, the Company relies on factual information it receives from issuers, underwriters, and from other sources which the Company reasonably believes to be credible. The Company conducts reasonable investigation of the factual information relied upon by it in accordance with its ratings methodology. The Company also makes reasonably good faith attempts to verify the information from independent sources (to the extent such sources are available).

Please be advised that Clarifii has not determined whether the Loans comply with federal, state, or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clarifii’s review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clarifii’s review is not designed to fully test a lender’s compliance with all applicable disclosure and licensing requirements. The findings reached by Clarifii are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clarifii and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clarifii do not constitute legal advice or opinions.

Ratings, analysis, reports, and other opinions (referred to collectively as “Reports”) issued by the Company are provided “as is” and without representation or warranty of any kind. The Company hereby disclaims any representation or warranty (whether express or implied) as to accuracy, completeness, merchantability, or fitness for a particular purpose. Reports are not a recommendation to buy, sell, or retain any security. All reports are deemed jointly prepared, and no individual shall be exclusively deemed the “author” of any Report. Individuals identified in a Report were involved in, but are not solely responsible for, the contents of any Report.

Unless expressly stated otherwise, Reports do not assess any risk other than credit risk. In particular, any rating or grading in a Report does not take into consideration the risk of any security (or any portion thereof) due to changes in market conditions.

The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such.  Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party.  Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance. 

© 2024 Clarifii LLC. All rights reserved.

PRKCM 2024-HOME1 DUE DILIGENCE NARRATIVE REPORT – PAGE | 21

EX-99.9

Exhibit 99.9

Loan ID

Seller Loan ID

Investor Loan ID

Overall Initial Loan Grade

Overall Final Loan Grade

Credit Initial Loan Grade

Credit Current/Final Loan Grade

Compliance Initial Loan Grade

Compliance Current/Final Loan Grade

Property Initial Loan Grade

Property Current/Final Loan Grade

Queue

Finding Code

Date Created

Date Modified

Finding Status

Event Level

Initial Finding Grade

Current/Final Finding Grade

Finding Category

Finding Sub Category

Finding Name

Finding Comments

Seller Comments

Resolution Comments

Reviewer Comp Factor

Originator Comp Factors

Finding Documents

Originator QM Status

Final Reviewed QM Status

Loan Amount

Property State

Occupancy

Loan Purpose

Refinance Purpose

Acknowledged / WaivedBy

Waiver in File?

Unique Finding ID

216693

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

NY

Investment

Refinance

Cash Out - Other

219305

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

NY

Investment

Refinance

Cash Out - Other

219306

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

NY

Investment

Refinance

Cash Out - Other

220269

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

231006

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

231253

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

NY

Investment

Refinance

Cash Out - Other

232375

B

B

B

B

A

A

A

A

Closed

FCRE1194

2023-12-20 15:11

2023-12-22 12:29

Waived

2 - Non-Material

B

B

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Waived-Audited LTV of 70% exceeds Guideline LTV of 65% Based on guidelines for foreign nationals the LTV maximum is 70%; if property is a short term rental it must be reduced 5%. Max LTV for this loan is 65%; loan was closed at 70% LTV exceeding max guideline by 5%. Originator waiver in file shows on lock form, deemed non material. - Due Diligence Vendor-12/20/2023

Waived-Audited LTV of 70% exceeds Guideline LTV of 65% Based on guidelines for foreign nationals the LTV maximum is 70%; if property is a short term rental it must be reduced 5%. Max LTV for this loan is 65%; loan was closed at 70% LTV exceeding max guideline by 5%. Originator waiver in file shows on lock form, deemed non material. - Due Diligence Vendor-12/20/2023

Months Reserves exceed minimum required - Loan requires 3 months minimum reserves. Reserves verified for borrower total 21.16 months; exceeds by 18.16 months. DSCR % greater than 1.20 - DSCR exceeds 1.20; current ratio is 1.353%

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

Originator Post-Close

Yes

1327011

232705

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Refinance

Cash Out - Other

233107

D

A

D

A

A

A

A

A

Closed

FPRO1255

2023-12-21 09:37

2024-04-09 11:05

Resolved

1 - Information

D

A

Credit

Missing Doc - Credit

HOA Questionnaire Document is Missing

Resolved-The HOA Questionnaire Document is not missing or Not Applicable. -Subject is part of a 4-unit condo complex and HOA questionnaire is not required; appraiser did not red flag any HOA litigation.  Finding resolved. - Due Diligence Vendor-12/26/2023 Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. No questionnaire present/No HOA bill - Due Diligence Vendor-12/21/2023

Resolved-The HOA Questionnaire Document is not missing or Not Applicable. -Subject is part of a 4-unit condo complex and HOA questionnaire is not required; appraiser did not red flag any HOA litigation.  Finding resolved. - Due Diligence Vendor-12/26/2023

Credit history exceeds minimum required - Credit history exceeds minimum requirement On time mortgage history exceeds guideline requirement - Mtg history VOM reflects 0X30X12 Qualifying FICO score is at least 20 points above minimum for program - 778 score exceeds max of 700

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CA

Investment

Refinance

Cash Out - Other

N/A

N/A

1328579

233107

D

A

D

A

A

A

A

A

Closed

FCRE1180

2023-12-21 09:45

2023-12-22 09:15

Resolved

1 - Information

D

A

Credit

Missing Doc

HO-6 Insurance Policy is Missing

Resolved-HO-6 Insurance Policy is fully present; -Master HOI policy includes walls in with betterment and improvements; finding resolved. - Due Diligence Vendor-12/22/2023 Open-HO-6 Insurance Policy is Missing - Due Diligence Vendor-12/21/2023

Resolved-HO-6 Insurance Policy is fully present; -Master HOI policy includes walls in with betterment and improvements; finding resolved. - Due Diligence Vendor-12/22/2023

Credit history exceeds minimum required - Credit history exceeds minimum requirement On time mortgage history exceeds guideline requirement - Mtg history VOM reflects 0X30X12 Qualifying FICO score is at least 20 points above minimum for program - 778 score exceeds max of 700

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CA

Investment

Refinance

Cash Out - Other

N/A

N/A

1328613

233485

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

UT

Investment

Refinance

No Cash Out - Borrower Initiated

233489

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

UT

Investment

Purchase

NA

234161

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

ME

Investment

Purchase

NA

234163

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

MI

Investment

Purchase

NA

234776

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

236210

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

NV

Investment

Purchase

NA

237958

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CA

Investment

Refinance

Cash Out - Other

237964

C

A

C

A

A

A

A

A

Closed

FCRE1492

2024-01-03 11:39

2024-02-08 10:31

Resolved

1 - Information

C

A

Credit

Assets

Cash Out Does Not Meet Guideline Requirements

Resolved-Re-reviewed to 11/29/23 guides - per Client request - loan in pipeline prior to changes.  Six month seasoning not required and appraiser comments support value increase. - Due Diligence Vendor-02/08/2024 Counter-Updated Appraisal provided and states the home was Remodeled prior to the effective date of the appraisal. We are missing documented costs of improvements. Original sales price is XXXXX per the Property Detail Report in file.  Finding remains. - Due Diligence Vendor-02/01/2024 Ready for Review-Document Uploaded.  - Seller-01/31/2024 Open-Property was acquired less than 6 months prior to new transaction; not eligible.  Property acquired XXXXX  and Appraiser did not state that improvements were made by the Borrower; documented costs of improvements not provided and required for LTV calculation. - Due Diligence Vendor-01/08/2024

Ready for Review-Document Uploaded.  - Seller-01/31/2024

Resolved-Re-reviewed to 11/29/23 guides - per Client request - loan in pipeline prior to changes.  Six month seasoning not required and appraiser comments support value increase. - Due Diligence Vendor-02/08/2024

Months Reserves exceed minimum required - Verified cash reserves of 8.12 months is more than the minimum required of 3 months

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TX

Investment

Refinance

Cash Out - Other

N/A

N/A

1350188

238302

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

NJ

Investment

Purchase

NA

238303

C

B

C

B

A

A

C

A

Closed

FPRO1136

2024-01-04 09:57

2024-03-01 16:56

Resolved

1 - Information

C

A

Property

Appraisal

Subject property appraisal is not on an as-is basis (Primary Value)

Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully or partially present, or Not Applicable - Due Diligence Vendor-01/08/2024 Ready for Review-Document Uploaded.  - Seller-01/04/2024 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Present -Appraisal is "subject to completion per plans and specifications" (1004D) is not Present - Due Diligence Vendor-01/04/2024

Ready for Review-Document Uploaded.  - Seller-01/04/2024

Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully or partially present, or Not Applicable - Due Diligence Vendor-01/08/2024

Months Reserves exceed minimum required - 5.47 months reserves and 3 required

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

N/A

N/A

1352743

238303

C

B

C

B

A

A

C

A

Closed

FCRE1194

2024-01-04 12:20

2024-01-04 12:47

Waived

2 - Non-Material

C

B

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Open-Audited LTV of 65% exceeds Guideline LTV of 60% Guides require FTHB/Investors to have a 5% LTV reduction . Foreign National Borrowers must have property ownership  in the US in the last 3 yrs to not be considered a FTHB/Investor - Due Diligence Vendor-01/04/2024

Months Reserves exceed minimum required - 5.47 months reserves and 3 required

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

Originator Post-Close

Yes

1353270

239175

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

VA

Investment

Refinance

Cash Out - Other

239176

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CA

Investment

Purchase

NA

239405

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CA

Investment

Refinance

No Cash Out - Borrower Initiated

239407

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Refinance

Cash Out - Other

239409

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CA

Investment

Purchase

NA

240197

A

A

A

A

A

A

A

A

A

A

Non-QM: APOR

Non-QM: APOR

XXXXX

CA

Primary Residence

Refinance

Cash Out - Other

240205

C

A

C

A

A

A

A

A

Closed

FCRE8701

2024-01-09 15:08

2024-04-09 12:36

Resolved

1 - Information

C

A

Credit

Borrower

Business Entity Formation Document is Missing

Resolved-The Business Entity Formation Document is not Missing - Due Diligence Vendor-01/16/2024 Ready for Review-Document Uploaded.  - Seller-01/13/2024 Open-The Business Entity Formation Document is Missing Missing operating agreement for business entity. - Due Diligence Vendor-01/10/2024

Ready for Review-Document Uploaded.  - Seller-01/13/2024

Resolved-The Business Entity Formation Document is not Missing - Due Diligence Vendor-01/16/2024

Months Reserves exceed minimum required - Verified cash reserves of 21.71 months is more than the minimum required of 3 months

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

N/A

N/A

1363305

240206

C

B

C

B

A

A

A

A

Closed

FCRE8701

2024-01-10 14:31

2024-04-09 12:36

Resolved

1 - Information

C

A

Credit

Borrower

Business Entity Formation Document is Missing

Resolved-The Business Entity Formation Document is not Missing - Due Diligence Vendor-04/09/2024 Resolved--Rec'd Operating Agmt in XXXXX; finding resolved. - Due Diligence Vendor-01/12/2024 Ready for Review-Document Uploaded.  - Seller-01/11/2024 Open-The Business Entity Formation Document is Missing Loan closed in LLC, provide LLC docs. - Due Diligence Vendor-01/10/2024

Ready for Review-Document Uploaded.  - Seller-01/11/2024

Resolved-The Business Entity Formation Document is not Missing - Due Diligence Vendor-04/09/2024  Resolved--Rec'd Operating Agmt in XXXXX; finding resolved. - Due Diligence Vendor-01/12/2024

Months Reserves exceed minimum required - Months Reserves exceed minimum required. Funds to close came from EMD already paid (and cleared) to builder. Assets listed in Asset screen are all reserves Additional verified income not used to qualify - 1007 amount is $7,000.

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

N/A

N/A

1365749

240206

C

B

C

B

A

A

A

A

Closed

FCRE1194

2024-01-18 16:51

2024-01-18 17:09

Waived

2 - Non-Material

C

B

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Waived--Reduced Sales price by overage of XXXXX  resulting in DTI > 65%; actual is 66.16%. Originator waiver applied to non-material finding. - Due Diligence Vendor-01/18/2024 Open-Audited LTV of 66.16% exceeds Guideline LTV of 65% - Due Diligence Vendor-01/18/2024

Waived--Reduced Sales price by overage of XXXXX resulting in DTI > 65%; actual is 66.16%. Originator waiver applied to non-material finding. - Due Diligence Vendor-01/18/2024

Months Reserves exceed minimum required - Months Reserves exceed minimum required. Funds to close came from EMD already paid (and cleared) to builder. Assets listed in Asset screen are all reserves Additional verified income not used to qualify - 1007 amount is $7,000.

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

Originator Post-Close

No

1380240

240206

C

B

C

B

A

A

A

A

Closed

FCRE8705

2024-01-10 16:53

2024-01-18 16:52

Resolved

1 - Information

C

A

Credit

Eligibility

Excessive Seller Contributions

Resolved--Reduced Sales price by overage of XXXXX , this finding resolved and new finding added for exceeding max LTV. - Due Diligence Vendor-01/18/2024 Open-Loan closed with 84k in seller contributions which is within 6%, however, closing costs were only XXXXX - exceeding by XXXXX. Reducing the sales price by this amount would result in an LTV of 98% - Due Diligence Vendor-01/10/2024

Resolved--Reduced Sales price by overage of XXXXX, this finding resolved and new finding added for exceeding max LTV. - Due Diligence Vendor-01/18/2024

Months Reserves exceed minimum required - Months Reserves exceed minimum required. Funds to close came from EMD already paid (and cleared) to builder. Assets listed in Asset screen are all reserves Additional verified income not used to qualify - 1007 amount is $7,000.

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

N/A

N/A

1366133

240206

C

B

C

B

A

A

A

A

Closed

FCRE1440

2024-01-10 17:05

2024-01-12 16:02

Resolved

1 - Information

C

A

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved--Rec'd CD for new purchase of other REO; finding resolved after re-review to 11/29 guides per Client request.  No LTV reduction required for FTI. - Due Diligence Vendor-01/12/2024 Ready for Review-Document Uploaded.  - Seller-01/11/2024 Open-Housing History Does Not Meet Guideline Requirements 1003 lists a property on same road as subject. Guides require all US properties for a Foreign National to show a 0 x 30 mtg history. Provide history for REO or proof that REO wa just obtained and no pmts yet due. If borrower is not a an experienced Investor, LTV will need to be reduced by 5% - Due Diligence Vendor-01/10/2024

Ready for Review-Document Uploaded.  - Seller-01/11/2024

Resolved--Rec'd CD for new purchase of other REO; finding resolved after re-review to 11/29 guides per Client request.  No LTV reduction required for FTI. - Due Diligence Vendor-01/12/2024

Months Reserves exceed minimum required - Months Reserves exceed minimum required. Funds to close came from EMD already paid (and cleared) to builder. Assets listed in Asset screen are all reserves Additional verified income not used to qualify - 1007 amount is $7,000.

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

N/A

N/A

1366164

240534

D

A

A

A

A

A

D

A

Closed

FPRO1253

2024-01-10 16:02

2024-01-11 11:31

Resolved

1 - Information

D

A

Property

Missing Doc

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-- CU and LCA provided for the correct appraisal. Both support the value. - Due Diligence Vendor-01/11/2024 Ready for Review-Document Uploaded.  - Seller-01/10/2024 Open-CU in file is not based on the correct appraised value for the most recent appraisal used. - Due Diligence Vendor-01/10/2024

Ready for Review-Document Uploaded.  - Seller-01/10/2024

Resolved-- CU and LCA provided for the correct appraisal. Both support the value. - Due Diligence Vendor-01/11/2024

Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 729 is higher than the required 660 LTV is less than guideline maximum - LTV 47.16% is lower than maximum 65% Months Reserves exceed minimum required - 34.19 months reserves exceed required 3 by 31.19 months.

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CA

Investment

Purchase

NA

N/A

N/A

1365992

240543

C

A

C

A

A

A

A

A

Closed

FCRE1198

2024-01-15 14:32

2024-04-09 12:14

Resolved

1 - Information

C

A

Credit

Eligibility

Audited Reserves are less than Guideline Required Reserves (Number of Months)

Resolved-Audited Reserves of 4.08 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-01/19/2024 Open-Audited Reserves of  month(s) are less than Guideline Required Reserves of 3 month(s) dup - Due Diligence Vendor-01/15/2024

Resolved-Audited Reserves of 4.08 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-01/19/2024

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

N/A

N/A

1372101

240543

C

A

C

A

A

A

A

A

Closed

FCRE1479

2024-01-15 14:24

2024-01-19 16:55

Resolved

1 - Information

C

A

Credit

Assets

Asset 1 Does Not Meet Guideline Requirements

Resolved--All funds deposited in US account used for reserves were sourced from account with two months seasoning documented; finding resolved. - Due Diligence Vendor-01/19/2024 Open-Asset Record 1 Does Not Meet G/L Requirements Provide two months bank statements for XXXXX .  Only received 1.5 months.  - Due Diligence Vendor-01/15/2024

Resolved--All funds deposited in US account used for reserves were sourced from account with two months seasoning documented; finding resolved. - Due Diligence Vendor-01/19/2024

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

N/A

N/A

1372086

240543

C

A

C

A

A

A

A

A

Closed

FCRE9501

2024-01-15 14:24

2024-01-19 16:52

Resolved

1 - Information

C

A

Credit

Assets

Total Qualified Assets Post-Close is Less than $0

Resolved-Total Qualified Assets Post-Close are greater than $0. - Due Diligence Vendor-01/19/2024 Open-Total Qualified Assets Post-Close amount is XXXXX.  Assets are Insufficient. File is short XXXXX for Cash to close and reserves.  Foreign Assets (down payment, closing costs, reserves) must be transferred to US institutional bank account. - Due Diligence Vendor-01/15/2024

Resolved-Total Qualified Assets Post-Close are greater than $0. - Due Diligence Vendor-01/19/2024

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

N/A

N/A

1372089

240853

D

B

D

B

A

A

A

A

Closed

FCRE3653

2024-01-15 15:42

2024-01-19 11:12

Resolved

1 - Information

D

A

Credit

Missing Doc

Missing letter of explanation

Resolved-BP Cert reflects reason for cash-out; finding resolved. - Due Diligence Vendor-01/19/2024 Open-Provide cash out letter explanation for proceeds from Refinance.  - Due Diligence Vendor-01/15/2024

Resolved-BP Cert reflects reason for cash-out; finding resolved. - Due Diligence Vendor-01/19/2024

On time mortgage history exceeds guideline requirement - 12 months required; Rcvd 13 months timely payment Months Reserves exceed minimum required - 3 months; current 8.21 months

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Refinance

Cash Out - Other

N/A

N/A

1372194

240853

D

B

D

B

A

A

A

A

Closed

FCOM1221

2024-01-15 15:36

2024-01-19 11:10

Waived

2 - Non-Material

C

B

Credit

Closing

The Deed of Trust is Incomplete

Waived-POA is ineligible for Cash-out loans; Originator waiver applied to non-material finding. - Due Diligence Vendor-01/19/2024 Open-Power of Attorney (POA) is ineligible for Cash-Out Loans.  Exception will be required. - Due Diligence Vendor-01/15/2024

Waived-POA is ineligible for Cash-out loans; Originator waiver applied to non-material finding. - Due Diligence Vendor-01/19/2024

On time mortgage history exceeds guideline requirement - 12 months required; Rcvd 13 months timely payment Months Reserves exceed minimum required - 3 months; current 8.21 months

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Refinance

Cash Out - Other

Originator Post-Close

No

1372184

241183

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CA

Investment

Purchase

NA

241969

C

A

C

A

A

A

A

A

Closed

FCRE1254

2024-01-16 11:07

2024-01-18 12:15

Resolved

1 - Information

C

A

Credit

Title

Property Title Issue

Resolved-Re-reviewed to 11/29/23 guides per Client; 6 months seasoning not required - Due Diligence Vendor-01/18/2024 Open-Property Title Issue Cash out Refinance is ineligible for the Borrower.  Borrower was put on title on XXXXX  and the Note date is XXXXX. A minimum borrower seasoning requirement of six (6) months is required for a transaction to be eligible for cash-out (at least one borrower on the new loan must have been on title to the subject property [does not have to be on the mortgage] for at least six (6) months prior to the note date of the new loan).  - Due Diligence Vendor-01/16/2024

Resolved-Re-reviewed to 11/29/23 guides per Client; 6 months seasoning not required - Due Diligence Vendor-01/18/2024

Months Reserves exceed minimum required - 3 months required;27.5 reserves Qualifying FICO score is at least 20 points above minimum for program - Min Fico 700- current 770

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CA

Investment

Refinance

Cash Out - Other

N/A

N/A

1373474

242219

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

KY

Investment

Purchase

NA

242225

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CA

Investment

Refinance

Cash Out - Other

242227

C

A

C

A

A

A

A

A

Closed

FCRE1194

2024-01-16 15:54

2024-04-09 12:48

Resolved

1 - Information

C

A

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Resolved-Audited LTV of 65% is less than or equal to Guideline LTV of 65% - Due Diligence Vendor-04/09/2024 Resolved-Audited LTV of 65% is less than or equal to Guideline LTV of 65% - Due Diligence Vendor-04/09/2024 Resolved-Re-reviewed to 11/29/23 guides per client request; No reduction to LTV required - Max LTV is 65% - Due Diligence Vendor-01/19/2024 Open-Audited LTV of 65% exceeds Guideline LTV of 60% Borrowers are First Time Home Buyer and requires 5% LTV reduction.  Max LTV is 60%. - Due Diligence Vendor-01/16/2024

Resolved-Audited LTV of 65% is less than or equal to Guideline LTV of 65% - Due Diligence Vendor-04/09/2024  Resolved-Audited LTV of 65% is less than or equal to Guideline LTV of 65% - Due Diligence Vendor-04/09/2024  Resolved-Re-reviewed to 11/29/23 guides per client request; No reduction to LTV required - Max LTV is 65% - Due Diligence Vendor-01/19/2024

Months Reserves exceed minimum required - 3 months required. actual 10.88 months reserves

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

N/A

N/A

1374302

242227

C

A

C

A

A

A

A

A

Closed

FCRE1491

2024-01-16 15:43

2024-01-22 11:22

Resolved

1 - Information

C

A

Credit

Assets

Asset Qualification Does Not Meet Guideline Requirements

Resolved-Asset Qualification Meets Guideline Requirements - Operating agreement provided, 100% ownership - Due Diligence Vendor-01/22/2024 Ready for Review-Document Uploaded.  - Seller-01/19/2024 Open-Asset Qualification Does Not Meet Guideline Requirements Provide evidence the Borrower’s are 100% owner of XXXXX . Funds were used to pay Earnest Money. When business funds are used towards down payment, closing costs, and/or reserves, the ownership (i.e. percentage of ownership) of the business must be documented. - Due Diligence Vendor-01/16/2024

Ready for Review-Document Uploaded.  - Seller-01/19/2024

Resolved-Asset Qualification Meets Guideline Requirements - Operating agreement provided, 100% ownership - Due Diligence Vendor-01/22/2024

Months Reserves exceed minimum required - 3 months required. actual 10.88 months reserves

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

N/A

N/A

1374257

242227

C

A

C

A

A

A

A

A

Closed

FCRE7375

2024-01-16 15:45

2024-01-19 10:48

Resolved

1 - Information

C

A

Credit

Borrower

Citizenship Does Not Meet Guideline Requirements

Resolved--Borrower not in US; signed with POA (B2 signed for B1); I94 not required. - Due Diligence Vendor-01/19/2024 Open-Borrower I-94 is expired.  Provide Valid I-94.  - Due Diligence Vendor-01/16/2024

Resolved--Borrower not in US; signed with POA (B2 signed for B1); I94 not required. - Due Diligence Vendor-01/19/2024

Months Reserves exceed minimum required - 3 months required. actual 10.88 months reserves

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

N/A

N/A

1374273

243205

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

243208

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

VA

Investment

Purchase

NA

244157

D

A

D

A

A

A

A

A

Closed

FCRE7000

2024-01-23 11:36

2024-01-26 15:23

Resolved

1 - Information

D

A

Credit

Missing Doc

Required forms/disclosures missing

Resolved-Completed affidavit provided. - Due Diligence Vendor-01/26/2024 Ready for Review-Document Uploaded.  - Seller-01/25/2024 Counter--FL Foreign Interest Affidavit received is not complete;  No selection made under Item 3. - Due Diligence Vendor-01/24/2024 Ready for Review-Document Uploaded.  - Seller-01/24/2024 Open-Missing executed foreign interest affidavit - Due Diligence Vendor-01/23/2024

Ready for Review-Document Uploaded.  - Seller-01/25/2024  Ready for Review-Document Uploaded.  - Seller-01/24/2024

Resolved-Completed affidavit provided. - Due Diligence Vendor-01/26/2024

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

N/A

N/A

1387365

244157

D

A

D

A

A

A

A

A

Closed

FCRE1194

2024-01-23 11:15

2024-01-24 16:30

Resolved

1 - Information

C

A

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Resolved--Re-reviewed to earlier guides per Client request - Due Diligence Vendor-01/24/2024 Open-Audited LTV of 70% exceeds Guideline LTV of 65% Borrower is a first time investor and 5% LTV reduction is required.  - Due Diligence Vendor-01/23/2024

Resolved--Re-reviewed to earlier guides per Client request - Due Diligence Vendor-01/24/2024

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

N/A

N/A

1387278

244157

D

A

D

A

A

A

A

A

Closed

FCRE1198

2024-01-23 11:15

2024-01-24 16:30

Resolved

1 - Information

C

A

Credit

Eligibility

Audited Reserves are less than Guideline Required Reserves (Number of Months)

Resolved--Re-reviewed to earlier guides per Client request - Due Diligence Vendor-01/24/2024 Open-Audited Reserves of 3.8 month(s) are less than Guideline Required Reserves of 6 month(s) Verified assets are less then required reserves.  - Due Diligence Vendor-01/23/2024

Resolved--Re-reviewed to earlier guides per Client request - Due Diligence Vendor-01/24/2024

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

N/A

N/A

1387279

244166

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Refinance

Cash Out - Other

244398

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

HI

Investment

Purchase

NA

244403

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Refinance

No Cash Out - Borrower Initiated

244407

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

244759

C

A

C

A

A

A

A

A

Closed

FCRE1194

2024-01-25 13:44

2024-01-26 16:48

Resolved

1 - Information

C

A

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Resolved-Audited LTV of 70% is less than or equal to Guideline LTV of 70% - Due Diligence Vendor-01/26/2024 Resolved-Audited LTV of 70% is less than or equal to Guideline LTV of 70% - Due Diligence Vendor-01/26/2024 Resolved-**Re-reviewed to 11/29/23 guides per Client email - loan in pipeline prior to changes.  No LTV reduction required - Due Diligence Vendor-01/26/2024 Open-Audited LTV of 70% exceeds Guideline LTV of 65% Foreign national has not owned property in US in past three years. - Due Diligence Vendor-01/25/2024

Resolved-Audited LTV of 70% is less than or equal to Guideline LTV of 70% - Due Diligence Vendor-01/26/2024  Resolved-Audited LTV of 70% is less than or equal to Guideline LTV of 70% - Due Diligence Vendor-01/26/2024  Resolved-**Re-reviewed to 11/29/23 guides per Client email - loan in pipeline prior to changes.  No LTV reduction required - Due Diligence Vendor-01/26/2024

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

N/A

N/A

1392773

244759

C

A

C

A

A

A

A

A

Closed

FCRE1198

2024-01-25 13:44

2024-01-26 16:48

Resolved

1 - Information

C

A

Credit

Eligibility

Audited Reserves are less than Guideline Required Reserves (Number of Months)

Resolved-Audited Reserves of 5.6 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-01/26/2024 Resolved-Audited Reserves of 5.6 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-01/26/2024 Resolved-**Re-reviewed to 11/29/23 guides per Client email - loan in pipeline prior to changes. Only 3 months reserves required - Due Diligence Vendor-01/26/2024 Open-Audited Reserves of 5.6 month(s) are less than Guideline Required Reserves of 6 month(s) 6 months required due of DSCR < 1. - Due Diligence Vendor-01/25/2024

Resolved-Audited Reserves of 5.6 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-01/26/2024  Resolved-Audited Reserves of 5.6 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-01/26/2024  Resolved-**Re-reviewed to 11/29/23 guides per Client email - loan in pipeline prior to changes. Only 3 months reserves required - Due Diligence Vendor-01/26/2024

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

N/A

N/A

1392774

245160

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CA

Investment

Purchase

NA

245476

C

A

A

A

A

A

C

A

Closed

FPRO1136

2024-01-29 11:08

2024-01-31 14:15

Resolved

1 - Information

C

A

Property

Appraisal

Subject property appraisal is not on an as-is basis (Primary Value)

Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully or partially present, or Not Applicable - Due Diligence Vendor-01/31/2024 Ready for Review-Document Uploaded.  - Seller-01/29/2024 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Present Missing 1004D since the property is a new construction.  - Due Diligence Vendor-01/29/2024

Ready for Review-Document Uploaded.  - Seller-01/29/2024

Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully or partially present, or Not Applicable - Due Diligence Vendor-01/31/2024

Months Reserves exceed minimum required - 42.64 months reserves exceed required 3 by 39.64 months.

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

N/A

N/A

1397703

245477

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

245482

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TX

Investment

Purchase

NA

245483

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TX

Investment

Purchase

NA

247206

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CA

Investment

Refinance

No Cash Out - Borrower Initiated

247208

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

GA

Investment

Refinance

Cash Out - Other

247209

C

A

C

A

A

A

A

A

Closed

FCRE1194

2024-01-30 09:39

2024-02-01 14:01

Resolved

1 - Information

C

A

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Resolved-Audited LTV of 72.63% is less than or equal to Guideline LTV of 75% - Used 11/29/2023 guidelines per the Originator. - Due Diligence Vendor-02/01/2024 Ready for Review-Document Uploaded.  Please note application date was on XXXXX  please use guidelines from 11/29/2023.  updated data tape is also uploaded  - Seller-01/31/2024 Open-Audited LTV of 72.63% exceeds Guideline LTV of 70% LTV of 72.63% exceeds the max allowed of 70% -due to 1003 reflects borrower is renting , Fraud report reflects no owned REO history. Max LTV for DSCR <than 1.00% is 75% (LTV reduction of 5 % for FT Investor). - Due Diligence Vendor-01/30/2024

Ready for Review-Document Uploaded.  Please note application date was on XXXXX , please use guidelines from 11/29/2023.  updated data tape is also uploaded  - Seller-01/31/2024

Resolved-Audited LTV of 72.63% is less than or equal to Guideline LTV of 75% - Used 11/29/2023 guidelines per the Originator. - Due Diligence Vendor-02/01/2024

Qualifying FICO score is at least 20 points above minimum for program - Score is 708 and minimum allowed is 620.

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

NC

Investment

Purchase

NA

N/A

N/A

1400530

247209

C

A

C

A

A

A

A

A

Closed

FCRE1198

2024-01-30 12:54

2024-02-01 14:01

Resolved

1 - Information

C

A

Credit

Eligibility

Audited Reserves are less than Guideline Required Reserves (Number of Months)

Resolved-Audited Reserves of 3.09 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-02/01/2024 Resolved-Audited Reserves of 3.09 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Used 11/29/2023 per the originator. - Due Diligence Vendor-02/01/2024 Ready for Review- Please note application date was on XXXXX , please use guidelines from 11/29/2023. updated data tape is also uploaded  - Seller-01/31/2024 Open-Audited Reserves of 3.09 month(s) are less than Guideline Required Reserves of 6 month(s) -DSCR reserves are 6 months for DSCR <1.00 - Due Diligence Vendor-01/30/2024

Ready for Review- Please note application date was on XXXXX, please use guidelines from 11/29/2023. updated data tape is also uploaded  - Seller-01/31/2024

Resolved-Audited Reserves of 3.09 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-02/01/2024  Resolved-Audited Reserves of 3.09 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Used 11/29/2023 per the originator. - Due Diligence Vendor-02/01/2024

Qualifying FICO score is at least 20 points above minimum for program - Score is 708 and minimum allowed is 620.

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

NC

Investment

Purchase

NA

N/A

N/A

1401563

247213

C

A

C

A

A

A

A

A

Closed

FCRE1492

2024-01-30 08:19

2024-02-14 11:04

Resolved

1 - Information

C

A

Credit

Assets

Cash Out Does Not Meet Guideline Requirements

Resolved-Cash Out Meets Guideline Requirements - Business Purpose to purchase an investment property provided. - Due Diligence Vendor-02/14/2024 Counter-Business purpose provided.  Reason for cash out is "to buy a new property", however it does not reflect if the new property is going to be used for a purchase of an investment property, unable to verify business purpose. Finding remains. - Due Diligence Vendor-02/14/2024 Ready for Review-Document Uploaded.  - Seller-02/12/2024 Ready for Review-Document Uploaded.  - Seller-02/07/2024 Counter--Rec'd incomplete BP Cert; cash-out purpose is blank.  Finding remains. Borrower could meet the Delayed Financing guides if an LOX clearly indicating 100% of proceeds to be used for business purpose only; signed BP Cert in file left reason blank. - Due Diligence Vendor-02/01/2024 Ready for Review-Document Uploaded.  - Seller-01/31/2024 Open-Cash Out Does Not Meet Guideline Requirements Guides requires a min of 6 mos. seasoning. Home purchased home 2 months prior to closing - Due Diligence Vendor-01/30/2024

Ready for Review-Document Uploaded.  - Seller-02/12/2024  Ready for Review-Document Uploaded.  - Seller-02/07/2024  Ready for Review-Document Uploaded.  - Seller-01/31/2024

Resolved-Cash Out Meets Guideline Requirements - Business Purpose to purchase an investment property provided. - Due Diligence Vendor-02/14/2024

Qualifying FICO score is at least 20 points above minimum for program - Score is 731 and minimum allowed is 660. LTV is less than guideline maximum - LTV is 41.27% and max allowed is 65%. Months Reserves exceed minimum required - Borrower has 66.96 months of reserves and only needs 3 months to qualify.

Business purpose provided.  Reason for cash out is "to buy a new property", however it does not reflect if the new property is going to be used for a purchase of an investment property, unable to verify business purpose. Finding remains.

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Refinance

Cash Out - Other

N/A

N/A

1400241

247587

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CA

Investment

Purchase

NA

247590

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

GA

Investment

Purchase

NA

247596

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CA

Investment

Refinance

No Cash Out - Borrower Initiated

248311

D

A

D

A

A

A

A

A

Closed

FCRE1158

2024-02-02 09:11

2024-02-05 11:06

Resolved

1 - Information

D

A

Credit

Missing Doc

Hazard Insurance Policy is Partial

Resolved-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is not partially provided - Due Diligence Vendor-02/05/2024 Ready for Review-Document Uploaded. Please see attached copy of the updated PCCD. - Seller-02/02/2024 Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Missing Hazard Policy with correct premium . Policy reflect yrly premium of XXXXX. Final CD reflect a premium of XXXXX paid for the year. Escrows support a payment of XXXXX mthly which is XXXXX yrly. Need corrected Policy with correct premium.  - Due Diligence Vendor-02/02/2024

Ready for Review-Document Uploaded. Please see attached copy of the updated PCCD. - Seller-02/02/2024

Resolved-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is not partially provided - Due Diligence Vendor-02/05/2024

Months Reserves exceed minimum required - Borrower has 19.77  additional reserves Qualifying FICO score is at least 20 points above minimum for program - Score is 687 and minimum allowed is 660

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

WI

Investment

Purchase

NA

N/A

N/A

1410400

248599

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

ID

Investment

Refinance

Cash Out - Other

248716

C

A

C

A

A

A

A

A

Closed

FCRE0008

2024-01-31 19:56

2024-02-02 14:30

Resolved

1 - Information

C

A

Credit

Eligibility

Prepayment Penalty Discrepancy

Resolved-Updated tape reflecting a 3 year PPP provided. - Due Diligence Vendor-02/02/2024 Ready for Review-Document Uploaded.  - Seller-02/01/2024 Open-- Tape reflects no prepay, 36 month prepay addendum in file. - Due Diligence Vendor-02/01/2024

Ready for Review-Document Uploaded.  - Seller-02/01/2024

Resolved-Updated tape reflecting a 3 year PPP provided. - Due Diligence Vendor-02/02/2024

Months Reserves exceed minimum required - 4.12 months reserves exceed required 3 by 1.12 months. Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 689 is higher than the required 640

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

GA

Investment

Purchase

NA

N/A

N/A

1406308

248716

C

A

C

A

A

A

A

A

Closed

FCRE1460

2024-01-31 14:05

2024-02-02 14:28

Resolved

1 - Information

C

A

Credit

Assets

Asset 6 Less Than 2 Months Verified

Resolved-Asset 6 Verified Sufficiently Or Not Applicable - Due Diligence Vendor-02/02/2024 Ready for Review-Document Uploaded.  - Seller-02/02/2024 Open-Asset 6 Less Than 2 Months Verified Only 1 month from 12/1/23-12/31/23 of business account and need 2 months of the bank statement from XXXXX  - Due Diligence Vendor-01/31/2024

Ready for Review-Document Uploaded.  - Seller-02/02/2024

Resolved-Asset 6 Verified Sufficiently Or Not Applicable - Due Diligence Vendor-02/02/2024

Months Reserves exceed minimum required - 4.12 months reserves exceed required 3 by 1.12 months. Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 689 is higher than the required 640

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

GA

Investment

Purchase

NA

N/A

N/A

1405624

248941

C

A

A

A

A

A

C

A

Closed

FPRO1136

2024-02-06 12:22

2024-02-07 13:02

Resolved

1 - Information

C

A

Property

Appraisal

Subject property appraisal is not on an as-is basis (Primary Value)

Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully or partially present, or Not Applicable - Due Diligence Vendor-02/07/2024 Ready for Review-Document Uploaded.  - Seller-02/06/2024 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Present Missing 1004D cert for subject property, appraised "Subject to completion". - Due Diligence Vendor-02/06/2024

Ready for Review-Document Uploaded.  - Seller-02/06/2024

Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully or partially present, or Not Applicable - Due Diligence Vendor-02/07/2024

Months Reserves exceed minimum required - Verified assets of 37.59 months reserves exceed the minimum required of 3 months

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

N/A

N/A

1416764

248944

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Refinance

Cash Out - Other

248951

D

A

D

A

A

A

A

A

Closed

FCRE1198

2024-02-06 15:43

2024-02-08 10:35

Resolved

1 - Information

C

A

Credit

Eligibility

Audited Reserves are less than Guideline Required Reserves (Number of Months)

Resolved-Audited Reserves of 3.69 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) -  Per originator used 11/29/2023 guidelines. - Due Diligence Vendor-02/08/2024 Ready for Review-Document Uploaded. Please note Application date was on XXXXX , please use guidelines from 11/29/2023. Per guidelines audited reserves required is 3 months."" updated data tape is also uploaded "  - Seller-02/07/2024 Open-Audited Reserves of 3.74 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-02/06/2024

Ready for Review-Document Uploaded. Please note Application date was on XXXXX , please use guidelines from 11/29/2023. Per guidelines audited reserves required is 3 months."" updated data tape is also uploaded "  - Seller-02/07/2024

Resolved-Audited Reserves of 3.69 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) -  Per originator used 11/29/2023 guidelines. - Due Diligence Vendor-02/08/2024

Qualifying FICO score is at least 20 points above minimum for program - FICO is at least 20 point above minimum for program; 660. Bwr FICO 715. LTV is less than guideline maximum - LTV is less than guideline maximum of 80%; LTV is 75%.

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TN

Investment

Purchase

NA

N/A

N/A

1417557

248951

D

A

D

A

A

A

A

A

Closed

FCRE1152

2024-02-06 15:32

2024-02-07 11:59

Resolved

1 - Information

D

A

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-Evidence of Property Tax is present - Due Diligence Vendor-02/07/2024 Ready for Review-Document Uploaded.  - Seller-02/06/2024 Open-Missing Evidence of Property Tax Tax bill in file represents a value based on prior owner from XXXXXfor XXXXX  Lender used 110.95.  Provide tax cert or calculation to get to the 110.95 as 2.25% of the new value is much higher. - Due Diligence Vendor-02/06/2024

Ready for Review-Document Uploaded.  - Seller-02/06/2024

Resolved-Evidence of Property Tax is present - Due Diligence Vendor-02/07/2024

Qualifying FICO score is at least 20 points above minimum for program - FICO is at least 20 point above minimum for program; 660. Bwr FICO 715. LTV is less than guideline maximum - LTV is less than guideline maximum of 80%; LTV is 75%.

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TN

Investment

Purchase

NA

N/A

N/A

1417526

249845

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

IL

Investment

Refinance

Cash Out - Other

249849

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

NY

Investment

Refinance

Cash Out - Other

249850

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Refinance

Cash Out - Other

249856

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

SC

Investment

Purchase

NA

250222

C

B

C

B

A

A

A

A

Closed

FCRE1440

2024-02-07 13:39

2024-02-27 11:00

Resolved

1 - Information

C

A

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved--Housing history credit supplement in file; finding resolved. - Due Diligence Vendor-02/27/2024 Counter-8 month history for XXXXX provided, however we are missing subject housing history XXXXX .  Finding remains. - Due Diligence Vendor-02/12/2024 Ready for Review-Document Uploaded.  - Seller-02/09/2024 Open-Housing History Does Not Meet Guideline Requirements Provide a 12 mos history showing no more than 1 x 30 for the subject loan - Due Diligence Vendor-02/07/2024

Ready for Review-Document Uploaded.  - Seller-02/09/2024

Resolved--Housing history credit supplement in file; finding resolved. - Due Diligence Vendor-02/27/2024

On time mortgage history exceeds guideline requirement - Mortgage payment history exceeds guideline requirement of 1x30x12.

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TX

Investment

Refinance

No Cash Out - Borrower Initiated

N/A

N/A

1419954

250222

C

B

C

B

A

A

A

A

Closed

FCRE1198

2024-02-06 15:07

2024-02-21 09:34

Waived

2 - Non-Material

C

B

Credit

Eligibility

Audited Reserves are less than Guideline Required Reserves (Number of Months)

Waived--Originator waiver applied to non-material finding. - Due Diligence Vendor-02/21/2024 Counter--Closing funds wire transfer provided is dated after the most recent account balance verification in the file.  If funds are from another account please provide copy of account statements as required by guidelines.  Unable to update verified funds; no updated account balance provided to show funds drawn on account or updated balance.  Finding to remain. - Due Diligence Vendor-02/12/2024 Counter-Receipt of funds to close provided, however we are short the 3 months minimum reserves required. - Due Diligence Vendor-02/12/2024 Ready for Review-Document Uploaded.  - Seller-02/09/2024 Open-Audited Reserves of 2.28 month(s) are less than Guideline Required Reserves of 3 month(s) . Required reserves (above) may be waived when all borrowers have 0x30x12 on mortgage in credit report and payment on new loan is decreasing. Bwrs mortgage is not reporting on credit report; only real estate reporting on credit is a XXXXX  which counts as an installment account. - Due Diligence Vendor-02/06/2024

Ready for Review-Document Uploaded.  - Seller-02/09/2024

Waived--Originator waiver applied to non-material finding. - Due Diligence Vendor-02/21/2024

On time mortgage history exceeds guideline requirement - Mortgage payment history exceeds guideline requirement of 1x30x12.

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TX

Investment

Refinance

No Cash Out - Borrower Initiated

Originator Post-Close

No

1417428

250223

B

A

B

A

A

A

A

A

Closed

FCRE2244

2024-02-05 17:10

2024-02-27 10:53

Resolved

1 - Information

B

A

Credit

Eligibility

Property Does Not Meet Guidelines (credit)

Resolved--442 Cert provided indicates first floor bathroom fully completed; finding resolved. - Due Diligence Vendor-02/27/2024 Waived-Property Issues are identified for the property There is deferred maintenance on the subject.  The bathroom does not contain a  functional sink and there is no plumbing installed. There is another bathroom in the home, and therefore, would be deemed non material. Originator waiver applied to non material finding. - Due Diligence Vendor-02/05/2024

Resolved--442 Cert provided indicates first floor bathroom fully completed; finding resolved. - Due Diligence Vendor-02/27/2024  Waived-Property Issues are identified for the property There is deferred maintenance on the subject.  The bathroom does not contain a  functional sink and there is no plumbing installed. There is another bathroom in the home, and therefore, would be deemed non material. Originator waiver applied to non material finding. - Due Diligence Vendor-02/05/2024

Months Reserves exceed minimum required - 39.04 months reserves exceed required 3 by 36.04 months.

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

NY

Investment

Refinance

Cash Out - Other

N/A

N/A

1414644

250228

C

A

C

A

A

A

A

A

Closed

FCRE1194

2024-02-07 12:24

2024-02-08 12:56

Resolved

1 - Information

C

A

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Resolved--Borrower is not a FTHB and therefore not subject to 5% LTV reduction; finding resolved. - Due Diligence Vendor-02/08/2024 Open-Audited LTV of 80% exceeds Guideline LTV of 75% Borrower is a FT Investor. 5% LTV reduction. - Due Diligence Vendor-02/07/2024

Resolved--Borrower is not a FTHB and therefore not subject to 5% LTV reduction; finding resolved. - Due Diligence Vendor-02/08/2024

DSCR % greater than 1.20 - DSCR is greater than 1.20; DSCR for loan is 1.41. Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score of 796 is at least 20 points above minimum of 700 for product.

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

N/A

N/A

1419581

250229

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

251393

D

A

D

A

A

A

A

A

Closed

FCRE1157

2024-02-07 15:28

2024-02-09 12:29

Resolved

1 - Information

D

A

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - HOI provided. - Due Diligence Vendor-02/09/2024 Ready for Review-Document Uploaded.  - Seller-02/08/2024 Open-Missing Hazard Insurance Policy Missing Hazard Insurance Binder for subject property. - Due Diligence Vendor-02/07/2024

Ready for Review-Document Uploaded.  - Seller-02/08/2024

Resolved-Hazard Insurance Policy is fully present - HOI provided. - Due Diligence Vendor-02/09/2024

Months Reserves exceed minimum required - Verified assets of 32.05 months reserves exceed the minimum required of 3 months Qualifying FICO score is at least 20 points above minimum for program - FICO of 787 exceeds the minimum FICO of 640 required per guidelines.

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

N/A

N/A

1420397

251397

B

B

B

B

A

A

A

A

Closed

FCRE6763

2024-02-08 17:09

2024-03-13 13:48

Waived

2 - Non-Material

B

B

Credit

Income/Employment

Income documentation does not meet guidelines

Waived-Client waiver request with comp factors submitted along with update to guidelines which allow for PTIN prepared P&L. - Due Diligence Vendor-02/08/2024

Waived-Client waiver request with comp factors submitted along with update to guidelines which allow for PTIN prepared P&L. - Due Diligence Vendor-02/08/2024

Months Reserves exceed minimum required - Verified assets of 30.4 months reserves exceed the minimum required of 6 months Qualifying DTI below maximum allowed - DTI of 34.34% is less than the maximum allowed per guidelines of 49% Qualifying FICO score is at least 20 points above minimum for program - FICO of 736 exceeds the minimum FICO of 660 required per guidelines.

DTI of 34.34% is less than the maximum allowed per guidelines of 49% FICO of 736 exceeds the minimum FICO of 660 required per guidelines. Verified assets of 30.4 months reserves exceed the minimum required of 6 months

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

NC

Investment

Purchase

NA

Originator Post-Close

No

1423960

251399

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

OH

Investment

Purchase

NA

251400

A

A

A

A

A

A

A

A

A

A

Non-QM: APOR

Non-QM: APOR

XXXXX

CA

Primary Residence

Purchase

NA

252124

D

A

D

A

A

A

A

A

Closed

FCRE1201

2024-02-08 17:32

2024-02-14 10:56

Resolved

1 - Information

D

A

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Third Party Fraud Report is provided - with all high alerts cleared. - Due Diligence Vendor-02/14/2024 Ready for Review-Document Uploaded.  - Seller-02/13/2024 Open-Missing Third Party Fraud Report - Due Diligence Vendor-02/08/2024

Ready for Review-Document Uploaded.  - Seller-02/13/2024

Resolved-Third Party Fraud Report is provided - with all high alerts cleared. - Due Diligence Vendor-02/14/2024

Months Reserves exceed minimum required - Credit report reflects on time mortgage history for the last 45 months Qualifying FICO score is at least 20 points above minimum for program - FICO of 797 exceeds the minimum FICO of 700 required per guidelines.

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CA

Investment

Refinance

Cash Out - Other

N/A

N/A

1424016

252128

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

DE

Investment

Refinance

Cash Out - Other

252130

C

B

C

B

A

A

A

A

Closed

FCRE1492

2024-02-07 15:46

2024-02-15 09:57

Waived

2 - Non-Material

C

B

Credit

Assets

Cash Out Does Not Meet Guideline Requirements

Waived-Property has new flooring, paint and kitchen updates; waiver requested to use appraised value.  Originator waiver applied to non-material finding. - Due Diligence Vendor-02/15/2024 Counter--The loan was reviewed using the appraised value per 1008 provided.  The guidelines require use of prior purchase price + documented costs of improvements for LTV calculation when ownership seasoning is < 12 months.  If documented costs of improvements supporting increase in value then LTV may be > 70% max for C/O transaction with DSCR < 1. The appraisal provided did not detail and value any improvements made by the Borrower since acquiring the property.  - Due Diligence Vendor-02/13/2024 Open-Property was acquired on 6/28/2203. Per guides cash-out seasoning is less than 12 months, but greater than 6 months, the transaction property value is limited to the lower of the current appraised value or the property’s purchase price plus documented improvements analyzed by the appraiser. - Due Diligence Vendor-02/07/2024

Waived-Property has new flooring, paint and kitchen updates; waiver requested to use appraised value.  Originator waiver applied to non-material finding. - Due Diligence Vendor-02/15/2024

Months Reserves exceed minimum required - 81.01 months reserves exceed required 6 by 75.01 months. Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 746 is higher than the required 660. LTV is less than guideline maximum - LTV 64.50% is lower than maximum 75%

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TX

Investment

Refinance

Cash Out - Other

Originator Post-Close

No

1420472

252131

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CA

Investment

Purchase

NA

252350

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CO

Investment

Refinance

Cash Out - Other

252353

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

GA

Investment

Refinance

Cash Out - Other

252354

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

KY

Investment

Purchase

NA

252355

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

VA

Investment

Purchase

NA

252769

C

A

C

A

A

A

A

A

Closed

FCRE1159

2024-02-12 12:47

2024-02-14 10:58

Resolved

1 - Information

C

A

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Hazard Insurance Effective Date of XXXXX  is prior to or equal to the Note Date of XXXXX  Or Hazard Insurance Effective Date Is Not Provided - Revised Binder provided. - Due Diligence Vendor-02/14/2024 Ready for Review-Document Uploaded. Kindly waive. Please refer to page 292-294 of the loan package and also uploaded. thank you.  - Seller-02/13/2024 Open-Hazard Insurance Effective Date of XXXXX  is after the Note Date of XXXXX  -HOI effective date is after disbursement date per Final CD in file. - Due Diligence Vendor-02/12/2024

Ready for Review-Document Uploaded. Kindly waive. Please refer to page 292-294 of the loan package and also uploaded. thank you.  - Seller-02/13/2024

Resolved-Hazard Insurance Effective Date of XXXXX is prior to or equal to the Note Date of XXXXX Or Hazard Insurance Effective Date Is Not Provided - Revised Binder provided. - Due Diligence Vendor-02/14/2024

Qualifying FICO score is at least 20 points above minimum for program - FICO of 723 exceeds the minimum FICO of 640 required per guidelines. LTV is less than guideline maximum - LTV of 65% is below the maximum of 75% allowed per guidelines.

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TX

Investment

Purchase

NA

N/A

N/A

1429167

252770

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

IL

Investment

Purchase

NA

253142

C

A

C

A

A

A

A

A

Closed

FCRE1198

2024-02-13 07:30

2024-02-16 10:23

Resolved

1 - Information

C

A

Credit

Eligibility

Audited Reserves are less than Guideline Required Reserves (Number of Months)

Resolved-Re-reviewed to 04/28/23 matrix/guides per Client - Due Diligence Vendor-02/16/2024 Open-Audited Reserves of 5.01 month(s) are less than Guideline Required Reserves of 6 month(s) Verified assets do not cover cash reserves required. - Due Diligence Vendor-02/13/2024

Resolved-Re-reviewed to 04/28/23 matrix/guides per Client - Due Diligence Vendor-02/16/2024

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

N/A

N/A

1430740

253148

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

OR

Investment

Refinance

Cash Out - Other

253371

C

A

C

A

A

A

A

A

Closed

FPRO1249

2024-02-13 08:24

2024-02-15 09:44

Resolved

1 - Information

C

A

Credit

Eligibility

Neighborhood Location Not Allowed for Program

Resolved--Re-reviewed to 11/29/23 guides per Client request - loan in pipeline; rural properties not ineligible. - Due Diligence Vendor-02/15/2024 Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Rural Properties are ineligible. 4 of 5 comparables are < 5 miles from subject and subject has several large outbuildings.  - Due Diligence Vendor-02/13/2024

Resolved--Re-reviewed to 11/29/23 guides per Client request - loan in pipeline; rural properties not ineligible. - Due Diligence Vendor-02/15/2024

Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 804 is higher than the required 660. Months Reserves exceed minimum required - 38.29 months reserves exceed required 3 by 35.29 months.

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CA

Investment

Refinance

No Cash Out - Borrower Initiated

N/A

N/A

1430831

253372

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

MI

Investment

Purchase

NA

253379

A

A

A

A

A

A

A

A

A

A

Non-QM: APOR

Non-QM: APOR

XXXXX

TX

Primary Residence

Purchase

NA

253919

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

IL

Investment

Refinance

Cash Out - Other

253923

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

MO

Investment

Purchase

NA

253925

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

NJ

Investment

Refinance

Cash Out - Other

253926

C

A

C

A

A

A

A

A

Closed

FCRE1492

2024-02-14 08:59

2024-02-23 10:57

Resolved

1 - Information

C

A

Credit

Assets

Cash Out Does Not Meet Guideline Requirements

Resolved--Delayed Financing guidelines met; finding resolved. - Due Diligence Vendor-02/23/2024 Counter-I believe we will need an exception waiver with at least two compensating factors for seasoning requirements not met.  - Due Diligence Vendor-02/22/2024 Ready for Review-Hello, Could you please provide us additional information to clear this condition? thank you.  - Seller-02/21/2024 Counter-HUD-1 for purchase of the subject received, however seasoning requirements have not been met.  Finding Remains. - Due Diligence Vendor-02/16/2024 Ready for Review-Document Uploaded.  - Seller-02/15/2024 Open-Cash Out Does Not Meet Guideline Requirements Guides requires a min of 6 mos. seasoning. Home purchased home 2 mos prior to closing. - Due Diligence Vendor-02/14/2024

Ready for Review-Hello, Could you please provide us additional information to clear this condition? thank you.  - Seller-02/21/2024  Ready for Review-Document Uploaded.  - Seller-02/15/2024

Resolved--Delayed Financing guidelines met; finding resolved. - Due Diligence Vendor-02/23/2024

DSCR % greater than 1.20 - DSCR 1.28% greater than 1.20 Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 699 is higher than the required 640 LTV is less than guideline maximum - LTV 54.79% is lower than maximum 70%

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Refinance

Cash Out - Other

N/A

N/A

1434076

254526

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

MO

Investment

Refinance

Cash Out - Other

254529

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CA

Investment

Purchase

NA

254530

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

254531

C

A

C

A

A

A

A

A

Closed

FCRE9488

2024-02-19 09:50

2024-02-19 16:03

Resolved

1 - Information

C

A

Credit

Borrower

Potential Occupancy/Current Address Issues identified in the file

Resolved-- Received email stating cash out on subject property was used to purchase primary and closed concurrently with this loan.  - Due Diligence Vendor-02/19/2024 Open-Provide a letter of explanation on the current residence on the occupancy status as to a Investment , per appraisal and 1003 subject is owner occupied primary. - Due Diligence Vendor-02/19/2024

Resolved-- Received email stating cash out on subject property was used to purchase primary and closed concurrently with this loan.  - Due Diligence Vendor-02/19/2024

Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 711 is higher than the required 660. Qualifying DTI below maximum allowed - DTI 15.39% is lower than allowable 49%

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CA

Investment

Refinance

Cash Out - Other

N/A

N/A

1442015

254532

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TX

Investment

Purchase

NA

254533

A

A

A

A

A

A

A

A

A

A

Non-QM: APOR

Non-QM: APOR

XXXXX

FL

Primary Residence

Purchase

NA

254534

B

B

B

B

A

A

A

A

Closed

FCRE7497

2024-02-15 16:00

2024-02-15 17:58

Waived

2 - Non-Material

B

B

Credit

Missing Doc

Missing verification of taxes, insurance, and/or HOA fees for non-subject property

Waived-Provided evidence if taxes and ins. for property XXXXX are  escrowed. HOA are not needed per statement. hoi Policy not provided. Deemed non material due to DTI of 32% with allowable 49%. Originator waiver applied to non material finding. - Due Diligence Vendor-02/15/2024

Waived-Provided evidence if taxes and ins. for property XXXXX  are  escrowed. HOA are not needed per statement. hoi Policy not provided. Deemed non material due to DTI of 32% with allowable 49%. Originator waiver applied to non material finding. - Due Diligence Vendor-02/15/2024

Qualifying DTI below maximum allowed - DTI 32.12% is lower than allowable 49% Months Reserves exceed minimum required - 44.38 months reserves exceed required 6 by 38.38 months.

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Refinance

Cash Out - Other

Originator Post-Close

No

1438223

254845

C

B

C

B

A

A

A

A

Closed

FCRE1194

2024-02-16 22:46

2024-02-21 10:23

Waived

2 - Non-Material

C

B

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Waived--Originator waiver applied to non-material finding. - Due Diligence Vendor-02/21/2024 Open-Audited LTV of 75% exceeds Guideline LTV of 70% LTV exceeds the max. allowed per guidelines. This was  due to 5% LTV reduction due to property  being in a declining market. - Due Diligence Vendor-02/17/2024

Waived--Originator waiver applied to non-material finding. - Due Diligence Vendor-02/21/2024

Qualifying FICO score is at least 20 points above minimum for program - FICO of 767 exceeds the minimum FICO of 680 required per guidelines. DSCR % greater than 1.20 - Calculated DSCR of 2.26 Months Reserves exceed minimum required - Verified assets of 90.77months reserves exceed the minimum required of 3 months

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

OH

Investment

Refinance

Cash Out - Other

Originator Post-Close

No

1441187

254847

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

NY

Investment

Purchase

NA

254848

D

B

D

B

A

A

A

A

Closed

FCRE1325

2024-02-16 12:07

2024-02-26 11:20

Waived

2 - Non-Material

D

B

Credit

Missing Doc

Borrower 1 CPA Letter Missing

Waived--Originator waiver applied to non-material finding. - Due Diligence Vendor-02/26/2024 Open-CPA letter was provided but missing documentation that the Licensed Tax Preparer has either prepared or reviewed the most recent 2 years of business tax return filing.  - Due Diligence Vendor-02/16/2024

Waived--Originator waiver applied to non-material finding. - Due Diligence Vendor-02/26/2024

Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 711 is higher than the required 660. Qualifying DTI below maximum allowed - DTI 42.64% is lower than allowable 49%

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

XXXXX

CA

Primary Residence

Purchase

NA

Originator Post-Close

No

1439833

254848

D

B

D

B

A

A

A

A

Closed

FCRE1506

2024-02-16 12:43

2024-02-26 10:36

Resolved

1 - Information

C

A

Credit

QM-ATR

Invalid Final QM Status - ATR/QM: Status Pending

Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - PITIA verification provided. - Due Diligence Vendor-02/26/2024 Ready for Review-Document Uploaded.  - Seller-02/23/2024 Open-Provide mortgage statement for the property XXXXX that is being retained to confirm total PITI payment. - Due Diligence Vendor-02/19/2024 Open- - Due Diligence Vendor-02/19/2024 Rescinded-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-02/16/2024

Ready for Review-Document Uploaded.  - Seller-02/23/2024

Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - PITIA verification provided. - Due Diligence Vendor-02/26/2024  Rescinded-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-02/16/2024

Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 711 is higher than the required 660. Qualifying DTI below maximum allowed - DTI 42.64% is lower than allowable 49%

XXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

XXXXX

CA

Primary Residence

Purchase

NA

N/A

N/A

1440034

254848

D

B

D

B

A

A

A

A

Closed

FCRE7497

2024-02-16 13:44

2024-02-26 10:32

Resolved

1 - Information

D

A

Credit

Missing Doc

Missing verification of taxes, insurance, and/or HOA fees for non-subject property

Resolved-PITIA for XXXXX provided. - Due Diligence Vendor-02/26/2024 Ready for Review-Document Uploaded.  - Seller-02/23/2024 Open-Missing evidence of PITIA on property XXXXX . (Audit used 1003 PITIA) - Due Diligence Vendor-02/16/2024

Ready for Review-Document Uploaded.  - Seller-02/23/2024

Resolved-PITIA for XXXXX provided. - Due Diligence Vendor-02/26/2024

Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 711 is higher than the required 660. Qualifying DTI below maximum allowed - DTI 42.64% is lower than allowable 49%

XXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

XXXXX

CA

Primary Residence

Purchase

NA

N/A

N/A

1440282

254848

D

B

D

B

A

A

A

A

Closed

FCRE1198

2024-02-16 12:48

2024-02-16 13:46

Waived

2 - Non-Material

B

B

Credit

Eligibility

Audited Reserves are less than Guideline Required Reserves (Number of Months)

Waived-Audited Reserves of 5.21 month(s) are less than Guideline Required Reserves of 6 month(s) 6 Months reserves are required. Reserves short less than 1 month deemed non material. Originator waiver applied to non material finding - Due Diligence Vendor-02/16/2024

Waived-Audited Reserves of 5.21 month(s) are less than Guideline Required Reserves of 6 month(s) 6 Months reserves are required. Reserves short less than 1 month deemed non material. Originator waiver applied to non material finding - Due Diligence Vendor-02/16/2024

Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 711 is higher than the required 660. Qualifying DTI below maximum allowed - DTI 42.64% is lower than allowable 49%

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

XXXXX

CA

Primary Residence

Purchase

NA

Originator Post-Close

No

1440047

255498

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CA

Investment

Refinance

Cash Out - Other

255500

B

B

B

B

B

B

A

A

Closed

FCRE0019

2024-02-20 13:48

2024-02-20 13:48

Waived

2 - Non-Material

B

B

Credit

Income/Employment

PTIN Prepared P&L

Waived-PTIN prepared the P&L.  -Originator waiver request with comp factors submitted along with update to guidelines which allow for PTIN prepared P&L - Due Diligence Vendor-02/20/2024

Waived-PTIN prepared the P&L.  -Originator waiver request with comp factors submitted along with update to guidelines which allow for PTIN prepared P&L - Due Diligence Vendor-02/20/2024

Qualifying DTI below maximum allowed - DTI of 41.45% is less than the maximum allowed per guidelines of 49% LTV is less than guideline maximum - LTV of 50% is below the maximum of 65% allowed per guidelines. Months Reserves exceed minimum required - Verified assets of 73.65 months reserves exceed the minimum required of 6 months

Non-QM: APOR

Non-QM: APOR

XXXXX

FL

Primary Residence

Purchase

NA

Originator Post-Close

No

1444584

255500

B

B

B

B

B

B

A

A

Closed

FCOM1301

2024-02-19 07:32

2024-02-19 07:32

Waived

2 - Non-Material

B

B

Compliance

Missing Doc

Home Loan Toolkit is Missing

Waived-The Home Loan Toolkit disclosure is missing. Non Client waiver applied to non material findings.  - Due Diligence Vendor-02/19/2024

Waived-The Home Loan Toolkit disclosure is missing. Non Client waiver applied to non material findings.  - Due Diligence Vendor-02/19/2024

Qualifying DTI below maximum allowed - DTI of 41.45% is less than the maximum allowed per guidelines of 49% LTV is less than guideline maximum - LTV of 50% is below the maximum of 65% allowed per guidelines. Months Reserves exceed minimum required - Verified assets of 73.65 months reserves exceed the minimum required of 6 months

Non-QM: APOR

Non-QM: APOR

XXXXX

FL

Primary Residence

Purchase

NA

Investor Post-Close

No

1441682

255501

D

A

A

A

A

A

D

A

Closed

FPRO1253

2024-02-20 17:13

2024-02-26 10:40

Resolved

1 - Information

D

A

Property

Missing Doc

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Desk Review supporting the appraised value provided. - Due Diligence Vendor-02/26/2024 Ready for Review-Document Uploaded.  - Seller-02/23/2024 Open--CU score < 2.5 desk review required. - Due Diligence Vendor-02/20/2024

Ready for Review-Document Uploaded.  - Seller-02/23/2024

Resolved-Desk Review supporting the appraised value provided. - Due Diligence Vendor-02/26/2024

Months Reserves exceed minimum required - Verified assets of 85.08 months reserves exceed the minimum required of 3 months

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Refinance

Cash Out - Other

N/A

N/A

1445123

255502

B

B

B

B

A

A

A

A

Closed

FCRE0019

2024-02-20 14:27

2024-02-20 16:17

Waived

2 - Non-Material

B

B

Credit

Income/Employment

PTIN Prepared P&L

Waived-PTIN prepared the P&L.  -Originator waiver request with comp factors submitted along with update to guidelines which allow for PTIN prepared P&L - Due Diligence Vendor-02/20/2024

Waived-PTIN prepared the P&L.  -Originator waiver request with comp factors submitted along with update to guidelines which allow for PTIN prepared P&L - Due Diligence Vendor-02/20/2024

Qualifying FICO score is at least 20 points above minimum for program - FICO of 743 exceeds the minimum FICO of 660 required per guidelines. Qualifying DTI below maximum allowed - DTI of 33.56% is less than the maximum allowed per guidelines of 49% Months Reserves exceed minimum required - Verified assets of 18.95 months reserves exceed the minimum required of 3 months

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

SC

Investment

Purchase

NA

Originator Post-Close

No

1444697

255800

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

IN

Investment

Refinance

Cash Out - Other

255802

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

MA

Investment

Purchase

NA

255803

C

A

C

A

A

A

A

A

Closed

FCRE1491

2024-02-21 16:03

2024-02-23 11:26

Resolved

1 - Information

C

A

Credit

Assets

Asset Qualification Does Not Meet Guideline Requirements

Resolved-Asset Qualification Meets Guideline Requirements - Operating agreement provided - 100% owner. - Due Diligence Vendor-02/23/2024 Ready for Review-Document Uploaded. Borrower is a single member a 100% owner. - Seller-02/22/2024 Open-Asset Qualification Does Not Meet Guideline Requirements Asset used is in the name of a LLC - File is missing proof that Borrower Owns LLC/Borrower Has Access to Funds - Due Diligence Vendor-02/21/2024

Ready for Review-Document Uploaded. Borrower is a single member a 100% owner. - Seller-02/22/2024

Resolved-Asset Qualification Meets Guideline Requirements - Operating agreement provided - 100% owner. - Due Diligence Vendor-02/23/2024

Months Reserves exceed minimum required - Reserves = 10 Months – Min Reserves = 3 Months Qualifying FICO score is at least 20 points above minimum for program - FICO = 755 – Min FICO = 700

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

MI

Investment

Purchase

NA

N/A

N/A

1447110

255804

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

OH

Investment

Purchase

NA

255805

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

GA

Investment

Purchase

NA

255806

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

OK

Investment

Refinance

Cash Out - Other

255807

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TX

Investment

Purchase

NA

255808

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

255809

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

NV

Investment

Refinance

Cash Out - Other

255810

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TX

Investment

Purchase

NA

256191

A

A

A

A

A

A

A

A

A

A

Non-QM: APOR

Non-QM: APOR

XXXXX

FL

Primary Residence

Refinance

No Cash Out - Borrower Initiated

256192

C

A

C

A

A

A

A

A

Closed

FCRE1492

2024-02-22 12:08

2024-02-23 18:22

Resolved

1 - Information

C

A

Credit

Assets

Cash Out Does Not Meet Guideline Requirements

Resolved--Property acquired XXXXX  and loan closed XXXXX ; 6 month seasoning requirement met. - Due Diligence Vendor-02/23/2024 Open-Transaction does not meet C/O seasoning guidelines as property was acquired less than 6 months from note date. - Due Diligence Vendor-02/22/2024

Resolved--Property acquired XXXXX and loan closed XXXXX; 6 month seasoning requirement met. - Due Diligence Vendor-02/23/2024

Qualifying FICO score is at least 20 points above minimum for program - FICO of 740 exceeds the minimum FICO of 660 required per guidelines LTV is less than guideline maximum - LTV of 61.33% is below the maximum of 75% allowed per guidelines.

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TX

Investment

Refinance

Cash Out - Other

N/A

N/A

1448596

256195

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

PA

Investment

Purchase

NA

256564

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

NY

Investment

Purchase

NA

256565

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

NC

Investment

Purchase

NA

256566

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

GA

Investment

Purchase

NA

256567

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TX

Investment

Purchase

NA

256568

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

HI

Investment

Purchase

NA

256830

C

A

C

A

A

A

A

A

Closed

FCRE4989

2024-02-26 09:57

2024-03-01 12:00

Resolved

1 - Information

C

A

Credit

Closing

Collections, liens or judgments not paid at closing

Resolved-Credit supplement provided removing the Collection and Charge offs provided. Not our borrower. - Due Diligence Vendor-03/01/2024 Ready for Review-Document Uploaded.  - Seller-02/28/2024 Open-1 Collection and 2 charge off accounts reported on credit report not paid at closing. - Due Diligence Vendor-02/26/2024

Ready for Review-Document Uploaded.  - Seller-02/28/2024

Resolved-Credit supplement provided removing the Collection and Charge offs provided. Not our borrower. - Due Diligence Vendor-03/01/2024

Months Reserves exceed minimum required - Verified assets of 13.98 months reserves exceed the minimum required of 3 months DSCR % greater than 1.20 - Calculated DSCR of 1.25 LTV is less than guideline maximum - LTV of 43.23% is below the maximum of 80% allowed per guidelines.

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CO

Investment

Refinance

Cash Out - Other

N/A

N/A

1453210

256832

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

256833

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

GA

Investment

Purchase

NA

256834

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TX

Investment

Purchase

NA

259162

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Refinance

No Cash Out - Borrower Initiated

259164

D

A

D

A

A

A

A

A

Closed

FCRE1161

2024-02-27 15:23

2024-02-29 10:43

Resolved

1 - Information

D

A

Credit

Missing Doc

Flood Certificate Missing

Resolved-Flood Certificate is fully present - Due Diligence Vendor-02/29/2024 Ready for Review-Document Uploaded.  - Seller-02/27/2024 Open-Missing Flood Certificate -Missing required Flood Cert. - Due Diligence Vendor-02/27/2024

Ready for Review-Document Uploaded.  - Seller-02/27/2024

Resolved-Flood Certificate is fully present - Due Diligence Vendor-02/29/2024

Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 770 is higher than the required 640 LTV is less than guideline maximum - -65% LTV < 70% max Months Reserves exceed minimum required - 10.01 months reserves exceed required 6 by 4.01 months.

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

OK

Investment

Purchase

NA

N/A

N/A

1456884

259165

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

LA

Investment

Purchase

NA

259166

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

259167

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

259168

D

A

D

A

A

A

A

A

Closed

FCRE6763

2024-02-27 15:48

2024-03-05 12:21

Resolved

1 - Information

C

A

Credit

Income/Employment

Income documentation does not meet guidelines

Resolved-English internet directory provided. - Due Diligence Vendor-03/05/2024 Ready for Review-Document Uploaded.  - Seller-03/01/2024 Counter--Rec'd Spanish language documents; please provide translated document for review. - Due Diligence Vendor-02/29/2024 Ready for Review-Document Uploaded.  - Seller-02/28/2024 Open-Letter from Tax preparer is missing the preparer's license number. - Due Diligence Vendor-02/27/2024

Ready for Review-Document Uploaded.  - Seller-03/01/2024  Ready for Review-Document Uploaded.  - Seller-02/28/2024

Resolved-English internet directory provided. - Due Diligence Vendor-03/05/2024

Qualifying DTI below maximum allowed - DTI of 36.65% is less than the maximum allowed per guidelines of 49% Months Reserves exceed minimum required - Verified assets of 23.29 months reserves exceed the minimum required of 6 months

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

N/A

N/A

1456978

259168

D

A

D

A

A

A

A

A

Closed

FCRE6019

2024-02-27 15:37

2024-02-29 10:42

Resolved

1 - Information

D

A

Credit

Missing Doc

Citizenship Documentation Not Provided

Resolved--XXXXX is on VWP list; required documentation already provided. - Due Diligence Vendor-02/29/2024 Open-Borrower Citizenship Documentation Is Missing Missing copy of borrower's VISA as required for Foreign National. - Due Diligence Vendor-02/27/2024

Resolved--XXXXX is on VWP list; required documentation already provided. - Due Diligence Vendor-02/29/2024

Qualifying DTI below maximum allowed - DTI of 36.65% is less than the maximum allowed per guidelines of 49% Months Reserves exceed minimum required - Verified assets of 23.29 months reserves exceed the minimum required of 6 months

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

N/A

N/A

1456934

259169

C

B

A

A

A

A

C

B

Closed

FVAL1039

2024-02-27 09:35

2024-03-18 11:50

Waived

2 - Non-Material

C

B

Property

Value

Appraised value unsupported

Waived--Desk review does not support within 10% of appraised value, however, does support within 10% of purchase price - allowed per updated guides - Originator waiver applied - Due Diligence Vendor-03/18/2024 Open-Secondary valuation provided has a variance of greater than -10% compared to the original appraised value -Desk review variance is > 10%; a field review is required.   - Due Diligence Vendor-02/27/2024

Waived--Desk review does not support within 10% of appraised value, however, does support within 10% of purchase price - allowed per updated guides - Originator waiver applied - Due Diligence Vendor-03/18/2024

Months Reserves exceed minimum required - Verified assets of 128.85 months reserves exceed the minimum required of 3 months Qualifying FICO score is at least 20 points above minimum for program - FICO of 729 exceeds the minimum FICO of 660 required per guidelines. LTV is less than guideline maximum - LTV of 75% is below the maximum of 80% allowed per guidelines.

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

NJ

Investment

Purchase

NA

Originator Post-Close

No

1455793

259171

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

259172

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TX

Investment

Purchase

NA

259173

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CO

Investment

Refinance

Cash Out - Other

259174

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

NV

Investment

Purchase

NA

259175

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

PA

Investment

Purchase

NA

261352

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CA

Investment

Refinance

Cash Out - Other

261354

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

261355

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CO

Investment

Refinance

Cash Out - Other

261357

B

B

B

B

A

A

A

A

Closed

FCRE1200

2024-02-28 14:31

2024-02-28 16:11

Waived

2 - Non-Material

B

B

Credit

Eligibility

Audited Loan Amount is less than Guideline Minimum Loan Amount

Waived-Audited Loan Amount of XXXXX  is less than the Guideline Minimum Loan Amount of XXXXX. The Lock confirmation shows the adjustment. Originator waiver applied to non material finding - Due Diligence Vendor-02/28/2024

Waived-Audited Loan Amount of XXXXX is less than the Guideline Minimum Loan Amount of XXXXX The Lock confirmation shows the adjustment. Originator waiver applied to non material finding - Due Diligence Vendor-02/28/2024

Months Reserves exceed minimum required - 93.01 months reserves exceed required 3 by 90.013 months. DSCR % greater than 1.20 - DSCR 1.43% greater than 1.20

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TN

Investment

Refinance

Cash Out - Other

Originator Post-Close

No

1459438

261358

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

PA

Investment

Purchase

NA

261359

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

261360

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

OH

Investment

Purchase

NA

261952

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

261953

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TX

Investment

Purchase

NA

261955

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

PA

Investment

Purchase

NA

261956

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CA

Investment

Purchase

NA

262632

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

NJ

Investment

Refinance

No Cash Out - Borrower Initiated

262633

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

NJ

Investment

Refinance

Cash Out - Other

262634

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

262635

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

262636

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Refinance

Cash Out - Other

262637

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Refinance

Cash Out - Other

262638

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

262639

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

262640

C

A

C

A

A

A

A

A

Closed

FCRE1491

2024-03-01 14:30

2024-03-04 09:12

Resolved

1 - Information

C

A

Credit

Assets

Asset Qualification Does Not Meet Guideline Requirements

Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-03/04/2024 Resolved-EMD does come from a foreign account, however, per guidelines only Down Payment, Closing costs, and reserves must be transferred to a US institutional bank account, so we are okay. - Due Diligence Vendor-03/04/2024 Open-Asset Qualification Does Not Meet Guideline Requirements EMD was transferred directly from a foreign account.  Guidelines require foreign asset down payment funds to be transferred to a US bank account prior to usage. - Due Diligence Vendor-03/01/2024

Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-03/04/2024  Resolved-EMD does come from a foreign account, however, per guidelines only Down Payment, Closing costs, and reserves must be transferred to a US institutional bank account, so we are okay. - Due Diligence Vendor-03/04/2024

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

N/A

N/A

1466052

262641

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

GA

Investment

Purchase

NA

262642

C

A

C

A

A

A

A

A

Closed

FCRE1440

2024-03-01 15:07

2024-03-05 11:55

Resolved

1 - Information

C

A

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved--Balloon Mortgage with no payments due; finding resolved. - Due Diligence Vendor-03/05/2024 Open-Housing History Does Not Meet Guideline Requirements Missing 12 month payment history for subject property, 1st and 2nd mortgages are not reporting on the credit report. - Due Diligence Vendor-03/01/2024

Resolved--Balloon Mortgage with no payments due; finding resolved. - Due Diligence Vendor-03/05/2024

Months Reserves exceed minimum required - Borrower has 11.48 in reserves and only needs 3 months to qualify.

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

NY

Investment

Refinance

No Cash Out - Borrower Initiated

N/A

N/A

1466254

263149

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CA

Investment

Purchase

NA

263150

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Refinance

No Cash Out - Borrower Initiated

263152

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

GA

Investment

Purchase

NA

263153

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Refinance

Cash Out - Other

263154

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TX

Investment

Purchase

NA

263155

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

GA

Investment

Purchase

NA

263156

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

AZ

Investment

Purchase

NA

263157

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

GA

Investment

Purchase

NA

264755

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

NY

Investment

Refinance

Cash Out - Other

264756

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CA

Investment

Refinance

Cash Out - Other

264758

D

A

D

A

A

A

A

A

Closed

FCRE1152

2024-03-05 14:32

2024-03-08 10:19

Resolved

1 - Information

D

A

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved--Current tax calc provided. - Due Diligence Vendor-03/08/2024 Open-Missing Evidence of Property Tax Provide the final Tax Bill. The tax bill provided no payment is being reported. - Due Diligence Vendor-03/05/2024

Resolved--Current tax calc provided. - Due Diligence Vendor-03/08/2024

LTV is less than guideline maximum - LTV 65% is lower than maximum 75% Months Reserves exceed minimum required - 5.84 months reserves exceed required 3 by 2.84 months. Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 706 is higher than the required 640

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

OK

Investment

Purchase

NA

N/A

N/A

1472853

264759

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

MN

Investment

Purchase

NA

264760

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

IL

Investment

Purchase

NA

264761

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TX

Investment

Purchase

NA

264762

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

264763

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

MO

Investment

Purchase

NA

264764

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

GA

Investment

Refinance

Cash Out - Other

264765

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TX

Investment

Refinance

Cash Out - Other

264766

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

IN

Investment

Purchase

NA

264767

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

265799

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Refinance

No Cash Out - Borrower Initiated

265801

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

SC

Investment

Purchase

NA

265802

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

NC

Investment

Purchase

NA

265803

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

265804

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

MO

Investment

Refinance

Cash Out - Other

265805

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

MI

Investment

Purchase

NA

266299

C

A

C

A

A

A

A

A

Closed

FCRE1492

2024-03-07 09:01

2024-03-12 11:53

Resolved

1 - Information

C

A

Credit

Assets

Cash Out Does Not Meet Guideline Requirements

Resolved--Re-reviewed to 11/29/23 matrix - loan in pipeline - Due Diligence Vendor-03/12/2024 Ready for Review-Note that per XXXXX  announcement on and after November 29, 2023 , will update certain guidelines on portfolio programs, application date was XXXXX -Please refer to previous guideline as it states that 6 months title seasoning is not required. - Seller-03/11/2024 Counter--Borrower/LLC did not acquire property until XXXXX  < 6 months prior to closing (XXXXX ).  C/O seasoning requirements not met. - Due Diligence Vendor-03/11/2024 Ready for Review-Document Uploaded. Borrower has a 100% interest, please refer to the attached documents.  - Seller-03/08/2024 Open-Cash Out Does Not Meet Guideline Requirements Property was acquired on XXXXX , loan closed XXXXX , which does not meet the cash out required of 6 months - Due Diligence Vendor-03/07/2024

Ready for Review-Note that per XXXXX announcement on and after November 29, 2023 , will update certain guidelines on portfolio programs, application date was XXXXX -Please refer to previous guideline as it states that 6 months title seasoning is not required. - Seller-03/11/2024  Ready for Review-Document Uploaded. Borrower has a 100% interest, please refer to the attached documents.  - Seller-03/08/2024

Resolved--Re-reviewed to 11/29/23 matrix - loan in pipeline - Due Diligence Vendor-03/12/2024

DSCR % greater than 1.20 - DSCR 1.31% greater than 1.20 LTV is less than guideline maximum - LTV 45.658% is lower than maximum 75% Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 774 is higher than the required 640 Months Reserves exceed minimum required - 85.50 months reserves exceed required 3 by 82.50 months.

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TX

Investment

Refinance

Cash Out - Other

N/A

N/A

1478359

266300

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

266301

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

MA

Investment

Purchase

NA

266302

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

NY

Investment

Purchase

NA

266303

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

GA

Investment

Purchase

NA

266305

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

266306

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

GA

Investment

Purchase

NA

266307

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CA

Investment

Purchase

NA

266308

D

A

D

A

A

A

A

A

Closed

FCRE1161

2024-03-08 08:26

2024-03-12 11:39

Resolved

1 - Information

D

A

Credit

Missing Doc

Flood Certificate Missing

Resolved--Rec'd Flood Cert - Due Diligence Vendor-03/12/2024 Ready for Review-Document Uploaded.  - Seller-03/08/2024 Open-Missing Flood Certificate Provide the final Flood Cert.  - Due Diligence Vendor-03/08/2024

Ready for Review-Document Uploaded.  - Seller-03/08/2024

Resolved--Rec'd Flood Cert - Due Diligence Vendor-03/12/2024

Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 780 is higher than the required 640 Months Reserves exceed minimum required - 7.15 months and 3 required LTV is less than guideline maximum - LTV 70% is lower than maximum 80%

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

N/A

N/A

1481803

266309

D

A

D

A

A

A

A

A

Closed

FCRE6019

2024-03-07 15:30

2024-03-11 22:43

Resolved

1 - Information

D

A

Credit

Missing Doc

Citizenship Documentation Not Provided

Resolved-File contains passport. Borrower's spouse signed as attorney in fact for Borrower 1 who was is in U.S. to sign. Visa not required. - Due Diligence Vendor-03/12/2024 Open--The guidelines require a copy of their passport, VISA, and I-94; the I-94 would not be required because they were not in the county.  The VISA is still required.  Borrower is not from a VWP country. - Due Diligence Vendor-03/08/2024 Open-Borrower Citizenship Documentation Is Missing Borrower is a Foreign Nationals, missing copy, passport, VISA and 1-94 Form - Due Diligence Vendor-03/07/2024

Resolved-File contains passport. Borrower's spouse signed as attorney in fact for Borrower 1 who was is in U.S. to sign. Visa not required. - Due Diligence Vendor-03/12/2024

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

N/A

N/A

1480211

266310

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

GA

Investment

Purchase

NA

266760

A

A

A

A

A

A

A

A

A

A

Non-QM: APOR

Non-QM: APOR

XXXXX

CA

Primary Residence

Purchase

NA

266761

A

A

A

A

A

A

A

A

A

A

QM: Safe Harbor (SH)

QM: Safe Harbor (SH)

XXXXX

CA

Primary Residence

Refinance

No Cash Out - Borrower Initiated

266762

A

A

A

A

A

A

A

A

A

A

Non-QM: APOR

Non-QM: APOR

XXXXX

CA

Primary Residence

Refinance

Cash Out - Other

266763

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

PA

Investment

Purchase

NA

267142

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CT

Investment

Purchase

NA

267143

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

NY

Investment

Purchase

NA

267144

C

A

C

A

A

A

A

A

Closed

FCRE1510

2024-03-12 09:44

2024-03-13 11:53

Resolved

1 - Information

C

A

Credit

Closing

Issues exist on the Mortgage Document (Deed of Trust)

Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Legal provided - Due Diligence Vendor-03/13/2024 Ready for Review-Document Uploaded.  - Seller-03/12/2024 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Provide Legal Description to the deed of trust - Due Diligence Vendor-03/12/2024

Ready for Review-Document Uploaded.  - Seller-03/12/2024

Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Legal provided - Due Diligence Vendor-03/13/2024

Months Reserves exceed minimum required - 3.1 months reserves exceed required 3 by .10 months. Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 785 is higher than the required 700

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

N/A

N/A

1488272

267145

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

PA

Investment

Refinance

Cash Out - Other

267146

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

OH

Investment

Purchase

NA

267147

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

OK

Investment

Purchase

NA

267148

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

GA

Investment

Refinance

Cash Out - Other

267149

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

MI

Investment

Purchase

NA

267150

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

DE

Investment

Purchase

NA

267151

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

MD

Investment

Refinance

Cash Out - Other

267152

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TX

Investment

Refinance

Cash Out - Other

267559

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

267560

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

267561

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

MO

Investment

Refinance

Cash Out - Other

267562

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TX

Investment

Purchase

NA

267563

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TN

Investment

Purchase

NA

267564

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TX

Investment

Purchase

NA

267565

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

PA

Investment

Purchase

NA

267566

D

A

D

A

A

A

A

A

Closed

FCRE6666

2024-03-12 11:32

2024-03-15 12:03

Resolved

1 - Information

D

A

Credit

Missing Doc

Secondary Valuation product is dated prior to the Appraisal date

Resolved-All Additional valuation products were completed on or after the Primary Valuation product date, or Not Applicable. - CU and LCA supporting the appraised value provided. - Due Diligence Vendor-03/15/2024 Ready for Review-Document Uploaded.  - Seller-03/13/2024 Open-Missing CU with score <= 2.5 or desk review.  - Due Diligence Vendor-03/12/2024

Ready for Review-Document Uploaded.  - Seller-03/13/2024

Resolved-All Additional valuation products were completed on or after the Primary Valuation product date, or Not Applicable. - CU and LCA supporting the appraised value provided. - Due Diligence Vendor-03/15/2024

Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 707 is higher than the required 620 DSCR % greater than 1.20 - DSCR 1.73% greater than 1.20 Months Reserves exceed minimum required - 19.03 months reserves exceed required 3 by 16.03 months. LTV is less than guideline maximum - LTV 33.338% is lower than maximum 80%

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

VA

Investment

Purchase

NA

N/A

N/A

1488690

267932

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

PA

Investment

Purchase

NA

267933

C

A

A

A

A

A

C

A

Closed

FPRO1136

2024-03-13 14:48

2024-03-15 12:00

Resolved

1 - Information

C

A

Property

Appraisal

Subject property appraisal is not on an as-is basis (Primary Value)

Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully or partially present, or Not Applicable - Completion Cert provided. - Due Diligence Vendor-03/15/2024 Ready for Review-Document Uploaded.  - Seller-03/14/2024 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Present Provide the final 1004D cert.  - Due Diligence Vendor-03/13/2024

Ready for Review-Document Uploaded.  - Seller-03/14/2024

Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully or partially present, or Not Applicable - Completion Cert provided. - Due Diligence Vendor-03/15/2024

DSCR % greater than 1.20 - DSCR 1.35% greater than 1.20 LTV is less than guideline maximum - LTV 50% is lower than maximum 70% Months Reserves exceed minimum required - 4.01 months reserves exceed required 3 by 1.01 months.

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

N/A

N/A

1493040

267934

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TX

Investment

Refinance

No Cash Out - Borrower Initiated

267935

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

AL

Investment

Refinance

Cash Out - Other

267936

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TX

Investment

Refinance

Cash Out - Other

267937

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CA

Investment

Refinance

Cash Out - Other

267938

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

267939

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

HI

Investment

Purchase

NA

267940

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

OK

Investment

Purchase

NA

268130

A

A

A

A

A

A

A

A

A

A

QM: Safe Harbor (SH)

QM: Safe Harbor (SH)

XXXXX

MI

Primary Residence

Purchase

NA

268392

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

NY

Investment

Refinance

No Cash Out - Borrower Initiated

268393

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

268394

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

268395

A

A

A

A

A

A

A

A

A

A

Non-QM: APOR

Non-QM: APOR

XXXXX

FL

Primary Residence

Refinance

Cash Out - Other

268396

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

268397

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

OH

Investment

Purchase

NA

268398

A

A

A

A

A

A

A

A

A

A

Non-QM: APOR

Non-QM: APOR

XXXXX

GA

Primary Residence

Purchase

NA

268399

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

GA

Investment

Purchase

NA

269054

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

269055

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

MD

Investment

Purchase

NA

269056

C

B

C

B

A

A

A

A

Closed

FCRE8201

2024-03-15 17:41

2024-03-18 14:03

Waived

2 - Non-Material

C

B

Credit

Eligibility

Loan does not conform to program guidelines

Waived--Originator waiver applied - Due Diligence Vendor-03/18/2024 Open-Document Uploaded.  - Due Diligence Vendor-03/18/2024 Open-8 loans finance with XXXXX , Aggregate loan amount greater than $5 million and/or number of XXXXX loans to one borrower greater than four (4) loans requires prior approval by XXXXX  Management.  - Due Diligence Vendor-03/15/2024

Waived--Originator waiver applied - Due Diligence Vendor-03/18/2024

LTV is less than guideline maximum - LTV is 55% and max allowed is 60%. Qualifying FICO score is at least 20 points above minimum for program - Score is 726 and minimum allowed is 620.

-Low LTV -Good Credit

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CA

Investment

Purchase

NA

Originator Post-Close

Yes

1501106

269057

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

AZ

Investment

Purchase

NA

269058

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

269059

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

IN

Investment

Purchase

NA

269060

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

269061

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

NC

Investment

Purchase

NA

269062

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

PA

Investment

Purchase

NA

269063

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

PA

Investment

Refinance

Cash Out - Other

269064

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

269065

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CT

Investment

Purchase

NA

269066

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Refinance

Cash Out - Other

269552

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

LA

Investment

Refinance

Cash Out - Other

269554

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

NV

Investment

Purchase

NA

269555

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CA

Investment

Refinance

Cash Out - Other

269556

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

PA

Investment

Purchase

NA

269557

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CO

Investment

Purchase

NA

269558

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

269559

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

VA

Investment

Purchase

NA

269560

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

NV

Investment

Purchase

NA

270707

C

A

C

A

A

A

A

A

Closed

FCRE1440

2024-03-19 11:07

2024-03-21 11:15

Resolved

1 - Information

C

A

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Housing History Meets Guideline Requirements - 2 months in file - both funded 11/2023 - Due Diligence Vendor-03/21/2024 Open-Housing History Does Not Meet Guideline Requirements Provide 12 months housing payment for properties 3A and 3B. Per guides for Foreign Nationals must provide housing histories for all Real Estate(s) owned in the US - Due Diligence Vendor-03/19/2024

Resolved-Housing History Meets Guideline Requirements - 2 months in file - both funded 11/2023 - Due Diligence Vendor-03/21/2024

Months Reserves exceed minimum required - 4.1 months reserves exceed required 3 by 1.1 months.

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

N/A

N/A

1507444

270708

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TX

Investment

Purchase

NA

270709

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

NC

Investment

Purchase

NA

270710

C

A

C

A

A

A

A

A

Closed

FCRE1440

2024-03-19 17:23

2024-03-21 11:04

Resolved

1 - Information

C

A

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Housing History for subject mortgages provided; finding resolved. - Due Diligence Vendor-03/21/2024 Open-Housing History Does Not Meet Guideline Requirements -Missing 12 month subject payment history for 1st and 2nd liens paid off at closing. - Due Diligence Vendor-03/19/2024

Resolved-Housing History for subject mortgages provided; finding resolved. - Due Diligence Vendor-03/21/2024

Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 773 is higher than the required 720 DSCR % greater than 1.20 - DSCR 1.33% greater than 1.20 Months Reserves exceed minimum required - 17.80 months reserves exceed required 3 by 14.80 months. LTV is less than guideline maximum - LTV 59.18% is lower than maximum 65%

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CA

Investment

Refinance

Cash Out - Other

N/A

N/A

1509115

270711

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CT

Investment

Refinance

Cash Out - Other

270712

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CA

Investment

Purchase

NA

270713

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Refinance

Cash Out - Other

270714

D

B

C

B

A

A

D

A

Closed

FVAL1039

2024-03-25 11:39

2024-04-04 15:24

Resolved

1 - Information

C

A

Property

Value

Appraised value unsupported

Resolved--Value used for LTV is prior purchase price which is below Desk Review value. - Due Diligence Vendor-04/04/2024 Open-New after Trailing Docs - Secondary valuation provided has a variance of greater than -10% compared to the original appraised value - Desk Review received, value is not supported due to a 12.5% variance. - Due Diligence Vendor-03/25/2024

Resolved--Value used for LTV is prior purchase price which is below Desk Review value. - Due Diligence Vendor-04/04/2024

LTV is less than guideline maximum - LTV 59.00 % is lower than maximum 75% DSCR % greater than 1.20 - DSCR 1.27% greater than 1.20 Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 728 is higher than the required 640

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Refinance

Cash Out - Other

N/A

N/A

1521907

270714

D

B

C

B

A

A

D

A

Closed

FPRO1253

2024-03-20 07:58

2024-03-25 11:39

Resolved

1 - Information

D

A

Property

Missing Doc

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Desk Review received, please see new finding for value not supported. - Due Diligence Vendor-03/25/2024 Ready for Review-Document Uploaded.  - Seller-03/21/2024 Open-Provide a desk review to support the appraised value. CU>2.5 - Due Diligence Vendor-03/20/2024

Ready for Review-Document Uploaded.  - Seller-03/21/2024

Resolved-Desk Review received, please see new finding for value not supported. - Due Diligence Vendor-03/25/2024

LTV is less than guideline maximum - LTV 59.00 % is lower than maximum 75% DSCR % greater than 1.20 - DSCR 1.27% greater than 1.20 Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 728 is higher than the required 640

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Refinance

Cash Out - Other

N/A

N/A

1510012

270714

D

B

C

B

A

A

D

A

Closed

FCRE1492

2024-03-20 08:22

2024-03-25 10:03

Waived

2 - Non-Material

C

B

Credit

Assets

Cash Out Does Not Meet Guideline Requirements

Waived--Originator exception approved with compensating factors. Waiver applied to non-material finding. - Due Diligence Vendor-03/25/2024 Open-This does not meet delayed financing requirements, the source of funds to purchase the subject came from refinance loans on two other properties.  The final CD for the subject refinance must reflect that all cash-out proceeds are going to pay down any loans used to acquire the subject; the Final CD and BP Cert do not reflect this.  I am unable to resolve this finding. - Due Diligence Vendor-03/21/2024 Open-Cash Out Does Not Meet Guideline Requirements Guides requires a min of 6 mos. seasoning. Home purchased 2 mos prior to closing. - Due Diligence Vendor-03/20/2024

Waived--Originator exception approved with compensating factors. Waiver applied to non-material finding. - Due Diligence Vendor-03/25/2024

LTV is less than guideline maximum - LTV 59.00 % is lower than maximum 75% DSCR % greater than 1.20 - DSCR 1.27% greater than 1.20 Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 728 is higher than the required 640

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Refinance

Cash Out - Other

Originator Post-Close

No

1510065

270715

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

AZ

Investment

Refinance

Cash Out - Other

270716

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

AZ

Investment

Purchase

NA

270717

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CA

Investment

Refinance

Cash Out - Other

270718

C

A

C

A

A

A

A

A

Closed

FCRE8701

2024-03-19 07:59

2024-03-20 12:02

Resolved

1 - Information

C

A

Credit

Borrower

Business Entity Formation Document is Missing

Resolved-The Business Entity Formation Document is not Missing - Operating agreement provided. 100% owner. - Due Diligence Vendor-03/20/2024 Ready for Review-Document Uploaded.  - Seller-03/19/2024 Open-The Business Entity Formation Document is Missing Provide documentation (LLC operating agreement) to support 100% ownership in the company since closing in an LLC - Due Diligence Vendor-03/19/2024

Ready for Review-Document Uploaded.  - Seller-03/19/2024

Resolved-The Business Entity Formation Document is not Missing - Operating agreement provided. 100% owner. - Due Diligence Vendor-03/20/2024

LTV is less than guideline maximum - LTV 59.45% is lower than maximum 70% Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 735 is higher than the required 640

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Refinance

Cash Out - Other

N/A

N/A

1506622

271077

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TX

Investment

Refinance

Cash Out - Other

271078

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

LA

Investment

Purchase

NA

271079

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

MD

Investment

Refinance

Cash Out - Other

271080

C

A

C

A

A

A

A

A

Closed

FCRE1510

2024-03-20 08:09

2024-03-25 11:36

Resolved

1 - Information

C

A

Credit

Closing

Issues exist on the Mortgage Document (Deed of Trust)

Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-03/25/2024 Ready for Review-Document Uploaded.  - Seller-03/22/2024 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -PUD Rider is missing - Due Diligence Vendor-03/20/2024

Ready for Review-Document Uploaded.  - Seller-03/22/2024

Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-03/25/2024

Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 768 is higher than the required 700 Months Reserves exceed minimum required - 8.79 months reserves exceed required 3 by 5.79 months.

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

AL

Investment

Purchase

NA

N/A

N/A

1510030

271081

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

MI

Investment

Purchase

NA

271082

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Refinance

Cash Out - Other

271083

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Refinance

Cash Out - Other

271084

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

DE

Investment

Refinance

Cash Out - Other

271085

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

PA

Investment

Refinance

Cash Out - Other

272019

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

AK

Investment

Purchase

NA

272020

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

OK

Investment

Purchase

NA

272021

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

MA

Investment

Refinance

Cash Out - Other

272022

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

272023

C

A

C

A

A

A

A

A

Closed

FCRE1503

2024-03-21 10:56

2024-04-09 12:59

Resolved

1 - Information

C

A

Credit

QM-ATR

ATR: The Lender did not document all ATR Factors

Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-04/09/2024 Resolved--REO income from departure residence verified and added; DTI less < max. Finding resolved. - Due Diligence Vendor-03/26/2024 Open-ATR: The Lender did not document all ATR Factors. DTI is 58%. Lender did not count the PITIA pmt for the Primary in the DTI - Due Diligence Vendor-03/21/2024

Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-04/09/2024  Resolved--REO income from departure residence verified and added; DTI less < max. Finding resolved. - Due Diligence Vendor-03/26/2024

Months Reserves exceed minimum required - 12.70 months reserves exceed required 6 by 17.70 months. Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 791 is higher than the required 680

QM: Rebuttable Presumption (APOR)

QM: Rebuttable Presumption (APOR)

XXXXX

CA

Primary Residence

Purchase

NA

N/A

N/A

1513953

272023

C

A

C

A

A

A

A

A

Closed

FCRE1193

2024-03-21 10:24

2024-03-26 12:01

Resolved

1 - Information

C

A

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Resolved--REO income from departure residence verified and added; DTI less < max. Finding resolved. - Due Diligence Vendor-03/26/2024 Open-Audited DTI of 57.48% exceeds Guideline DTI of 50% Lender did not count the PITIA payment for the primary residence. Adding this results in a 58% DTI. - Due Diligence Vendor-03/22/2024

Resolved--REO income from departure residence verified and added; DTI less < max. Finding resolved. - Due Diligence Vendor-03/26/2024

Months Reserves exceed minimum required - 12.70 months reserves exceed required 6 by 17.70 months. Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 791 is higher than the required 680

QM: Rebuttable Presumption (APOR)

QM: Rebuttable Presumption (APOR)

XXXXX

CA

Primary Residence

Purchase

NA

N/A

N/A

1513793

272024

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

NY

Investment

Purchase

NA

272025

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

GA

Investment

Purchase

NA

272026

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

VA

Investment

Purchase

NA

272027

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

AL

Investment

Refinance

Cash Out - Other

272392

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

272393

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

272394

C

B

C

B

A

A

A

A

Closed

FCRE8013

2024-03-23 08:27

2024-03-26 17:31

Waived

2 - Non-Material

C

B

Credit

Eligibility

Purchase Contract Issue

Waived--Borrower is 100% owner of LLC; Originator waiver applied to non-material finding. - Due Diligence Vendor-03/26/2024 Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Loan is a purchase. Deed is vested in an LLC. Purchase contract is missing name of corporation as a buyer. When closing a purchase transaction in a LLC vesting, the LLC must be the purchaser on the sale contract. - Due Diligence Vendor-03/23/2024

Waived--Borrower is 100% owner of LLC; Originator waiver applied to non-material finding. - Due Diligence Vendor-03/26/2024

Qualifying FICO score is at least 20 points above minimum for program - FICO score of 745 is higher than the minimum required score of 700 Months Reserves exceed minimum required - Verified assets of 21.01 months reserves exceed the minimum required of 3 months

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

OH

Investment

Purchase

NA

Originator Post-Close

N/A

1519668

272395

C

A

C

A

A

A

A

A

Closed

FCRE8701

2024-03-22 13:12

2024-03-26 11:49

Resolved

1 - Information

C

A

Credit

Borrower

Business Entity Formation Document is Missing

Resolved-The Business Entity Formation Document is not Missing - Due Diligence Vendor-03/26/2024 Ready for Review-Document Uploaded.  - Seller-03/25/2024 Open-The Business Entity Formation Document is Missing Per guidelines Title vesting may be in a Limited Liability Company (LLC) as long as the borrower has 100% ownership interest and it is documented by the organization documentation. Documenation of this is not in file. - Due Diligence Vendor-03/22/2024

Ready for Review-Document Uploaded.  - Seller-03/25/2024

Resolved-The Business Entity Formation Document is not Missing - Due Diligence Vendor-03/26/2024

Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 672 is higher than the required 640 LTV is less than guideline maximum - LTV 70% is lower than maximum 75%

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TX

Investment

Purchase

NA

N/A

N/A

1518150

272396

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

NV

Investment

Purchase

NA

272397

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

UT

Investment

Purchase

NA

272398

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

PA

Investment

Refinance

Cash Out - Other

272682

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Refinance

No Cash Out - Borrower Initiated

272683

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

GA

Investment

Refinance

Cash Out - Other

272684

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

272685

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

272686

B

B

B

B

A

A

A

A

Closed

FCRE1200

2024-03-25 16:07

2024-03-26 09:29

Waived

2 - Non-Material

B

B

Credit

Eligibility

Audited Loan Amount is less than Guideline Minimum Loan Amount

Waived-Audited Loan Amount of XXXXX  is less than the Guideline Minimum Loan Amount of XXXXX. Lock agreement shows the adjustment for the loan amount. Originator waiver applied to non material finding - Due Diligence Vendor-03/25/2024

Waived-Audited Loan Amount of XXXXX is less than the Guideline Minimum Loan Amount of XXXXX Lock agreement shows the adjustment for the loan amount. Originator waiver applied to non material finding - Due Diligence Vendor-03/25/2024

Months Reserves exceed minimum required - 6.5 months reserves exceed required 3 by 3.5 months. DSCR % greater than 1.20 - DSCR 1.24% greater than 1.20

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

IL

Investment

Purchase

NA

Originator Post-Close

Yes

1523280

272687

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

NY

Investment

Purchase

NA

272688

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TX

Investment

Purchase

NA

272689

C

A

C

A

A

A

A

A

Closed

FCRE1456

2024-03-26 08:32

2024-03-28 12:13

Resolved

1 - Information

C

A

Credit

Assets

Asset 2 Less Than 2 Months Verified

Resolved-XXXXX is a new account. Borrower closed account XXXXX (CD).  XXXXX has 2 months verification.  - Due Diligence Vendor-03/28/2024 Ready for Review-Document Uploaded.  - Seller-03/27/2024 Open-Asset 2 Less Than 2 Months Verified Provide extra bank statement for XXXXX only 1 month was provides. Guides require 2 months bank statements. - Due Diligence Vendor-03/26/2024

Ready for Review-Document Uploaded.  - Seller-03/27/2024

Resolved-XXXXX is a new account. Borrower closed account XXXXX(CD).  XXXXX has 2 months verification.  - Due Diligence Vendor-03/28/2024

Months Reserves exceed minimum required - 64.22 months reserves exceed required 3 by 61.22 months. Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 799 is higher than the required 620

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CA

Investment

Purchase

NA

N/A

N/A

1524505

273277

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

GA

Investment

Refinance

Cash Out - Other

273278

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

MD

Investment

Purchase

NA

273279

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

273280

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TX

Investment

Purchase

NA

273281

C

A

C

A

A

A

A

A

Closed

FCRE0042

2024-03-26 16:32

2024-04-12 10:28

Resolved

1 - Information

C

A

Credit

Eligibility

Florida Foreign National Affidavit is missing or incomplete

Resolved-Complete Affidavit singed and notarized provided. - Due Diligence Vendor-04/12/2024 Resolved- - Due Diligence Vendor-04/12/2024 Ready for Review-Document Uploaded.  - Seller-04/10/2024 Open-Florida Foreign National Affidavit is Missing or Incomplete.  -Foreign Interest affidavits incomplete for Borrower 2 and Borrower 3 - question #3 not completed. - Due Diligence Vendor-03/26/2024

Ready for Review-Document Uploaded.  - Seller-04/10/2024

Resolved-Complete Affidavit singed and notarized provided. - Due Diligence Vendor-04/12/2024  Resolved- - Due Diligence Vendor-04/12/2024

Qualifying DTI below maximum allowed - DTI is 14.56% and max allowed is 49%.

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

N/A

N/A

1526938

273281

C

A

C

A

A

A

A

A

Closed

FPRO9999

2024-03-26 16:14

2024-04-01 09:24

Resolved

1 - Information

C

A

Credit

Eligibility

Condo project has pending litigation

Resolved--Rec'd evidence that case is now closed; finding resolved. - Due Diligence Vendor-04/01/2024 Open--Pending litigation and evidence of claim amount and insurance sufficient to cover must be provided. - Due Diligence Vendor-03/26/2024

Resolved--Rec'd evidence that case is now closed; finding resolved. - Due Diligence Vendor-04/01/2024

Qualifying DTI below maximum allowed - DTI is 14.56% and max allowed is 49%.

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

N/A

N/A

1526874

273282

C

B

C

B

A

A

A

A

Closed

FCRE1194

2024-03-26 16:42

2024-04-17 17:35

Waived

2 - Non-Material

C

B

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Waived-Waived by client with compensating factors - Due Diligence Vendor-04/17/2024 Ready for Review-The max LTV for this files is 80%, loan amount is XXXXX  and loan program is XXXXX . - Seller-04/17/2024 Counter--Originator waiver/exception would be required. - Due Diligence Vendor-04/17/2024 Ready for Review-Please advise the status of this file 100% complete but it has an open condition. Kindly confirm if anything else is needed. Thank you.  - Seller-04/15/2024 Open-Audited LTV of 80% exceeds Guideline LTV of 75% 5% LTV reduction for FTHB. - Due Diligence Vendor-03/26/2024

Ready for Review-The max LTV for this files is 80%, loan amount is XXXXX  and loan program is XXXXX . - Seller-04/17/2024  Ready for Review-Please advise the status of this file 100% complete but it has an open condition. Kindly confirm if anything else is needed. Thank you.  - Seller-04/15/2024

Waived-Waived by client with compensating factors - Due Diligence Vendor-04/17/2024

Qualifying DTI below maximum allowed - DTI 36.75% is lower than allowable 49% Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 782 is higher than the required 700

Non-QM: APOR

Non-QM: APOR

XXXXX

CA

Primary Residence

Purchase

NA

Investor Post-Close

No

1526971

273283

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

NY

Investment

Refinance

Cash Out - Other

273284

D

A

A

A

A

A

D

A

Closed

FPRO1253

2024-03-26 17:06

2024-04-01 10:51

Resolved

1 - Information

D

A

Property

Missing Doc

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Desk Review supporting the appraised value provided. - Due Diligence Vendor-04/01/2024 Ready for Review-Document Uploaded.  - Seller-03/29/2024 Open--Missing desk review - Due Diligence Vendor-03/26/2024

Ready for Review-Document Uploaded.  - Seller-03/29/2024

Resolved-Desk Review supporting the appraised value provided. - Due Diligence Vendor-04/01/2024

DSCR % greater than 1.20 - Calculated DSCR of 1.35 Qualifying FICO score is at least 20 points above minimum for program - FICO score of 754 is higher than the minimum required score of 700

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CT

Investment

Purchase

NA

N/A

N/A

1527036

273285

D

A

A

A

A

A

D

A

Closed

FPRO1253

2024-03-26 13:30

2024-04-03 11:18

Resolved

1 - Information

D

A

Property

Missing Doc

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Desk Review supporting the appraised value provided. - Due Diligence Vendor-04/03/2024 Ready for Review-Document Uploaded.  - Seller-04/01/2024 Counter-Received LOE for bank statements.  Please provide the desk review. - Due Diligence Vendor-03/28/2024 Ready for Review-Document Uploaded.  - Seller-03/27/2024 Open--Missing Desk review - Due Diligence Vendor-03/26/2024

Ready for Review-Document Uploaded.  - Seller-04/01/2024  Ready for Review-Document Uploaded.  - Seller-03/27/2024

Resolved-Desk Review supporting the appraised value provided. - Due Diligence Vendor-04/03/2024

Qualifying FICO score is at least 20 points above minimum for program - Score is 715 and minimum allowed is 660. LTV is less than guideline maximum - LTV is 75% and max LTV is 80%.

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

GA

Investment

Purchase

NA

N/A

N/A

1526168

273286

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TX

Investment

Purchase

NA

273287

D

A

D

A

A

A

A

A

Closed

FCRE0042

2024-03-26 15:58

2024-03-29 10:07

Resolved

1 - Information

C

A

Credit

Eligibility

Florida Foreign National Affidavit is missing or incomplete

Resolved-Complete Affidavit signed and Notarized provided. - Due Diligence Vendor-03/29/2024 Ready for Review-Document Uploaded.  - Seller-03/28/2024 Open-Florida Foreign National Affidavit is Missing or Incomplete.  -Item #3 of FL Foreign Interest Affidavit not completed by both Borrowers. - Due Diligence Vendor-03/26/2024

Ready for Review-Document Uploaded.  - Seller-03/28/2024

Resolved-Complete Affidavit signed and Notarized provided. - Due Diligence Vendor-03/29/2024

Months Reserves exceed minimum required - 74.266 months reserves exceed required 6 by 68.26 months. Qualifying DTI below maximum allowed - DTI 18.82% is lower than allowable 49%

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Refinance

Cash Out - Other

N/A

N/A

1526836

273287

D

A

D

A

A

A

A

A

Closed

FCRE9999

2024-03-26 15:57

2024-03-28 11:28

Resolved

1 - Information

C

A

Credit

Eligibility

Legal document incorrect or has issues

Resolved--All three loans closed same day; finding resolved. - Due Diligence Vendor-03/28/2024 Open--Certificate of loans to one Borrower reflects no other loans and Final 1003 reflects two other properties with new loans by same Lender. - Due Diligence Vendor-03/26/2024

Resolved--All three loans closed same day; finding resolved. - Due Diligence Vendor-03/28/2024

Months Reserves exceed minimum required - 74.266 months reserves exceed required 6 by 68.26 months. Qualifying DTI below maximum allowed - DTI 18.82% is lower than allowable 49%

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Refinance

Cash Out - Other

N/A

N/A

1526830

273287

D

A

D

A

A

A

A

A

Closed

FCRE3978

2024-03-26 12:06

2024-03-28 11:28

Resolved

1 - Information

D

A

Credit

Missing Doc

Missing Letter of Explanation (Credit)

Resolved--Rec'd updated 1003; no primary housing expense (no ownership) - Due Diligence Vendor-03/28/2024 Ready for Review-Document Uploaded.  - Seller-03/28/2024 Open--Final 1003 reflects Borrower owns primary in country of residence; provide housing payment history or proof owned free & clear.. - Due Diligence Vendor-03/26/2024

Ready for Review-Document Uploaded.  - Seller-03/28/2024

Resolved--Rec'd updated 1003; no primary housing expense (no ownership) - Due Diligence Vendor-03/28/2024

Months Reserves exceed minimum required - 74.266 months reserves exceed required 6 by 68.26 months. Qualifying DTI below maximum allowed - DTI 18.82% is lower than allowable 49%

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Refinance

Cash Out - Other

N/A

N/A

1525701

273287

D

A

D

A

A

A

A

A

Closed

FCRE7497

2024-03-26 15:47

2024-03-28 11:24

Resolved

1 - Information

D

A

Credit

Missing Doc

Missing verification of taxes, insurance, and/or HOA fees for non-subject property

Resolved--Rec'd CD's for new loans on prior free & clear properties; finding resolved. - Due Diligence Vendor-03/28/2024 Open-Document Uploaded.  - Due Diligence Vendor-03/28/2024 Open--Missing new loan docs to verify PITIA for properties XXXXX  from the REO section of the 1003. - Due Diligence Vendor-03/26/2024

Resolved--Rec'd CD's for new loans on prior free & clear properties; finding resolved. - Due Diligence Vendor-03/28/2024

Months Reserves exceed minimum required - 74.266 months reserves exceed required 6 by 68.26 months. Qualifying DTI below maximum allowed - DTI 18.82% is lower than allowable 49%

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Refinance

Cash Out - Other

N/A

N/A

1526777

273288

A

A

A

A

A

A

A

A

A

A

Non-QM: APOR

Non-QM: APOR

XXXXX

TX

Primary Residence

Purchase

NA

273289

C

A

C

A

A

A

A

A

Closed

FCRE1440

2024-03-27 18:45

2024-03-28 16:49

Resolved

1 - Information

C

A

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved--Rec'd CD's for new loans on other two properties closed same day - prior they were free & clear; finding resolved. - Due Diligence Vendor-03/28/2024 Open-Document Uploaded.  - Due Diligence Vendor-03/28/2024 Open-Housing History Does Not Meet Guideline Requirements Provide 12 mos housing history for all properties owned in the US (XXXXX  on 1003). Cannot be more than 1 x 30 x 12; verification of PITIA required; if new loans provide docs. - Due Diligence Vendor-03/27/2024

Resolved--Rec'd CD's for new loans on other two properties closed same day - prior they were free & clear; finding resolved. - Due Diligence Vendor-03/28/2024

Qualifying DTI below maximum allowed - DTI is 18.86% and max allowed is 49%. Months Reserves exceed minimum required -

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Refinance

Cash Out - Other

N/A

N/A

1530446

273290

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TX

Investment

Purchase

NA

273291

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

OH

Investment

Purchase

NA

273292

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

GA

Investment

Purchase

NA

273293

D

A

A

A

A

A

D

A

Closed

FPRO1253

2024-03-27 16:19

2024-04-01 10:53

Resolved

1 - Information

D

A

Property

Missing Doc

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Desk Review supporting the appraised value received. - Due Diligence Vendor-04/01/2024 Ready for Review-Document Uploaded.  - Seller-03/29/2024 Open--Missing Desk review; CU score > 2.5 - Due Diligence Vendor-03/27/2024

Ready for Review-Document Uploaded.  - Seller-03/29/2024

Resolved-Desk Review supporting the appraised value received. - Due Diligence Vendor-04/01/2024

Months Reserves exceed minimum required - Verified assets of 25.24 months reserves exceed the minimum required of 3 months

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

MO

Investment

Purchase

NA

N/A

N/A

1530080

273822

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

PA

Investment

Purchase

NA

273823

C

B

C

B

A

A

A

A

Closed

FCRE1247

2024-03-28 13:40

2024-03-29 13:45

Waived

2 - Non-Material

C

B

Credit

Eligibility

Seller Contribution Exceeds Program Maximum

Waived--Reduced sales price by IPC overage and LTV is still < max allowed; Client waiver applied to non-material finding. - Due Diligence Vendor-03/29/2024 Open--Interested party contributions exceed 6% max by $4628.04. - Due Diligence Vendor-03/28/2024

Waived--Reduced sales price by IPC overage and LTV is still < max allowed; Client waiver applied to non-material finding. - Due Diligence Vendor-03/29/2024

Months Reserves exceed minimum required - 4.64 months reserves exceed required 3 by 1.64 months. Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 668 is higher than the required 640

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

PA

Investment

Purchase

NA

Investor Post-Close

No

1532919

273824

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

273825

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Refinance

No Cash Out - Borrower Initiated

273826

A

A

A

A

A

A

A

A

A

A

Non-QM: APOR

Non-QM: APOR

XXXXX

TX

Primary Residence

Refinance

Cash Out - Other

273827

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

SC

Investment

Refinance

Cash Out - Other

273828

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

AL

Investment

Purchase

NA

273829

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

273830

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

PA

Investment

Refinance

Cash Out - Other

273831

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

OK

Investment

Purchase

NA

273832

C

B

C

B

A

A

A

A

Closed

FCRE1492

2024-03-27 17:52

2024-04-02 10:46

Waived

2 - Non-Material

C

B

Credit

Assets

Cash Out Does Not Meet Guideline Requirements

Waived-Received exception approval for POA. Finding is deemed non material. Originator waiver applied to non material findings. - Due Diligence Vendor-04/02/2024 Ready for Review-Document Uploaded.  - Seller-04/01/2024 Counter-Please provide an originator exception approval.  Guidelines state Power of Attorney is not allowed for Cash-Out Transaction.   - Due Diligence Vendor-04/01/2024 Ready for Review-Please note that a POA exception was granted on cash out case. The cash out was not used for reserves. 55% LTV. Reserves comes from borrower's own funds. - Seller-03/28/2024 Open-Cash Out Does Not Meet Guideline Requirements Borrower signed with a POA for subject loan.  Power of Attorney is not allowed for Cash-Out Transactions. - Due Diligence Vendor-03/27/2024

Ready for Review-Document Uploaded.  - Seller-04/01/2024  Ready for Review-Please note that a POA exception was granted on cash out case. The cash out was not used for reserves. 55% LTV. Reserves comes from borrower's own funds. - Seller-03/28/2024

Waived-Received exception approval for POA. Finding is deemed non material. Originator waiver applied to non material findings. - Due Diligence Vendor-04/02/2024

Months Reserves exceed minimum required - Borrower has 78.07 months of reserves and only needs 6 months to qualify. Qualifying DTI below maximum allowed - DTI is 18.82% and max allowed is 49%.

18.82% DTI < 49% maximum allowed 31.28 months reserves > 6 months minimum required.

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Refinance

Cash Out - Other

Originator Post-Close

N/A

1530358

273833

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

273834

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

SC

Investment

Purchase

NA

273835

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

274561

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

MA

Investment

Refinance

No Cash Out - Borrower Initiated

274562

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

GA

Investment

Purchase

NA

274563

C

A

C

A

A

A

A

A

Closed

FCRE1492

2024-03-28 12:40

2024-04-18 09:38

Resolved

1 - Information

C

A

Credit

Assets

Cash Out Does Not Meet Guideline Requirements

Resolved--Delayed financing documentation provided and all requirements met; finding resolved. - Due Diligence Vendor-04/18/2024 Ready for Review-Document Uploaded.  - Seller-04/18/2024 Open-Cash Out Does Not Meet Guideline Requirements Guides requires a min of 6 mos. seasoning unless acquired through inheritance or legally awarded.. Home purchased 5 mos prior to closing. - Due Diligence Vendor-03/28/2024

Ready for Review-Document Uploaded.  - Seller-04/18/2024

Resolved--Delayed financing documentation provided and all requirements met; finding resolved. - Due Diligence Vendor-04/18/2024

LTV is less than guideline maximum - LTV 72.84% is lower than maximum 75% Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 794 is higher than the required 700

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

OH

Investment

Refinance

Cash Out - Other

N/A

N/A

1532572

274564

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TX

Investment

Purchase

NA

274565

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

VA

Investment

Purchase

NA

274566

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

274567

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

PA

Investment

Purchase

NA

274568

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

VA

Investment

Purchase

NA

274569

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

GA

Investment

Purchase

NA

277125

C

A

C

A

A

A

A

A

Closed

FCRE8701

2024-03-29 12:38

2024-04-02 10:42

Resolved

1 - Information

C

A

Credit

Borrower

Business Entity Formation Document is Missing

Resolved-The Business Entity Formation Document is not Missing - Due Diligence Vendor-04/02/2024 Ready for Review-Document Uploaded.  - Seller-04/01/2024 Counter-Business Purpose Cert provided, however we are missing the Business Entity Formation Documentation.  Finding remains. - Due Diligence Vendor-04/01/2024 Ready for Review-Document Uploaded.  - Seller-03/29/2024 Open-The Business Entity Formation Document is Missing - Due Diligence Vendor-03/29/2024

Ready for Review-Document Uploaded.  - Seller-04/01/2024  Ready for Review-Document Uploaded.  - Seller-03/29/2024

Resolved-The Business Entity Formation Document is not Missing - Due Diligence Vendor-04/02/2024

DSCR % greater than 1.20 - Calculated DSCR of 1.52 Months Reserves exceed minimum required - Verified assets of 235.61 months reserves exceed the minimum required of 6 months

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

N/A

N/A

1536138

277126

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

NV

Investment

Purchase

NA

277127

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Refinance

Cash Out - Other

277128

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

IL

Investment

Refinance

Cash Out - Other

277129

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Refinance

Cash Out - Other

277130

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TX

Investment

Purchase

NA

277131

A

A

A

A

A

A

A

A

A

A

Non-QM: APOR

Non-QM: APOR

XXXXX

TX

Primary Residence

Purchase

NA

277132

A

A

A

A

A

A

A

A

A

A

Non-QM: APOR

Non-QM: APOR

XXXXX

CA

Primary Residence

Refinance

Cash Out - Other

277133

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

SC

Investment

Purchase

NA

277134

A

A

A

A

A

A

A

A

A

A

QM: Safe Harbor (SH)

QM: Safe Harbor (SH)

XXXXX

CA

Primary Residence

Purchase

NA

277791

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

PA

Investment

Refinance

Cash Out - Other

277792

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

277793

C

A

A

A

C

A

A

A

Closed

finding-3652

2024-04-01 09:58

2024-04-03 09:32

Resolved

1 - Information

C

A

Compliance

TRID

Lender Credits That Cannot Decrease Test

Resolved--Upon further review, documentation in file to support reduction in Lender credit - Due Diligence Vendor-04/03/2024 Ready for Review-Document Uploaded. These are documents on loan package. Please see page 480. - Seller-04/01/2024 Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($838.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credits reduced to $0.00 on CD: 3/20/2024 from $838.00 on LE 2/5/2024.  While a COC has been provided, the reduction in Lender Credit must be equal to specific or non-specific fee.  Provide a PCCD, LOE, evidence of refund or principal reduction in the amount of $838.00 and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations – 3 years, expiration date 3/20/27 - Due Diligence Vendor-04/01/2024

Ready for Review-Document Uploaded. These are documents on loan package. Please see page 480. - Seller-04/01/2024

Resolved--Upon further review, documentation in file to support reduction in Lender credit - Due Diligence Vendor-04/03/2024

Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 802 is higher than the required 700 Qualifying DTI below maximum allowed - DTI 22.99% is lower than allowable 49%

XXXXX

Non-QM: APOR

Non-QM: APOR

XXXXX

CA

Primary Residence

Purchase

NA

N/A

N/A

1538775

277794

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Refinance

Cash Out - Other

277795

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

MD

Investment

Purchase

NA

277796

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

MD

Investment

Purchase

NA

277797

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CT

Investment

Purchase

NA

277798

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TX

Investment

Purchase

NA

277799

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

277800

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

277801

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CA

Investment

Purchase

NA

277802

C

A

C

A

A

A

A

A

Closed

FCRE1159

2024-04-01 15:52

2024-04-03 11:14

Resolved

1 - Information

C

A

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Hazard Insurance Effective Date of XXXXX  is prior to or equal to the Note Date of XXXXX  Or Hazard Insurance Effective Date Is Not Provided - Updated HOI provided. - Due Diligence Vendor-04/03/2024 Ready for Review-Document Uploaded.  - Seller-04/01/2024 Open-Hazard Insurance Effective Date of XXXXX is after the Note Date of XXXXX  -HOI effective after disbursement date - Due Diligence Vendor-04/01/2024

Ready for Review-Document Uploaded.  - Seller-04/01/2024

Resolved-Hazard Insurance Effective Date of XXXXX is prior to or equal to the Note Date of XXXXX Or Hazard Insurance Effective Date Is Not Provided - Updated HOI provided. - Due Diligence Vendor-04/03/2024

LTV is less than guideline maximum - LTV 54.61% is lower than maximum 75% Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 695 is higher than the required 620 Months Reserves exceed minimum required - 9.88 months reserves exceed required 3 by 6.88 months.

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

N/A

N/A

1540751

277803

A

A

A

A

A

A

A

A

A

A

QM: Safe Harbor (SH)

QM: Safe Harbor (SH)

XXXXX

FL

Primary Residence

Refinance

Cash Out - Other

278426

C

B

C

B

A

A

A

A

Closed

FCRE1193

2024-04-03 13:39

2024-04-17 14:58

Resolved

1 - Information

C

A

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Resolved-Audited DTI of 41.46% is less than or equal to Guideline DTI of 49% - Due Diligence Vendor-04/16/2024 Resolved-Audited DTI of 41.46% is less than or equal to Guideline DTI of 49% - Recalculated income - Due Diligence Vendor-04/10/2024 Ready for Review-Document Uploaded.  - Seller-04/08/2024 Counter-Documentation was not attached.  Please re-upload. - Due Diligence Vendor-04/08/2024 Ready for Review-DTI used is 46.88% within guideline, please see attached 1008.  - Seller-04/05/2024 Open-Audited DTI of 63.46% exceeds Guideline DTI of 49% -DTI exceeds guideline max; Lender used 2021 Sch C income for a company that is now a 1065 Partnership with Borrower only having 34% ownership and XXXXX per 2022 K-1. - Due Diligence Vendor-04/03/2024

Ready for Review-Document Uploaded.  - Seller-04/08/2024  Ready for Review-DTI used is 46.88% within guideline, please see attached 1008.  - Seller-04/05/2024

Resolved-Audited DTI of 41.46% is less than or equal to Guideline DTI of 49% - Due Diligence Vendor-04/16/2024  Resolved-Audited DTI of 41.46% is less than or equal to Guideline DTI of 49% - Recalculated income - Due Diligence Vendor-04/10/2024

LTV is less than guideline maximum - 58.3% LTV is less than 65% maximum.. Qualifying DTI below maximum allowed - DTI is 41.46%. Allowed to 49%

Documentation was not attached.  Please re-upload.

XXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

XXXXX

AZ

Primary Residence

Refinance

Cash Out - Other

N/A

N/A

1547288

278426

C

B

C

B

A

A

A

A

Closed

FCRE1503

2024-04-03 13:29

2024-04-17 14:58

Resolved

1 - Information

C

A

Credit

QM-ATR

ATR: The Lender did not document all ATR Factors

Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-04/17/2024 Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-04/16/2024 Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Recalculated the income - Due Diligence Vendor-04/10/2024 Ready for Review-Document Uploaded.  - Seller-04/09/2024 Counter-Non-QM loan, however the DTI exceeds guidelines max.  Finding remains. - Due Diligence Vendor-04/05/2024 Ready for Review-Please note that this loan is NON QM - Seller-04/03/2024 Open-ATR: The Lender did not document all ATR Factors -DTI > max allowed - Due Diligence Vendor-04/03/2024

Ready for Review-Document Uploaded.  - Seller-04/09/2024  Ready for Review-Please note that this loan is NON QM - Seller-04/03/2024

Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-04/17/2024  Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-04/16/2024  Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Recalculated the income - Due Diligence Vendor-04/10/2024

LTV is less than guideline maximum - 58.3% LTV is less than 65% maximum.. Qualifying DTI below maximum allowed - DTI is 41.46%. Allowed to 49%

XXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

XXXXX

AZ

Primary Residence

Refinance

Cash Out - Other

N/A

N/A

1547248

278426

C

B

C

B

A

A

A

A

Closed

FCRE1506

2024-04-03 13:29

2024-04-17 14:58

Resolved

1 - Information

C

A

Credit

QM-ATR

Invalid Final QM Status - ATR/QM: Status Pending

Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/17/2024 Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/16/2024 Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Recalculated Income - Due Diligence Vendor-04/10/2024 Ready for Review-Document Uploaded. Used DTI is 46.88% per 1008, please see attached. - Seller-04/10/2024 Counter-This condition pertains to the DTI exceeding the maximum allowed. - Due Diligence Vendor-04/08/2024 Ready for Review-Document Uploaded. Please note change he loan amount to XXXXX to meet the 60% LTV (based off XXXXX  appraised value), attached is copy of the COC. Thank you. - Seller-04/05/2024 Counter-Non-QM loan, however the DTI exceeds guidelines max.  Finding remains. - Due Diligence Vendor-04/05/2024 Ready for Review-Please note that this loan is NON QM - Seller-04/03/2024 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. -DTI exceeds guideline max; Lender used 2021 Sch C income for a company that is now a 1065 Partnership with Borrower only having 34% ownership and $155 annual income per 2022 K-1. - Due Diligence Vendor-04/03/2024

Ready for Review-Document Uploaded. Used DTI is 46.88% per 1008, please see attached. - Seller-04/10/2024  Ready for Review-Document Uploaded. Please note change he loan amount to XXXXX  to meet the 60% LTV (based off XXXXX  appraised value), attached is copy of the COC. Thank you. - Seller-04/05/2024  Ready for Review-Please note that this loan is NON QM - Seller-04/03/2024

Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/17/2024  Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/16/2024  Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Recalculated Income - Due Diligence Vendor-04/10/2024

LTV is less than guideline maximum - 58.3% LTV is less than 65% maximum.. Qualifying DTI below maximum allowed - DTI is 41.46%. Allowed to 49%

XXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

XXXXX

AZ

Primary Residence

Refinance

Cash Out - Other

N/A

N/A

1547249

278426

C

B

C

B

A

A

A

A

Closed

FCRE1492

2024-04-03 11:57

2024-04-11 09:56

Resolved

1 - Information

C

A

Credit

Assets

Cash Out Does Not Meet Guideline Requirements

Resolved- - Due Diligence Vendor-04/11/2024 Open-Cash Out Does Not Meet Guideline Requirements Loan approved as a rate/term refinance, but final CD notes two collections/judgments and one revolving account paid at close; net c/o is > $5K. Fico finding was a duplicate finding of this finding - Due Diligence Vendor-04/11/2024

LTV is less than guideline maximum - 58.3% LTV is less than 65% maximum.. Qualifying DTI below maximum allowed - DTI is 41.46%. Allowed to 49%

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

XXXXX

AZ

Primary Residence

Refinance

Cash Out - Other

N/A

N/A

1546761

278426

C

B

C

B

A

A

A

A

Closed

FCRE1197

2024-04-03 13:39

2024-04-11 09:42

Waived

2 - Non-Material

C

B

Credit

Eligibility

Audited FICO is less than Guideline FICO

Waived-Originator has provided an exception waiver . Waiver applied to non material finding - Due Diligence Vendor-04/11/2024 Counter-Documented FICO score is 602 per credit report.  660 is the minimum allowed and cannot be used for as compensating factor. - Finding remains. - Due Diligence Vendor-04/10/2024 Ready for Review-Compensating factors: Fico score is 660 with sufficient reserves.  - Seller-04/10/2024 Open-Unable to waive without 2 verifiable compensating factors.  Finding remains. - Due Diligence Vendor-04/08/2024 Ready for Review-Document Uploaded. Please note that an exception was granted based on 660 FICO score and max LTV of 60%, copy of the COC for 660 FICO is attached.  - Seller-04/05/2024 Open-Audited FICO of 602 is less than Guideline FICO of 660 -602 qualifying FICO < 660 min - Due Diligence Vendor-04/03/2024

Ready for Review-Compensating factors: Fico score is 660 with sufficient reserves.  - Seller-04/10/2024  Ready for Review-Document Uploaded. Please note that an exception was granted based on 660 FICO score and max LTV of 60%, copy of the COC for 660 FICO is attached.  - Seller-04/05/2024

Waived-Originator has provided an exception waiver . Waiver applied to non material finding - Due Diligence Vendor-04/11/2024

LTV is less than guideline maximum - 58.3% LTV is less than 65% maximum.. Qualifying DTI below maximum allowed - DTI is 41.46%. Allowed to 49%

XXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

XXXXX

AZ

Primary Residence

Refinance

Cash Out - Other

Originator Post-Close

Yes

1547287

278426

C

B

C

B

A

A

A

A

Closed

FCRE1323

2024-04-03 12:35

2024-04-03 15:03

Waived

2 - Non-Material

B

B

Credit

Income/Employment

Borrower 1 Business Tax Returns Less Than 24 Months Provided

Waived-Borrower 1 Business Tax Returns Less Than 24 Months Provided Guidelines require most recent two years Business Tax Returns.  Business 1 and Business 2 both opened 01/01/2022 per the 1065s in file.  Businesses opened 2022 with 2022 tax returns and 2023 P&L in file for income producing business and 2022 loss used for non-income producing business.  3rd business was Sch C in 2021 and 1065 in 2022-only 34% ownership in 2022.  Originator waiver applied to non-material finding. - Due Diligence Vendor-04/03/2024

Waived-Borrower 1 Business Tax Returns Less Than 24 Months Provided Guidelines require most recent two years Business Tax Returns.  Business 1 and Business 2 both opened 01/01/2022 per the 1065s in file.  Businesses opened 2022 with 2022 tax returns and 2023 P&L in file for income producing business and 2022 loss used for non-income producing business.  3rd business was Sch C in 2021 and 1065 in 2022-only 34% ownership in 2022.  Originator waiver applied to non-material finding. - Due Diligence Vendor-04/03/2024

LTV is less than guideline maximum - 58.3% LTV is less than 65% maximum.. Qualifying DTI below maximum allowed - DTI is 41.46%. Allowed to 49%

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

XXXXX

AZ

Primary Residence

Refinance

Cash Out - Other

Originator Post-Close

No

1546988

278428

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

NJ

Investment

Refinance

Cash Out - Other

278429

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TX

Investment

Purchase

NA

278430

A

A

A

A

A

A

A

A

A

A

Non-QM: APOR

Non-QM: APOR

XXXXX

FL

Primary Residence

Purchase

NA

278431

C

B

C

B

A

A

A

A

Closed

FCRE3599

2024-04-02 14:32

2024-04-05 12:04

Waived

2 - Non-Material

C

B

Credit

Eligibility

Borrower owns more financed properties than allowed per guidelines

Waived-Originator provided an exception. Originator waiver applied to non material finding - Due Diligence Vendor-04/05/2024 Open-Guides allow a max of 4 loans per Lender Borrower has 8 - Due Diligence Vendor-04/02/2024

Waived-Originator provided an exception. Originator waiver applied to non material finding - Due Diligence Vendor-04/05/2024

LTV is less than guideline maximum - LTV 46.40% is lower than maximum 75% Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 723 is higher than the required 640

LTV 50% DSCR > 1.00

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CA

Investment

Refinance

Cash Out - Other

Originator Post-Close

Yes

1543937

278432

C

B

C

B

A

A

A

A

Closed

FCRE1440

2024-04-03 08:18

2024-04-08 10:08

Waived

2 - Non-Material

C

B

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Waived-Lender provided an exception waiver.  Originator waiver applied to non material finding - Due Diligence Vendor-04/08/2024 Open-Housing History Does Not Meet Guideline Requirements Credit report reflects 2x30 on a prior mtg  in the last 12 months (6/23 and 4/23). Guides allow max of 1 x 30 - Due Diligence Vendor-04/03/2024

Waived-Lender provided an exception waiver.  Originator waiver applied to non material finding - Due Diligence Vendor-04/08/2024

Qualifying DTI below maximum allowed - DTI of 37.96% is less than the maximum allowed per guidelines of 49% Qualifying FICO score is at least 20 points above minimum for program - FICO score of 728 is higher than the minimum required score of 660

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CA

Investment

Refinance

Cash Out - Other

Originator Post-Close

Yes

1545611

278433

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

PA

Investment

Purchase

NA

278434

A

A

A

A

A

A

A

A

A

A

Non-QM: APOR

Non-QM: APOR

XXXXX

CA

Primary Residence

Refinance

Cash Out - Other

278435

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

278436

D

A

D

A

A

A

A

A

Closed

FCRE1202

2024-04-03 10:46

2024-04-15 10:15

Resolved

1 - Information

D

A

Credit

Missing Doc

Third Party Fraud Report Partially Provided

Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-04/15/2024 Ready for Review-Document Uploaded.  - Seller-04/12/2024 Open-Third Party Fraud Report Partially Provided -Missing SSN and Identification verification documentation; Fraud report alert notes cleared with Credit report tradeline > 5 years.  No tradeline for borrower found > 7 months - AU tradelines not included(only reporting 5 months for Borrower) - Due Diligence Vendor-04/03/2024

Ready for Review-Document Uploaded.  - Seller-04/12/2024

Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-04/15/2024

Qualifying FICO score is at least 20 points above minimum for program - FICO = 725 Min FICO = 640 DSCR % greater than 1.20 - DSCR = 1.30

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

NY

Investment

Purchase

NA

N/A

N/A

1546333

278437

C

B

C

B

A

A

A

A

Closed

FCRE8701

2024-04-03 13:02

2024-04-04 12:48

Resolved

1 - Information

C

A

Credit

Borrower

Business Entity Formation Document is Missing

Resolved-The Business Entity Formation Document is not Missing - Operating agreement provided. - Due Diligence Vendor-04/04/2024 Ready for Review-Document Uploaded.  - Seller-04/03/2024 Open-The Business Entity Formation Document is Missing -Missing LLC docs for vested business entity. - Due Diligence Vendor-04/03/2024

Ready for Review-Document Uploaded.  - Seller-04/03/2024

Resolved-The Business Entity Formation Document is not Missing - Operating agreement provided. - Due Diligence Vendor-04/04/2024

DSCR % greater than 1.20 - DSCR 1.29% Months Reserves exceed minimum required - 3 months reserves required, borrower has 12 months

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

OH

Investment

Purchase

NA

N/A

N/A

1547097

278437

C

B

C

B

A

A

A

A

Closed

FCRE8013

2024-04-03 13:11

2024-04-04 10:07

Waived

2 - Non-Material

C

B

Credit

Eligibility

Purchase Contract Issue

Waived--Originator waiver applied to non-material finding. - Due Diligence Vendor-04/04/2024 Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. -Missing Purchase contract addendum adding LLC as Buyer on Contract. - Due Diligence Vendor-04/03/2024

Waived--Originator waiver applied to non-material finding. - Due Diligence Vendor-04/04/2024

DSCR % greater than 1.20 - DSCR 1.29% Months Reserves exceed minimum required - 3 months reserves required, borrower has 12 months

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

OH

Investment

Purchase

NA

Originator Post-Close

No

1547146

278438

D

A

D

A

A

A

A

A

Closed

FCRE1180

2024-04-03 15:56

2024-04-05 10:02

Resolved

1 - Information

D

A

Credit

Missing Doc

HO-6 Insurance Policy is Missing

Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-04/05/2024 Ready for Review-Document Uploaded.  - Seller-04/04/2024 Open-HO-6 Insurance Policy is Missing - Due Diligence Vendor-04/03/2024

Ready for Review-Document Uploaded.  - Seller-04/04/2024

Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-04/05/2024

Qualifying DTI below maximum allowed - DTI = 40.4% - Max DTI = 50% Qualifying FICO score is at least 20 points above minimum for program - FICO = 771    Min FICO = 700

XXXXX

Non-QM: APOR

Non-QM: APOR

XXXXX

CA

Primary Residence

Purchase

NA

N/A

N/A

1547939

278439

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

OK

Investment

Purchase

NA

278440

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

OH

Investment

Purchase

NA

278441

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

IL

Investment

Purchase

NA

278442

A

A

A

A

A

A

A

A

A

A

Non-QM: APOR

Non-QM: APOR

XXXXX

MA

Primary Residence

Refinance

Cash Out - Other

278443

D

A

D

A

A

A

A

A

Closed

FCOM1227

2024-04-03 15:31

2024-04-19 11:20

Resolved

1 - Information

D

A

Credit

Missing Doc

PUD Rider is Missing

Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - PUD Rider provided. - Due Diligence Vendor-04/19/2024 Ready for Review-Document Uploaded.  - Seller-04/18/2024 Open-PUD Rider is Missing -Appraisal reflects property is a PUD; no PUD Rider provided. - Due Diligence Vendor-04/03/2024

Ready for Review-Document Uploaded.  - Seller-04/18/2024

Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - PUD Rider provided. - Due Diligence Vendor-04/19/2024

Months Reserves exceed minimum required - Verified assets of 62.98 months reserves exceed the minimum required of 3 months Qualifying FICO score is at least 20 points above minimum for program - FICO score of 790 is higher than the minimum required score of 660

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

N/A

N/A

1547830

278444

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

GA

Investment

Purchase

NA

278445

A

A

A

A

A

A

A

A

A

A

Non-QM: APOR

Non-QM: APOR

XXXXX

FL

Primary Residence

Purchase

NA

278446

B

B

B

B

A

A

A

A

Closed

FCRE1507

2024-04-03 14:46

2024-04-03 15:14

Waived

2 - Non-Material

B

B

Credit

QM-ATR

Discrepancy between Originator QM Status and Final QM Status

Waived-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'QM: Safe Harbor (SH)'. Originator designated as Fail, however, audit results in as a Safe Harbor, Originator waiver applied to non material finding - Due Diligence Vendor-04/03/2024

Waived-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'QM: Safe Harbor (SH)'. Originator designated as Fail, however, audit results in as a Safe Harbor, Originator waiver applied to non material finding - Due Diligence Vendor-04/03/2024

LTV is less than guideline maximum - LTV 75% is lower than maximum 80% Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 766 is higher than the required 660. Qualifying DTI below maximum allowed - DTI 43.81% is lower than allowable 49%

Non-QM: Lender documented all ATR UW factors

QM: Safe Harbor (SH)

XXXXX

MD

Primary Residence

Purchase

NA

Originator Post-Close

No

1547623

278447

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

WA

Investment

Purchase

NA

278448

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

GA

Investment

Purchase

NA

278449

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

278450

D

A

D

A

A

A

A

A

Closed

FCOM1227

2024-04-02 16:16

2024-04-04 12:56

Resolved

1 - Information

D

A

Credit

Missing Doc

PUD Rider is Missing

Resolved-Subject is a detached Condo. - Due Diligence Vendor-04/04/2024 Ready for Review-Property is a detached condo.  - Seller-04/03/2024 Open-PUD Rider is Missing -Appraisal form is 1004 and reflects property is a PUD; DOT has Condo Rider. - Due Diligence Vendor-04/02/2024

Ready for Review-Property is a detached condo.  - Seller-04/03/2024

Resolved-Subject is a detached Condo. - Due Diligence Vendor-04/04/2024

Months Reserves exceed minimum required - Verified assets of 13.02 months reserves exceed the minimum required of 3 months Qualifying FICO score is at least 20 points above minimum for program - FICO score of 720 is higher than the minimum required score of 700

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TX

Investment

Purchase

NA

N/A

N/A

1544363

278451

A

A

A

A

A

A

A

A

A

A

QM: Safe Harbor (SH)

QM: Safe Harbor (SH)

XXXXX

CA

Primary Residence

Purchase

NA

278452

C

A

C

A

A

A

A

A

Closed

FCRE1440

2024-04-03 16:39

2024-04-08 08:58

Resolved

1 - Information

C

A

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Lender has advise that thie loan in question is a purchase that has not yet closed. No history is required. - Due Diligence Vendor-04/08/2024 Open-Housing History Does Not Meet Guideline Requirements Missing mortgage history for property at XXXXX. - Due Diligence Vendor-04/03/2024

Resolved-Lender has advise that thie loan in question is a purchase that has not yet closed. No history is required. - Due Diligence Vendor-04/08/2024

Qualifying FICO score is at least 20 points above minimum for program - FICO score of 810 is higher than the minimum required score of 620 Months Reserves exceed minimum required - Verified assets of 821.92 months reserves exceed the minimum required of 3 months

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

GA

Investment

Purchase

NA

N/A

N/A

1548112

278453

C

B

C

B

A

A

A

A

Closed

FCRE8013

2024-04-02 14:16

2024-04-03 09:17

Waived

2 - Non-Material

C

B

Credit

Eligibility

Purchase Contract Issue

Waived--Originator waiver applied to non-material finding. - Due Diligence Vendor-04/03/2024 Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Missing sales contract addendum showing XXXXX as buyer.  - Due Diligence Vendor-04/02/2024

Waived--Originator waiver applied to non-material finding. - Due Diligence Vendor-04/03/2024

Months Reserves exceed minimum required - -4.12 months reserves; only 3 required Qualifying FICO score is at least 20 points above minimum for program - FICO score of 763 is higher than the minimum required score of 660

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

NY

Investment

Purchase

NA

Originator Post-Close

No

1543897

278454

C

A

C

A

A

A

A

A

Closed

FCRE8201

2024-04-02 17:50

2024-04-04 11:05

Resolved

1 - Information

C

A

Credit

Eligibility

Loan does not conform to program guidelines

Resolved--Upon further review, nothing additional required. - Due Diligence Vendor-04/04/2024 Open-Appraisal, Subject rear picture reflect solar panel. Title reflects obtain release and termination XXXXX . Seller settlement statement in file indicate  pay off XXXXX . Does not meet guideline as unable to confirm if property being purchased with the solar panel and property owner is the owner of the solar panel. Additional conditions may apply.  - Due Diligence Vendor-04/02/2024

Resolved--Upon further review, nothing additional required. - Due Diligence Vendor-04/04/2024

Months Reserves exceed minimum required - Months Reserves 6 exceed minimum required 3. Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 787 is at least 20 points above minimum for program 660.

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

OK

Investment

Purchase

NA

N/A

N/A

1544771

278455

D

A

D

A

A

A

A

A

Closed

FCRE1728

2024-04-03 16:52

2024-04-05 10:00

Resolved

1 - Information

D

A

Credit

Missing Doc

Missing rent comparable schedule form 1007

Resolved-Originator excluded rental income for the subject property. - Due Diligence Vendor-04/05/2024 Ready for Review-Document Uploaded.  - Seller-04/04/2024 Open-Provide 1007 to offset the payment. DTI would increase to 32% without offset of subject PITIA. - Due Diligence Vendor-04/03/2024

Ready for Review-Document Uploaded.  - Seller-04/04/2024

Resolved-Originator excluded rental income for the subject property. - Due Diligence Vendor-04/05/2024

Qualifying DTI below maximum allowed - DTI 8.69% is lower than allowable 49% Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 741 is higher than the required 680

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

N/A

N/A

1548172

278456

D

B

D

B

A

A

A

A

Closed

FCRE1158

2024-04-03 15:47

2024-04-05 10:08

Resolved

1 - Information

D

A

Credit

Missing Doc

Hazard Insurance Policy is Partial

Resolved-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is not partially provided - Due Diligence Vendor-04/05/2024 Ready for Review-Please see page 359 of the Loan Package, term of policy is from 03/29/2024 to 03/29/2025. - Seller-04/03/2024 Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided. Evidence of insurance is needed to show term of policy; binder does not show end date of policy. - Due Diligence Vendor-04/03/2024

Ready for Review-Please see page 359 of the Loan Package, term of policy is from 03/29/2024 to 03/29/2025. - Seller-04/03/2024

Resolved-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is not partially provided - Due Diligence Vendor-04/05/2024

LTV is less than guideline maximum - 58.61% LTV is less than guideline maximum. Months Reserves exceed minimum required - 14.38 months reserves exceed minimum required.

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

WA

Investment

Purchase

NA

N/A

N/A

1547905

278456

D

B

D

B

A

A

A

A

Closed

FCRE0045

2024-04-03 16:06

2024-04-05 10:06

Waived

2 - Non-Material

C

B

Credit

Eligibility

Foreign National but ACH form is not in file

Waived-Received exception approval for ACH. Finding is deemed non material. Originator waiver applied to non material findings. - Due Diligence Vendor-04/05/2024 Ready for Review-Document Uploaded. Please see attached rebuttal. - Seller-04/04/2024 Open-Foreign National but the ACH form is Missing from file.  - Due Diligence Vendor-04/03/2024

Ready for Review-Document Uploaded. Please see attached rebuttal. - Seller-04/04/2024

Waived-Received exception approval for ACH. Finding is deemed non material. Originator waiver applied to non material findings. - Due Diligence Vendor-04/05/2024

LTV is less than guideline maximum - 58.61% LTV is less than guideline maximum. Months Reserves exceed minimum required - 14.38 months reserves exceed minimum required.

58.61% LTV < 70% maximum allowed 24.99% DTI < 49% maximum allowed.

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

WA

Investment

Purchase

NA

Originator Post-Close

No

1547971

278457

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

GA

Investment

Refinance

Cash Out - Other

279174

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CA

Investment

Refinance

Cash Out - Other

279175

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

FL

Investment

Purchase

NA

279176

B

B

A

A

B

B

A

A

Closed

FCOM1301

2024-04-03 06:30

2024-04-04 17:51

Waived

2 - Non-Material

B

B

Compliance

Missing Doc

Home Loan Toolkit is Missing

Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non material findings.  - Due Diligence Vendor-04/03/2024

Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non material findings.  - Due Diligence Vendor-04/03/2024

Months Reserves exceed minimum required - Qualifying Total Reserves Number of Months 12.96; Guideline Required Reserves - Number of Months 6 Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 738; Guideline Min FICO 660

Non-QM: APOR

Non-QM: APOR

XXXXX

OK

Second Home

Purchase

NA

Originator Post-Close

No

1545433

279178

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

TX

Investment

Purchase

NA

279179

A

A

A

A

A

A

A

A

A

A

Non-QM: APOR

Non-QM: APOR

XXXXX

TX

Primary Residence

Purchase

NA

279180

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CA

Investment

Refinance

No Cash Out - Borrower Initiated

279181

A

A

A

A

A

A

A

A

A

A

Non-QM: APOR

Non-QM: APOR

XXXXX

AZ

Primary Residence

Refinance

Cash Out - Other

279183

C

A

C

A

A

A

A

A

Closed

FCRE1197

2024-04-04 15:52

2024-04-05 12:09

Resolved

1 - Information

C

A

Credit

Eligibility

Audited FICO is less than Guideline FICO

Resolved-Audited FICO of 689 is greater than or equal to Guideline FICO of 680 - Due Diligence Vendor-04/05/2024 Open-Audited FICO of 689 is less than Guideline FICO of 700 689 < 700 min required; Originator exception approval not provided. - Due Diligence Vendor-04/04/2024

Resolved-Audited FICO of 689 is greater than or equal to Guideline FICO of 680 - Due Diligence Vendor-04/05/2024

Months Reserves exceed minimum required - 261.19 months reserves exceed required 6 by 255.19 months. Qualifying DTI below maximum allowed - DTI 30.74% is lower than allowable 50%

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

XXXXX

MI

Primary Residence

Purchase

NA

N/A

N/A

1551539

279185

B

B

B

B

A

A

A

A

Closed

FCRE1507

2024-04-04 08:16

2024-04-04 11:28

Waived

2 - Non-Material

B

B

Credit

QM-ATR

Discrepancy between Originator QM Status and Final QM Status

Waived-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'QM: Safe Harbor (SH)'. Originator designated as Non-QM: Lender documented all ATR UW factors, however audit results in Safe Harbor. Originator waiver applied to non material finding - Due Diligence Vendor-04/04/2024

Waived-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'QM: Safe Harbor (SH)'. Originator designated as Non-QM: Lender documented all ATR UW factors, however audit results in Safe Harbor. Originator waiver applied to non material finding - Due Diligence Vendor-04/04/2024

LTV is less than guideline maximum - LTV 19.35% is lower than maximum 65% Qualifying DTI below maximum allowed - DTI 11.50% is lower than allowable 49%

Non-QM: Lender documented all ATR UW factors

QM: Safe Harbor (SH)

XXXXX

CA

Primary Residence

Refinance

Cash Out - Other

Originator Post-Close

No

1549312

279188

B

B

B

B

A

A

A

A

Closed

FCRE1507

2024-04-04 09:38

2024-04-04 11:49

Waived

2 - Non-Material

B

B

Credit

QM-ATR

Discrepancy between Originator QM Status and Final QM Status

Waived-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'QM: Rebuttable Presumption (APOR)'. Originator designated status as Non-QM Lender documented all ATR UW Factors, however, audit results in QM rebuttable Presumption (APOR). Originator waiver applied to non material finding. - Due Diligence Vendor-04/04/2024

Waived-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'QM: Rebuttable Presumption (APOR)'. Originator designated status as Non-QM Lender documented all ATR UW Factors, however, audit results in QM rebuttable Presumption (APOR). Originator waiver applied to non material finding. - Due Diligence Vendor-04/04/2024

Qualifying FICO score is at least 20 points above minimum for program - FICO score of 731 is higher than the minimum required score of 700 Qualifying DTI below maximum allowed - DTI of 43.87% is less than the maximum allowed per guidelines of 49%

Non-QM: Lender documented all ATR UW factors

QM: Rebuttable Presumption (APOR)

XXXXX

VA

Primary Residence

Refinance

Cash Out - Other

Originator Post-Close

No

1549669

279232

D

A

D

A

A

A

A

A

Closed

FCRE1964

2024-04-04 11:18

2024-04-08 10:35

Resolved

1 - Information

D

A

Credit

Missing Doc

Missing income documentation

Resolved-Taxes and insurance provided. - Due Diligence Vendor-04/08/2024 Ready for Review-Document Uploaded. Please see attached Revised 1003 and LOE for the property. - Seller-04/04/2024 Open-Missing taxes and insurance documents for rental property listed in 1003  - Due Diligence Vendor-04/04/2024

Ready for Review-Document Uploaded. Please see attached Revised 1003 and LOE for the property. - Seller-04/04/2024

Resolved-Taxes and insurance provided. - Due Diligence Vendor-04/08/2024

Qualifying FICO score is at least 20 points above minimum for program - FICO score of 752 is higher than the minimum required score of 640 LTV is less than guideline maximum - LTV of 70% is below the maximum of 80% allowed per guidelines.

XXXXX

Non-QM: APOR

Non-QM: APOR

XXXXX

CA

Primary Residence

Purchase

NA

N/A

N/A

1550201

279740

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CA

Investment

Purchase

NA

279741

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

NV

Investment

Purchase

NA

279742

A

A

A

A

A

A

A

A

A

A

Non-QM: APOR

Non-QM: APOR

XXXXX

CA

Primary Residence

Refinance

No Cash Out - Borrower Initiated

279745

D

A

D

A

A

A

A

A

Closed

FCRE7347

2024-04-04 13:51

2024-04-09 10:18

Resolved

1 - Information

D

A

Credit

Missing Doc

Missing Lease Agreement

Resolved-Lender used the Lower XXXXX  amount for qualification.  - Due Diligence Vendor-04/09/2024 Ready for Review-Document Uploaded. Please see attached revised 1008 and 1003 showing rent used as XXXXX. - Seller-04/08/2024 Open-Lease agreements for Units XXXXX  total XXXXX, but the XXXXX  is XXXXX. The auditor based on the XXXXX  is lower, but lenders use a worse case of XXXXX for a loss of XXXXX. Provide documentation that supports this. - Due Diligence Vendor-04/04/2024

Ready for Review-Document Uploaded. Please see attached revised 1008 and 1003 showing rent used as $3,499. - Seller-04/08/2024

Resolved-Lender used the Lower XXXXX amount for qualification.  - Due Diligence Vendor-04/09/2024

Months Reserves exceed minimum required - 12.56 months reserves exceed required 6 by 6.56 months. Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 724 is higher than the required 700

XXXXX

Non-QM: APOR

Non-QM: APOR

XXXXX

CA

Primary Residence

Refinance

Cash Out - Other

N/A

N/A

1550900

279747

D

B

D

B

A

A

A

A

Closed

FCRE1506

2024-04-04 16:13

2024-04-15 18:01

Resolved

1 - Information

C

A

Credit

QM-ATR

Invalid Final QM Status - ATR/QM: Status Pending

Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/08/2024 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Provide the Mtg. statements for all the investment for XXXXX to confirm the taxes and insurance  - Due Diligence Vendor-04/04/2024

Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/08/2024

Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 754 is higher than the required 640 Months Reserves exceed minimum required - 17.79 months reserves exceed required 6 by 11.79 months.

Non-QM: APOR

Non-QM: APOR

XXXXX

CA

Primary Residence

Purchase

NA

N/A

N/A

1551611

279747

D

B

D

B

A

A

A

A

Closed

FCRE0970

2024-04-04 15:19

2024-04-10 09:05

Waived

2 - Non-Material

C

B

Credit

Eligibility

Appraisal has issues (credit)

Waived--Client waiver applied to non-material finding. - Due Diligence Vendor-04/10/2024 Counter-Please provide a corrected Appraisal reflecting the correct number stories.  Finding remains. - Due Diligence Vendor-04/08/2024 Ready for Review-This is a General Description of 1 story vs Project Type of High Rise. - Seller-04/05/2024 Open-Appraisal is reporting only 1 story, but its a High rise with subject located on the 14th floor - Due Diligence Vendor-04/04/2024

Ready for Review-This is a General Description of 1 story vs Project Type of High Rise. - Seller-04/05/2024

Waived--Client waiver applied to non-material finding. - Due Diligence Vendor-04/10/2024

Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 754 is higher than the required 640 Months Reserves exceed minimum required - 17.79 months reserves exceed required 6 by 11.79 months.

Non-QM: APOR

Non-QM: APOR

XXXXX

CA

Primary Residence

Purchase

NA

Originator Post-Close

No

1551380

279747

D

B

D

B

A

A

A

A

Closed

FCRE7497

2024-04-04 15:42

2024-04-08 09:47

Resolved

1 - Information

D

A

Credit

Missing Doc

Missing verification of taxes, insurance, and/or HOA fees for non-subject property

Resolved-PITIA verification was located in the file - Due Diligence Vendor-04/08/2024 Open-Provide the Mtg. statements for all the investment for XXXXX  to confirm the taxes and insurance. DTI to be recalculated after received - Due Diligence Vendor-04/04/2024

Resolved-PITIA verification was located in the file - Due Diligence Vendor-04/08/2024

Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 754 is higher than the required 640 Months Reserves exceed minimum required - 17.79 months reserves exceed required 6 by 11.79 months.

Non-QM: APOR

Non-QM: APOR

XXXXX

CA

Primary Residence

Purchase

NA

N/A

N/A

1551483

280639

C

A

C

A

A

A

A

A

Closed

FCRE1160

2024-04-05 07:40

2024-04-12 11:26

Resolved

1 - Information

C

A

Credit

Insurance

Hazard Insurance Expiration Date is before the Note Date

Resolved-Hazard Insurance Expiration Date of XXXXX  is after the Note Date of XXXXX  Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-04/12/2024 Ready for Review-Document Uploaded.  - Seller-04/11/2024 Open-Hazard Insurance Expiration Date of 0XXXXX  is prior to or equal to the Note Date of XXXXX HOI expiration date is same as effective date. - Due Diligence Vendor-04/05/2024

Ready for Review-Document Uploaded.  - Seller-04/11/2024

Resolved-Hazard Insurance Expiration Date of XXXXX is after the Note Date of XXXXX Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-04/12/2024

Qualifying FICO score is at least 20 points above minimum for program - FICO score of 797 is higher than the minimum required score of 660 Months Reserves exceed minimum required - Verified assets of 34.15 months reserves exceed the minimum required of 9 months

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CA

Investment

Purchase

NA

N/A

N/A

1552909

280642

C

B

C

B

A

A

A

A

Closed

FCRE1506

2024-04-05 14:13

2024-04-09 13:56

Resolved

1 - Information

C

A

Credit

QM-ATR

Invalid Final QM Status - ATR/QM: Status Pending

Resolved-Lender provided lease agreement Status has been updated. - Due Diligence Vendor-04/09/2024 Ready for Review-Document Uploaded. Per 1008 DTI is 42.24% / 47.69%, please see attached. - Seller-04/08/2024 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI is 61.63% - Due Diligence Vendor-04/05/2024

Ready for Review-Document Uploaded. Per 1008 DTI is 42.24% / 47.69%, please see attached. - Seller-04/08/2024

Resolved-Lender provided lease agreement Status has been updated. - Due Diligence Vendor-04/09/2024

Months Reserves exceed minimum required - Verified assets of 42.93 months reserves exceed the minimum required of 6 months Qualifying FICO score is at least 20 points above minimum for program - FICO score of 799 is higher than the minimum required score of 620

XXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

XXXXX

CA

Primary Residence

Purchase

NA

N/A

N/A

1554915

280642

C

B

C

B

A

A

A

A

Closed

FCRE1193

2024-04-05 13:10

2024-04-09 13:52

Resolved

1 - Information

C

A

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Resolved-Lender provided Lease agreement - Due Diligence Vendor-04/09/2024 Ready for Review-Document Uploaded. Please note that the monthly rent for XXXXX  is $3063, please see attached rental least agreement.  - Seller-04/08/2024 Open-Audited DTI of 61.63% exceeds Guideline DTI of 49% Lender higher rent for XXXXX , lease has rent of $1600 per month and lender used $3063 - Due Diligence Vendor-04/05/2024

Ready for Review-Document Uploaded. Please note that the monthly rent for XXXXX  is $3063, please see attached rental least agreement.  - Seller-04/08/2024

Resolved-Lender provided Lease agreement - Due Diligence Vendor-04/09/2024

Months Reserves exceed minimum required - Verified assets of 42.93 months reserves exceed the minimum required of 6 months Qualifying FICO score is at least 20 points above minimum for program - FICO score of 799 is higher than the minimum required score of 620

XXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

XXXXX

CA

Primary Residence

Purchase

NA

N/A

N/A

1554600

280642

C

B

C

B

A

A

A

A

Closed

FCRE1507

2024-04-05 13:16

2024-04-05 14:08

Waived

2 - Non-Material

B

B

Credit

QM-ATR

Discrepancy between Originator QM Status and Final QM Status

Waived-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'QM: Safe Harbor (SH)'. The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' and audit results in QM: Safe Harbor . Originator waiver applied to non material finding - Due Diligence Vendor-04/05/2024

Waived-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'QM: Safe Harbor (SH)'. The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' and audit results in QM: Safe Harbor . Originator waiver applied to non material finding - Due Diligence Vendor-04/05/2024

Months Reserves exceed minimum required - Verified assets of 42.93 months reserves exceed the minimum required of 6 months Qualifying FICO score is at least 20 points above minimum for program - FICO score of 799 is higher than the minimum required score of 620

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

XXXXX

CA

Primary Residence

Purchase

NA

Originator Post-Close

No

1554623

280644

A

A

A

A

A

A

A

A

A

A

Non-QM: APOR

Non-QM: APOR

XXXXX

CA

Primary Residence

Refinance

Cash Out - Other

280646

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

XXXXX

CA

Investment

Purchase

NA

280649

A

A

A

A

A

A

A

A

A

A

Non-QM: APOR

Non-QM: APOR

XXXXX

CA

Primary Residence

Purchase

NA

281124

D

A

A

A

A

A

D

A

Closed

FPRO1253

2024-04-07 20:34

2024-04-09 13:16

Resolved

1 - Information

D

A

Property

Missing Doc

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Loan file contains a field review, supporting the appraised value.  Meets guidelines. - Due Diligence Vendor-04/09/2024 Ready for Review-Document Uploaded. Please see rebuttal attached. - Seller-04/09/2024 Open-Missing second full appraisal as required per guidelines for loans over $2M. - Due Diligence Vendor-04/08/2024

Ready for Review-Document Uploaded. Please see rebuttal attached. - Seller-04/09/2024

Resolved-Loan file contains a field review, supporting the appraised value.  Meets guidelines. - Due Diligence Vendor-04/09/2024

Qualifying FICO score is at least 20 points above minimum for program - FICO score of 753 is higher than the minimum required score of 660 LTV is less than guideline maximum - LTV of 37.68% is below the maximum of 65% allowed per guidelines.

XXXXX

Non-QM: APOR

Non-QM: APOR

XXXXX

CA

Primary Residence

Refinance

Cash Out - Other

N/A

N/A

1557144

281633

B

B

B

B

A

A

A

A

Closed

FCRE1507

2024-04-09 12:03

2024-04-09 13:28

Waived

2 - Non-Material

B

B

Credit

QM-ATR

Discrepancy between Originator QM Status and Final QM Status

Waived-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'QM: Rebuttable Presumption (APOR)'. Originator designated 'Non-QM: Lender documented all ATR UW factors and audit results in QM: Rebuttable Presumption . Originator waiver applied to non material finding - Due Diligence Vendor-04/09/2024

Waived-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'QM: Rebuttable Presumption (APOR)'. Originator designated 'Non-QM: Lender documented all ATR UW factors and audit results in QM: Rebuttable Presumption . Originator waiver applied to non material finding - Due Diligence Vendor-04/09/2024

Months Reserves exceed minimum required - Verified assets of 35.15 months reserves exceed the minimum required of 6 months Qualifying DTI below maximum allowed - DTI of 37.32% is less than the maximum allowed per guidelines of 49%

Non-QM: Lender documented all ATR UW factors

QM: Rebuttable Presumption (APOR)

XXXXX

CA

Primary Residence

Refinance

Cash Out - Other

Originator Post-Close

No

1562793

281641

C

A

C

A

A

A

A

A

Closed

FCRE5778

2024-04-19 12:01

2024-04-25 11:44

Resolved

1 - Information

C

A

Credit

Eligibility

Borrower 1 Credit Report is Expired

Resolved--Upon further review, credit report is < 90 days old. - Due Diligence Vendor-04/25/2024 Open-Borrower 1 Credit Report is Expired (Greater than 120 days from the Closing Date). - Due Diligence Vendor-04/19/2024

Resolved--Upon further review, credit report is < 90 days old. - Due Diligence Vendor-04/25/2024

Qualifying FICO score is at least 20 points above minimum for program - FICO score of 785 is higher than the minimum required score of 660 Months Reserves exceed minimum required - Verified assets of 18.8 months reserves exceed the minimum required of 6 months

QM: Safe Harbor (SH)

QM: Safe Harbor (SH)

XXXXX

CA

Primary Residence

Purchase

NA

N/A

N/A

1599657

EX-99.10

Exhibit 99.10

LOAN INFORMATION

INITIAL CREDIT LOAN GRADES

INITIAL COMPLIANCE LOAN GRADES

INITIAL PROPERTY LOAN GRADES

INITIAL OVERALL LOAN GRADES

FINAL CREDIT LOAN GRADES

FINAL COMPLIANCE LOAN GRADES

FINAL PROPERTY LOAN GRADES

FINAL OVERALL LOAN GRADES

Loan ID

Seller Loan ID

Investor Loan ID

Original Loan Amount

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

216693

XXXXX

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277802

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277803

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278426

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278428

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278429

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278430

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278431

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278432

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278433

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278434

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278435

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278436

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278437

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278438

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278439

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278440

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278445

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278454

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279176

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279178

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279180

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279181

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279183

XXXXX

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279185

XXXXX

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279188

XXXXX

B

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279232

XXXXX

D

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279740

XXXXX

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279741

XXXXX

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279742

XXXXX

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279745

XXXXX

D

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279747

XXXXX

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280639

XXXXX

C

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280642

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280644

XXXXX

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280646

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280649

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281124

XXXXX

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D

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281633

XXXXX

B

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A

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A

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281641

XXXXX

C

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EX-99.11

Exhibit 99.11

Redaction ID

Seller Loan ID

Investor Loan ID

Note Date

Original Loan Amount

Sales Price

Total Adjusted Prior Purchase Price

Primary Appraised Value

Primary Appraisal Date

Primary Appraisal Type

Value for LTV

LTV

CLTV

Loan Reviewed Property Value

Loan Reviewed Variance Amount

Loan Reviewed Variance Percent

Loan Reviewed Product Type

Loan Post-Close Reviewed Property Value

Loan Post-Close Reviewed Variance Amount

Loan Post-Close Reviewed Variance Percent

Loan Post-Close Reviewed Product Type

Second Appraisal Value

Second Appraisal Variance Amount

Second Appraisal Variance Percent

Second Appraisal Date

Second Appraisal Type

AVM Appraised Value

AVM Variance Amount

AVM Variance Percent

AVM Confidence Score

FSD Score

AVM Company Name

AVM Product Name

AVM Appraisal Date

Desk Review Appraised Value

Desk Review Variance Amount

Desk Review Variance Percent

Desk Review Company

Desk Review Risk Score

Desk Review Appraisal Date

Desk Top Appraised Value

Desk Top Variance Amount

Desk Top Variance Percent

Desk Top Company

Desk Top Appraisal Date

BPO Appraised Value

BPO Variance Amount

BPO Variance Percent

BPO Company

BPO Appraisal Date

Field Review Appraised Value

Field Review Variance Amount

Field Review Variance Percent

Field Review Company

Field Review Appraisal Date

2055 Appraised Value

2055 Variance Amount

2055 Variance Percent

2055 Company

2055 Appraisal Date

AVE/CMA Appraised Value

AVE/CMA Variance Amount

AVE/CMA Variance Percent

AVE/CMA Company

AVE/CMA Appraisal Date

Other Appraised Value

Other Variance Amount

Other Variance Percent

Other Appraisal Date

Updated Appraised Value

Updated Variance Amount

Updated Variance Percent

Updated Company

Updated Appraisal Date

Updated Appraisal Type

Loan Collateral Advisor Risk Score

Loan Collateral Advisor Risk Score Date

Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?

Collateral Underwriter Risk Score

Collateral Underwriter Risk Score Date

216693

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

60.0

60.0

XXXXX

XXXXX

-.0769

Desk Review

XXXXX

XXXXX

-.0769

XXXXX

Moderate Risk

XXXXX

1

XXXXX

219305

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1025 Small Residential Income Report

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

219306

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1025 Small Residential Income Report

XXXXX

67.11

67.11

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

220269

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low Risk

XXXXX

1

XXXXX

231006

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1.0

XXXXX

231253

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1025 Small Residential Income Report

XXXXX

57.69

57.69

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

232375

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

232705

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

52.27

52.27

XXXXX

XXXXX

.0271

Desk Review

XXXXX

XXXXX

.0271

XXXXX

Reasonable

XXXXX

3.2

XXXXX

233107

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1073 Individual Condo Report

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

2.6

XXXXX

233485

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

-.0355

Desk Review

XXXXX

XXXXX

-.0355

XXXXX

Reasonable

XXXXX

2.6

XXXXX

233489

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

58.82

58.82

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Reasonable

XXXXX

2.6

XXXXX

234161

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

56.43

56.43

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

2.2

XXXXX

234163

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

72.0

72.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1.0

XXXXX

234776

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

236210

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

59.64

59.64

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low Risk

XXXXX

2.6

XXXXX

237958

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

-.0133

Desk Review

XXXXX

XXXXX

-.0133

XXXXX

Reasonable

XXXXX

1

XXXXX

237964

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

238302

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

238303

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low Risk

XXXXX

3.5

XXXXX

239175

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

73.86

73.86

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

2

XXXXX

239176

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

60.0

60.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

239405

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

43.36

43.36

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

239407

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

239409

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low

XXXXX

240197

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

48.15

48.15

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

3.8

XXXXX

240205

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

240206

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

66.16

66.16

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

999

XXXXX

240534

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

47.16

47.16

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1.1

XXXXX

240543

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

240853

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1073 Individual Condo Report

XXXXX

60.0

60.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

241183

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

48.58

48.58

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

241969

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

242219

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

-.1000

Desk Review

XXXXX

XXXXX

-.1000

XXXXX

Reasonable

XXXXX

1.2

XXXXX

242225

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

42.92

42.92

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1.7

XXXXX

242227

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

3.1

XXXXX

243205

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

60.0

60.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low

XXXXX

1

XXXXX

243208

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

69.82

69.82

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

3.4

XXXXX

244157

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

244166

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

58.84

58.84

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

2

XXXXX

244398

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1073 Individual Condo Report

XXXXX

65.0

65.0

XXXXX

XXXXX

-.0152

Desk Review

XXXXX

XXXXX

-.0152

XXXXX

Reasonable

XXXXX

1

XXXXX

244403

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

60.0

60.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

244407

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low Risk

XXXXX

1

XXXXX

244759

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1.1

XXXXX

245160

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1073 Individual Condo Report

XXXXX

53.85

53.85

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

245476

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low

XXXXX

1.4

XXXXX

245477

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low

XXXXX

1.5

XXXXX

245482

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

54.0

54.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

245483

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low Risk

XXXXX

1.1

XXXXX

247206

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

247208

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

46.05

46.05

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

5

XXXXX

247209

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

72.63

72.63

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

247213

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

38.33

38.33

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

247587

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Moderate

XXXXX

1.1

XXXXX

247590

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

55.9

55.9

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

3.2

XXXXX

247596

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

32.85

32.85

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low Risk

XXXXX

2.8

XXXXX

248311

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1025 Small Residential Income Report

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low

XXXXX

248599

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

59.65

59.65

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low

XXXXX

1.4

XXXXX

248716

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low

XXXXX

1

XXXXX

248941

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1.4

XXXXX

248944

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

74.99

74.99

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low

XXXXX

1.4

XXXXX

248951

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low Risk

XXXXX

1

XXXXX

249845

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Moderate

XXXXX

2.7

XXXXX

249849

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1025 Small Residential Income Report

XXXXX

57.89

57.89

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

249850

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

60.0

60.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

2.3

XXXXX

249856

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

67.0

67.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

250222

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

60.0

60.0

XXXXX

XXXXX

-.0182

Desk Review

XXXXX

XXXXX

-.0182

XXXXX

Excellent

XXXXX

2.6

XXXXX

250223

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low

XXXXX

1.3

XXXXX

250228

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

80.0

80.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Moderate Risk

XXXXX

1.3

XXXXX

250229

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

80.0

80.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low Risk

XXXXX

2

XXXXX

251393

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

53.19

53.19

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

251397

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

-.0763

Desk Review

XXXXX

XXXXX

-.0763

XXXXX

Moderate Risk

XXXXX

1

XXXXX

251399

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

251400

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

80.0

80.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low Risk

XXXXX

1.7

XXXXX

252124

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1.1

XXXXX

252128

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Moderate

XXXXX

1.4

XXXXX

252130

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

64.5

64.5

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

252131

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Moderate

XXXXX

5

XXXXX

252350

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

60.0

60.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

252353

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1073 Individual Condo Report

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1.3

XXXXX

252354

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Moderate

XXXXX

252355

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

74.85

74.85

XXXXX

XXXXX

-.0185

Desk Review

XXXXX

XXXXX

-.0185

XXXXX

Reasonable

XXXXX

2.6

XXXXX

252769

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

252770

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1025 Small Residential Income Report

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Moderate

XXXXX

253142

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

253148

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

55.0

55.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Moderate

XXXXX

1.7

XXXXX

253371

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Moderate

XXXXX

5

XXXXX

253372

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1073 Individual Condo Report

XXXXX

80.0

80.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

2.2

XXXXX

253379

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Moderate Risk

XXXXX

1

XXXXX

253919

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Moderate

XXXXX

2.8

XXXXX

253923

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

55.0

55.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

2.1

XXXXX

253925

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1025 Small Residential Income Report

XXXXX

70.0

70.0

XXXXX

XXXXX

-.0209

Desk Review

XXXXX

XXXXX

-.0209

XXXXX

Reasonable

XXXXX

253926

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

54.79

54.79

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

254526

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

2.8

XXXXX

254529

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1025 Small Residential Income Report

XXXXX

44.94

44.94

XXXXX

XXXXX

-.0562

Desk Review

XXXXX

XXXXX

-.0562

XXXXX

Moderate Risk

XXXXX

254530

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1073 Individual Condo Report

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low Risk

XXXXX

2.6

XXXXX

254531

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

49.02

49.02

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

254532

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0357

Desk Review

XXXXX

XXXXX

.0357

XXXXX

Excellent

XXXXX

1

XXXXX

254533

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

2.6

XXXXX

254534

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

74.99

74.99

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low

XXXXX

2.3

XXXXX

254845

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

254847

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

64.24

64.24

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1.2

XXXXX

254848

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

255498

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1073 Individual Condo Report

XXXXX

39.08

39.08

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

255500

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

50.0

50.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1.1

XXXXX

255501

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

55.0

55.0

XXXXX

XXXXX

-.0171

Desk Review

XXXXX

XXXXX

-.0171

XXXXX

Reasonable

XXXXX

3.3

XXXXX

255502

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

255800

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low

XXXXX

2.7

XXXXX

255802

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1025 Small Residential Income Report

XXXXX

60.0

60.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Moderate

XXXXX

255803

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

80.0

80.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low Risk

XXXXX

1

XXXXX

255804

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

80.0

80.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

255805

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

80.0

80.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

255806

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

59.99

59.99

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

2.8

XXXXX

255807

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1.9

XXXXX

255808

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Moderate Risk

XXXXX

1

XXXXX

255809

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1073 Individual Condo Report

XXXXX

46.51

46.51

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1.6

XXXXX

255810

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

38.71

38.71

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1.3

XXXXX

256191

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

33.03

33.03

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

256192

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

61.33

61.33

XXXXX

XXXXX

.0613

Desk Review

XXXXX

XXXXX

.0613

XXXXX

Excellent

XXXXX

2.7

XXXXX

256195

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1025 Small Residential Income Report

XXXXX

80.0

80.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

256564

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1073 Individual Condo Report

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1.8

XXXXX

256565

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

-.0342

Desk Review

XXXXX

XXXXX

-.0342

XXXXX

Low

XXXXX

1.6

XXXXX

256566

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

256567

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

52.26

52.26

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

256568

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

55.56

55.56

XXXXX

XXXXX

-.0110

Desk Review

XXXXX

XXXXX

-.0110

XXXXX

Reasonable

XXXXX

1

XXXXX

256830

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

43.23

43.23

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1.6

XXXXX

256832

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

55.0

55.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

256833

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

67.86

67.86

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Moderate Risk

XXXXX

1

XXXXX

256834

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

63.4

63.4

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

2

XXXXX

259162

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low

XXXXX

4.8

XXXXX

259164

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low

XXXXX

2.7

XXXXX

259165

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low Risk

XXXXX

1

XXXXX

259166

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

259167

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1073 Individual Condo Report

XXXXX

60.0

60.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

3.1

XXXXX

259168

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low Risk

XXXXX

1

XXXXX

259169

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1073 Individual Condo Report

XXXXX

75.0

75.0

XXXXX

XXXXX

-.1724

Desk Review

XXXXX

XXXXX

-.1724

XXXXX

High

XXXXX

1

XXXXX

259171

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

259172

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

67.0

67.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

259173

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

48.54

48.54

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1.7

XXXXX

259174

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1073 Individual Condo Report

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low Risk

XXXXX

1

XXXXX

259175

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

80.0

80.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low Risk

XXXXX

1

XXXXX

261352

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

2.4

XXXXX

261354

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

60.0

60.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low Risk

XXXXX

1

XXXXX

261355

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

42.96

42.96

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

2.1

XXXXX

261357

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

261358

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

73.16

73.16

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low Risk

XXXXX

1.3

XXXXX

261359

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low

XXXXX

2.1

XXXXX

261360

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

80.0

80.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

261952

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

56.93

56.93

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low Risk

XXXXX

1

XXXXX

261953

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

69.84

69.84

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low

XXXXX

1

XXXXX

261955

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1025 Small Residential Income Report

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

261956

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1073 Individual Condo Report

XXXXX

59.35

59.35

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

2.3

XXXXX

262632

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1025 Small Residential Income Report

XXXXX

61.82

61.82

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low Risk

XXXXX

262633

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1073 Individual Condo Report

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

262634

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

262635

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

262636

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1025 Small Residential Income Report

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

262637

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1025 Small Residential Income Report

XXXXX

54.25

54.25

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

262638

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

60.0

60.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1.1

XXXXX

262639

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1.3

XXXXX

262640

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

262641

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

58.58

58.58

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1.7

XXXXX

262642

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1025 Small Residential Income Report

XXXXX

60.0

60.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low

XXXXX

263149

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

45.06

45.06

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

263150

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

74.2

74.2

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

2.9

XXXXX

263152

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

50.0

50.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Moderate

XXXXX

1

XXXXX

263153

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

53.03

53.03

XXXXX

XXXXX

.0000

2000 One Unit Appraisal Field Review

XXXXX

XXXXX

.0000

XXXXX

XXXXX

3.5

XXXXX

263154

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

60.0

60.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

263155

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

69.96

69.96

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

2.7

XXXXX

263156

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low Risk

XXXXX

1

XXXXX

263157

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1073 Individual Condo Report

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

264755

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1025 Small Residential Income Report

XXXXX

60.0

60.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

264756

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1073 Individual Condo Report

XXXXX

54.55

54.55

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

Eligible

1

XXXXX

264758

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

-.0125

Desk Review

XXXXX

XXXXX

-.0125

XXXXX

Reasonable

XXXXX

1

XXXXX

264759

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1073 Individual Condo Report

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Moderate

XXXXX

3.2

XXXXX

264760

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1.9

XXXXX

264761

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low

XXXXX

1.3

XXXXX

264762

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

54.99

54.99

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

264763

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

3.1

XXXXX

264764

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

41.67

41.67

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

264765

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

264766

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low Risk

XXXXX

1

XXXXX

264767

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low

XXXXX

1

XXXXX

265799

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1.7

XXXXX

265801

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

61.63

61.63

XXXXX

XXXXX

-.0349

Desk Review

XXXXX

XXXXX

-.0349

XXXXX

Moderate

XXXXX

2.2

XXXXX

265802

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

60.0

60.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

265803

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

80.0

80.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low Risk

XXXXX

2.5

XXXXX

265804

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

54.96

54.96

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

2.2

XXXXX

265805

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

2.4

XXXXX

266299

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

45.65

45.65

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Moderate

XXXXX

1

XXXXX

266300

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

51.25

51.25

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low Risk

XXXXX

1.5

XXXXX

266301

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

50.0

50.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

266302

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1025 Small Residential Income Report

XXXXX

38.97

38.97

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

266303

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

60.93

60.93

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

2.2

XXXXX

266305

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Moderate

XXXXX

2.6

XXXXX

266306

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

60.23

60.23

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

266307

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

52.22

52.22

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1.1

XXXXX

266308

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1.9

XXXXX

266309

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

266310

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0142

Desk Review

XXXXX

XXXXX

.0142

XXXXX

Reasonable

XXXXX

1

XXXXX

266760

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

80.0

80.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

3.9

XXXXX

266761

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

55.56

55.56

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

266762

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1073 Individual Condo Report

XXXXX

56.48

56.48

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

266763

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

80.0

80.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

267142

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1025 Small Residential Income Report

XXXXX

80.0

80.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

267143

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1025 Small Residential Income Report

XXXXX

59.39

59.39

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

267144

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

80.0

80.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1.3

XXXXX

267145

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

53.44

53.44

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

267146

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1025 Small Residential Income Report

XXXXX

80.0

80.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

267147

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

64.18

64.18

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1.6

XXXXX

267148

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

67.42

67.42

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

267149

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

80.0

80.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

267150

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

49.09

49.09

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

267151

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

31.25

31.25

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low Risk

XXXXX

3.7

XXXXX

267152

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

68.34

68.34

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

2.6

XXXXX

267559

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1025 Small Residential Income Report

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Moderate

XXXXX

267560

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

60.0

60.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

267561

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

2.5

XXXXX

267562

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

267563

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

-.0551

Desk Review

XXXXX

XXXXX

-.0551

XXXXX

Reasonable

XXXXX

1.9

XXXXX

267564

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1.5

XXXXX

267565

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low Risk

XXXXX

2.6

XXXXX

267566

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

33.33

33.33

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

Eligible

1

XXXXX

267932

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1.2

XXXXX

267933

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

50.0

50.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Moderate

XXXXX

1

XXXXX

267934

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

57.98

57.98

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

4.5

XXXXX

267935

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

2.3

XXXXX

267936

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1073 Individual Condo Report

XXXXX

58.24

58.24

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

267937

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

52.82

52.82

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

267938

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low Risk

XXXXX

1

XXXXX

267939

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1073 Individual Condo Report

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Reasonable

XXXXX

1

XXXXX

267940

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

60.0

60.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

268130

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

64.95

64.95

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low Risk

XXXXX

1

XXXXX

268392

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

80.0

80.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

3.5

XXXXX

268393

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

60.0

60.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

268394

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

71.99

71.99

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

268395

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

51.5

51.5

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low

XXXXX

3.5

XXXXX

268396

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

59.08

59.08

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

2.6

XXXXX

268397

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

80.0

80.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

268398

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

268399

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

73.02

73.02

XXXXX

XXXXX

-.0175

Desk Review

XXXXX

XXXXX

-.0175

XXXXX

Reasonable

XXXXX

1

XXXXX

269054

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

269055

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

80.0

80.0

XXXXX

XXXXX

.0400

Desk Review

XXXXX

XXXXX

.0400

XXXXX

Excellent

XXXXX

1

XXXXX

269056

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

55.0

55.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

269057

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

23.26

23.26

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

2

XXXXX

Eligible

1

XXXXX

269058

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1073 Individual Condo Report

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1.3

XXXXX

269059

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0417

Desk Review

XXXXX

XXXXX

.0417

XXXXX

Reasonable

XXXXX

1

XXXXX

269060

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

2.3

XXXXX

269061

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

80.0

80.0

XXXXX

XXXXX

-.0459

Desk Review

XXXXX

XXXXX

-.0459

XXXXX

Moderate Risk

XXXXX

1

XXXXX

269062

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1025 Small Residential Income Report

XXXXX

80.0

80.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

269063

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1.8

XXXXX

269064

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

60.0

60.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

3

XXXXX

269065

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

80.0

80.0

XXXXX

XXXXX

-.0315

1004 URAR

XXXXX

XXXXX

-.0315

XXXXX

1004 URAR

3.6

XXXXX

269066

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

269552

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1025 Small Residential Income Report

XXXXX

55.56

55.56

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

269554

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

63.03

63.03

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

3.2

XXXXX

269555

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

54.19

54.19

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

2.9

XXXXX

269556

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

80.0

80.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1.4

XXXXX

269557

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

269558

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

80.0

80.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1.6

XXXXX

269559

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

74.74

74.74

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

269560

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

270707

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

270708

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

60.0

60.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

2.6

XXXXX

270709

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

50.0

50.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

270710

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1025 Small Residential Income Report

XXXXX

59.18

59.18

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

270711

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

57.24

57.24

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

4.5

XXXXX

270712

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

14.72

14.72

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

270713

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1073 Individual Condo Report

XXXXX

64.37

64.37

XXXXX

XXXXX

-.0230

Desk Review

XXXXX

XXXXX

-.0230

XXXXX

Reasonable

XXXXX

1.8

XXXXX

270714

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1073 Individual Condo Report

XXXXX

58.06

58.06

XXXXX

XXXXX

-.1250

Desk Review

XXXXX

XXXXX

-.1250

XXXXX

High

XXXXX

4.5

XXXXX

270715

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

59.94

59.94

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1.5

XXXXX

270716

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

60.0

60.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

270717

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1073 Individual Condo Report

XXXXX

55.0

55.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

2.5

XXXXX

270718

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

59.45

59.45

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

2.6

XXXXX

271077

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

57.14

57.14

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

271078

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

80.0

80.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

271079

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.98

70.98

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Moderate

XXXXX

3.9

XXXXX

271080

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

80.0

80.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

271081

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1025 Small Residential Income Report

XXXXX

80.0

80.0

XXXXX

XXXXX

-.0678

Desk Review

XXXXX

XXXXX

-.0678

XXXXX

Reasonable

XXXXX

271082

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

18.57

18.57

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

271083

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low Risk

XXXXX

5

XXXXX

271084

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0211

Desk Review

XXXXX

XXXXX

.0211

XXXXX

Reasonable

XXXXX

2

XXXXX

271085

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1.2

XXXXX

272019

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1025 Small Residential Income Report

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low Risk

XXXXX

272020

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

55.34

55.34

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

2.6

XXXXX

272021

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

64.17

64.17

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low Risk

XXXXX

2

XXXXX

272022

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

60.0

60.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low

XXXXX

1

XXXXX

272023

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

80.0

80.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

272024

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1073 Individual Condo Report

XXXXX

54.17

54.17

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

272025

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1025 Small Residential Income Report

XXXXX

80.0

80.0

XXXXX

XXXXX

.0000

2000 One Unit Appraisal Field Review

XXXXX

XXXXX

.0000

XXXXX

XXXXX

272026

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

80.0

80.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1.5

XXXXX

272027

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

68.06

68.06

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1.8

XXXXX

272392

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

55.0

55.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

2.2

XXXXX

272393

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

66.9

66.9

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

272394

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

80.0

80.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

272395

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

272396

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

272397

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

43.42

43.42

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Moderate Risk

XXXXX

1.9

XXXXX

272398

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

60.0

60.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

272682

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1073 Individual Condo Report

XXXXX

44.43

44.43

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

272683

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

XXXXX

XXXXX

.0000

XXXXX

XXXXX

1.3

XXXXX

272684

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

272685

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

272686

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1073 Individual Condo Report

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

2.1

XXXXX

272687

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1073 Individual Condo Report

XXXXX

65.0

65.0

XXXXX

XXXXX

-.0870

Desk Review

XXXXX

XXXXX

-.0870

XXXXX

Moderate Risk

XXXXX

1

XXXXX

272688

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

66.0

66.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

272689

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

56.25

56.25

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

273277

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1025 Small Residential Income Report

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

273278

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

74.65

74.65

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

273279

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

273280

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

273281

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1073 Individual Condo Report

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

273282

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

80.0

80.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

2.8

XXXXX

273283

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low Risk

XXXXX

2

XXXXX

273284

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1025 Small Residential Income Report

XXXXX

80.0

80.0

XXXXX

XXXXX

-.0667

Desk Review

XXXXX

XXXXX

-.0667

XXXXX

Reasonable

XXXXX

273285

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1025 Small Residential Income Report

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

273286

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

69.03

69.03

XXXXX

XXXXX

-.0582

Desk Review

XXXXX

XXXXX

-.0582

XXXXX

Reasonable

XXXXX

1.7

XXXXX

273287

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1073 Individual Condo Report

XXXXX

55.0

55.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

273288

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

80.0

80.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1.3

XXXXX

273289

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1073 Individual Condo Report

XXXXX

55.0

55.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

273290

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

50.34

50.34

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1.6

XXXXX

273291

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1.9

XXXXX

273292

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

55.56

55.56

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

273293

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

64.95

64.95

XXXXX

XXXXX

-.0980

Desk Review

XXXXX

XXXXX

-.0980

XXXXX

Reasonable

XXXXX

2.6

XXXXX

273822

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1025 Small Residential Income Report

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

273823

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

66.23

66.23

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1.2

XXXXX

273824

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

-.0625

Desk Review

XXXXX

XXXXX

-.0625

XXXXX

Reasonable

XXXXX

2.8

XXXXX

273825

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

41.52

41.52

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

273826

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

60.0

60.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1.5

XXXXX

273827

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

273828

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

273829

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

273830

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

69.47

69.47

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

273831

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

60.0

60.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

273832

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1073 Individual Condo Report

XXXXX

55.0

55.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

273833

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

59.22

59.22

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low

XXXXX

1.6

XXXXX

273834

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

273835

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

49.04

49.04

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low

XXXXX

1

XXXXX

274561

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1025 Small Residential Income Report

XXXXX

71.67

71.67

XXXXX

XXXXX

-.0952

Desk Review

XXXXX

XXXXX

-.0952

XXXXX

Reasonable

XXXXX

274562

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

63.0

63.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

274563

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

72.84

72.84

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1.7

XXXXX

274564

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

64.29

64.29

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

274565

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

274566

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1.2

XXXXX

274567

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

80.0

80.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

5

XXXXX

274568

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

60.0

60.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low

XXXXX

1

XXXXX

274569

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

44.06

44.06

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1.5

XXXXX

277125

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1073 Individual Condo Report

XXXXX

31.71

31.71

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

277126

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1025 Small Residential Income Report

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

277127

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1025 Small Residential Income Report

XXXXX

50.94

50.94

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

277128

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

277129

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

277130

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

58.7

58.7

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

277131

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

277132

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

44.9

44.9

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1.2

XXXXX

277133

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

277134

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

277791

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

69.49

69.49

XXXXX

XXXXX

.0000

2000 One Unit Appraisal Field Review

XXXXX

XXXXX

.0000

XXXXX

XXXXX

3.8

XXXXX

277792

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

4.5

XXXXX

277793

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

78.95

78.95

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

3.4

XXXXX

277794

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

55.04

55.04

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

277795

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

63.21

63.21

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

3.9

XXXXX

277796

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

277797

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

80.0

80.0

XXXXX

XXXXX

-.0211

Desk Review

XXXXX

XXXXX

-.0211

XXXXX

Reasonable

XXXXX

1

XXXXX

277798

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low

XXXXX

1

XXXXX

277799

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

277800

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1.8

XXXXX

277801

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

38.56

38.56

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

277802

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

54.61

54.61

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low

XXXXX

1

XXXXX

277803

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

59.63

59.63

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

278426

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

58.3

58.3

XXXXX

XXXXX

-.0471

Desk Review

XXXXX

XXXXX

-.0471

XXXXX

Reasonable

XXXXX

1

XXXXX

278428

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

62.81

62.81

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1.9

XXXXX

278429

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

278430

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1073 Individual Condo Report

XXXXX

80.0

80.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

2.4

XXXXX

278431

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

46.4

46.4

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

278432

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

2.6

XXXXX

278433

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

71.0

71.0

XXXXX

XXXXX

-.0846

Desk Review

XXXXX

XXXXX

-.0846

XXXXX

Reasonable

XXXXX

4.1

XXXXX

278434

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

2.6

XXXXX

278435

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low

XXXXX

1.1

XXXXX

278436

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low

XXXXX

278437

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

2.6

XXXXX

278438

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1073 Individual Condo Report

XXXXX

80.0

80.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1.3

XXXXX

278439

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

2.9

XXXXX

278440

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1025 Small Residential Income Report

XXXXX

80.0

80.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

278441

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1.4

XXXXX

278442

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1025 Small Residential Income Report

XXXXX

57.86

57.86

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

278443

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

3

XXXXX

278444

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

-.0152

Desk Review

XXXXX

XXXXX

-.0152

XXXXX

Reasonable

XXXXX

1

XXXXX

278445

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

80.0

80.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

278446

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

3.2

XXXXX

278447

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

48.72

48.72

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

3

XXXXX

278448

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

278449

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

51.32

51.32

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low

XXXXX

1

XXXXX

278450

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

2.2

XXXXX

278451

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

46.74

46.74

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

278452

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

50.0

50.0

XXXXX

XXXXX

-.0648

Desk Review

XXXXX

XXXXX

-.0648

XXXXX

Reasonable

XXXXX

2.2

XXXXX

278453

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

2.2

XXXXX

278454

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low

XXXXX

2.6

XXXXX

278455

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

80.0

80.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low

XXXXX

1

XXXXX

278456

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

58.61

58.61

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

2.6

XXXXX

278457

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

69.77

69.77

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1.0

XXXXX

279174

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

279175

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1.6

XXXXX

279176

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

Eligible

279178

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

55.0

55.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

279179

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

80.0

80.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1.7

XXXXX

279180

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

74.95

74.95

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

279181

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

59.14

59.14

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

2.6

XXXXX

279183

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

279185

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

19.35

19.35

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1.1

XXXXX

279188

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

74.24

74.24

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

2

XXXXX

Eligible

1

XXXXX

279232

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Moderate

XXXXX

3.1

XXXXX

279740

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1073 Individual Condo Report

XXXXX

59.95

59.95

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

279741

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

69.54

69.54

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1.2

XXXXX

279742

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

35.29

35.29

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

279745

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

74.7

74.7

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low

XXXXX

1

XXXXX

279747

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1073 Individual Condo Report

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low

XXXXX

2.3

XXXXX

280639

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

2.5

XXXXX

280642

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

60.0

60.0

XXXXX

XXXXX

.0000

Collateral Underwriter (CU)

1

XXXXX

280644

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

65.0

65.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

1

XXXXX

280646

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

58.47

58.47

XXXXX

XXXXX

.0395

Desk Review

XXXXX

XXXXX

.0395

XXXXX

Reasonable

XXXXX

1

XXXXX

280649

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

2.6

XXXXX

281124

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

37.68

37.68

XXXXX

XXXXX

.0217

2000 One Unit Appraisal Field Review

XXXXX

XXXXX

.0217

XXXXX

XXXXX

1

XXXXX

281633

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

70.0

70.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Low

XXXXX

1

XXXXX

281641

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

XXXXX

1004 URAR

XXXXX

75.0

75.0

XXXXX

XXXXX

.0000

Desk Review

XXXXX

XXXXX

.0000

XXXXX

Excellent

XXXXX

4.6

XXXXX

EX-99.12

Exhibit 99.12

Redacted ID

Seller Loan ID

Investor Loan ID

Lender Application Date

Originator QM Status

Final QM Status

Originator QM Status Difference than Final QM Status?

Reason Why NonQM Final Status

APR Pricing Threshold Exceeded?

QM DTI Threshold Exceeded?

Higher Priced Mortgage Loan (HPML)?

Negatively Amortizing Loan?

Principal Deferment?

Interest Only Flag?

Prepayment Penalty?

Balloon Flag?

Adjustable Rate Balloon?

Loan Term Less Than 5 Years?

QM Points and Fees Threshold Exceeded?

QM Total Points and Fees

APR

ATR: Qualifying Payment Properly Considered?

ATR: Current Employment/Self-Employment Verified?

ATR: Balloon Qualifying Payment Properly Considered?

ATR: Reasonable Income or Assets Considered?

ATR: Subject PITIA Adequately Documented?

ATR: All Liabilities Including Alimony and Child Support in DTI?

ATR: Simultaneous Loan Calculated Properly

ATR: Credit History was Considered Properly?

ATR: Did Lender Document All ATR Factors?

ATR: Was an ATR/QM Residual Income Analysis Provided?

Residual Income

Residual Income Meets Guidelines?

Borrower 1 Employment Indicator

Borrower 2 Employment Indicator

Borrower 1 Foreign National Indicator

Borrower 2 Foreign National Indicator

Business Purpose Loan?

Business Purpose Verified?

216693

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

219305

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

N/A

N/A

N/A

Yes

N/A

N/A

No

Yes

Present

219306

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

220269

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

231006

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

231253

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

232375

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Present

232705

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

233107

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Unknown

No

Yes

Present

233485

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Yes

Present

233489

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

234161

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

234163

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

234776

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Yes

Present

236210

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

237958

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

237964

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

238302

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

238303

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

Yes

Yes

Present

239175

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

239176

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

239405

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

Not Employed

No

No

Yes

Present

239407

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

239409

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

Not Employed

No

No

Yes

Present

240197

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

No

No

No

No

No

No

No

No

No

12320

8.729

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

N/A

8723.72

N/A

Employed

No

No

240205

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

Not Employed

Yes

Yes

Yes

Present

240206

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

Not Employed

Yes

Yes

Yes

Present

240534

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

240543

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

Yes

Yes

Present

240853

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

Not Employed

Yes

Yes

Yes

Present

241183

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

241969

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

242219

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

242225

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

242227

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

Not Employed

Yes

Yes

Yes

Present

243205

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Present

243208

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

244157

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Present

244166

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

244398

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

244403

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

244407

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

244759

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Present

245160

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

245476

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

Yes

Yes

Present

245477

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

Yes

Yes

Present

245482

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

245483

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

247206

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

247208

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

247209

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

247213

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

247587

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

247590

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

247596

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

248311

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

248599

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

Yes

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

Not Employed

No

No

Yes

Present

248716

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

248941

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

Yes

Yes

Present

248944

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

248951

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

249845

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

249849

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

249850

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

249856

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

250222

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

250223

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

250228

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

250229

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

251393

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

251397

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

Yes

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

16558.49

N/A

Employed

Not Employed

No

No

Yes

Present

251399

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

251400

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

Yes

Yes

No

No

No

No

No

No

No

20495

8.57

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

N/A

8444.55

N/A

Employed

No

No

252124

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

252128

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

252130

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

252131

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

252350

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

252353

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

252354

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

252355

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

252769

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

252770

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

253142

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Present

253148

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

253371

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

253372

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

253379

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

No

No

No

No

No

No

No

No

Yes

8808.75

8.078

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

Yes

5972.58

N/A

Employed

No

No

253919

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

253923

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

253925

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

253926

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

254526

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

254529

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

254530

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

254531

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

15246.76

N/A

Employed

No

Yes

Present

254532

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

254533

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

No

Yes

No

No

No

No

No

No

Yes

10987.58

8.079

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

6042.34

Yes

Employed

Employed

No

No

No

254534

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

9410.5

N/A

Employed

No

Yes

Present

254845

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

254847

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

254848

XXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

No

APOR Threshold

Fail

No

Yes

No

No

No

No

No

No

No

12695

8.887

Yes

Yes

N/A

Yes

Yes

Yes

Yes

Yes

Yes

Yes

10335.69

N/A

Employed

No

No

255498

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

255500

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

No

Yes

No

No

No

No

No

No

Yes

5746.25

8.242

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

N/A

4490.9

N/A

Employed

No

No

255501

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Present

255502

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

N/A

11920.84

N/A

Employed

No

Yes

Present

255800

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

255802

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

255803

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

255804

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

255805

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

255806

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

255807

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

255808

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Present

255809

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

255810

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

256191

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

No

No

No

No

No

No

No

No

Yes

6545

7.925

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

N/A

9918.1

N/A

Employed

No

No

256192

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

256195

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

256564

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

256565

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

256566

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

256567

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

256568

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

13602.85

N/A

Employed

No

Yes

Present

256830

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

256832

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

256833

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

256834

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

259162

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

259164

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

259165

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

259166

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

16634.44

N/A

Employed

Yes

Yes

Present

259167

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

259168

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

Yes

N/A

Yes

Yes

N/A

N/A

Yes

N/A

N/A

5102.18

N/A

Employed

Yes

Yes

Present

259169

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

259171

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

N/A

41252.65

N/A

Employed

Yes

Yes

Present

259172

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

259173

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

259174

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

No

Yes

Present

259175

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

261352

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

N/A

51686.98

N/A

Employed

No

Yes

Present

261354

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

261355

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

261357

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

261358

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

261359

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

Yes

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

2836.95

N/A

Employed

No

Yes

Present

261360

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

261952

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

N/A

4437.06

N/A

Employed

Yes

Yes

Present

261953

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

261955

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

261956

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

262632

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

262633

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

262634

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

262635

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Yes

Present

262636

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

262637

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

262638

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Yes

Present

262639

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

Not Employed

Yes

Yes

Yes

Present

262640

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Present

262641

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

262642

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

Fail

No

No

No

No

Yes

No

No

No

9.807

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

263149

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

263150

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

263152

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

263153

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

No

Yes

Present

263154

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

263155

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

263156

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

263157

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

Yes

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

264755

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

264756

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

Yes

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

264758

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

264759

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

264760

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

264761

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

264762

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

264763

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

264764

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

264765

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

264766

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

264767

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

5052.03

N/A

Employed

Yes

Yes

Present

265799

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

Not Employed

No

No

Yes

Present

265801

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

Yes

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

265802

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

Yes

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

265803

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

265804

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

265805

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

266299

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

No

Yes

Present

266300

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Present

266301

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Yes

Present

266302

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

266303

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

266305

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

6207.09

N/A

Employed

No

Yes

Present

266306

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

266307

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

No

Yes

Present

266308

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

266309

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Present

266310

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

266760

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

No

Yes

No

No

No

No

No

No

No

14720

8.162

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

36403.84

N/A

Employed

No

No

266761

XXXXX

QM: Safe Harbor (SH)

QM: Safe Harbor (SH)

No

Pass

No

No

No

No

No

No

No

No

Yes

9407.5

7.712

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

3448.44

N/A

Employed

No

No

266762

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

Yes

No

No

No

No

No

No

No

No

11232.5

7.882

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

N/A

8820.37

N/A

Employed

No

No

266763

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

No

Yes

Present

267142

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

267143

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

No

Yes

Present

267144

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

267145

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

267146

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

267147

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

267148

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

267149

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

267150

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

No

Yes

Present

267151

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

267152

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

267559

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

267560

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Present

267561

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

267562

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

No

Yes

Present

267563

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Yes

Present

267564

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

267565

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

267566

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

267932

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Present

267933

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Yes

Present

267934

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

267935

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

267936

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

267937

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

Yes

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

No

Yes

Present

267938

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

267939

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

267940

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

268130

XXXXX

QM: Safe Harbor (SH)

QM: Safe Harbor (SH)

No

Pass

No

No

No

No

No

No

No

No

No

6695

7.552

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

N/A

5985.96

N/A

Employed

No

No

268392

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

268393

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

268394

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

268395

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

Yes

No

No

No

No

No

No

No

No

8795

7.263

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

6214.67

N/A

Employed

No

No

268396

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

268397

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

268398

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

Yes

Yes

No

No

No

No

No

No

Yes

8626.7

8.168

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

N/A

3098.97

N/A

Employed

No

No

268399

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

269054

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

269055

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

269056

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

269057

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

269058

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

269059

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

269060

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Present

269061

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

269062

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

No

Yes

Present

269063

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

269064

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

No

Yes

Present

269065

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

269066

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

269552

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

269554

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Present

269555

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

Yes

No

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

No

Yes

Present

269556

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

269557

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

269558

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

269559

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

269560

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

270707

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Yes

Present

270708

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

270709

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

6229.53

N/A

Employed

No

Yes

Present

270710

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

Yes

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

No

Yes

Present

270711

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

270712

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

No

Yes

Present

270713

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

270714

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

270715

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

270716

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

270717

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

Yes

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

5111.04

N/A

Employed

Yes

Yes

Present

270718

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

271077

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

271078

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

271079

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

271080

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

271081

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

No

Yes

Present

271082

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

271083

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

271084

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

271085

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

272019

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

No

Yes

Present

272020

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

272021

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

272022

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Present

272023

XXXXX

QM: Rebuttable Presumption (APOR)

QM: Rebuttable Presumption (APOR)

No

Pass

Yes

No

No

No

No

No

No

No

No

10325

8.541

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

9395.27

N/A

Employed

Employed

No

No

No

272024

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

272025

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

272026

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

272027

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

272392

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

30218.15

N/A

Employed

Yes

Yes

Present

272393

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

272394

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

272395

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

Yes

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

9769.9

N/A

Employed

No

Yes

Present

272396

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

Yes

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

272397

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

272398

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

Not Employed

No

No

Yes

Present

272682

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Present

272683

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

272684

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

272685

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

272686

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Present

272687

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

272688

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

272689

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

273277

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

273278

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

273279

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

273280

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Present

273281

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

20609.13

Yes

Employed

Not Employed

Yes

Yes

Yes

Present

273282

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

No

No

No

No

No

No

No

No

No

28345

8.143

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

19812.81

N/A

Employed

No

No

273283

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

273284

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

273285

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

273286

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

273287

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

59479.99

N/A

Employed

Not Employed

Yes

Yes

Yes

Present

273288

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

No

No

No

No

No

No

No

No

No

7195

7.698

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

4814.28

Yes

Employed

No

No

273289

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

59480.17

Yes

Employed

Not Employed

Yes

Yes

Yes

Present

273290

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

273291

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

273292

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

273293

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

No

Yes

Present

273822

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

273823

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

273824

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Present

273825

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

273826

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

No

No

No

No

No

No

No

No

No

2868

7.703

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

7011.93

N/A

Employed

No

No

273827

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

273828

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

273829

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

273830

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

No

Yes

Present

273831

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

273832

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

59510.33

Yes

Employed

Not Employed

Yes

Yes

Yes

Present

273833

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

273834

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

273835

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Present

274561

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

274562

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

274563

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

274564

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

274565

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

274566

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

274567

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

274568

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

274569

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

Not Employed

Yes

Yes

Yes

Present

277125

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Yes

Present

277126

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

277127

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

No

Yes

Present

277128

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

277129

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

277130

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

277131

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

No

No

No

No

No

No

No

No

No

8290

7.733

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

7304.69

N/A

Employed

No

No

277132

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

No

No

No

No

No

No

No

No

No

29095

7.41

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

28455.58

N/A

Employed

No

No

277133

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

4601.31

N/A

Employed

No

Yes

Present

277134

XXXXX

QM: Safe Harbor (SH)

QM: Safe Harbor (SH)

No

Pass

No

No

No

No

No

No

No

No

No

12060

7.873

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

12023.69

N/A

Employed

No

No

277791

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

277792

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

15106.62

N/A

Employed

Yes

Yes

Present

277793

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

No

No

No

No

No

No

No

No

No

24545

8.076

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

44873.79

N/A

Employed

No

No

277794

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

277795

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

277796

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

277797

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

277798

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

277799

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

277800

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

277801

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

277802

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

277803

XXXXX

QM: Safe Harbor (SH)

QM: Safe Harbor (SH)

No

Pass

No

No

No

No

No

No

No

No

Yes

8745

7.884

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

7930.98

N/A

Employed

No

No

278426

XXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

No

APOR Threshold

Fail

No

Yes

No

No

No

No

No

No

Yes

8568.8

9.142

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

4464.94

N/A

Employed

No

No

278428

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

278429

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

278430

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

No

Yes

No

No

No

No

No

No

Yes

9198.2

9.016

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

4784.2

N/A

Employed

No

No

278431

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

278432

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

35861.01

N/A

Employed

No

Yes

Present

278433

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

278434

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

Yes

No

No

No

No

No

No

No

Yes

61705.78

8.149

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

26249.08

N/A

Employed

No

No

278435

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Present

278436

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

278437

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

278438

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

No

No

No

No

No

No

No

No

Yes

18795.72

8.234

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

13086.24

N/A

Employed

No

No

278439

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

278440

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

278441

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

278442

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

Yes

No

No

No

No

No

No

No

No

9095

7.163

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

6437.47

N/A

Employed

No

No

278443

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

278444

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

5388.23

N/A

Employed

No

Yes

Present

278445

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

Yes

No

No

No

No

No

No

No

Yes

8935.48

7.98

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

N/A

5594.68

N/A

Employed

No

No

278446

XXXXX

Non-QM: Lender documented all ATR UW factors

QM: Safe Harbor (SH)

Yes

Pass

Yes

No

No

No

No

No

No

No

Yes

11445.63

7.465

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

4214.28

N/A

Employed

No

No

278447

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

278448

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

278449

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Present

278450

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

278451

XXXXX

QM: Safe Harbor (SH)

QM: Safe Harbor (SH)

No

Pass

Yes

No

No

No

No

No

No

No

No

10310

7.422

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

N/A

5715.73

N/A

Employed

No

No

278452

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

278453

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

278454

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

278455

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

7171.02

N/A

Employed

No

Yes

Present

278456

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

10073.88

N/A

Employed

Yes

Yes

Present

278457

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

279174

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

12859.79

N/A

Employed

No

Yes

Present

279175

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

279176

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

Yes

No

No

No

No

No

No

No

Yes

6320

8.04

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

3758.69

Yes

Employed

No

No

279178

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Present

279179

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

Yes

No

No

No

No

No

No

No

Yes

12725.22

7.272

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

4483.77

N/A

Employed

No

No

279180

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

No

Yes

Present

279181

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

No

Yes

No

No

No

No

No

No

No

5720

8.365

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

N/A

38562.54

N/A

Employed

No

No

279183

XXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

No

APOR Threshold

Fail

No

Yes

No

No

No

No

No

No

Yes

9069.4

10.116

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

9373.56

N/A

Not Employed

No

No

279185

XXXXX

Non-QM: Lender documented all ATR UW factors

QM: Safe Harbor (SH)

Yes

Pass

No

No

No

No

No

No

No

No

Yes

9095

8.068

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

52672.31

N/A

Employed

No

No

279188

XXXXX

Non-QM: Lender documented all ATR UW factors

QM: Rebuttable Presumption (APOR)

Yes

Pass

Yes

Yes

No

No

No

No

No

No

Yes

14664.6

8.748

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

N/A

3952.73

N/A

Employed

No

No

279232

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

No

No

No

No

No

No

No

No

No

15304.7

7.636

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

N/A

16628.32

N/A

Employed

No

No

279740

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

Yes

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

279741

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

Yes

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

22025.72

N/A

Employed

No

Yes

Present

279742

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

Yes

No

No

No

No

No

No

No

No

6905

7.88

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

N/A

6447.08

N/A

Employed

No

No

279745

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

No

No

No

No

No

No

No

No

No

13995

7.753

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

8021.07

N/A

Employed

No

No

279747

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

Yes

No

No

No

No

No

No

No

No

48495

8.216

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

44527.63

N/A

Employed

No

No

280639

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

N/A

55257.83

N/A

Employed

No

Yes

Present

280642

XXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

No

APOR Threshold

Pass

Yes

No

No

No

No

No

No

No

Yes

28790

7.576

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

N/A

9079.23

N/A

Employed

No

No

280644

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

No

No

No

No

No

No

No

No

Yes

28895

7.615

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

N/A

32226.08

N/A

Not Employed

Employed

No

No

No

280646

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

280649

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

No

No

No

No

No

No

No

No

No

14755

7.413

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

N/A

28776.32

N/A

Employed

No

No

281124

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

No

No

No

No

No

No

No

No

No

14190

7.056

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

N/A

73229.57

N/A

Employed

No

No

281633

XXXXX

Non-QM: Lender documented all ATR UW factors

QM: Rebuttable Presumption (APOR)

Yes

Pass

No

Yes

No

No

No

No

No

No

Yes

20845

8.841

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

N/A

11277.4

N/A

Employed

No

No

281641

XXXXX

QM: Safe Harbor (SH)

QM: Safe Harbor (SH)

No

Pass

Yes

No

No

No

No

No

No

No

No

12418.44

8.594

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

N/A

8729.09

N/A

Employed

No

No

EX-99.13

Exhibit 99.13

Loan ID	Seller Loan ID	Investor Loan ID	Transaction ID	Field Name	Source	Verified Value	Bid Tape Value	Comment
279747			XXXXX	Property Type	propertyValuationPage	Condominium High Rise	Condominium	Per Appraisal
278438			XXXXX	Borrower 1 Self-Employment Flag	employmentIncomePage	Yes	No	per 1008 both S/e and Wage Earner
277796			XXXXX	Property Type	propertyValuationPage	Townhouse	PUD	per Appraisal
277794			XXXXX	Property Type	propertyValuationPage	Townhouse	PUD	Per Appraisal.
277131			XXXXX	Qualifying Housing Debt Income Ratio	diligenceFinalLookPage	32.22	35.25	housing/income
274569			XXXXX	Property Type	propertyValuationPage	Townhouse	PUD	Per appraisal
274566			XXXXX	Property Type	propertyValuationPage	Townhouse	PUD	Per Appraisal
274565			XXXXX	Property Type	propertyValuationPage	Townhouse	Single Family Attached	Per Appraisal
273823			XXXXX	Qualifying CLTV	propertyValuationPage	66.23	65.00	Sales Price reduced by Interested party contribution overage
273823			XXXXX	Qualifying LTV	propertyValuationPage	66.23	65.00	Sales Price reduced by Interested party contribution overage
273823			XXXXX	Sales Price	propertyValuationPage	XXXXX	XXXXX	Sales Price reduced by Interested party contribution overage
273289			XXXXX	Property Type	propertyValuationPage	Condominium High Rise	Condominium	Per Appraisal.
273287			XXXXX	Property Type	propertyValuationPage	Condominium High Rise	Condominium	Per appraisal
273281			XXXXX	Property Type	propertyValuationPage	Condominium High Rise	Condominium	Per Appraisal.
272688			XXXXX	Borrower 1 Birthdate	the1003Page	XXXXX	XXXXX	Per Final 1003
272686			XXXXX	Borrower 1 FTHB	the1003Page	false	Y	Investment loan
272683			XXXXX	Primary Appraised Property Value	propertyValuationPage	XXXXX	XXXXX	per appraisal
272682			XXXXX	Property Type	propertyValuationPage	Condominium High Rise	Condominium	per appraisal
272398			XXXXX	Property Type	propertyValuationPage	Single Family Attached	Single Family Detached	From appraisal report
272396			XXXXX	Calculated DSCR	diligenceFinalLookPage	1.01	1.00	rounding
272392			XXXXX	Property Type	propertyValuationPage	Townhouse	PUD	Per Appraisal
272022			XXXXX	Property Type	propertyValuationPage	Townhouse	PUD	Per Appraisal
271082			XXXXX	Cash Disbursement Date	closingDetailsNonCompliancePage	XXXXX	XXXXX	Per Final CD
271077			XXXXX	Cash Disbursement Date	closingDetailsNonCompliancePage	XXXXX	XXXXX	Per Final CD
263154			XXXXX	Property Type	propertyValuationPage	Townhouse	PUD	Per Appraisal and Legal
262640			XXXXX	Property Type	propertyValuationPage	Townhouse	PUD	Per Appraisal.
259169			XXXXX	Underwriting Guideline Name	businessPurposeApprovalandGuidelinePage	XXXXX_Investor Advantage_2.13.2024	XXXXX Guideline (02/13/2024)
255498			XXXXX	Underwriting Guideline Name	businessPurposeApprovalandGuidelinePage	XXXXX_Investor Advantage_1.22.2024	XXXXX Guideline (01/22/2024)
252350			XXXXX	Underwriting Guideline Name	businessPurposeApprovalandGuidelinePage	XXXXX_Investor Plus_1.12.2024	XXXXX Guideline (01/12/2024)
248716			XXXXX	Property Type	propertyValuationPage	Townhouse	PUD	Per Appraisal
248599			XXXXX	Underwriting Guideline Name	businessPurposeApprovalandGuidelinePage	XXXXX_Investor Plus_1.12.2024	XXXXX Guideline (01/12/2024)
242227			XXXXX	Underwriting Guideline Name	businessPurposeApprovalandGuidelinePage	XXXXX_Investor Plus_11.29.2023	XXXXX Guideline (12/29/2023)
241969			XXXXX	Underwriting Guideline Name	businessPurposeApprovalandGuidelinePage	XXXXX_Investor Plus_11.29.2023	XXXXX Guideline (12/29/2023)
241183			XXXXX	Underwriting Guideline Name	businessPurposeApprovalandGuidelinePage	XXXXX_Investor Plus_12.18.2023	XXXXX Guideline (12/18/2023)
240853			XXXXX	Underwriting Guideline Name	businessPurposeApprovalandGuidelinePage	XXXXX_Investor Plus_12.29.2023	XXXXX Guideline (12/29/2023)
240543			XXXXX	Underwriting Guideline Name	businessPurposeApprovalandGuidelinePage	XXXXX_Investor Plus_12.18.2023	XXXXX Guideline (12/18/2023)
240534			XXXXX	Underwriting Guideline Name	businessPurposeApprovalandGuidelinePage	XXXXX_Investor Plus_12.06.2023	XXXXX Guideline (12/06/2023)
240206			XXXXX	Underwriting Guideline Name	businessPurposeApprovalandGuidelinePage	XXXXX_Investor Plus_11.29.2023	XXXXX Guideline (12/18/2023)
237958			XXXXX	Underwriting Guideline Name	businessPurposeApprovalandGuidelinePage	XXXXX_Investor Plus_11.29.2023	XXXXX Guideline (11/29/2023)
234776			XXXXX	Underwriting Guideline Name	businessPurposeApprovalandGuidelinePage	XXXXX_Investor Advantage_12.06.2023	XXXXX Guideline (12/06/2023)
233489			XXXXX	Underwriting Guideline Name	businessPurposeApprovalandGuidelinePage	XXXXX_Investor Plus_12.06.2023	XXXXX Guideline (12/06/2023)