EX-99.25 26 ex99-25.htm CLARIFII SUPPLEMENTAL DATA REPORT

 

EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.25

 

Loan ID Seller Loan ID Redaction ID Loan Program Guideline Product Name Originator Name Originating Entity CDFI Flag Guideline Name Guideline Author Guideline Date Guideline Version Application Date TILA Status TRID GSE Verified Safe Harbor Flag Verified Safe Harbor Reference Document QM Regulation Failures ATR QM Total Points and Fees Audit Loan Regulation Benchmark Date Benchmark Rate AUS Decision System Rating Result Property Inspection Waiver (PIW) Calculated APR HUD 1 Page 1 Credits Total Verified Qualifying Rate Originator Qualifying Rate Qualifying P&I Default Interest Rate Present Default Interest Rate Annual Property Tax Monthly Property Tax Annual Insurance Costs Monthly Insurance Cost Annual HOA Costs Monthly HOA Costs Monthly Other Costs PITIA Residual Income HOA Questionnaire Flag HOA Name HOA Address State HOA Fee Amount HOA Next Due Date HOA Payment Frequency Originator DTI TPR Verified DTI QM DTI Is Borrower Non Occupant Is Co Borrower Non Occupant Co Borrower 2 Asset Verification Level Co Borrower 3 Asset Verification Level Co Borrower 2 Income Verification Level Co Borrower 3 Income Verification Level Co Borrower 2 Employment Verification Level Co Borrower 3 Employment Verification Level Borrower Employment Indicator Co Borrower Employment Indicator Co Borrower 2 Employment Indicator Co Borrower 3 Employment Indicator Co Borrower 2 Length of Employment Co Borrower 3 Length of Employment Document Level Borrower Years of W2s/1099 CoBorrower Years of W2s/1099 Borrower Months of Paystubs Verified Co Borrower Months of Paystubs Verified Borrower Employment Gap Letter Borrower Months of Employment Gap Co Borrower Employment Gap Letter Co Borrower Months of Employment Gap Borrower Years of Personal Tax Returns Borrower Years of Business Tax Returns CoBorrower Years of Personal Tax Returns CoBorrower Years of Business Tax Returns Years of 4506T Years of Tax Transcripts Borrower Award/Offer Letter Co Borrower Award/Offer Letter Asset Depletion Flag Partial Asset Depletion Flag Asset Depletion Months Amortized Asset Utilization Flag (No DTI) Borrower Bank Statements Flag Borrower Bank Statement Summary/Lender Worksheet Borrower Number of Personal Bank Statements Borrower Number of Business Bank Statements CoBorrower Bank Statements Flag Co Borrower Bank Statement Summary/Lender Worksheet CoBorrower Number of Personal Bank Statements CoBorrower Number of Business Bank Statements Percent of Income From Statements Borrower Business Ownership % CoBorrower Business Ownership % Bespoke Eligible Assets Borrower P&L Type Borrower Number of Months P&L Borrower P&L Prepared By CoBorrower P&L Type CoBorrower P&L Prepared By CoBorrower Number of Months P&L Borrower CPA Letter Flag # of Months CPA verified income CoBorrower CPA Letter Flag CoBorrower # of Months CPA verified income Borrower WVOE Flag Borrower # of Months Employment Validated WVOE Borrower # of Months Income Validated WVOE Borrower WVOE Form Type CoBorrower WVOE Flag CoBorrower # of Months WVOE CoBorrower # of Months Income Validated WVOE CoBorrower WVOE Form Type DSCR Flag TPR DSCR Originator DSCR Expense Letter Income Doc Detail Tax Return Doc Details Property Address Property City Property State Property Zip Property County Original Credit Report Date Borrower 1 Credit Report Date Borrower 2 Credit Report Date Borrower 3 Credit Report Date Borrower 4 Credit Report Date Qualifying Credit Score Third Wage Earner Original FICO Equifax Third Wage Earner Original FICO Experian Third Wage Earner Original FICO Transunion Fourth Wage Earner Original FICO Equifax Fourth Wage Earner Original FICO Experian Fourth Wage Earner Original FICO Transunion Most Recent Co Borrower 2 FICO Most Recent Co Borrower 3 FICO Updated Credit Report Flag Updated Credit Report Date Updated FICO Method Primary Wage Earner Updated FICO Equifax Primary Wage Earner Updated FICO Experian Primary Wage Earner Updated FICO Transunion Secondary Wage Earner Updated FICO Equifax Secondary Wage Earner Updated FICO Experian Secondary Wage Earner Updated FICO Transunion Third Wage Earner Updated FICO Equifax Third Wage Earner Updated FICO Experian Third Wage Earner Updated FICO Transunion Fourth Wage Earner Updated FICO Equifax Fourth Wage Earner Updated FICO Experian Fourth Wage Earner Updated FICO Transunion Updated Primary Borrower FICO Updated Co Borrower FICO Updated Co Borrower 2 FICO Updated Co Borrower 3 FICO Updated Qualifying FICO Most Recent Bankruptcy Type Most Recent Bankruptcy Filing Date Most Recent Bankruptcy Discharge Date Number of Bankruptcy Events Months Bankruptcy 7 11  Months Bankruptcy 13  Most Recent Deed in Lieu Date Number of Deed in Lieu Events Months Deed in Lieu Most Recent Short Sale Date Number of Short Sale Events Months Short Sale (or Pre FC)  Most Recent Foreclosure Date Number of Foreclosure Events Months Foreclosure Prior Mortgage/Rent Lates 30d in 0-12m Prior Mortgage/Rent Lates 60d in 0-12m Prior Mortgage/Rent Lates 90d in 0-12m Prior Mortgage/Rent Lates 120d+ in 0-12m Prior Mortgage/Rent Lates 30d in 13-24m Prior Mortgage/Rent Lates 60d in 13-24m Prior Mortgage/Rent Lates 90d in 13-24m Prior Mortgage/Rent Lates 120d+ in 13-24m Prior Mortgage/Rent Late 30d in 24m Prior Mortgage/Rent Late 60d in 24m Prior Mortgage/Rent Late 90d in 24m Has ACH Is Equity Shared Loan Subordinate Lien Type Subordinate Lien Max Draw Amount (HELOC) Is Shared Appreciation Mortgage Borrower Originator Citizenship Designation Borrower Verified Citizenship Designation Borrower Individual Tax Identification Number (ITIN)? Borrower Photo Identification Type Borrower Photo Identification Other Type Borrower Photo ID State of Issuance Borrower Photo ID Country of Issuance Borrower Photo ID Expiration Date Borrower Passport Country of Origin Borrower Passport Expiration Date Borrower Non-US Citizen Identification Document Borrower Date of Resident Since/Valid Date Borrower Non-US Document Expiration Date Co Borrower Originator Citizenship Designation Co Borrower Verified Citizenship Designation Co Borrower Individual Tax Identification Number (ITIN)? Co Borrower Photo Identification Type Co Borrower Photo Identification Other Type Co Borrower Photo ID State of Issuance Co Borrower Photo ID Country of Issuance Co Borrower Photo ID Expiration Date Co Borrower Passport Country of Origin Co Borrower Passport Expiration Date Co Borrower Non-US Citizen Identification Document Co Borrower Date of Resident Since/Valid Date Co Borrower Non-US Document Expiration Date Co Borrower 2 Originator Citizenship Designation Co Borrower 2 Verified Citizenship Designation Co Borrower 2 Individual Tax Identification Number (ITIN)? Co Borrower 2 Photo Identification Type Co Borrower 2 Photo Identification Other Type Co Borrower 2 Photo ID State of Issuance Co Borrower 2 Photo ID Country of Issuance Co Borrower 2 Photo ID Expiration Date Co Borrower 2 Passport Country of Origin Co Borrower 2 Passport Expiration Date Co Borrower 2 Non-US Citizen Identification Document Co Borrower 2 Date of Resident Since/Valid Date Co Borrower 2 Non-US Document Expiration Date Co Borrower 3 Originator Citizenship Designation Co Borrower 3 Verified Citizenship Designation Co Borrower 3 Individual Tax Identification Number (ITIN)? Co Borrower 3 Photo Identification Type Co Borrower 3 Photo Identification Other Type Co Borrower 3 Photo ID State of Issuance Co Borrower 3 Photo ID Country of Issuance Co Borrower 3 Photo ID Expiration Date Co Borrower 3 Passport Country of Origin Co Borrower 3 Passport Expiration Date Co Borrower 3 Non-US Citizen Identification Document Co Borrower 3 Date of Resident Since/Valid Date Co Borrower 3 Non-US Document Expiration Date Property Rights Leasehold Lease Expiration Date Buydown Flag Assumable Mortgage Flag Foreign National Alternative Credit Documentation Liquid / Cash Reserves (ASF) Months Liquid Reserves Total Assets Available for Reserves Months Reserves Blanket Mortgage Flag Qualifying HCLTV Condo Warrantability Flag E-Note Flag O&E in lieu of Title Insurance Business Purpose Flag Borrower Note Executed As Co Borrower Note Executed As Co Borrower 2 Note Executed As Co Borrower 3 Note Executed As
XXXXX   374819 XXXXX XXXXX XXXXX No XXXXX XXXXX 08/01/2024 1 XXXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     7.750% 7.750% $1,527.39 No   $2,380.56 $198.38 $879.00 $73.25 $0.00 $0.00 $0.00 $1,799.02   N/A     $0.00     0.00% 0.00% 0.00% Yes Yes             Unknown Unknown         Debt Service Coverage Ratio 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00%       N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A Yes 1.39 1.389   Borrower || Co Borrower Borrower || Co Borrower XXXXX XXXXX XXX XXXXX XXXXX 07/11/2024 07/11/2024 07/11/2024     796                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No     No US Citizen   N/A       XXXXX       N/A     US Citizen   N/A       XXXXX       N/A                                                         Fee Simple   No Unknown N/A 9762.03 5.4 209960.37 116.7 No 80.0 N/A No No Yes Member on Behalf of Entity Member on Behalf of Entity N/A N/A
XXXXX   378915 XXXXX XXXXX XXXXX No XXXXX XXXXX 05/03/2024 5 XXXXX QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 9907.75 07/15/2024 6.900%     No 8.304%   7.999%   $2,824.73 No   $3,129.84 $260.82 $1,691.04 $140.92 $600.00 $50.00 $0.00 $3,276.47 $4,482.68 N/A XXXXX XXX $50.00 09/01/2024 Monthly 0.00% 43.56% 43.56% No No             Self-Employed Not Employed         12 Month Bank Statement 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No Yes N/A 0 12 No N/A 0 0 80.61% 100.00%     N/A 0 N/A N/A N/A 0 Yes 24 No 0 NA 0 0 N/A NA 0 0 N/A No 0 0.0 N/A Borrower - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 || Co Borrower Borrower - 2023, 2024 || Co Borrower XXXXX XXXXX XXX XXXXX XXXXX 07/09/2024 07/09/2024 07/24/2024     694                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No     No Non Permanent Resident Alien   Yes - ITIN Letter/Certificate Standard Driver's License - Not for federal use   XXXX XXXXX XXXXX     N/A     Non Permanent Resident Alien   Yes - ITIN Letter/Certificate Real ID Driver's License   XXX XXXXX XXXXX     N/A                                                         Fee Simple   No No N/A 169407.84 51.7 169407.84 51.7 No 70.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A
XXXXX   378918 XXXXX XXXXX XXXXX No XXXXX XXXXX 05/03/2024 5 XXXXX ATR/QM: Exempt No No No N/A N/A           No     7.375%   $963.49 Yes 18.000% $400.68 $33.39 $1,751.88 $145.99 $0.00 $0.00 $0.00 $1,142.87   N/A     $0.00     0.00% 0.00% 0.00% Yes Yes             Unknown Unknown         Debt Service Coverage Ratio 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00%       N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A Yes 1.312 1.31   Borrower || Co Borrower Borrower || Co Borrower XXXXX XXXXX XXX XXXXX XXXXX 07/10/2024 07/10/2024 07/10/2024     806                 No                                       NA     0       0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen   N/A       XXXXX       N/A     US Citizen   N/A       XXXXX       N/A                                                         Fee Simple   No Unknown N/A 112512.40 98.5 112512.40 98.5 No 75.0 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A
XXXXX   383804 XXXXX XXXXX XXXXX No XXXXX XXXXX 05/03/2024 5 XXXXX ATR/QM: Exempt No No No N/A N/A           No     8.625%   $1,120.02 Yes 18.000% $1,112.04 $92.67 $1,380.96 $115.08 $0.00 $0.00 $0.00 $1,327.77   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00%       N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A Yes 1.145 1.145   Borrower Borrower XXXXX XXXXX XXX XXXXX XXXXX 07/03/2024 07/03/2024       721                 No                                       NA     0       0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No Permanent Resident Alien   N/A Real ID Driver's License   XXXX XXXXX XXXXX     I-551 Permanent Resident Card   XXXXX                                                                               Fee Simple   No Unknown N/A .00 0.0 25440.91 19.2 No 78.26 N/A No No Yes Member on Behalf of Entity N/A N/A N/A
XXXXX   385692 XXXXX XXXXX XXXXX No XXXXX XXXXX 05/03/2024 5 XXXXX ATR/QM: Exempt No No No N/A N/A           No     7.250%   $1,944.20 Yes 18.000% $5,838.48 $486.54 $2,424.84 $202.07 $1,200.00 $100.00 $0.00 $2,732.81   N/A XXXXX XXX $100.00 09/01/2024 Monthly 0.00% 0.00% 0.00% Yes Yes             Unknown Unknown         Debt Service Coverage Ratio 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00%       N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A Yes 1.061 1.06   Borrower || Co Borrower Borrower || Co Borrower XXXXX XXXXX XXX XXXXX XXXXX 07/29/2024 07/29/2024 07/29/2024     784                 No                                       NA     0       0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No Permanent Resident Alien   N/A Employment Authorization Card   XXXX XXXXX XXXXX     I-151 Permanent Resident Card   XXXXX US Citizen   N/A       XXXXX       N/A                                                         Fee Simple   No Unknown N/A 22140.17 8.1 22140.17 8.1 No 75.0 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A
XXXXX   386453 XXXXX XXXXX XXXXX No XXXXX XXXXX 05/03/2024 5 XXXXX ATR/QM: Exempt No No No N/A N/A           No     8.375%   $1,168.61 Yes 18.000% $690.12 $57.51 $768.60 $64.05 $0.00 $0.00 $0.00 $1,290.17   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00%       N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A Yes 0.93 0.93   Borrower || Co Borrower Borrower || Co Borrower XXXXX XXXXX XXX XXXXX XXXXX 05/29/2024 05/29/2024       684                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No     No US Citizen   N/A       XXXXX       N/A         N/A               N/A                                                         Fee Simple   No Unknown N/A .00 0.0 14592.64 11.3 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A
XXXXX   389170 XXXXX XXXXX XXXXX No XXXXX XXXXX 07/24/2024 7 XXXXX ATR/QM: Exempt Yes No No N/A N/A           No     7.250%   $692.41 Yes 18.000% $286.32 $23.86 $749.04 $62.42 $0.00 $0.00 $0.00 $778.69   N/A     $0.00     0.00% 0.00% 0.00% Yes Yes             Unknown Unknown         Debt Service Coverage Ratio 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00%       N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A Yes 1.156 1.15   Borrower || Co Borrower Borrower || Co Borrower XXXXX XXXXX XXX XXXXX XXXXX 07/12/2024 07/12/2024 07/12/2024     742                 No                                       NA     0       0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen   N/A       XXXXX       N/A     US Citizen   N/A       XXXXX       N/A                                                         Fee Simple   No Unknown N/A .00 0.0 93597.64 120.2 No 70.0 N/A No No Yes Member on Behalf of Entity Member on Behalf of Entity N/A N/A
XXXXX   391349 XXXXX XXXXX XXXXX No XXXXX XXXXX 08/02/2024 9 XXXXX ATR/QM: Exempt No No No N/A N/A           No     7.250%   $2,489.94 Yes 18.000% $4,999.68 $416.64 $1,289.04 $107.42 $0.00 $0.00 $0.00 $3,014.00   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00%       N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A Yes 1.108 1.1   Borrower Borrower XXXXX XXXXX XXX XXXXX XXXXX 07/22/2024 07/22/2024       801                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No     No US Citizen   N/A       XXXXX       N/A                                                                                   Fee Simple   No Unknown N/A 201928.84 67.0 201928.84 67.0 No 58.4 N/A No No Yes Member on Behalf of Entity N/A N/A N/A
XXXXX   391351 XXXXX XXXXX XXXXX No XXXXX XXXXX 08/15/2024 10 XXXXX ATR/QM: Exempt No No No N/A N/A           No     6.625%   $2,583.65 No   $2,035.80 $169.65 $2,148.60 $179.05 $2,040.00 $170.00 $0.00 $3,102.35   N/A XXXXX XXX $170.00   Monthly 0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00%       N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A Yes 1.612 1.6   Borrower Borrower XXXXX XXXXX XXX XXXXX XXXXX 07/03/2024 07/03/2024       756                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No     No US Citizen   N/A       XXXXX       N/A                                                                                   Fee Simple   No Unknown N/A 312882.09 100.9 70801.81 22.8 No 75.0 Yes No No Yes Member on Behalf of Entity N/A N/A N/A
XXXXX   392677 XXXXX XXXXX XXXXX No XXXXX XXXXX 07/11/2024 6 XXXXX ATR/QM: Exempt No No No N/A N/A           No     8.125%   $2,858.61 Yes 18.000% $2,321.40 $193.45 $1,038.00 $86.50 $0.00 $0.00 $0.00 $3,138.56   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00%       N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A Yes 1.147 1.14   Borrower Borrower XXXXX XXXXX XXX XXXXX XXXXX 08/21/2024 08/21/2024       662                 No                                       NA     0       0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen   N/A       XXXXX       N/A                                                                                   Fee Simple   No Unknown N/A .00 0.0 93342.47 26.8 No 61.8 N/A No No Yes Borrower As Individual N/A N/A N/A
XXXXX   392680 XXXXX XXXXX XXXXX No XXXXX XXXXX 05/03/2024 5 XXXXX ATR/QM: Exempt Yes No No N/A N/A           No     9.375%   $973.15 Yes 18.000% $1,226.40 $102.20 $1,698.00 $141.50 $0.00 $0.00 $0.00 $1,216.85   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00%       N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A Yes 1.003 1.0   Borrower Borrower XXXXX XXXXX XXX XXXXX XXXXX 06/13/2024 06/13/2024       648                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No     No US Citizen   N/A       XXXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 103156.11 84.8 No 58.5 N/A No No Yes Member on Behalf of Entity N/A N/A N/A
XXXXX   392688 XXXXX XXXXX XXXXX No XXXXX XXXXX 08/21/2024 11 XXXXX ATR/QM: Exempt Yes No No N/A N/A           No     6.999%   $3,193.13 Yes 18.000% $4,014.12 $334.51 $1,349.88 $112.49 $168.00 $14.00 $0.00 $3,654.13   N/A XXXXX XXX $14.00   Monthly 0.00% 0.00% 0.00% Yes Yes             Unknown Unknown         Debt Service Coverage Ratio 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00%       N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A Yes 1.067 1.06   Borrower || Co Borrower Borrower || Co Borrower XXXXX XXXXX XXX XXXXX XXXXX 07/15/2024 07/15/2024 06/21/2024     765                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No     No US Citizen   N/A       XXXXX       N/A     US Citizen   N/A       XXXXX       N/A                                                         Fee Simple   No No N/A .00 0.0 396131.58 108.4 No 48.0 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A
XXXXX   393385 XXXXX XXXXX XXXXX No XXXXX XXXXX 08/02/2024 9 XXXXX ATR/QM: Exempt No No No N/A N/A           No     7.875%   $2,360.10 Yes 18.000% $2,116.92 $176.41 $4,292.04 $357.67 $0.00 $0.00 $0.00 $2,894.18   N/A     $0.00     0.00% 0.00% 0.00% Yes Yes             Unknown Unknown         Debt Service Coverage Ratio 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00%       N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A Yes 1.935 1.93   Borrower || Co Borrower Borrower || Co Borrower XXXXX XXXXX XXX XXXXX XXXXX 08/21/2024 08/21/2024 08/21/2024     723                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No     No US Citizen   N/A       XXXXX       N/A     Non Permanent Resident Alien           XXXXX XXXXXX     I-821D Employment Authorization Document (I-821-D)   XXXXX                                                     Fee Simple   No Unknown N/A .00 0.0 44142.16 15.3 No 70.0 N/A No No Yes Member on Behalf of Entity Member on Behalf of Entity N/A N/A
XXXXX   395025 XXXXX XXXXX XXXXX No XXXXX XXXXX 05/03/2024 5 XXXXX ATR/QM: Exempt No No No N/A N/A           No     8.375%   $3,420.33 Yes 18.000% $10,381.56 $865.13 $2,166.96 $180.58 $0.00 $0.00 $0.00 $4,466.04   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00%       N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A Yes 0.896 0.89   Borrower Borrower XXXXX XXXXX XXX XXXXX XXXXX 06/05/2024 06/05/2024       718                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No     No US Citizen   N/A       XXXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 98147.53 22.0 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A
XXXXX   395026 XXXXX XXXXX XXXXX No XXXXX XXXXX 08/21/2024 11 XXXXX ATR/QM: Exempt No No No N/A N/A           No     6.875%   $1,235.03 No   $5,116.08 $426.34 $1,541.04 $128.42 $665.04 $55.42 $0.00 $1,845.21   N/A XXXXX XXX $55.42   Annually 0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00%       N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A Yes 1.526 1.52   Borrower Borrower XXXXX XXXXX XXX XXXXX XXXXX 07/23/2024 07/23/2024       773                 No                                       NA     0       0     0     0         0               Unknown No     No Foreign National   N/A Passport   N/A XXXXX XXXXX XXXXX XXXXX Work Visa   XXXXX                                                                               Fee Simple   No No Credit Reference Letter 452642.22 245.3 452642.22 245.3 No 47.02 N/A No No Yes Member on Behalf of Entity N/A N/A N/A
XXXXX   395028 XXXXX XXXXX XXXXX No XXXXX XXXXX 08/02/2024 9 XXXXX ATR/QM: Exempt No No No N/A N/A           No     7.999%   $1,144.56 No   $2,652.00 $221.00 $1,646.28 $137.19 $0.00 $0.00 $0.00 $1,502.75 $3,198.25 N/A     $0.00     0.00% 48.83% 48.83% Yes               Employed           1YR Full Doc 1 0 1 Month NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00% 0.00%     N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0 0.0   Borrower - Wage, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 1 YR W2 1099 Verified, 1 Month Paystubs Verified - 2023, 2024 Borrower - 2023, 2024 XXXXX XXXXX XXX XXXXX XXXXX 08/06/2024 08/06/2024       721                 No                                       NA     0       0     0     0                         Unknown No     No US Citizen   N/A       XXXXX       N/A                                                                                   Fee Simple   No No N/A 37438.40 24.9 37438.40 24.9 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A
XXXXX   396275 XXXXX XXXXX XXXXX No XXXXX XXXXX 08/15/2024 10 XXXXX ATR/QM: Exempt No No No N/A N/A           No     6.999%   $1,646.46 Yes 18.000% $3,756.60 $313.05 $939.96 $78.33 $0.00 $0.00 $0.00 $2,037.84   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00%       N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A Yes 1.681 1.84   Borrower Borrower XXXXX XXXXX XXX XXXXX XXXXX 08/14/2024 08/14/2024       770                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No     No US Citizen   N/A       XXXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 85557.69 42.0 No 72.79 N/A No No Yes Member on Behalf of Entity N/A N/A N/A
XXXXX   396276 XXXXX XXXXX XXXXX No XXXXX XXXXX 08/21/2024 11 XXXXX ATR/QM: Exempt No No No N/A N/A           No     7.500%   $2,780.08 Yes 18.000% $4,002.36 $333.53 $2,051.04 $170.92 $0.00 $0.00 $0.00 $3,284.53   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00%       N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A Yes 1.005 1.0   Borrower || Co Borrower Borrower || Co Borrower XXXXX XXXXX XXX XXXXX XXXXX 08/14/2024 08/14/2024       799                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No     No US Citizen   N/A       XXXXX       N/A         N/A               N/A                                                         Fee Simple   No No N/A .00 0.0 372587.77 113.4 No 80.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A
XXXXX   396279 XXXXX XXXXX XXXXX No XXXXX XXXXX 08/21/2024 11 XXXXX ATR/QM: Exempt No No No N/A N/A           No     7.625%   $1,596.78 No   $1,263.72 $105.31 $1,089.00 $90.75 $0.00 $0.00 $0.00 $1,792.84   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00%       N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A Yes 1.171 1.17   Borrower Borrower XXXXX XXXXX XXX XXXXX XXXXX 08/21/2024 08/21/2024       763                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No     No US Citizen   N/A       XXXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 64252.24 35.8 No 80.0 N/A No No Yes Borrower As Individual N/A N/A N/A
XXXXX   396792 XXXXX XXXXX XXXXX No XXXXX XXXXX 08/21/2024 11 XXXXX ATR/QM: Exempt No No No N/A N/A           No     6.625%   $1,175.61 Yes 18.000% $5,896.32 $491.36 $1,053.60 $87.80 $10,524.00 $877.00 $0.00 $2,631.77   Yes XXXXX XXX $877.00   Monthly 0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00%       N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A Yes 1.213 1.21   Borrower Borrower XXXXX XXXXX XXX XXXXX XXXXX 07/23/2024 07/23/2024       750                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No     No US Citizen   N/A       XXXXX       N/A                                                                                   Fee Simple   No No N/A 31684.94 12.0 31684.94 12.0 No 52.91 No No No Yes Borrower As Individual N/A N/A N/A
XXXXX   396795 XXXXX XXXXX XXXXX No XXXXX XXXXX 08/21/2024 11 XXXXX ATR/QM: Exempt No No No N/A N/A           No     7.500%   $2,684.98 Yes 18.000% $5,710.08 $475.84 $2,276.04 $189.67 $0.00 $0.00 $0.00 $3,350.49 $48,347.13 N/A     $0.00     0.00% 13.79% 13.79% Yes Yes             Self-Employed Self-Employed         12 Month Bank Statement 0 2 NA 1 Month N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No Yes Yes 0 12 No N/A 0 0 92.11% 0.00% 0.00%   N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0 0.0   Borrower - Wage - Business Bank Statements Verified - 2023, 2024 || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified - 2022, 2023, 2024 Borrower - 2023, 2024 || Co Borrower - 2022, 2023, 2024 XXXXX XXXXX XXX XXXXX XXXXX 07/23/2024 07/23/2024 07/23/2024     805                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No     No US Citizen   N/A       XXXXX       N/A     US Citizen   N/A       XXXXX       N/A                                                         Fee Simple   No No N/A 144595.95 43.2 144595.95 43.2 No 80.0 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A
XXXXX   396796 XXXXX XXXXX XXXXX No XXXXX XXXXX 07/24/2024 7 XXXXX ATR/QM: Exempt Yes No No N/A N/A           No     7.125%   $2,408.05 Yes 18.000% $13,551.24 $1,129.27 $783.00 $65.25 $10,200.00 $850.00 $2,000.00 $6,452.57 $14,217.17 Yes XXXXX XXX $850.00 10/01/2024 Monthly 0.00% 34.12% 34.12% Yes Yes             Employed Not Employed         2YR Full Doc 1 0 1 Month NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00% 0.00% 0.00%   N/A 0 N/A N/A N/A 0 NA 0 No 0 Yes 24 24 Work Number NA 0 0 N/A No 0 0.0   Borrower - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified - 2024, 2023, 2022 || Co Borrower Borrower - 2024, 2023, 2022 || Co Borrower XXXXX XXXXX XXX XXXXX XXXXX 07/09/2024 07/09/2024 07/09/2024     775                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No     No US Citizen   N/A       XXXXX       N/A     US Citizen   N/A       XXXXX       N/A                                                         Lease Hold 05/31/2038 No No N/A 107350.62 16.6 107350.62 16.6 No 75.0 No No No Yes Borrower As Individual Borrower As Individual N/A N/A
XXXXX   397524 XXXXX XXXXX XXXXX No XXXXX XXXXX 05/03/2024 5 XXXXX ATR/QM: Exempt No No No N/A N/A           No     7.625%   $1,082.92 Yes 18.000% $933.24 $77.77 $2,096.52 $174.71 $0.00 $0.00 $0.00 $1,335.40   N/A     $0.00     0.00% 0.00% 0.00% Yes Yes 1 - Not Stated Not Verified   1 - Not Stated, Not Verified   1 - Not Stated, Not Verified   Unknown Unknown Unknown   .00   Debt Service Coverage Ratio 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00%       N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A Yes 1.048 1.04   Borrower || Co Borrower || Co Borrower 2 Borrower || Co Borrower || Co Borrower 2 XXXXX XXXXX XXX XXXXX XXXXX 06/21/2024 06/21/2024 06/21/2024 06/21/2024   810 789 805 801       801   No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No     No US Citizen   N/A       XXXXX       N/A     US Citizen   N/A       XXXXX       N/A     US Citizen   N/A       XXXXX       N/A                               Fee Simple   No Yes N/A .00 0.0 143340.80 107.3 No 75.0 N/A No No Yes Borrower As Individual Borrower As Individual Borrower As Individual N/A
XXXXX   397525 XXXXX XXXXX XXXXX No XXXXX XXXXX 08/15/2024 10 XXXXX ATR/QM: Exempt No No No N/A N/A           No     6.999%   $1,164.16 Yes 18.000% $2,820.24 $235.02 $693.00 $57.75 $0.00 $0.00 $0.00 $1,456.93   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00%       N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A Yes 1.27 1.26   Borrower Borrower XXXXX XXXXX XXX XXXXX XXXXX 06/13/2024 06/13/2024       764                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No     No US Citizen   N/A       XXXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 160958.41 110.5 No 66.04 N/A No No Yes Member on Behalf of Entity N/A N/A N/A
XXXXX   397526 XXXXX XXXXX XXXXX No XXXXX XXXXX 07/24/2024 7 XXXXX ATR/QM: Exempt No No No N/A N/A           No     7.500%   $699.21 Yes 18.000% $602.16 $50.18 $504.00 $42.00 $3,036.00 $253.00 $0.00 $1,044.39   Yes XXXXX XXX $253.00   Monthly 0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00%       N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A Yes 1.005 1.0   Borrower Borrower XXXXX XXXXX XXX XXXXX XXXXX 07/06/2024 07/06/2024       777                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No     No US Citizen   N/A       XXXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 25695.76 24.6 No 64.52 Yes No No Yes Borrower As Individual N/A N/A N/A
XXXXX   398747 XXXXX XXXXX XXXXX No XXXXX XXXXX 08/21/2024 11 XXXXX ATR/QM: Exempt No No No N/A N/A           No     7.125%   $2,622.45 Yes 18.000% $14,334.96 $1,194.58 $4,703.04 $391.92 $789.96 $65.83 $0.00 $4,274.78   N/A XXXXX XXX $65.83   Annually 0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00%       N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A Yes 0.784 0.83   Borrower Borrower XXXXX XXXXX XXX XXXXX XXXXX 08/29/2024 08/29/2024       763                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No     No US Citizen   N/A       XXXXX       N/A                                                                                   Fee Simple   No No N/A 109710.45 25.7 109710.45 25.7 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A
XXXXX   398911 XXXXX XXXXX XXXXX No XXXXX XXXXX 08/02/2024 9 XXXXX ATR/QM: Exempt No No No N/A N/A           No     8.625%   $1,306.69 Yes 18.000% $6,633.36 $552.78 $2,754.96 $229.58 $834.96 $69.58 $0.00 $2,158.63   N/A XXXXX XXX $69.58   Annually 0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00%       N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A Yes 0.811 0.81   Borrower || Co Borrower Borrower || Co Borrower XXXXX XXXXX XXX XXXXX XXXXX 05/16/2024 05/16/2024       726                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No     No US Citizen   N/A       XXXXX       N/A         N/A               N/A                                                         Fee Simple   No No N/A 74343.84 34.4 114610.30 53.1 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A
XXXXX   398914 XXXXX XXXXX XXXXX No XXXXX XXXXX 08/15/2024 10 XXXXX ATR/QM: Exempt No No No N/A N/A           No     8.500%   $2,825.76 Yes 18.000% $8,273.52 $689.46 $2,972.40 $247.70 $0.00 $0.00 $0.00 $3,762.92   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00%       N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A Yes 1.382 1.38   Borrower Borrower XXXXX XXXXX XXX XXXXX XXXXX 06/24/2024 06/24/2024       684                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No     No US Citizen   N/A       XXXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 57037.14 15.2 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A
XXXXX   398915 XXXXX XXXXX XXXXX No XXXXX XXXXX 08/21/2024 11 XXXXX ATR/QM: Exempt No No No N/A N/A           No     7.375%   $904.09 Yes 18.000% $3,319.80 $276.65 $1,038.96 $86.58 $3,240.00 $270.00 $0.00 $1,537.32   Yes XXXXX XXX $270.00 10/03/2024 Monthly 0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00%     Stocks/Bonds N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A Yes 1.301 1.3   Borrower Borrower XXXXX XXXXX XXX XXXXX XXXXX 08/21/2024 08/21/2024       789                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No     No US Citizen   N/A       XXXXX       N/A                                                                                   Fee Simple   No No N/A 2115730.95 1376.3 2115730.95 1376.3 No 70.0 Yes No No Yes Borrower As Individual N/A N/A N/A
XXXXX   400653 XXXXX XXXXX XXXXX No XXXXX XXXXX 08/15/2024 10 XXXXX ATR/QM: Exempt No No No N/A N/A           No     6.999%   $1,119.59 Yes 18.000% $1,682.04 $140.17 $1,685.04 $140.42 $0.00 $0.00 $0.00 $1,400.18   N/A     $0.00     0.00% 0.00% 0.00% Yes Yes             Unknown Unknown         Debt Service Coverage Ratio 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00%       N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A Yes 1.071 1.07   Borrower || Co Borrower Borrower || Co Borrower XXXXX XXXXX XXX XXXXX XXXXX 08/05/2024 08/05/2024 08/05/2024     766                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No     No US Citizen   N/A       XXXXX       N/A     US Citizen   N/A       XXXXX       N/A                                                         Fee Simple   No No N/A .00 0.0 43600.96 31.1 No 76.5 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A
XXXXX   400655 XXXXX XXXXX XXXXX No XXXXX XXXXX 08/02/2024 9 XXXXX ATR/QM: Exempt No No No N/A N/A           No     7.999%   $5,521.05 Yes 18.000% $4,285.80 $357.15 $2,516.52 $209.71 $0.00 $0.00 $0.00 $6,087.91   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00%       N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A Yes 1.404 1.4   Borrower Borrower XXXXX XXXXX XXX XXXXX XXXXX 07/30/2024 07/30/2024       673                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No     No US Citizen   N/A       XXXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 218638.84 35.9 No 70.0 N/A No No Yes Borrower As Individual N/A N/A N/A
XXXXX   400656 XXXXX XXXXX XXXXX No XXXXX XXXXX 07/24/2024 7 XXXXX ATR/QM: Exempt No Yes No N/A N/A           No     7.625%   $3,938.16 Yes 18.000% $9,788.64 $815.72 $902.04 $75.17 $0.00 $0.00 $0.00 $4,829.05 $53,703.08 N/A     $0.00     0.00% 44.71% 44.71% Yes               Self-Employed           12 Month Bank Statement 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No Yes Yes 0 12 No N/A 0 0 100.00% 100.00%     N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0 0.0 N/A Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2023 Borrower - 2024, 2023 XXXXX XXXXX XXX XXXXX XXXXX 07/08/2024 07/08/2024       693                 No                                       NA     0       0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen   N/A       XXXXX       N/A                                                                                   Fee Simple   No Yes N/A 277345.10 57.4 277345.10 57.4 No 65.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A
XXXXX   401906 XXXXX XXXXX XXXXX No XXXXX XXXXX 09/05/2024 12 XXXXX ATR/QM: Exempt Yes No No N/A N/A           No     9.250%   $2,303.49 No   $4,633.92 $386.16 $1,821.00 $151.75 $0.00 $0.00 $0.00 $2,841.40   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00%       N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A Yes 1.161 1.161   Borrower Borrower XXXXX XXXXX XXX XXXXX XXXXX 07/26/2024 07/26/2024       725                 No                                       NA     0       0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen   N/A       XXXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 270083.08 95.1 No 80.0 N/A No No Yes Borrower As Individual N/A N/A N/A
XXXXX   401907 XXXXX XXXXX XXXXX No XXXXX XXXXX 08/15/2024 9 XXXXX QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 8044 08/19/2024 6.450% Manual Underwriting Manual Underwriting No 7.733%   7.500%   $2,657.02 No   $7,104.12 $592.01 $1,143.96 $95.33 $0.00 $0.00 $0.00 $3,344.36 $11,488.58 N/A     $0.00     0.00% 0.00% 0.00% No               Not Employed           Asset Depletion – Total Asset Calculation 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA Yes No 60.0 No Yes N/A 2 0 No N/A 0 0 0.00% 0.00%     N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0 0.0 N/A Borrower - Asset Depletion - Personal Bank Statements Verified - 2024 - 2024 Borrower - 2024 - 2024 XXXXX XXXXX XXX XXXXX XXXXX 08/07/2024 08/07/2024       794                 No                                       NA     0       0     0     0   1 0 0 0         1 0 0 Unknown No     No US Citizen   N/A       XXXXX       N/A                                                                                   Fee Simple   No No N/A 159557.98 47.7 159557.98 47.7 No 37.62 N/A No No No Borrower As Individual N/A N/A N/A
XXXXX   401908 XXXXX XXXXX XXXXX No XXXXX XXXXX 09/05/2024 12 XXXXX ATR/QM: Exempt No No No N/A N/A           No     7.999%   $1,179.78 No   $1,253.64 $104.47 $1,571.76 $130.98 $0.00 $0.00 $0.00 $1,415.23   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00%       N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A Yes 1.01     Borrower Borrower XXXXX XXXXX XXX XXXXX XXXXX 07/29/2024 07/29/2024       726                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No     No US Citizen   N/A       XXXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 10687.09 7.6 No 80.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A
XXXXX   403593 XXXXX XXXXX XXXXX No XXXXX XXXXX 09/05/2024 12 XXXXX ATR/QM: Exempt No No No N/A N/A           No     7.875%   $1,447.03 Yes 18.000% $1,469.76 $122.48 $5,726.04 $477.17 $0.00 $0.00 $0.00 $2,046.68   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00%       N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A Yes 1.026 1.02   Borrower Borrower XXXXX XXXXX XXX XXXXX XXXXX 07/16/2024 07/16/2024       642                 No                                       NA     0       0     0     0   0 0 0 0 0 0 0   0 0 0 Unknown No     No US Citizen   N/A       XXXXX       N/A                                                                                   Fee Simple   No No N/A 25724.40 12.6 224299.55 109.6 No 70.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A
XXXXX   404746 XXXXX XXXXX XXXXX No XXXXX XXXXX 09/05/2024 12 XXXXX ATR/QM: Exempt Yes No No N/A N/A           No     7.750%   $1,174.92 Yes 18.000% $3,869.76 $322.48 $1,064.04 $88.67 $0.00 $0.00 $0.00 $1,586.07   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00%       N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A Yes 1.04 1.04   Borrower Borrower XXXXX XXXXX XXX XXXXX XXXXX 08/13/2024 08/13/2024       751                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No     No US Citizen   N/A       XXXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 68348.88 43.1 No 80.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A
XXXXX   404749 XXXXX XXXXX XXXXX No XXXXX XXXXX 08/21/2024 11 XXXXX ATR/QM: Exempt No No No N/A N/A           No     8.500%   $1,230.26 Yes 18.000% $2,726.52 $227.21 $465.96 $38.83 $1,848.00 $154.00 $0.00 $1,650.30   N/A XXXXX XXX $154.00 10/01/2024 Monthly 0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00%       N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A Yes 1.333 1.33   Borrower Borrower XXXXX XXXXX XXX XXXXX XXXXX 08/20/2024 08/20/2024       783                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No     No US Citizen   N/A       XXXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 149661.12 90.7 No 80.0 No No No Yes Member on Behalf of Entity N/A N/A N/A
XXXXX   404750 XXXXX XXXXX XXXXX No XXXXX XXXXX 08/15/2024 10 XXXXX ATR/QM: Exempt No No No N/A N/A           No     8.750%   $1,258.72 No   $4,022.04 $335.17 $308.04 $25.67 $1,932.00 $161.00 $0.00 $1,780.56   N/A XXXXX XXX $161.00 10/01/2024 Monthly 0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00%       N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A Yes 1.236 1.24   Borrower || Co Borrower Borrower || Co Borrower XXXXX XXXXX XXX XXXXX XXXXX 08/20/2024 08/20/2024       783                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No     No US Citizen   N/A       XXXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 148265.88 83.3 No 80.0 No No No Yes Member on Behalf of Entity N/A N/A N/A
XXXXX   406619 XXXXX XXXXX XXXXX No XXXXX XXXXX 08/01/2024 8 XXXXX ATR/QM: Exempt No No No N/A N/A           No     7.750%   $3,232.45 Yes 18.000% $8,116.68 $676.39 $2,480.04 $206.67 $0.00 $0.00 $0.00 $4,115.51 $52,000.52 N/A     $0.00     0.00% 42.56% 42.56% Yes Yes             Not Employed Self-Employed         12 Month Bank Statement 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No N/A 0 0 Yes Yes 0 12 100.00% 0.00% 100.00%   N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0 0.0 N/A Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) || Co Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2023, 2024 Borrower || Co Borrower - 2023, 2024 XXXXX XXXXX XXX XXXXX XXXXX 07/15/2024 07/15/2024 07/25/2024     768                 No                                       NA     0       0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen   N/A       XXXXX       N/A     US Citizen   N/A       XXXXX       N/A                                                         Fee Simple   No No N/A .00 0.0 49870.23 12.1 No 80.0 N/A No No Yes Member on Behalf of Entity Member on Behalf of Entity N/A N/A