EX-99.34 35 ex99-34.htm CLAYTON NON ATR QM REPORT

 

EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.34

 

Client Name:  
Client Project Name: EFMT 2025-NQM1
Start - End Dates: 2/24/2023 - 10/2/2024
Deal Loan Count: 37
       
       
ATR QM Upload    
       
Loans in Report: 37

 

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 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 BK Chapter BK Filing Date Months since Filing Date BK Discharge Date Months since Discharge Date Ever in F/C? F/C Last Proceeding Date
2000018934 XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Present Non-QM: Lender documented all ATR UW factors XXXX (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 10.5827 Yes Yes 3.098 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 23.33 23.27 23.27 23.27 23.27 23.27 No No (No Data) 11272.59 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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 (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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) No (No Data) 0 (No Data) 0 No (No Data)
2000032053 XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Present Non-QM: Lender documented all ATR UW factors XXXX (No Data) Primary Detached PUD 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 9.5638 Yes Yes 2.457 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 39.99 36.86 39.99 36.86 36.86 36.86 Yes Yes Yes 12033.64 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 Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) Yes 192 No (No Data) Yes 36 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 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 - 192 months;
Personal Bank Statements - 12 months;
Business Bank Statements - 12 months;
CPA Letter without Income - 36 months;
(No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data)
2000034502 XXXX XXXX XXXX XXXX ATR/QM: Exempt (No Data) (No Data) XXXX (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 5% of amt prepd (No Data) Yes Yes 1 6.9990 Yes 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 23.99 0 23.99 23.99 23.99 (No Data) (No Data) (No Data) 16453.18 No (No Data) No (No Data) No Yes (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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 (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 14 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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 - 14 months;
CPA Letter without Income - 24 months;
(No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data)
2000035032 XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Present Non-QM: Lender documented all ATR UW factors XXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase Yes Yes No No No (No Data) (No Data) No No 1 8.1917 Yes Yes 2.101 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 29.85 29.93 29.85 28.52 28.52 29.93 No No (No Data) 107436.4 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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 (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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;
(No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data)
2000035900 XXXX XXXX XXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXX (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 Yes 1 8.0591 No No 2.95 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) 48.08 48.08 48.08 48.08 48.08 48.08 Yes Yes Yes 15718.68 No (No Data) No (No Data) No (No Data) (No Data) (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) 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 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;
W2 - 24 months;
Written VOE - 31 months;
(No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data)
2000036031 XXXX XXXX XXXX XXXX ATR/QM: Exempt (No Data) (No Data) XXXX (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 5% of amt prepd (No Data) Yes Yes 1 8.6250 Yes 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 22.54 0 22.54 22.54 22.54 (No Data) (No Data) (No Data) 50971.51 No (No Data) No (No Data) No Yes (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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 (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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 Data) No (No Data) No (No Data) No (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 - 14 months;
(No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data)
2000037157 XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Present Non-QM: Lender documented all ATR UW factors XXXX (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 9.1413 Yes Yes 3.537 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 32.16 32.43 32.16 32.43 32.43 32.43 No Yes Yes 7012.15 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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 (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;
(No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data)
2000037370 XXXX XXXX XXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXX (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 7.2207 No No 2.166 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) 47.81 48.25 47.81 48.25 48.25 48.25 No No (No Data) 13576.12 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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 (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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) No (No Data) 0 (No Data) 0 No (No Data)
2000037542 XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Present Non-QM: Lender documented all ATR UW factors XXXX (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 8.6750 Yes Yes 2.649 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 5.75 5.74 5.75 5.74 5.74 5.74 No No (No Data) 92613.42 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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 (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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 Data) No (No Data) No (No Data) No (No Data) 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 - 13 months;
CPA Letter - 12 months;
(No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data)
2000037578 XXXX XXXX XXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXX (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 7.1630 No No 2.763 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) 49.95 49.95 49.95 49.95 49.95 49.95 Yes Yes Yes 8426.54 No (No Data) No (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) 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 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) 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) Business Bank Statements - 12 months;
CPA Letter without Income - 60 months;
(No Data) 1099 - 24 months;
Award Letter - 12 months;
Personal Tax Return - 24 months;
(No Data) No (No Data) 0 (No Data) 0 No (No Data)
2000037756 XXXX XXXX XXXX XXXX ATR/QM: Exempt (No Data) (No Data) XXXX (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 7.8751 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 47.87 0 47.87 47.87 47.87 (No Data) (No Data) (No Data) 14513.18 No (No Data) No (No Data) No Yes (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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 (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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 Data) No (No Data) No (No Data) No (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 - 14 months;
(No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data)
2000037951 XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Present Non-QM: Lender documented all ATR UW factors XXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Cashout Refi Yes Yes No No No (No Data) (No Data) No No 1 8.8482 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) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 9.47 9.43 9.47 8.92 8.92 9.13 No No (No Data) 58731.47 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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 (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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) No (No Data) 0 (No Data) 0 No (No Data)
2000038004 XXXX XXXX XXXX XXXX QM: Rebuttable Presumption (APOR) Present QM: Safe Harbor (APOR) XXXX (No Data) Primary Low Rise Condo (1-4) 1 Conventional No No No No (No Data) Yes No Cashout Refi No No No No No (No Data) (No Data) No No 1 8.3287 Yes Yes 2.874 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) 37.21 37.88 37.21 37.88 37.88 37.88 Yes Yes Yes 7663.11 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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 (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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) No (No Data) 0 (No Data) 0 No (No Data)
2000038175 XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Present Non-QM: Lender documented all ATR UW factors XXXX (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 7.5364 No No 4.179 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 49.78 49.78 49.78 49.78 49.78 49.78 No No (No Data) 4086.2 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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 (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) 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 - 36 months;
Personal Bank Statements - 12 months;
(No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data)
2000038310 XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Present Non-QM: Lender documented all ATR UW factors XXXX (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 9.0782 Yes Yes 2.526 Not Applicable No No 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 11.71 11.59 11.71 11.59 11.59 11.59 No No (No Data) 36270.26 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 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) No (No Data) 0 (No Data) 0 No (No Data)
2000038355 XXXX XXXX XXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXX (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 7.7981 No No 2.614 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) 47.45 47.45 47.45 47.45 47.45 47.45 No No (No Data) 4193.04 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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 (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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 - 108 months;
(No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data)
2000038411 XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Present Non-QM: Lender documented all ATR UW factors XXXX (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 7.6247 No Yes 3.253 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 0 0 0 0 0 0 Yes Yes Yes -4363.72 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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 (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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) No (No Data) 0 (No Data) 0 No (No Data)
2000038479 XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Present Non-QM: Lender documented all ATR UW factors XXXX (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 Yes 1 9.3736 No No 3.173 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 45.72 45.72 45.72 45.72 45.72 45.72 No No (No Data) 4749.77 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 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) 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 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 - 2 months;
Verbal VOE with Income - 24 months;
W2 - 12 months;
(No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data)
2000038526 XXXX XXXX XXXX XXXX ATR/QM: Exempt (No Data) (No Data) XXXX (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No Yes 5% of amt prepd (No Data) Yes Yes 1 7.2500 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 44.35 0 44.35 44.35 44.35 (No Data) (No Data) (No Data) 54050.21 No (No Data) No (No Data) No Yes (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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 (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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 Data) No (No Data) No (No Data) No (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 - 13 months;
(No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data)
2000038551 XXXX XXXX XXXX XXXX ATR/QM: Exempt (No Data) (No Data) XXXX (No Data) Investor 2 Family 2 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No Yes 5% of amt prepd (No Data) Yes Yes 1 7.2500 Yes 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 38.59 0 38.59 38.59 38.59 (No Data) (No Data) (No Data) 10811.66 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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 (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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) No (No Data) 0 (No Data) 0 No (No Data)
2000038575 XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Present Non-QM: Lender documented all ATR UW factors XXXX (No Data) Primary Attached PUD 1 Conventional No No No No (No Data) Yes No Rate and Term Refi No No No No No (No Data) (No Data) Yes No 1 8.6614 Yes Yes 3.587 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 22.91 22.91 22.91 22.91 22.91 22.91 No Yes Yes 9679.85 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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 (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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) No (No Data) 0 (No Data) 0 No (No Data)
2000038678 XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Present Non-QM: Lender documented all ATR UW factors XXXX (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 Yes 1 8.1403 No No 3.003 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 49.92 49.84 49.92 49.84 49.84 49.84 No No (No Data) 1858.67 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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 (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) No (No Data) 0 (No Data) 0 No (No Data)
2000038683 XXXX XXXX XXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXX (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 7.5141 Yes Yes 1.345 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 40.77 39.18 40.77 40.77 40.77 No No (No Data) 16788.56 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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 (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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) No (No Data) 0 (No Data) 0 No (No Data)
2000038752 XXXX XXXX XXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXX (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 7.2843 No No 2.908 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) 51.48 51.48 51.48 51.48 51.48 51.48 No No (No Data) 8076.54 No (No Data) No (No Data) No No (No Data) (No Data) Yes 2 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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 (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) 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;
Paystub - 2 months;
(No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data)
2000038950 XXXX XXXX XXXX XXXX QM: Rebuttable Presumption (APOR) Present QM: Safe Harbor (APOR) XXXX (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 8.1652 No Yes 2.504 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) 0 0 0 0 0 0 No No (No Data) -7558.23 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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 (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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) No (No Data) 0 (No Data) 0 No (No Data)
2000039010 XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Present Non-QM: Lender documented all ATR UW factors XXXX (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 8.5515 No Yes 2.629 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 41.67 43.74 41.67 43.74 43.74 43.74 Yes Yes Yes 37680.73 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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 (No Data) (No Data) No (No Data) Yes 144 No (No Data) No (No Data) No (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 - 144 months;
(No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data)
2000039013 XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Present Non-QM: Lender documented all ATR UW factors XXXX (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 Yes 1 8.9841 No No 3.759 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 44.43 44.43 44.43 44.43 44.43 44.43 No Yes Yes 2034.28 No (No Data) No (No Data) No (No Data) (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) 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 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;
Written VOE - 28 months;
(No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data)
2000039130 XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Present QM: Safe Harbor (APOR) XXXX (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 8.0316 Yes Yes 3.846 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 25.35 25.35 25.35 25.35 25.35 25.35 No No (No Data) 26944.98 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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 (No Data) (No Data) No (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) No (No Data) 0 (No Data) 0 No (No Data)
2000039242 XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Present Non-QM: Lender documented all ATR UW factors XXXX (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 9.2307 Yes Yes 3.387 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 18.38 21.23 18.38 21.23 21.23 21.23 No No (No Data) 39612.51 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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 (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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) No (No Data) 0 (No Data) 0 No (No Data)
2000039287 XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Present Non-QM: Lender documented all ATR UW factors XXXX (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 9.8879 Yes Yes 4.882 0.000 No No 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 34.42 34.42 34.42 34.42 34.42 34.42 No No (No Data) 3580.76 No (No Data) No (No Data) No (No Data) (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 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) 7 05/01/2023 16 08/23/2023 13 No (No Data)
2000039317 XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Present Non-QM: Lender documented all ATR UW factors XXXX (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 8.0304 Yes Yes 3.727 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 9.1 9.1 9.1 9.1 9.1 9.1 No No (No Data) 25092.74 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 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) No (No Data) 0 (No Data) 0 No (No Data)
2000039332 XXXX XXXX XXXX XXXX ATR/QM: Exempt (No Data) (No Data) XXXX (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 5% of amt prepd (No Data) Yes Yes 1 7.7501 Yes 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 35.68 0 35.68 35.68 35.68 (No Data) (No Data) (No Data) 30350.16 No (No Data) No (No Data) No Yes Yes (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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 (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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;
(No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data)
2000039525 XXXX XXXX XXXX XXXX QM: Rebuttable Presumption (APOR) Present QM: Safe Harbor (APOR) XXXX (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 7.8620 Yes Yes 2.266 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) 40.53 42.13 40.53 42.13 42.13 42.13 Yes Yes Yes 28048.3 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 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) 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) Award Letter - 12 months;
Personal Bank Statements - 12 months;
Award Letter - 12 months;
(No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data)
2000039619 XXXX XXXX XXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXX (No Data) Second Home 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 7.6874 No Yes 1.788 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) 0 0 0 0 0 0 Yes Yes Yes -14471.89 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 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) No (No Data) 0 (No Data) 0 No (No Data)
2000039663 XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Present Non-QM: Lender documented all ATR UW factors XXXX (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 7.8779 Yes Yes 3.972 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 24.2 35.3 24.2 35.3 35.3 35.3 No No (No Data) 11935.12 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 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) 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;
(No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data)
2000039800 XXXX XXXX XXXX XXXX ATR/QM: Exempt (No Data) (No Data) XXXX (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 amt prepd (No Data) Yes Yes 1 7.8751 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 43.16 0 43.16 43.16 43.16 (No Data) (No Data) (No Data) 37163.87 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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 (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (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) No (No Data) 0 (No Data) 0 No (No Data)
2000039860 XXXX XXXX XXXX XXXX ATR/QM: Exempt (No Data) (No Data) XXXX (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 5% of amt prepd (No Data) Yes Yes 1 6.6250 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 45.98 0 45.98 45.98 45.98 (No Data) (No Data) (No Data) 14856.77 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 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) 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 - 2 months;
W2 - 24 months;
(No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data)