EX-99.13 14 ex99-13.htm AMC SUPPLEMENTAL DATA

CSMC 2022-NQM1 Trust ABS-15G

Exhibit 99.13

Supplemental Data

Run Date - 1/13/2022 11:21:32 AM

AMC Loan ID Customer Loan ID Seller Loan ID Investor Loan Number TILA Status Loan Designation Application Date TRID GSE HOEPA Fees TILA Fees Rate Lock Date Calculated APR Original P&I Qualifying P&I Qualifying Rate Is Borrower Non Occupant Is Co Borrower Non Occupant Borrower Employment Indicator Co Borrower Employment Indicator Co Borrower 2 Employment Indicator Co Borrower 3 Employment Indicator Co Borrower2 Length of Employment Co Borrower3 Length of Employment Borrower Foreign National Indicator Co Borrower Foreign National Indicator Co Borrower 2 Foreign National Indicator Co Borrower 3 Foreign National Indicator Borrower Country Name Co Borrower Country Name Co Borrower2 Country Name Co Borrower3 Country Name Residual Income Num Units Annual Property Tax Annual Insurance Costs HOA Name HOA Address State Fee Amount Next Due Date HOA Payment Frequency Investor DTI QM DTI Non QM DTI Original Credit Report Date Qualifying Credit Score Third Wage Earner Original FICO Equifax Third Wage Earner Original FICO Experian Third Wage Earner Original FICO Transunion Fourth Wage Earner Original FICO Equifax Fourth Wage Earner Original FICO Experian Fourth Wage Earner Original FICO Transunion Most Recent Updated Credit Report Date 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 Most Recent Updated Co Borrower 2 FICO Most Recent Updated Co Borrower 3 FICO Co Borrower 2 Asset Verification Level Co Borrower 3 Asset Verification Level Co Borrower 2 Income Verification Level Co Borrower 3 Income Verification Level Co Borrower 2 Employment Verification Level Co Borrower 3 Employment Verification Level Asset Depletion Flag Bank Statements Flag Number of Statements Type of Statements Percent of Income From Statements Borrower Business Ownership % CoBorrower Business Ownership % P&L Type Income Doc Detail Tax Return Doc Details Document Level Most Recent Bankruptcy Type Most Recent Bankruptcy Filing Date Most Recent Bankruptcy Discharge Date Number of Bankruptcy Events Months Bankruptcy (7, 11)  Months Bankruptcy (13)  Most Recent Deed-in -Lieu Date Number of Deed-in-Lieu Events Months Deed-in-Lieu Most Recent Short Sale Date Number of Short Sale Events Months Short Sale (or Pre FC)  Most Recent Foreclosure Date Number of Foreclosure Events Months Foreclosure Prior Mortgage/Rent Late 30d in 24m  Prior Mortgage/Rent Late 60d in 24m  Prior Mortgage/Rent Late 90d in 24m  Has ACH Guideline Name UW Guideline Author QM Regulation Failures ATR QM Total Points and Fees Audit Loan Regulation Benchmark Date Benchmark Rate HUD 1 Page 1 Credits Total Collateral Underwriter Risk Score AUS Decision System Property Inspection Waiver (PIW) Rating Result Eligible For Rep and Warrant Relief Per Collateral Advisor Is Equity Shared Loan Investor Qualifying Rate Borrower Years of W2s CoBorrower Years of W2s Years of Personal Tax Returns Years of Business Tax Returns Years of 4506T Years of Tax Transcripts Months of Personal Bank Statements Months of Business Bank Statements Months of Profit and Loss Statements Expense Letter DSCR Inverse DSCR Subordinate Lien Type Is Shared Appreciation Mortgage Duration of Payout Months Seller VSH Indicator Seller Indicated VSH Guideline Validated VSH
215129173 [redacted] [redacted] Non QM Yes No $44,125.00 $48,299.11 6.655% $11,848.41 $12,483.81 6.623% No No Self-Employed US Citizen $26,051.78 1 [redacted] $4,119.00 40.774% 44.624% 40.774% 03/13/2018 697 03/27/2018 702 702 692 No Yes 24 Business 100.000% [Borrower -  Non-Primary Income - Bank Statements]; Bank Statements - Business - 2018
[Borrower -  Non-Primary Income - Bank Statements]; CPA Letter - 2018
[Borrower -  Non-Primary Income - Bank Statements]; Other - 2018
[Borrower -  Non-Primary Income - Bank Statements]; Third Party Verification - 2018
[Borrower -  Non-Primary Income - Bank Statements]; Third Party Verification - 2018
[Borrower -  Primary Income - Bank Statements]; Bank Statements - Business - 2018
[Borrower -  Primary Income - Bank Statements]; CPA Letter - 2018
[Borrower -  Primary Income - Bank Statements]; Other - 2018
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2018
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2018
[Borrower -  Primary Income - Bank Statements]; Other - 2014		 [Borrower]; 1084 or income worksheet - Year Not Available Bank Statements 0 0 0 [redacted] Other Income - Not to be used for qualifying
Other Income - Not to be used for qualifying
QM DTI		 $44,125.00 4.420% $0.00 None 6.623% 0 0 0 0 0 12 0.00 No 0.06655
215129241 [redacted] [redacted] N/A Yes No $1,530.05 No No US Citizen 1 [redacted] $1,027.80 0.000% 0.000% 0.000% 11/18/2017 756 No No Other 0 0 0 No [redacted] $0.00 0 0 0 0 0 0.00 No 1.19
216127635 [redacted] [redacted] Non QM Yes No $10,985.00 $12,320.49 7.720% $3,398.81 $3,398.81 7.460% No No Self-Employed US Citizen $29,789.23 1 [redacted] $4,689.36 13.219% 15.028% 13.219% 01/12/2019 680 No Yes 12 Business 100.000% [Borrower -  Primary Income - Bank Statements]; CPA Letter - 2019
[Borrower -  Primary Income - Bank Statements]; Bank Statements - Business - 2018
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2016		 [Borrower]; 1084 or income worksheet - Year Not Available Bank Statements 0 0 0 No [redacted] $10,985.00 4.820% $500.00 None N/A No 7.460% 0 0 0 0 0 12 0.00 No 0.0772
216127759 [redacted] [redacted] Non QM Yes No $10,453.80 $13,048.36 7.861% $3,071.81 $3,071.81 7.585% No No Self-Employed US Citizen $22,252.31 1 [redacted] $1,629.96 29.427% 29.427% 29.427% 04/17/2019 745 No Yes 12 Business 100.000% 100.000% [Borrower -  Primary Income - Bank Statements]; Bank Statements - Business - 2019
[Borrower -  Primary Income - Bank Statements]; CPA Letter - 2019
[Borrower -  Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2019
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2019		 [Borrower]; 4506 or 4506-T - 2018
[Borrower]; 4506 or 4506-T - 2017
[Borrower]; 4506 or 4506-T - 2016
[Borrower]; 4506 or 4506-T - 2015
[Borrower]; 1084 or income worksheet - Year Not Available		 Bank Statements 0 0 0 No [redacted] $10,453.80 4.030% $14,100.00 None N/A No 7.585% 0 0 0 4 0 12 0.00 No 0.07861
216127803 [redacted] [redacted] N/A Yes No $1,229.60 $1,366.90 7.685% No No US Citizen 1 [redacted] $411.00 0.000% 0.000% 0.000% 01/16/2019 721 No No Other 1 0 0 0 No [redacted] $0.00 No 7.685% 0 0 0 0 0 0.00 No 1.06
216127814 [redacted] [redacted] N/A Yes No $663.56 $663.56 7.625% No No 0 US Citizen 1 [redacted] $900.00 0.000% 0.000% 0.000% 01/29/2019 780 Level 1-Not Stated/Not Verified No No Other 0 0 0 Yes [redacted] $0.00 No 7.625% 0 0 0 0 0 0.00 No 1.18
216127819 [redacted] [redacted] N/A Yes No $620.44 $620.44 7.585% No No US Citizen US Citizen 3 [redacted] $684.96 0.000% 0.000% 0.000% 03/12/2019 768 No No Other 0 0 0 No [redacted] $0.00 No 7.585% 0 0 0 0 0 0 0.00 No 0.98
216127824 [redacted] [redacted] N/A Yes No $2,169.50 $2,169.50 7.710% No No US Citizen 1 [redacted] $1,496.04 0.000% 0.000% 0.000% 05/30/2019 720 No No Other 0 0 0 No [redacted] $0.00 No 7.710% 0 0 0 0 0 0 0.00 No 1.09
216127827 [redacted] [redacted] N/A Yes No $621.69 $621.69 7.635% No No US Citizen 2 [redacted] $1,374.96 0.000% 0.000% 0.000% 04/11/2019 678 No No Other 0 0 0 No [redacted] $0.00 No 7.635% 0 0 0 0 0 0 0.00 No 1.98
216127836 [redacted] [redacted] N/A Yes No $415.80 No No 0 0 US Citizen 1 [redacted] $363.00 0.000% 0.000% 0.000% 10/29/2018 705 Level 1-Not Stated/Not Verified Level 1-Not Stated/Not Verified No No Other 0 0 0 Yes [redacted] $0.00 No 0 0 0 0 0 0.00 No 1.48
216127847 [redacted] [redacted] N/A Yes No $376.00 $376.00 5.275% No No 0 US Citizen 1 [redacted] $1,212.96 0.000% 0.000% 0.000% 08/05/2020 756 Level 4-Stated/Verified as defined No No Other 0 0 0 No [redacted] $0.00 N/A No 5.275% 0 0 0 0 0 0.00 No 1.59
216127854 [redacted] [redacted] N/A Yes No $532.08 $532.08 4.750% No No 0 0 US Citizen US Citizen 1 [redacted] $641.64 0.000% 0.000% 0.000% 758 Level 1-Not Stated/Not Verified Level 1-Not Stated/Not Verified No No Other 0 0 0 No [redacted] $0.00 N/A No 4.750% 0 0 0 0 0 0.00 No 1.99
216127858 [redacted] [redacted] N/A Yes No $593.98 $593.98 5.650% No No 0 0 US Citizen US Citizen 1 [redacted] $1,357.20 0.000% 0.000% 0.000% 01/22/2021 697 Level 2-Stated/Not Verified Level 2-Stated/Not Verified No No Other 0 0 0 No [redacted] $0.00 N/A No 5.650% 0 0 0 0 0 0.00 No 1.88
216571918 [redacted] [redacted] Non QM Yes No $24,237.58 $27,879.37 4.394% $5,068.13 $5,068.13 4.187% No No Self-Employed US Citizen $70,853.33 1 [redacted] $2,066.04 11.817% 11.817% 11.817% 07/01/2021 716 No Yes 24 Business 100.000% 95.000% [Borrower -  Primary Income - Bank Statements]; Bank Statements - Business - 2021
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2021
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2020		 [Borrower]; 4506-C - 2020
[Borrower]; 4506-C - 2019
[Borrower]; 1084 or income worksheet - Year Not Available		 Bank Statements 0 0 0 No [redacted] Other Income - Not to be used for qualifying $24,237.58 2.830% $0.00 1.0 None Yes No 4.187% 0 0 0 2 0 24 0.00 No 0.04394
216571919 [redacted] [redacted] Non QM Yes No $11,720.00 $14,546.21 4.356% $5,165.37 $5,165.37 4.250% No No Self-Employed Not Employed US Citizen US Citizen $35,591.18 1 [redacted] $3,285.00 19.203% 19.203% 19.203% 07/29/2021 721 No Yes 24 Business 100.000% 100.000% [Borrower -  Primary Income - Bank Statements]; Bank Statements - Business - 2021
[Borrower -  Primary Income - Bank Statements]; CPA Letter - 2021
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2021
[Borrower -  Primary Income - Bank Statements]; Other - 2013		 [Borrower]; 1084 or income worksheet - Year Not Available Bank Statements 0 0 0 No [redacted] Other Income - Not to be used for qualifying $11,720.00 2.920% $0.00 1.1 None Yes No 4.250% 0 0 0 0 0 0 24 0.00 No 0.04356
216571920 [redacted] [redacted] Non QM Yes No $11,505.00 $14,241.34 4.448% $2,554.13 $2,554.13 4.237% No No Self-Employed US Citizen $12,723.72 1 [redacted] $959.04 27.889% 27.889% 27.889% 06/15/2021 805 No Yes 12 Business 100.000% 100.000% [Borrower -  Primary Income - Bank Statements]; Bank Statements - Business - 2021
[Borrower -  Primary Income - Bank Statements]; CPA Letter - 2021		 [Borrower]; 4506-C - 2020
[Borrower]; 4506-C - 2019
[Borrower]; 4506-C - 2018
[Borrower]; 1084 or income worksheet - Year Not Available		 Bank Statements 0 0 0 No [redacted] Other Income - Not to be used for qualifying $11,505.00 2.910% $0.00 3.0 None No No 4.237% 0 0 0 3 0 12 0.00 No 0.04448
216571921 [redacted] [redacted] Non QM Yes No $109,681.00 $110,802.19 4.129% $9,221.91 $13,407.20 3.887% No No Self-Employed US Citizen $46,257.00 1 [redacted] $14,015.28 35.983% 30.191% 35.983% 05/28/2021 705 No Yes 12 Business 100.000% 100.000% [Borrower -  Primary Income - Bank Statements]; Bank Statements - Business - 2021
[Borrower -  Primary Income - Bank Statements]; CPA Letter - 2021		 [Borrower]; 4506-C - 2020
[Borrower]; 4506-C - 2019
[Borrower]; 4506-C - 2018
[Borrower]; 1084 or income worksheet - Year Not Available		 Bank Statements 0 0 0 No [redacted] Other Income - Not to be used for qualifying
QM Deferment of Principal
QM Loan Term
QM Points and Fees 2021		 $109,681.00 2.800% $0.00 2.0 None No No 3.887% 0 0 0 3 0 12 0.00 No 0.04129
216571925 [redacted] [redacted] Non QM Yes No $11,890.00 $14,214.86 5.121% $3,699.03 $3,699.03 4.950% No No Employed Employed US Citizen US Citizen $7,058.56 1 [redacted] $2,451.96 40.434% 40.434% 40.434% 07/15/2021 735 No No [Borrower -  Primary Income - Wages]; Paystubs - 2021
[Borrower -  Primary Income - Wages]; Paystubs - 2021
[Borrower -  Primary Income - Wages]; Paystubs - 2021
[Borrower -  Primary Income - Wages]; VVOE - 2021
[Borrower -  Primary Income - Wages]; WVOE - 2021
[Borrower -  Primary Income - Wages]; W-2 - 2020
[Borrower -  Primary Income - Wages]; W-2 - 2019
[Coborrower(s) -  Primary Income - Wages]; Paystubs - 2021
[Coborrower(s) -  Primary Income - Wages]; Paystubs - 2021
[Coborrower(s) -  Primary Income - Wages]; VVOE - 2021
[Coborrower(s) -  Primary Income - Wages]; WVOE - 2021
[Coborrower(s) -  Primary Income - Wages]; W-2 - 2020		 [Borrower]; 4506-C - 2020
[Borrower]; Transcripts (1040) - 2020
[Borrower]; 1040 - 2020
[Borrower]; 1040 - 2019
[Borrower]; 4506-C - 2019
[Borrower]; 4506-C - 2018
[Borrower]; 1084 or income worksheet - Year Not Available
[Coborrower]; Transcripts (1040) - 2020
[Coborrower]; 1040 - 2020
[Coborrower]; 4506-C - 2020
[Coborrower]; 4506-C - 2019
[Coborrower]; Transcripts (1040) - 2019
[Coborrower]; 1040 - 2019
[Coborrower]; 4506-C - 2018
[Coborrower]; 1084 or income worksheet - Year Not Available		 2 Years Tax Returns 0 0 0 No [redacted] Overtime Bonus 2Yr Calc
Overtime Bonus 2Yr Calc
Overtime Bonus Declining		 $11,890.00 2.830% $0.00 2.2 None No No 4.950% 2 1 2 0 3 2 0.00 No 0.05121
216571926 [redacted] [redacted] Non QM Yes No $8,123.00 $10,834.97 3.989% $3,140.24 $3,140.24 3.875% No No Not Employed Not Employed US Citizen US Citizen $6,924.44 1 [redacted] $1,513.56 45.686% 45.686% 45.686% 06/18/2021 808 No No [Borrower -  Primary Income - Social Security]; Bank Statements - 2021
[Borrower -  Primary Income - Social Security]; Award Letter / Continuance Letter - 2020
[Borrower -  Non-Primary Income - IRA Distribution]; Bank Statements - 2021
[Coborrower(s) -  Primary Income - Social Security]; Bank Statements - 2021
[Coborrower(s) -  Primary Income - Social Security]; Award Letter / Continuance Letter -  Year Not Available		 [Borrower]; 1084 or income worksheet - Year Not Available
[Borrower]; 1084 or income worksheet - Year Not Available		 Other 0 0 0 No [redacted] Appendix Q Liabilities – Invalid Exclusion Basis
Non Taxable Income
QM DTI
Retirement Documentation		 $8,123.00 2.910% $0.00 1.0 None Yes No 3.875% 0 0 0 0 0 0 0.00 No 0.03989
216571930 [redacted] [redacted] Non QM Yes No $3,681.50 $4,165.58 4.607% $1,786.04 $1,786.04 4.512% No No Self-Employed US Citizen $9,843.89 1 [redacted] $1,394.04 23.703% 23.703% 23.703% 06/07/2021 774 No Yes 24 Business 100.000% 100.000% [Borrower -  Primary Income - Bank Statements]; Bank Statements - Business - 2021
[Borrower -  Primary Income - Bank Statements]; CPA Letter - 2021		 [Borrower]; 4506-C - 2020
[Borrower]; 4506-T - 2020
[Borrower]; 4506-C - 2019
[Borrower]; 4506-T - 2019
[Borrower]; 4506-C - 2018
[Borrower]; 4506-T - 2018
[Borrower]; 1084 or income worksheet - Year Not Available		 Bank Statements 0 0 0 No [redacted] Other Income - Not to be used for qualifying $3,681.50 2.950% $0.00 None No No 4.512% 0 0 0 3 0 24 0.00 No 0.04607
216571932 [redacted] [redacted] N/A Yes No $966.85 $966.85 4.825% No No US Citizen US Citizen 1 [redacted] $786.96 0.000% 0.000% 0.000% 08/06/2021 701 No No Other 0 0 0 No [redacted] $0.00 1.2 Yes No 4.825% 0 0 0 0 0 0 0.00 No 1.38
216571934 [redacted] [redacted] N/A Yes No $968.75 $968.75 5.375% No No 0 US Citizen 1 [redacted] $462.00 0.000% 0.000% 0.000% 06/25/2021 763 Level 4-Stated/Verified as defined No No Other 0 0 0 No [redacted] $0.00 1.0 Yes No 5.375% 0 0 0 0 0 0.00 No 1.32
216571935 [redacted] [redacted] Non QM Yes No $15,470.00 $22,406.37 4.618% $5,009.67 $6,754.73 4.520% No No Not Employed US Citizen $15,585.08 1 [redacted] $2,768.04 41.646% 35.112% 41.646% 09/01/2021 751 Yes No [Borrower -  Primary Income - Asset Depletion]; Bank Statements - 2021
[Borrower -  Primary Income - Asset Depletion]; Bank Statements - 2021
[Borrower -  Primary Income - Asset Depletion]; Bank Statements - 2021
[Borrower -  Primary Income - Asset Depletion]; Bank Statements - 2021		 [Borrower]; 4506-C - 2020
[Borrower]; 4506-C - 2019
[Borrower]; 1084 or income worksheet - Year Not Available		 Asset Depletion 0 0 0 No [redacted] Other Income - Not to be used for qualifying
QM Deferment of Principal
QM Loan Term		 $15,470.00 2.810% $0.00 2.6 None Yes No 4.520% 0 0 0 2 0 0.00 No 0.04618 Other
216571936 [redacted] [redacted] Non QM Yes No $5,800.00 $1,806.42 4.987% $1,604.26 $1,604.26 4.937% No No Self-Employed US Citizen $2,944.50 1 [redacted] $639.96 40.280% 40.280% 40.280% 09/14/2021 684 No Yes 12 Business 100.000% 100.000% [Borrower -  Primary Income - Bank Statements]; Bank Statements - Business - 2021
[Borrower -  Primary Income - Bank Statements]; CPA Letter - 2021		 [Borrower]; 4506-C - 2020
[Borrower]; 4506-C - 2019
[Borrower]; 1084 or income worksheet - Year Not Available		 Bank Statements 0 0 0 No [redacted] Other Income - Not to be used for qualifying $5,800.00 3.070% $0.00 1.0 None Yes No 4.937% 0 0 0 2 0 12 0.00 No 0.04987
216571937 [redacted] [redacted] Non QM Yes No $15,671.63 $5,179.17 4.370% $1,948.40 $1,948.40 4.262% No No Self-Employed Not Employed US Citizen US Citizen $17,955.49 1 [redacted] $3,417.96 23.762% 23.762% 23.762% 09/17/2021 743 No Yes 12 Business 100.000% 100.000% [Borrower -  Primary Income - Bank Statements]; Bank Statements - Business - 2021
[Borrower -  Primary Income - Bank Statements]; CPA Letter - 2021
[Borrower -  Primary Income - Bank Statements]; Other - 2020		 [Borrower]; 4506-C - 2020
[Borrower]; 4506-C - 2019
[Borrower]; 1084 or income worksheet - Year Not Available
[Coborrower]; 4506-C - 2020
[Coborrower]; 4506-C - 2019		 Bank Statements 3 2 0 No [redacted] Other Income - Not to be used for qualifying
QM Points and Fees 2021		 $15,671.63 2.920% $0.00 1.0 None Yes No 4.262% 0 0 0 0 2 0 12 0.00 No 0.0437
216571940 [redacted] [redacted] Non QM Yes No $18,160.00 $3,533.20 3.661% $5,138.18 $5,138.18 3.637% No No Self-Employed US Citizen $34,949.83 1 [redacted] $4,167.00 21.257% 21.257% 21.257% 08/15/2021 787 No Yes 24 Business 100.000% 100.000% [Borrower -  Primary Income - Bank Statements]; Bank Statements - Business - 2021
[Borrower -  Primary Income - Bank Statements]; CPA Letter - 2021
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2021		 [Borrower]; 4506-C - 2020
[Borrower]; 4506-C - 2019
[Borrower]; 1084 or income worksheet - Year Not Available		 Bank Statements 0 0 0 No [redacted] Other Income - Not to be used for qualifying $18,160.00 2.930% $0.00 1.0 None Yes No 3.637% 0 0 0 2 0 24 0.00 No 0.03661
216571941 [redacted] [redacted] N/A Yes No $2,252.28 $2,252.28 5.075% No No US Citizen 2 [redacted] $417.12 0.000% 0.000% 0.000% 08/14/2021 811 No No Other 0 0 0 No [redacted] $0.00 No No 5.075% 0 0 0 0 0 0.00 No 0.85
216571942 [redacted] [redacted] N/A Yes No $510.70 $510.70 6.075% No No US Citizen 1 [redacted] $2,327.64 0.000% 0.000% 0.000% 09/17/2021 697 No No Other 0 0 0 No [redacted] $0.00 1.2 Yes No 6.075% 0 0 0 0 0 0.00 No 1.54
216571943 [redacted] [redacted] Non QM Yes No $5,785.00 $7,405.16 4.199% $2,164.48 $2,164.48 4.062% No No Self-Employed Self-Employed US Citizen US Citizen $5,956.68 1 [redacted] $778.20 49.001% 49.001% 49.001% 06/28/2021 717 No Yes 48 Business 100.000% 50.000% 50.000% [Borrower -  Primary Income - Bank Statements]; Bank Statements - Business - 2021
[Borrower -  Primary Income - Bank Statements]; CPA Letter - 2021
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2021
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2021
[Borrower -  Non-Primary Income - Bank Statements]; Bank Statements - Business - 2021
[Borrower -  Non-Primary Income - Bank Statements]; CPA Letter - 2021
[Borrower -  Non-Primary Income - Bank Statements]; Third Party Verification - 2021
[Borrower -  Non-Primary Income - Bank Statements]; Third Party Verification - 2021
[Coborrower(s) -  Primary Income - Bank Statements]; Bank Statements - Business - 2021
[Coborrower(s) -  Primary Income - Bank Statements]; CPA Letter - 2021
[Coborrower(s) -  Primary Income - Bank Statements]; Third Party Verification - 2021
[Coborrower(s) -  Primary Income - Bank Statements]; Third Party Verification - 2021
[Coborrower(s) -  Non-Primary Income - Bank Statements]; Bank Statements - Business - 2021
[Coborrower(s) -  Non-Primary Income - Bank Statements]; CPA Letter - 2021
[Coborrower(s) -  Non-Primary Income - Bank Statements]; Third Party Verification - 2021
[Coborrower(s) -  Non-Primary Income - Bank Statements]; Third Party Verification - 2021		 [Borrower]; 4506-C - 2020
[Borrower]; 4506-C - 2019
[Borrower]; 1084 or income worksheet - Year Not Available
[Borrower]; 1084 or income worksheet - Year Not Available
[Coborrower]; 4506-C - 2020
[Coborrower]; 4506-C - 2019
[Coborrower]; 1084 or income worksheet - Year Not Available
[Coborrower]; 1084 or income worksheet - Year Not Available		 Bank Statements 0 0 0 Yes [redacted] Other Income - Not to be used for qualifying
Other Income - Not to be used for qualifying
Other Income - Not to be used for qualifying
Other Income - Not to be used for qualifying
QM DTI		 $5,785.00 2.930% $0.00 1.0 None Yes No 4.062% 0 0 0 0 2 0 24 0.00 No 0.04199
216571945 [redacted] [redacted] Non QM Yes No $17,977.50 $18,743.21 3.527% $2,606.88 $4,290.29 3.470% No No Self-Employed US Citizen $13,320.34 1 [redacted] $4,232.04 32.836% 24.348% 32.836% 07/13/2021 792 No Yes 48 Business 100.000% 100.000% [Borrower -  Primary Income - Bank Statements]; Bank Statements - Business - 2021
[Borrower -  Primary Income - Bank Statements]; CPA Letter - 2021
[Borrower -  Non-Primary Income - Bank Statements]; Bank Statements - Business - 2021
[Borrower -  Non-Primary Income - Bank Statements]; CPA Letter - 2021		 [Borrower]; 4506-C - 2020
[Borrower]; 4506-C - 2019
[Borrower]; 1084 or income worksheet - Year Not Available
[Borrower]; 1084 or income worksheet - Year Not Available		 Bank Statements 0 0 0 No [redacted] Other Income - Not to be used for qualifying
Other Income - Not to be used for qualifying
QM Deferment of Principal
QM Loan Term		 $17,977.50 2.810% $0.00 1.0 None Yes No 3.470% 0 0 0 2 0 24 0.00 No 0.03527
216571946 [redacted] [redacted] Non QM Yes No $16,131.69 $6,631.55 4.916% $1,938.91 $1,938.91 4.762% No No Not Employed US Citizen $6,057.59 1 [redacted] $3,985.92 38.064% 38.064% 38.064% 09/14/2021 807 Yes No [Borrower -  Primary Income - Asset Depletion]; Bank Statements - 2021
[Borrower -  Primary Income - Asset Depletion]; Bank Statements - 2021
[Borrower -  Primary Income - Asset Depletion]; Bank Statements - 2021
[Borrower -  Primary Income - Asset Depletion]; Bank Statements - 2021		 [Borrower]; 4506-C - 2020
[Borrower]; 4506-C - 2019
[Borrower]; 1084 or income worksheet - Year Not Available		 Asset Depletion 0 0 0 No [redacted] Other Income - Not to be used for qualifying
QM Points and Fees 2021		 $16,131.69 2.920% $0.00 1.7 None Yes No 4.762% 0 0 0 2 0 0.00 No 0.04916 Other
216571952 [redacted] [redacted] N/A Yes No $745.14 $745.14 4.950% No No US Citizen 3 [redacted] $1,274.04 0.000% 0.000% 0.000% 08/05/2021 786 No No Other 0 0 0 No [redacted] $0.00 No No 4.950% 0 0 0 0 0 0.00 No 2.51
216571953 [redacted] [redacted] N/A Yes No $734.02 $734.02 4.983% No No 0 US Citizen 1 [redacted] $660.00 0.000% 0.000% 0.000% 07/15/2021 737 Level 4-Stated/Verified as defined No No Other 0 0 0 Yes [redacted] $0.00 4.8 No No 4.983% 0 0 0 0 0 0.00 No 1.45
216571954 [redacted] [redacted] N/A Yes No $2,121.74 $2,121.74 4.950% No No US Citizen 4 [redacted] $1,398.00 0.000% 0.000% 0.000% 07/19/2021 766 No No Other 0 0 0 Yes [redacted] $0.00 No No 4.950% 0 0 0 0 0 0.00 No 1.08
216571955 [redacted] [redacted] N/A Yes No $3,062.89 $3,062.89 5.575% No No US Citizen 1 [redacted] $1,800.96 0.000% 0.000% 0.000% 07/13/2021 776 No No Other 0 0 0 No [redacted] $0.00 3.8 No No 5.575% 0 0 0 0 0 0.00 No 0.45
216571956 [redacted] [redacted] N/A Yes No $2,779.39 $2,779.39 4.575% No No US Citizen 3 [redacted] $1,478.04 0.000% 0.000% 0.000% 08/10/2021 754 No No Other 0 0 0 No [redacted] $0.00 No No 4.575% 0 0 0 0 0 0.00 No 1
216571957 [redacted] [redacted] Non QM Yes No $26,470.00 $27,593.40 4.088% $4,089.59 $4,089.59 3.825% No No Self-Employed US Citizen $9,927.61 1 [redacted] $1,535.04 36.072% 36.072% 36.072% 08/11/2021 688 No No Third Party Prepared (Unaudited) [Borrower -  Primary Income - S-Corp (>= 25%)]; CPA Letter - 2021
[Borrower -  Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021
[Borrower -  Primary Income - S-Corp (>= 25%)]; 1120S - 2020
[Borrower -  Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020
[Borrower -  Primary Income - S-Corp (>= 25%)]; K-1 - 2020
[Borrower -  Primary Income - S-Corp (>= 25%)]; W-2 - 2020
[Borrower -  Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2020
[Borrower -  Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019
[Borrower -  Primary Income - S-Corp (>= 25%)]; W-2 - 2019
[Borrower -  Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2019		 [Borrower]; Transcripts (1040) - 2020
[Borrower]; 1040 - 2020
[Borrower]; Transcripts (1040) - 2020
[Borrower]; 4506-C - 2020
[Borrower]; 4506-C - 2019
[Borrower]; Transcripts (1040) - 2019
[Borrower]; Transcripts (1040) - 2019
[Borrower]; 1084 or income worksheet - Year Not Available		 1 Year Tax Returns 0 0 0 No [redacted] Income Method of Calculation
QM Points and Fees 2021
S-Corp Income Documentation Test		 $26,470.00 2.820% $0.00 1.0 None Yes No 3.825% 2 1 0 2 2 17.97 No 0.04088
216571958 [redacted] [redacted] Non QM Yes No $14,260.00 $3,326.53 4.630% $3,320.74 $3,320.74 4.587% No No Self-Employed US Citizen $5,154.82 1 [redacted] $2,333.16 47.264% 47.264% 47.264% 08/03/2021 742 No Yes 24 Business 100.000% 100.000% [Borrower -  Primary Income - Bank Statements]; Bank Statements - Business - 2021
[Borrower -  Primary Income - Bank Statements]; CPA Letter - 2021
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2021
[Borrower -  Primary Income - Bank Statements]; Bank Statements - Business - 2020
[Borrower -  Primary Income - Bank Statements]; Other - 2020		 [Borrower]; 4506-C - 2020
[Borrower]; 4506-C - 2019
[Borrower]; 1084 or income worksheet - Year Not Available		 Bank Statements 0 0 0 No [redacted] Appendix Q Liabilities - Less than 10 Months
Other Income - Not to be used for qualifying
QM DTI		 $14,260.00 2.930% $0.00 1.0 None Yes No 4.587% 0 0 0 2 0 24 0.00 No 0.0463
216571959 [redacted] [redacted] Non QM Yes No $4,337.00 $1,846.59 4.487% $1,555.12 $1,555.12 4.437% No No Self-Employed Self-Employed US Citizen US Citizen $4,052.62 1 [redacted] $2,172.00 45.557% 45.557% 45.557% 07/26/2021 744 No Yes 25 Business 100.000% 50.000% 50.000% [Borrower -  Primary Income - Bank Statements]; Bank Statements - Business - 2021
[Borrower -  Primary Income - Bank Statements]; CPA Letter - 2021
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2019
[Coborrower(s) -  Primary Income - Bank Statements]; Bank Statements - Business - 2021
[Coborrower(s) -  Primary Income - Bank Statements]; CPA Letter - 2021
[Coborrower(s) -  Primary Income - Bank Statements]; Third Party Verification - 2019		 [Borrower]; 4506-C - 2020
[Borrower]; 4506-C - 2019
[Borrower]; 1084 or income worksheet - Year Not Available
[Coborrower]; 4506-C - 2020
[Coborrower]; 4506-C - 2019
[Coborrower]; 1084 or income worksheet - Year Not Available		 Bank Statements 0 0 0 Yes [redacted] Other Income - Not to be used for qualifying
Other Income - Not to be used for qualifying
QM DTI		 $4,337.00 2.930% $0.00 2.1 None No No 4.437% 0 0 0 0 2 0 24 0.00 No 0.04487
216571963 [redacted] [redacted] Non QM Yes No $7,291.00 $3,656.36 5.130% $1,850.14 $1,850.14 5.037% No No Self-Employed US Citizen $6,464.24 1 [redacted] $369.96 36.934% 36.934% 36.934% 08/09/2021 732 No Yes 12 Business 100.000% 100.000% [Borrower -  Primary Income - Bank Statements]; Bank Statements - Business - 2021
[Borrower -  Primary Income - Bank Statements]; CPA Letter - 2021		 [Borrower]; 4506-C - 2020
[Borrower]; 4506-C - 2019
[Borrower]; 1084 or income worksheet - Year Not Available		 Bank Statements 0 0 0 No [redacted] Other Income - Not to be used for qualifying $7,291.00 2.920% $7,000.00 1.6 None Yes No 5.037% 0 0 0 2 0 12 0.00 No 0.0513
216571964 [redacted] [redacted] Non QM Yes No $8,035.00 $2,254.82 4.299% $1,473.54 $1,473.54 4.237% No No Self-Employed US Citizen $7,852.33 1 [redacted] $1,497.00 31.075% 31.075% 31.075% 08/06/2021 801 No Yes 24 Business 100.000% 100.000% [Borrower -  Primary Income - Bank Statements]; Bank Statements - Business - 2021
[Borrower -  Primary Income - Bank Statements]; CPA Letter - 2021		 [Borrower]; 4506-C - 2020
[Borrower]; 4506-C - 2019
[Borrower]; 1084 or income worksheet - Year Not Available		 Bank Statements 0 0 0 No [redacted] Other Income - Not to be used for qualifying $8,035.00 2.920% $0.00 3.3 None Yes No 4.237% 0 0 0 2 0 24 0.00 No 0.04299
216572696 [redacted] [redacted] N/A Yes No $1,553.27 $1,553.27 4.950% No No Permanent Resident Alien 1 [redacted] $534.96 0.000% 0.000% 0.000% 08/08/2021 698 No No Other 0 0 0 No [redacted] $0.00 1.1 No No 4.950% 0 0 0 0 0 0.00 No 1.22
216572697 [redacted] [redacted] N/A Yes No $795.18 $795.18 4.890% No No US Citizen US Citizen 1 [redacted] $233.04 0.000% 0.000% 0.000% 08/18/2021 778 No No Other 0 0 0 Yes [redacted] $0.00 1.0 Yes No 4.890% 0 0 0 0 0 0 0.00 No 1.35
216572698 [redacted] [redacted] Non QM Yes No $83,797.50 $14,868.94 4.781% $14,948.80 $14,948.80 4.737% No No Self-Employed Not Employed US Citizen US Citizen $38,052.16 1 [redacted] $2,139.96 38.250% 38.250% 38.250% 08/05/2021 782 No Yes 24 Business 100.000% 100.000% Audited [Borrower -  Primary Income - Bank Statements]; Audited P&L - 2021
[Borrower -  Primary Income - Bank Statements]; Bank Statements - Business - 2021
[Borrower -  Primary Income - Bank Statements]; CPA Letter - 2021
[Borrower -  Primary Income - Bank Statements]; Other - 2021
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2021		 [Borrower]; 1084 or income worksheet - Year Not Available Bank Statements 0 0 0 No [redacted] Other Income - Not to be used for qualifying $83,797.50 3.000% $0.00 3.0 None No No 4.737% 0 0 0 0 0 0 24 8.00 No 0.04781
216572700 [redacted] [redacted] N/A Yes No $7,657.00 $6,208.65 5.612% $768.76 $768.76 5.200% No No Not Employed Employed Employed 34.65 5.67 US Citizen US Citizen $8,424.11 1 [redacted] $1,602.96 45.657% 45.657% 45.657% 07/22/2021 729 Level 4-Stated/Verified as defined Level 4-Stated/Verified as defined Level 5-Stated/Verified as defined Level 5-Stated/Verified as defined Level 3-Stated/Verified as defined Level 3-Stated/Verified as defined No No [Coborrower(s) -  Primary Income - Wages]; Paystubs - 2021
[Coborrower(s) -  Primary Income - Wages]; Paystubs - 2021
[Coborrower(s) -  Primary Income - Wages]; VVOE - 2021
[Coborrower(s) -  Primary Income - Wages]; WVOE - 2021
[Coborrower(s) -  Primary Income - Wages]; Paystubs - 2020
[Coborrower(s) -  Primary Income - Wages]; W-2 - 2020
[Coborrower(s) -  Primary Income - Wages]; Paystubs - 2019
[Coborrower(s) -  Primary Income - Wages]; W-2 - 2019
[Coborrower(s) -  Primary Income - Wages]; Paystubs - 2021
[Coborrower(s) -  Primary Income - Wages]; VVOE - 2021
[Coborrower(s) -  Primary Income - Wages]; WVOE - 2021
[Coborrower(s) -  Primary Income - Wages]; W-2 - 2020
[Coborrower(s) -  Primary Income - Wages]; W-2 - 2019		 Other 0 0 0 No [redacted] None $7,657.00 2.920% $0.00 1.4 None No No 5.200% 0 0 0 0 0 0.00 No 0.05612
216572701 [redacted] [redacted] Non QM Yes No $3,357.50 $4,000.53 4.245% $1,470.60 $1,470.60 4.137% No No Self-Employed Permanent Resident Alien $5,130.16 1 [redacted] $1,238.04 36.397% 36.397% 36.397% 07/09/2021 742 No Yes 12 Business 100.000% 100.000% [Borrower -  Primary Income - Bank Statements]; Bank Statements - Business - 2021
[Borrower -  Primary Income - Bank Statements]; CPA Letter - 2021
[Borrower -  Primary Income - Bank Statements]; Other - 2017		 [Borrower]; 4506-C - 2020
[Borrower]; 4506-C - 2019
[Borrower]; 4506-C - 2018
[Borrower]; 4506-C - 2017
[Borrower]; 1084 or income worksheet - Year Not Available		 Bank Statements 0 0 0 Yes [redacted] Other Income - Not to be used for qualifying $3,357.50 2.820% $0.00 2.6 None Yes No 4.137% 0 0 0 4 0 12 0.00 No 0.04245
216572705 [redacted] [redacted] N/A Yes No $922.30 $922.30 4.200% No No 0 0 US Citizen US Citizen 1 [redacted] $1,671.00 0.000% 0.000% 0.000% 08/11/2021 730 Level 4-Stated/Verified as defined Level 4-Stated/Verified as defined No No Other 0 0 0 Yes [redacted] $0.00 N/A No 4.200% 0 0 0 0 0 0.00 No 1.06
216572707 [redacted] [redacted] Non QM Yes No $9,385.00 $10,639.26 4.934% $2,820.80 $2,820.80 4.762% No No Not Employed Not Employed US Citizen US Citizen $12,645.99 1 [redacted] $3,761.04 32.752% 32.752% 32.752% 09/14/2021 694 Yes No [Borrower -  Primary Income - Asset Depletion]; Bank Statements - 2021
[Borrower -  Primary Income - Asset Depletion]; Bank Statements - 2021		 [Borrower]; 4506-C - 2020
[Borrower]; 4506-C - 2019
[Borrower]; 1084 or income worksheet - Year Not Available
[Coborrower]; 4506-C - 2020
[Coborrower]; 4506-C - 2019		 Asset Depletion 0 0 0 No [redacted] Other Income - Not to be used for qualifying $9,385.00 2.920% $0.00 1.0 None No No 4.762% 0 0 0 0 2 0 0.00 No 0.04934 Other
216572824 [redacted] [redacted] N/A Yes No $1,173.38 $1,173.38 4.825% No No 0 US Citizen 1 [redacted] $1,305.00 0.000% 0.000% 0.000% 09/09/2021 804 Level 4-Stated/Verified as defined No No Other 0 0 0 No [redacted] $0.00 3.0 No No 4.825% 0 0 0 0 0 0.00 No 1.16
216572825 [redacted] [redacted] Non QM Yes No $1,085.00 $1,910.01 4.837% $3,387.72 $3,387.72 4.812% No No Self-Employed Self-Employed US Citizen US Citizen $8,016.17 1 [redacted] $3,736.20 41.626% 41.626% 41.626% 09/13/2021 748 No Yes 73 Personal, Business 61.000% 100.000% 100.000% [Borrower -  Primary Income - Bank Statements]; Bank Statements - Business - 2021
[Borrower -  Primary Income - Bank Statements]; CPA Letter - 2021
[Borrower -  Primary Income - Bank Statements]; Other - 2021
[Borrower -  Non-Primary Income - Wages]; Paystubs - 2021
[Borrower -  Non-Primary Income - Wages]; Paystubs - 2021
[Borrower -  Non-Primary Income - Wages]; The Work Number - Employment Only - 2021
[Borrower -  Non-Primary Income - Wages]; W-2 - 2020
[Borrower -  Non-Primary Income - Wages]; W-2 - 2019
[Borrower -  Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021
[Borrower -  Non-Primary Income - Social Security]; Bank Statements - 2021
[Borrower -  Non-Primary Income - Bank Statements]; Bank Statements - Personal - 2021
[Borrower -  Non-Primary Income - Bank Statements]; CPA Letter - 2021
[Coborrower(s) -  Primary Income - Bank Statements]; Bank Statements - Business - 2021
[Coborrower(s) -  Primary Income - Bank Statements]; CPA Letter - 2021
[Coborrower(s) -  Primary Income - Bank Statements]; Other - 2021		 [Borrower]; 4506-C - 2020
[Borrower]; 4506-C - 2019
[Borrower]; 1084 or income worksheet - Year Not Available
[Coborrower]; 4506-C - 2020
[Coborrower]; 4506-C - 2019
[Coborrower]; 1084 or income worksheet - Year Not Available		 Bank Statements 0 0 0 No [redacted] Other Income - Not to be used for qualifying
Other Income - Not to be used for qualifying
Other Income - Not to be used for qualifying		 $1,085.00 2.920% $0.00 1.0 None Yes No 4.812% 2 0 0 0 2 0 24 24 0.00 No 0.04837
216572826 [redacted] [redacted] Non QM Yes No $14,705.00 $15,438.55 5.287% $7,467.96 $7,467.96 5.187% No No Self-Employed US Citizen $54,014.38 1 [redacted] $8,902.80 33.562% 33.562% 33.562% 07/13/2021 711 No Yes 36 Business 100.000% 100.000% [Borrower -  Primary Income - Bank Statements]; Bank Statements - Business - 2021
[Borrower -  Primary Income - Bank Statements]; CPA Letter - 2021
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2021
[Borrower -  Primary Income - Bank Statements]; Other - 2003
[Borrower -  Non-Primary Income - Bank Statements]; Bank Statements - Business - 2021
[Borrower -  Non-Primary Income - Bank Statements]; CPA Letter - 2021
[Borrower -  Non-Primary Income - Bank Statements]; Third Party Verification - 2021
[Borrower -  Non-Primary Income - Bank Statements]; Bank Statements - Business - 2021
[Borrower -  Non-Primary Income - Bank Statements]; CPA Letter - 2021
[Borrower -  Non-Primary Income - Bank Statements]; Third Party Verification - 2021		 [Borrower]; 4506-C - 2020
[Borrower]; 4506-C - 2019
[Borrower]; 1084 or income worksheet - Year Not Available		 Bank Statements 0 0 0 No [redacted] Other Income - Not to be used for qualifying
Other Income - Not to be used for qualifying
Other Income - Not to be used for qualifying		 $14,705.00 2.920% $0.00 4.7 None Yes No 5.187% 0 0 0 2 0 12 0.00 No 0.05287
216572827 [redacted] [redacted] N/A Yes No $7,074.60 $5,987.88 5.652% $669.92 $669.92 5.200% No No Not Employed Employed Employed 34.65 5.67 US Citizen US Citizen $8,297.31 1 [redacted] $1,664.04 48.076% 48.076% 48.076% 07/22/2021 729 Level 4-Stated/Verified as defined Level 4-Stated/Verified as defined Level 5-Stated/Verified as defined Level 5-Stated/Verified as defined Level 3-Stated/Verified as defined Level 3-Stated/Verified as defined No No [Coborrower(s) -  Primary Income - Wages]; Paystubs - 2021
[Coborrower(s) -  Primary Income - Wages]; Paystubs - 2021
[Coborrower(s) -  Primary Income - Wages]; Paystubs - 2021
[Coborrower(s) -  Primary Income - Wages]; VVOE - 2021
[Coborrower(s) -  Primary Income - Wages]; WVOE - 2021
[Coborrower(s) -  Primary Income - Wages]; Paystubs - 2020
[Coborrower(s) -  Primary Income - Wages]; W-2 - 2020
[Coborrower(s) -  Primary Income - Wages]; Paystubs - 2019
[Coborrower(s) -  Primary Income - Wages]; W-2 - 2019
[Coborrower(s) -  Primary Income - Wages]; Paystubs - 2021
[Coborrower(s) -  Primary Income - Wages]; Paystubs - 2021
[Coborrower(s) -  Primary Income - Wages]; VVOE - 2021
[Coborrower(s) -  Primary Income - Wages]; WVOE - 2021
[Coborrower(s) -  Primary Income - Wages]; W-2 - 2020
[Coborrower(s) -  Primary Income - Wages]; W-2 - 2019		 [Borrower]; 4506-C - 2020
[Borrower]; 4506-C - 2019		 Other 0 0 0 No [redacted] None $7,074.60 2.920% $0.00 1.0 None No No 5.200% 0 0 0 2 0 0.00 No 0.05652