EX-99.6 7 ex99-6.htm AMC SUPPLEMENTAL DATA

 

CSMC 2022-NQM3 Trust ABS-15G

 

Exhibit 99.6

 

 

Supplemental Data

Run Date - 4/19/2022 11:23:10 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 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 IO Remaining Amortization Term at Recast Maturity Date
207985450 [redacted] [redacted]   Non QM   Yes No $1,190.00 $2,649.82   8.224% $3,014.64 $3,577.10 10.750% No No Self-Employed           US Citizen               $5,994.70 1 [redacted] $1,488.00           21.522% 21.333% 19.375% 04/12/2018 630                                                       No Yes 35 Business 100.000%       [Borrower -  Primary Income - Bank Statements]; CPA Letter - 2018
[Borrower -  Primary Income - Bank Statements]; Other - 2018
[Borrower -  Primary Income - Bank Statements]; Other - 2018
[Borrower -  Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2018
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2018
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2018
[Borrower -  Primary Income - Bank Statements]; Account Statements - Business - 2017
[Borrower -  Primary Income - Bank Statements]; Other - 2017
[Borrower -  Primary Income - Bank Statements]; Other - 2017
[Borrower -  Primary Income - Bank Statements]; Other - 2017
[Borrower -  Primary Income - Bank Statements]; Other - 2016
[Borrower -  Non-Primary Income - Bank Statements]; CPA Letter - 2018
[Borrower -  Non-Primary Income - Bank Statements]; Third Party Verification - 2018
[Borrower -  Non-Primary Income - Bank Statements]; Account Statements - Business - 2017
[Borrower -  Non-Primary Income - Bank Statements]; Other - 2016
[Borrower -  Non-Primary Income - Bank Statements]; Other - 2016
[Borrower]; 4506 or 4506-T - 2017
[Borrower]; 4506 or 4506-T - 2016
[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
$1,190.00   4.410% $0.00   None         10.750% 0   0 0 2 0   11 0.00 No   0.08224               [redacted]
208735307 [redacted] [redacted]   N/A   Yes No         $683.82 $683.82 7.125% No No         0       US Citizen             1 [redacted] $1,367.04           0.000% 0.000% 0.000% 09/18/2019 708                                           Level 1-Not Stated/Not Verified           No No                 Other                               0 0 0 Yes   [redacted]         $0.00           No 7.125% 0   0 0 0 0     0.00 No 1.16                 [redacted]
208735308 [redacted] [redacted]   N/A   Yes No         $896.05 $896.05 7.125% No No         0       US Citizen             1 [redacted] $1,797.96           0.000% 0.000% 0.000% 09/18/2019 708                                           Level 1-Not Stated/Not Verified           No No                 Other                               0 0 0 Yes   [redacted]         $0.00           No 7.125% 0   0 0 0 0     0.00 No 1.28                 [redacted]
208735342 [redacted] [redacted]   N/A   Yes No         $838.74 $838.74 7.625% No No         0       US Citizen             2 [redacted] $2,647.80           0.000% 0.000% 0.000% 09/18/2019 681                                           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 1.57                 [redacted]
208735346 [redacted] [redacted]   N/A   Yes No         $6,243.03 $6,390.81 6.853% No No         0       US Citizen             1 [redacted] $5,844.96           0.000% 0.000% 0.000% 09/18/2019 686                                           Level 1-Not Stated/Not Verified           No No                 Other                               0 0 0 Yes   [redacted]         $0.00           No 6.853% 0   0 0 0 0     0.00 No 1.7                 [redacted]
209986000 [redacted] [redacted]   Non QM   Yes No $9,535.00 $10,927.56   6.562% $10,416.48 $10,416.48 6.500% No No Self-Employed           US Citizen               $16,371.18 1 [redacted] $2,517.12           47.524% 47.524% 47.524% 01/24/2020 685                                                       No Yes 12 Business 100.000% 100.000%   Borrower Prepared [Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2020
[Borrower -  Primary Income - Bank Statements]; Account Statements - Business - 2019
[Borrower -  Primary Income - Bank Statements]; Borrower-prepared P&L - 2019
[Borrower -  Primary Income - Bank Statements]; Other - 2014
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2014
[Borrower]; 1084 or income worksheet - Year Not Available Bank Statements       1                       0 0 0     [redacted] Other Income - Not to be used for qualifying
QM DTI
$9,535.00   3.710% $0.00   None     N/A No 6.500% 0   0 0 0 0   12 0.00 No   0.06562               [redacted]
209986001 [redacted] [redacted]   Non QM   Yes No $9,614.00 $11,394.54   5.693% $3,148.96 $3,148.96 5.500% No No Self-Employed           US Citizen               $5,911.99 1 [redacted] $1,152.96           45.055% 51.008% 45.055% 11/06/2019 671                                                       No No           Audited [Borrower -  Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2020
[Borrower -  Primary Income - Sole Proprietor]; Third Party Verification - 2020
[Borrower -  Primary Income - Sole Proprietor]; CPA Letter - 2019
[Borrower -  Primary Income - Sole Proprietor]; P&L Statement - 2019
[Borrower -  Primary Income - Sole Proprietor]; Third Party Verification - 2016
[Borrower -  Primary Income - Sole Proprietor]; Third Party Verification - 2008
[Borrower]; 4506 or 4506-T - 2018
[Borrower]; 4506 or 4506-T - 2017
[Borrower]; 1084 or income worksheet - Year Not Available
Other                               0 0 0     [redacted] QM DTI
QM Employment History
Self-Employed Tax Return Recency
Sole Proprietorship Income Documentation Test
$9,614.00   3.990% $0.00   None     N/A No 5.500% 0   0 0 2 0     12.00 No   0.05693               [redacted]
209986080 [redacted] [redacted]   N/A   Yes No         $1,355.49 $1,590.46 7.964% No No             US Citizen                 1 [redacted] $378.00           0.000% 0.000% 0.000% 09/25/2019 668                                                       No No                 Other       1                       0 0 0 No             $0.00           No 7.964% 0   0 0 0 0     0.00 No 1.09                 [redacted]
211367829 [redacted] [redacted]   N/A   Yes No         $912.41 $912.41 6.375% No No         0       US Citizen             1 [redacted] $818.76           0.000% 0.000% 0.000% 10/28/2019 651                                           Level 4-Stated/Verified as defined           No No                 Other                               0 0 0 No   [redacted]         $0.00         N/A No 6.375% 0   0 0 0 0     0.00 No 1.8                 [redacted]
211367831 [redacted] [redacted]   N/A   Yes No         $1,832.51 $1,832.51 7.125% No No         0       US Citizen             2 [redacted] $2,241.36           0.000% 0.000% 0.000% 02/03/2020 777                                           Level 3-Stated/Partially Verified           No No                 Other                               0 0 0 No   [redacted]         $0.00         N/A No 7.125% 0   0 0 0 0     0.00 No 1.15                 [redacted]
211367833 [redacted] [redacted]   N/A   Yes No         $2,541.68 $2,541.68 7.375% No No         0       US Citizen             4 [redacted] $3,289.56           0.000% 0.000% 0.000% 02/03/2020 703                                           Level 3-Stated/Partially Verified           No No                 Other                               0 0 0 Yes   [redacted]         $0.00         N/A No 7.375% 0   0 0 0 0     0.00 No 1.24                 [redacted]
211367842 [redacted] [redacted]   N/A   Yes No         $682.18 $682.18 7.250% No No         0       US Citizen             1 [redacted] $636.00           0.000% 0.000% 0.000% 12/17/2019 726                                           Level 1-Not Stated/Not Verified           No No                 Other                               0 0 0 No   [redacted]         $0.00         N/A No 7.250% 0   0 0 0 0     0.00 No 1.14                 [redacted]
211367862 [redacted] [redacted]   N/A   Yes No         $1,928.74 $1,928.74 6.875% No No         0       US Citizen             2 [redacted] $1,637.64           0.000% 0.000% 0.000% 02/03/2020 777                                           Level 4-Stated/Verified as defined           No No                 Other                               0 0 0 No   [redacted]         $0.00         N/A No 6.875% 0   0 0 0 0     0.00 No 1.26                 [redacted]
211367864 [redacted] [redacted]   N/A   Yes No         $906.68 $906.68 6.625% No No         0       US Citizen             1 [redacted] $906.00           0.000% 0.000% 0.000% 02/03/2020 771                                           Level 4-Stated/Verified as defined           No No                 Other                               0 0 0 No   [redacted]         $0.00         N/A No 6.625% 0   0 0 0 0     0.00 No 1.24                 [redacted]
211367875 [redacted] [redacted]   N/A   Yes No         $1,671.23 $1,671.23 6.875% No No         0       US Citizen             2 [redacted] $1,144.92           0.000% 0.000% 0.000% 02/03/2020 777                                           Level 4-Stated/Verified as defined           No No                 Other                               0 0 0 No   [redacted]         $0.00         N/A No 6.875% 0   0 0 0 0     0.00 No 1.39                 [redacted]
211367882 [redacted] [redacted]   N/A   Yes No         $1,039.87 $1,039.87 6.625% No No         0       US Citizen             2 [redacted] $1,093.92           0.000% 0.000% 0.000% 02/03/2020 777                                           Level 4-Stated/Verified as defined           No No                 Other                               0 0 0 No   [redacted]         $0.00         N/A No 6.625% 0   0 0 0 0     0.00 No 1.66                 [redacted]
211367903 [redacted] [redacted]   N/A   Yes No         $2,375.92 $2,375.92 7.375% No No         0       US Citizen             4 [redacted] $3,313.56           0.000% 0.000% 0.000% 02/03/2020 717                                           Level 4-Stated/Verified as defined           No No                 Other                               0 0 0 No   [redacted]         $0.00         No No 7.375% 0   0 0 0 0     0.00 No 1.17                 [redacted]
211367904 [redacted] [redacted]   N/A   Yes No         $1,886.41 $1,886.41 7.125% No No         0       US Citizen             1 [redacted] $1,518.72           0.000% 0.000% 0.000% 02/10/2020 802                                           Level 4-Stated/Verified as defined           No No                 Other                               0 0 0 No   [redacted]         $0.00         N/A No 7.125% 0   0 0 0 0     0.00 No 1.2                 [redacted]
211367906 [redacted] [redacted]   N/A   Yes No         $1,516.96 $1,516.96 6.500% No No         0       US Citizen             3 [redacted] $800.04           0.000% 0.000% 0.000% 02/03/2020 777                                           Level 4-Stated/Verified as defined           No No                 Other                               0 0 0 No   [redacted]         $0.00         N/A No 6.500% 0   0 0 0 0     0.00 No 1.61                 [redacted]
211367910 [redacted] [redacted]   N/A     No         $1,261.30 $1,261.30 6.875% No No         0       US Citizen             1 [redacted] $903.96           0.000% 0.000% 0.000% 02/26/2020 737                                           Level 4-Stated/Verified as defined           No No                 Other                               0 0 0 No   [redacted]         $0.00         N/A No 6.875% 0   0 0 0 0     0.00 No 1.14                 [redacted]
211367911 [redacted] [redacted]   N/A   Yes No         $1,165.37 $1,165.37 6.625% No No         0 0     US Citizen US Citizen           1 [redacted] $1,230.00           0.000% 0.000% 0.000% 02/26/2020 737                                           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 6.625% 0   0 0 0 0     0.00 No 1.18                 [redacted]
211367912 [redacted] [redacted]   N/A   Yes No         $2,033.85 $2,033.85 6.875% No No         0 0     US Citizen Not Provided           2 [redacted] $1,144.92           0.000% 0.000% 0.000% 02/03/2020 777                                           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 6.875% 0   0 0 0 0     0.00 No 1.25                 [redacted]
211367917 [redacted] [redacted]   N/A   Yes No         $565.58 $565.58 6.750% No No         0 0     US Citizen US Citizen           1 [redacted] $911.04           0.000% 0.000% 0.000% 01/29/2020 781                                           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 6.750% 0   0 0 0 0     0.00 No 1.61                 [redacted]
211367922 [redacted] [redacted]   N/A   Yes No         $1,516.96 $1,516.96 6.500% No No         0       US Citizen             2 [redacted] $1,132.80           0.000% 0.000% 0.000% 02/03/2020 777                                           Level 4-Stated/Verified as defined           No No                 Other                               0 0 0 No   [redacted]         $0.00         N/A No 6.500% 0   0 0 0 0     0.00 No 1.43                 [redacted]
211367927 [redacted] [redacted]   N/A   Yes No         $2,443.17 $2,443.17 6.250% No No         0       US Citizen             4 [redacted] $3,200.04           0.000% 0.000% 0.000% 02/03/2020 777                                           Level 4-Stated/Verified as defined           No No                 Other                               0 0 0 No   [redacted]         $0.00         N/A No 6.250% 0   0 0 0 0     0.00 No 1.84                 [redacted]
211367935 [redacted] [redacted]   N/A   Yes No         $1,573.81 $1,573.81 7.125% No No         0       US Citizen             2 [redacted] $1,190.28           0.000% 0.000% 0.000% 02/03/2020 777                                           Level 4-Stated/Verified as defined           No No                 Other                               0 0 0 No   [redacted]         $0.00         Yes No 7.125% 0   0 0 0 0     0.00 No 1.08                 [redacted]
211367936 [redacted] [redacted]   N/A   Yes No         $797.68 $797.68 7.125% No No         0       US Citizen             1 [redacted] $1,231.32           0.000% 0.000% 0.000% 11/24/2019 692                                           Level 4-Stated/Verified as defined           No No                 Other                               0 0 0 No   [redacted]         $0.00         N/A No 7.125% 0   0 0 0 0     0.00 No 1.15                 [redacted]
211367939 [redacted] [redacted]   N/A   Yes No         $1,156.19 $1,156.19 6.875% No No         0       US Citizen             1 [redacted] $877.20           0.000% 0.000% 0.000% 02/04/2020 738                                           Level 1-Not Stated/Not Verified           No No                 Other                               0 0 0 No   [redacted]         $0.00         N/A No 6.875% 0   0 0 0 0     0.00 No 1.22                 [redacted]
211367951 [redacted] [redacted]   N/A   Yes No         $1,960.44 $1,960.44 6.250% No No         0       US Citizen             3 [redacted] $3,099.96           0.000% 0.000% 0.000% 02/03/2020 777                                           Level 4-Stated/Verified as defined           No No                 Other                               0 0 0 No   [redacted]         $0.00         N/A No 6.250% 0   0 0 0 0     0.00 No 1.61                 [redacted]
211367953 [redacted] [redacted]   N/A   Yes No         $1,967.31 $1,967.31 6.500% No No         0       US Citizen             3 [redacted] $1,768.08           0.000% 0.000% 0.000% 02/11/2020 694                                           Level 4-Stated/Verified as defined           No No                 Other                               0 0 0 No   [redacted]         $0.00         N/A No 6.500% 0   0 0 0 0     0.00 No 1.57                 [redacted]
211367967 [redacted] [redacted]   N/A   Yes No         $1,706.08 $1,706.08 7.500% No No         0       US Citizen             3 [redacted] $2,045.04           0.000% 0.000% 0.000% 02/06/2020 731                                           Level 4-Stated/Verified as defined           No No                 Other                               0 0 0 No   [redacted]         $0.00         N/A No 7.500% 0   0 0 0 0     0.00 No 1.41                 [redacted]
211367976 [redacted] [redacted]   N/A   Yes No         $1,731.24 $1,731.24 6.375% No No         0       US Citizen             1 [redacted] $2,073.96           0.000% 0.000% 0.000% 02/19/2020 667                                           Level 3-Stated/Partially Verified           No No                 Other                               0 0 0 No   [redacted]         $0.00         N/A No 6.375% 0   0 0 0 0     0.00 No 1.59                 [redacted]
211367991 [redacted] [redacted]   N/A   Yes No         $5,229.32 $5,229.32 6.750% No No         0       US Citizen             4 [redacted] $2,752.32           0.000% 0.000% 0.000% 02/18/2020 695                                           Level 1-Not Stated/Not Verified           No No                 Other                               0 0 0 No   [redacted]         $0.00         N/A No 6.750% 0   0 0 0 0     0.00 No 1.34                 [redacted]
211367996 [redacted] [redacted]   N/A   Yes No         $1,330.00 $1,330.00 7.000% No No         0       US Citizen             2 [redacted] $995.04           0.000% 0.000% 0.000% 02/11/2020 675                                           Level 4-Stated/Verified as defined           No No                 Other                               0 0 0 Yes   [redacted]         $0.00         N/A No 7.000% 0   0 0 0 0     0.00 No 1.7               300 [redacted]
211367999 [redacted] [redacted]   N/A   Yes No         $747.67 $747.67 7.250% No No         0       Not Provided             1 [redacted] $1,784.04           0.000% 0.000% 0.000% 02/12/2020 712                                           Level 1-Not Stated/Not Verified           No No                 Other                               0 0 0 No   [redacted]         $0.00         N/A No 7.250% 0   0 0 0 0     0.00 No 1.17                 [redacted]
211368022 [redacted] [redacted]   N/A   Yes No         $1,150.97 $1,150.97 7.000% No No         0       US Citizen             1 [redacted] $1,223.40           0.000% 0.000% 0.000% 02/12/2020 679                                           Level 1-Not Stated/Not Verified           No No                 Other                               0 0 0 No   [redacted]         $0.00         N/A No 7.000% 0   0 0 0 0     0.00 No 1.15                 [redacted]
211368024 [redacted] [redacted]   N/A   Yes No         $2,014.72 $2,014.72 6.500% No No         0       US Citizen             3 [redacted] $2,739.36           0.000% 0.000% 0.000% 02/11/2020 694                                           Level 1-Not Stated/Not Verified           No No                 Other                               0 0 0 No   [redacted]         $0.00         N/A No 6.500% 0   0 0 0 0     0.00 No 1.85                 [redacted]
211600377 [redacted] [redacted]   Non QM   Yes No $13,374.00 $14,797.28   6.490% $7,720.39 $7,720.39 6.375% No No Self-Employed           US Citizen               $15,366.38 2 [redacted] $1,628.16           42.711% 42.711% 42.711% 09/16/2019 646                                                       No No           Borrower Prepared [Borrower -  Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2019
[Borrower -  Primary Income - S-Corp (>= 25%)]; Other - 2019
[Borrower -  Primary Income - S-Corp (>= 25%)]; P&L Statement - 2019
[Borrower -  Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2019
[Borrower -  Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2019
[Borrower -  Primary Income - S-Corp (>= 25%)]; 1120S - 2018
[Borrower -  Primary Income - S-Corp (>= 25%)]; K-1 - 2018
[Borrower -  Primary Income - S-Corp (>= 25%)]; W-2 - 2018
[Borrower -  Primary Income - S-Corp (>= 25%)]; 1120S - 2017
[Borrower -  Primary Income - S-Corp (>= 25%)]; K-1 - 2017
[Borrower -  Primary Income - S-Corp (>= 25%)]; W-2 - 2017
[Borrower]; 1040 - 2018
[Borrower]; Transcripts (1040) - 2018
[Borrower]; 4506 or 4506-T - 2018
[Borrower]; 1040 - 2017
[Borrower]; 4506 or 4506-T - 2017
[Borrower]; Transcripts (1040) - 2017
[Borrower]; 4506 or 4506-T - 2016
[Borrower]; 1084 or income worksheet - Year Not Available
2 Years Tax Returns       1                       0 0 0     [redacted] S-Corp Income Documentation Test $13,374.00   3.770% $0.00   None     N/A No 6.375% 2   2 0 3 2     18.27 No   0.0649               [redacted]
211600560 [redacted] [redacted]   Non QM   Yes No $12,405.91 $12,626.29   7.916% $2,193.09 $2,193.09 7.500% No No Self-Employed           US Citizen               $1,521.54 1 [redacted] $681.96           49.878% 49.878% 49.878% 05/09/2019 742                                                       No Yes 12 Business 100.000% 100.000%   Audited [Borrower -  Primary Income - Bank Statements]; Audited P&L - 2019
[Borrower -  Primary Income - Bank Statements]; CPA Letter - 2019
[Borrower -  Primary Income - Bank Statements]; Other - 2019
[Borrower -  Primary Income - Bank Statements]; Other - 2019
[Borrower -  Primary Income - Bank Statements]; Other - 2019
[Borrower -  Primary Income - Bank Statements]; Other - 2019
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 1997
[Borrower]; 4506 or 4506-T - 2018
[Borrower]; 4506 or 4506-T - 2017
[Borrower]; 4506 or 4506-T - 2016
[Borrower]; 1084 or income worksheet - Year Not Available
Bank Statements                               4 0 0     [redacted] Other Income - Not to be used for qualifying
QM DTI
QM Points and Fees
$12,405.91   4.140% $0.00 4.4 None     Yes No 7.500% 0   0 0 3 0   12 0.00 No   0.07916               [redacted]
215129054 [redacted] [redacted]   Non QM   Yes No $7,992.50 $10,715.62   7.377% $4,527.95 $4,527.95 7.250% No No Self-Employed           US Citizen               $18,059.11 1 [redacted] $1,752.96           49.552% 49.552% 49.552% 11/01/2017 667                                                       No Yes 12 Business 100.000%       [Borrower -  Primary Income - Bank Statements]; Account Statements - Business - 2017
[Borrower -  Primary Income - Bank Statements]; Other - 2017
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2017
[Borrower -  Primary Income - Bank Statements]; Other - 2016
  Bank Statements                               0 0 0     [redacted]   $7,992.50   3.850% $0.00   None         7.250% 0   0 0 0 0   12 0.00 No   0.07377               [redacted]
215129067 [redacted] [redacted]   Non QM   Yes No $7,538.75 $8,972.91   6.009% $2,405.78 $2,425.49 5.825% No No Self-Employed           US Citizen               $6,730.00 1 [redacted] $1,190.04           38.233% 42.482% 38.233% 10/11/2017 757                                                       No Yes 12 Business 100.000%       [Borrower -  Primary Income - Bank Statements]; Account Statements - Business - 2017
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2014
[Borrower]; 1084 or income worksheet - Year Not Available Bank Statements                               0 0 0     [redacted]   $7,538.75   3.840% $10,000.00   None         5.825% 0   0 0 0 0   12 0.00 No   0.06009               [redacted]
215129087 [redacted] [redacted]   Non QM   Yes No $17,781.50 $21,686.59   6.153% $3,771.05 $3,822.13 5.920% No No Self-Employed           Permanent Resident Alien               $85,828.60 1 [redacted] $1,700.04           11.301% 12.025% 11.267% 11/16/2017 704                                                       No Yes 12 Business 100.000%       [Borrower -  Primary Income - Bank Statements]; Account Statements - Business - 2017
[Borrower -  Primary Income - Bank Statements]; CPA Letter - 2017
[Borrower -  Primary Income - Bank Statements]; Other - 2017
[Borrower]; 4506 or 4506-T - 2016
[Borrower]; 4506 or 4506-T - 2015
[Borrower]; 4506 or 4506-T - 2014
[Borrower]; 4506 or 4506-T - 2013
[Borrower]; 1084 or income worksheet - Year Not Available
Bank Statements                               0 0 0     [redacted]   $17,781.50   3.990% $0.00   None         6.000% 0   0 0 4 0   12 0.00 No   0.06153               [redacted]
215129097 [redacted] [redacted]   Non QM   Yes No $12,750.44 $7,159.98   6.861% $1,768.86 $1,768.86 6.625% No No Self-Employed           US Citizen               $7,456.50 1 [redacted] $1,428.00           28.662% 31.898% 28.662% 11/02/2017 727                                                       No Yes 12 Business 100.000%       [Borrower -  Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2017
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2017
[Borrower]; 4506 or 4506-T - 2016
[Borrower]; 4506 or 4506-T - 2015
[Borrower]; 4506 or 4506-T - 2014
[Borrower]; 4506 or 4506-T - 2013
[Borrower]; 1084 or income worksheet - Year Not Available
Bank Statements                               0 0 0     [redacted]   $12,750.44   4.010% $500.00   None         6.625% 0   0 0 4 0   12 0.00 No   0.06861               [redacted]
215129099 [redacted] [redacted]   Non QM   Yes No $17,195.00 $9,712.90   6.787% $3,380.84 $3,380.84 6.625% No No Self-Employed           US Citizen               $17,746.97 1 [redacted] $738.12           43.787% 45.835% 43.787% 12/13/2017 740                                                       No Yes 16 Business 100.000%       [Borrower -  Primary Income - Bank Statements]; CPA Letter - 2017
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2017
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2015
[Borrower -  Primary Income - Bank Statements]; Other - 2010
[Borrower]; 4506 or 4506-T - 2016
[Borrower]; 4506 or 4506-T - 2015
[Borrower]; 4506 or 4506-T - 2014
[Borrower]; 1084 or income worksheet - Year Not Available
Bank Statements                               0 0 0     [redacted]   $17,195.00   4.010% $10,000.00   None         6.625% 0   0 0 3 0   16 0.00 No   0.06787               [redacted]
215129133 [redacted] [redacted]   N/A   Yes No $16,005.12 $10,553.35   7.641% $1,367.91 $1,367.91 5.750% No No Employed           Foreign National       [redacted]       $8,033.66 1 [redacted] $1,455.00           25.848% 28.381% 29.427% 12/27/2017 0                                                       No No             [Borrower -  Primary Income - Wages]; VVOE - 2018
[Borrower -  Primary Income - Wages]; Employer Letter - 2017
[Borrower -  Primary Income - Wages]; Paystubs - 2017
[Borrower]; 4506 or 4506-T - 2015
[Borrower]; 4506 or 4506-T - 2014
[Borrower]; 4506 or 4506-T - 2013
Other                               0 0 0     [redacted] None $16,005.12   4.170% $7,813.00   None         5.750% 0   0 0 3 0     0.00 No   0.07641               [redacted]
215129137 [redacted] [redacted]   Non QM   Yes No $29,250.00 $34,076.28   6.565% $7,570.31 $10,519.81 6.375% No No Self-Employed           US Citizen               $38,464.28 1 [redacted] $1,668.36           25.113% 23.994% 25.113% 01/16/2018 729                                                       No Yes 12 Business 100.000%       [Borrower -  Primary Income - Bank Statements]; CPA Letter - 2018
[Borrower -  Primary Income - Bank Statements]; D1C Income Verification Report - 2018
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2018
[Borrower -  Primary Income - Bank Statements]; Account Statements - Business - 2017
[Borrower -  Primary Income - Bank Statements]; Other - 2006
  Bank Statements                               0 0 0     [redacted] Other Income - Not to be used for qualifying
QM Deferment of Principal
$29,250.00   4.250% $0.00   None         6.375% 0   0 0 0 0   12 0.00 No   0.06565             240 [redacted]
215129160 [redacted] [redacted]   Non QM   Yes No $8,644.79 $11,803.29   7.547% $2,450.38 $2,450.38 7.250% No No Self-Employed           US Citizen               $13,943.63 1 [redacted] $2,133.60           24.739% 27.183% 24.739% 01/30/2018 671                                                       No Yes 12 Business 100.000%       [Borrower -  Primary Income - Bank Statements]; Account Statements - Business - 2018
[Borrower -  Primary Income - Bank Statements]; CPA Letter - 2018
[Borrower]; 4506 or 4506-T - 2015
[Borrower]; 4506 or 4506-T - 2014
[Borrower]; 1084 or income worksheet - Year Not Available
Bank Statements                               0 0 0     [redacted] Other Income - Not to be used for qualifying $8,644.79   4.210% $0.00   None         7.250% 0   0 0 2 0   12 0.00 No   0.07547               [redacted]
215129166 [redacted] [redacted]   Non QM   Yes No $7,085.00 $8,425.87   6.579% $2,326.26 $2,495.03 6.666% No No Self-Employed           US Citizen               $11,390.78 1 [redacted] $1,388.04           25.516% 27.423% 25.516% 01/25/2018 789                                                       No Yes 12 Business 100.000%       [Borrower -  Primary Income - Bank Statements]; Account Statements - Business - 2018
[Borrower -  Primary Income - Bank Statements]; CPA Letter - 2018
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2018
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2018
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2011
[Borrower]; 1084 or income worksheet - Year Not Available Bank Statements                               0 0 0     [redacted] Other Income - Not to be used for qualifying $7,085.00   4.420% $0.00   None         6.666% 0   0 0 0 0   12 0.00 No   0.06579               [redacted]
215129180 [redacted] [redacted]   Non QM   Yes No $7,875.00 $10,528.59   6.370% $2,042.50 $2,182.69 6.371% No No Self-Employed Not Employed         US Citizen US Citizen             $8,454.59 1 [redacted] $1,779.96           42.677% 44.505% 42.677% 01/15/2018 691                                                       No Yes 12 Business 100.000%       [Borrower -  Primary Income - Bank Statements]; CPA Letter - 2018
[Borrower -  Primary Income - Bank Statements]; Other - 2018
[Borrower -  Primary Income - Bank Statements]; Account Statements - Business - 2017
  Bank Statements                               1 0 0     [redacted] Other Income - Not to be used for qualifying
QM DTI
$7,875.00   4.450% $0.00   None         6.371% 0 0 0 0 0 0   12 0.00 No   0.0637               [redacted]
215129183 [redacted] [redacted]   Non QM   Yes No $20,823.58 $22,137.22   7.370% $11,658.79 $11,658.79 8.250% No No Self-Employed           US Citizen               $27,698.26 1 [redacted] $1,443.96           34.963% 39.752% 34.963% 12/11/2018 659                                                       No Yes 13 Personal 100.000%       [Borrower -  Primary Income - Bank Statements]; Account Statements - Personal - 2018
[Borrower -  Primary Income - Bank Statements]; CPA Letter - 2018
[Borrower -  Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2018
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2018
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2018
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2018
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2018
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2018
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2018
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2018
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2018
[Borrower]; 4506 or 4506-T - 2017
[Borrower]; 4506 or 4506-T - 2016
[Borrower]; 1084 or income worksheet - Year Not Available
Bank Statements                               0 0 0     [redacted] Other Income - Not to be used for qualifying $20,823.58   4.960% $0.00   None     N/A No 8.250% 0   0 0 2 0 13   0.00 No   0.0737               [redacted]
215129190 [redacted] [redacted]   Non QM   Yes No $73,905.00 $82,399.48   6.900% $22,163.35 $22,163.35 6.685% No No Self-Employed Self-Employed         Foreign National Foreign National     [redacted] [redacted]     $195,245.16 1 [redacted] $7,880.28           17.502% 19.287% 17.502% 08/16/2019 0                                                       No No             [Borrower -  Primary Income - S-Corp (>= 25%)]; CPA Letter - 2019
[Borrower -  Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2019
[Coborrower(s) -  Primary Income - S-Corp (>= 25%)]; CPA Letter - 2019
[Coborrower(s) -  Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2019
[Borrower]; 4506 or 4506-T - 2017
[Borrower]; 4506 or 4506-T - 2016
[Borrower]; 1084 or income worksheet - Year Not Available
[Coborrower]; 4506 or 4506-T - 2017
[Coborrower]; 4506 or 4506-T - 2016
Other                               1 0 0 Yes   [redacted] S-Corp Income Documentation Test
S-Corp Income Documentation Test
$73,905.00   4.130% $0.00   None     N/A No 6.685% 0 0 0 0 2 0     0.00 No   0.069               [redacted]
215129191 [redacted] [redacted]   Non QM   Yes No $7,050.00 $4,042.13   6.714% $2,918.69 $2,918.69 6.750% No No Employed           Foreign National       [redacted]       $15,311.89 2 [redacted] $1,946.04           20.236% 23.124% 20.236% 09/28/2018 0                                                       No No             [Borrower -  Primary Income - Wages]; Employer Letter - 2018
[Borrower -  Primary Income - Wages]; WVOE - 2018
[Borrower -  Primary Income - Wages]; Paystubs - 2017
[Borrower]; 4506 or 4506-T - 2017
[Borrower]; 4506 or 4506-T - 2016
Other                               0 0 0     [redacted] None $7,050.00   5.010% $0.00   None     N/A No 6.750% 0   0 0 2 0     0.00 No   0.06714               [redacted]
215129225 [redacted] [redacted]   N/A   Yes No         $1,852.50     No No             US Citizen                 1 [redacted] $1,458.00           0.000% 0.000% 0.000% 07/27/2017 714                                                       No No                 Other                               0 0 0 No   [redacted]         $0.00               0   0 0 0 0     0.00 No 1.18               240 [redacted]
215129231 [redacted] [redacted]   N/A   Yes No         $1,131.85     No No             US Citizen                 1 [redacted] $555.96           0.000% 0.000% 0.000% 11/27/2017 685                                                       No No                 Other                               0 0 0 No   [redacted]         $0.00               0   0 0 0 0     0.00 No 1.06                 [redacted]
215129235 [redacted] [redacted]   N/A   Yes No         $1,723.08     No No             US Citizen                 4 [redacted] $3,221.40           0.000% 0.000% 0.000% 11/06/2017 641                                                       No No                 Other                               0 0 0 No   [redacted]         $0.00               0   0 0 0 0     0.00 No 1.78                 [redacted]
215129334 [redacted] [redacted]   N/A   Yes No         $2,862.42     No No             US Citizen                 1 [redacted] $1,670.04           0.000% 0.000% 0.000% 05/08/2018 685                                                       No No                 Other                               0 0 0 No   [redacted]         $0.00           No   0   0 0 0 0     0.00 No 2.39               276 [redacted]
215129343 [redacted] [redacted]   N/A   Yes No         $1,532.19 $1,532.19 7.000% No No             US Citizen                 1 [redacted] $1,997.04           0.000% 0.000% 0.000% 07/16/2019 733                                                       No No                 Other                               0 0 0 Yes             $0.00           No 7.000% 0   0 0 0 0     0.00 No 1.44                 [redacted]
215129347 [redacted] [redacted]   N/A     No         $9,242.13 $10,595.08 6.880% No No         0       US Citizen             10 [redacted] $0.00           0.000% 0.000% 0.000% 07/09/2019 761                                           Level 4-Stated/Verified as defined           No No                 Other                               0 0 0 Yes             $0.00           No 6.880% 0   0 0 0 0     0.00 No 1.29               240 [redacted]
215129353 [redacted] [redacted]   N/A   Yes No         $821.33 $821.33 5.600% No No         0       US Citizen             7 [redacted] $2,997.00           0.000% 0.000% 0.000% 01/27/2020 638                                           Level 4-Stated/Verified as defined           No No                 Other                               0 0 0 No   [redacted]         $0.00           No 5.600% 0   0 0 0 0     0.00 No 3.66               240 [redacted]
216127609 [redacted] [redacted]   Non QM   Yes No $9,372.50 $1,982.33   6.826% $5,049.97 $5,625.19 7.625% No No Self-Employed Self-Employed         US Citizen US Citizen             $7,562.13 1 [redacted] $1,212.12           52.185% 56.923% 52.185% 08/08/2018 676                                                       No Yes 48 Business 100.000%     Borrower Prepared [Borrower -  Primary Income - Bank Statements]; Borrower-prepared P&L - 2018
[Borrower -  Primary Income - Bank Statements]; CPA Letter - 2018
[Borrower -  Primary Income - Bank Statements]; Other - 2018
[Borrower -  Primary Income - Bank Statements]; Account Statements - Business - 2016
[Coborrower(s) -  Primary Income - Bank Statements]; Account Statements - Business - 2018
[Coborrower(s) -  Primary Income - Bank Statements]; CPA Letter - 2018
[Coborrower(s) -  Primary Income - Bank Statements]; Borrower-prepared P&L - 2017
[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
[Coborrower]; 4506 or 4506-T - 2017
[Coborrower]; 4506 or 4506-T - 2016
[Coborrower]; 4506 or 4506-T - 2015
[Coborrower]; 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 Deferment of Principal
QM DTI
QM Loan Term
$9,372.50   4.750% $0.00   None     N/A No 7.625% 0 0 0 0 3 0   24 0.00 No   0.06826             360 [redacted]
216127610 [redacted] [redacted]   Non QM   Yes No $1,472.00 $2,324.35   7.466% $1,018.17 $1,018.17 7.335% No No Self-Employed           US Citizen               $2,040.86 1 [redacted] $552.96           41.531% 41.531% 41.531% 01/02/2019 696                                                       No Yes 12 Business 83.000%       [Borrower -  Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2019
[Borrower -  Primary Income - Bank Statements]; Account Statements - Business - 2018
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2012
[Borrower -  Non-Primary Income - Foster Care]; Paystubs - 2019
[Borrower -  Non-Primary Income - Foster Care]; Award Letter / Continuance Letter - 2018
[Borrower]; 1084 or income worksheet - Year Not Available Bank Statements                               0 0 0 No   [redacted]   $1,472.00   4.480% $0.00   None     N/A No 7.335% 0   0 0 0 0   12 0.00 No   0.07466               [redacted]
216127636 [redacted] [redacted]   Non QM   Yes No $18,105.00 $20,826.58   8.742% $8,435.26 $8,435.26 8.550% No No Employed           US Citizen               $38,627.31 1 [redacted] $7,793.04           46.139% 48.163% 46.139% 02/01/2019 638                                                       No Yes 12 Business 71.000%     Borrower Prepared [Borrower -  Primary Income - Wages]; Paystubs - 2019
[Borrower -  Primary Income - Wages]; VVOE - 2019
[Borrower -  Primary Income - Wages]; W-2 - 2018
[Borrower -  Primary Income - Wages]; W-2 - 2017
[Borrower -  Non-Primary Income - Bank Statements]; Account Statements - Business - 2019
[Borrower -  Non-Primary Income - Bank Statements]; Borrower-prepared P&L - 2019
[Borrower -  Non-Primary Income - Bank Statements]; CPA Letter - 2019
[Borrower -  Non-Primary Income - Bank Statements]; Third Party Verification - 2019
[Borrower]; 4506 or 4506-T - 2017
[Borrower]; 4506 or 4506-T - 2016
[Borrower]; 1084 or income worksheet - Year Not Available
Bank Statements                               0 0 0 No   [redacted]   $18,105.00   4.850% $0.00   None     N/A No 8.550% 2   0 0 2 0   12 0.00 No   0.08742               [redacted]
216127644 [redacted] [redacted]   Non QM   Yes No $8,313.75 $6,911.16   7.970% $3,069.75 $3,069.75 7.835% No No Self-Employed           US Citizen               $48,417.65 1 [redacted] $2,466.96           11.852% 11.852% 11.852% 03/13/2019 673                                                       No Yes 12 Business 100.000% 100.000%     [Borrower -  Primary Income - Bank Statements]; Account Statements - Business - 2019
[Borrower -  Primary Income - Bank Statements]; CPA Letter - 2019
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 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]; 1084 or income worksheet - Year Not Available
Bank Statements                               0 0 0 No   [redacted]   $8,313.75   4.390% $15,000.00   None     N/A No 7.835% 0   0 0 3 0   12 0.00 No   0.0797               [redacted]
216127688 [redacted] [redacted]   Non QM   Yes No $14,745.00 $21,812.82   6.441% $8,158.25 $8,280.26 6.391% No No Not Employed Not Employed         US Citizen US Citizen             $19,003.23 1 [redacted] $3,053.04           42.990% 47.402% 42.990% 01/16/2019 643                                                       No No             [Borrower -  Primary Income - Trust Income]; Account Statements - 2019
[Borrower -  Primary Income - Trust Income]; Cancelled Checks - 2017
[Borrower -  Primary Income - Trust Income]; Trust Agreement - 2007
[Borrower -  Primary Income - Trust Income]; Trustee's Statement -  Year Not Available
[Borrower]; 4506 or 4506-T - 2018
[Borrower]; 4506 or 4506-T - 2017
Other                               0 0 0     [redacted] QM DTI $14,745.00   4.810% $0.00   None     N/A No 6.391% 0 0 0 0 2 0     0.00 No   0.06441               [redacted]
216127704 [redacted] [redacted]   Non QM   Yes No $3,025.00 $4,973.28   7.518% $10,734.38 $12,009.05 7.500% No No Self-Employed Employed         US Citizen US Citizen             $15,944.21 1 [redacted] $4,193.04           57.271% 61.526% 57.271%   684                                                       No No           Audited [Borrower -  Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2019
[Borrower -  Primary Income - S-Corp (>= 25%)]; P&L Statement - 2018
[Borrower -  Primary Income - S-Corp (>= 25%)]; 1120S - 2017
[Borrower -  Primary Income - S-Corp (>= 25%)]; K-1 - 2017
[Borrower -  Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2015
[Borrower -  Non-Primary Income - Pension]; Account Statements - 2019
[Borrower -  Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2018
[Coborrower(s) -  Primary Income - Wages]; Paystubs - 2019
[Coborrower(s) -  Primary Income - Wages]; VVOE - 2019
[Coborrower(s) -  Primary Income - Wages]; WVOE - 2019
[Coborrower(s) -  Primary Income - Wages]; W-2 - 2018
[Coborrower(s) -  Primary Income - Wages]; W-2 - 2017
[Borrower]; Tax Return Extension - 2018
[Borrower]; 4506 or 4506-T - 2018
[Borrower]; Transcripts (1040) - 2017
[Borrower]; 1040 - 2017
[Borrower]; 4506 or 4506-T - 2017
[Borrower]; 4506 or 4506-T - 2016
[Borrower]; Transcripts (1040) - 2016
[Borrower]; 1084 or income worksheet - Year Not Available
[Borrower]; 1084 or income worksheet - Year Not Available
[Coborrower]; Tax Return Extension - 2018
[Coborrower]; 4506 or 4506-T - 2018
[Coborrower]; 4506 or 4506-T - 2017
[Coborrower]; 1040 - 2017
[Coborrower]; Transcripts (1040) - 2017
[Coborrower]; 4506 or 4506-T - 2016
[Coborrower]; 1084 or income worksheet - Year Not Available
1 Year Tax Returns                               1 0 0 No   [redacted]   $3,025.00   4.610% $0.00   None     N/A No 8.052% 0 2 1 0 3 2     24.00 No   0.07518             360 [redacted]
216127715 [redacted] [redacted]   Non QM   Yes No $29,215.00 $34,165.25   8.413% $13,653.86 $13,653.86 8.235% No No Self-Employed           US Citizen               $169,617.50 1 [redacted] $7,123.68           10.657% 10.657% 10.657% 02/21/2019 705                                                       No Yes 12 Business 100.000% 100.000%     [Borrower -  Primary Income - Bank Statements]; Account Statements - Business - 2019
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2019
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2011
[Borrower]; 1084 or income worksheet - Year Not Available Bank Statements                               0 0 0 No   [redacted]   $29,215.00   4.180% $0.00   None     N/A No 8.235% 0   0 0 0 0   12 0.00 No   0.08413               [redacted]
216127718 [redacted] [redacted]   Non QM   Yes No $39,609.88 $8,294.47   7.366% $10,462.00 $10,462.00 7.360% No Yes Self-Employed Employed         US Citizen US Citizen             $32,767.13 1 [redacted] $5,798.04           32.140% 36.120% 32.140% 04/05/2019 707                                                       No Yes 12 Personal 83.000% 100.000%     [Borrower -  Primary Income - Bank Statements]; Account Statements - Personal - 2019
[Borrower -  Primary Income - Bank Statements]; CPA Letter - 2019
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2019
[Coborrower(s) -  Primary Income - Wages]; Paystubs - 2019
[Coborrower(s) -  Primary Income - Wages]; VVOE - 2019
[Coborrower(s) -  Primary Income - Wages]; W-2 - 2018
[Coborrower(s) -  Primary Income - Wages]; W-2 - 2017
[Borrower]; 4506 or 4506-T - 2018
[Borrower]; 4506 or 4506-T - 2017
[Borrower]; 4506 or 4506-T - 2016
[Borrower]; 1084 or income worksheet - Year Not Available
[Borrower]; 1084 or income worksheet - Year Not Available
[Coborrower]; 4506 or 4506-T - 2018
[Coborrower]; 4506 or 4506-T - 2017
[Coborrower]; 4506 or 4506-T - 2016
[Coborrower]; 1084 or income worksheet - Year Not Available
Bank Statements                               0 0 0 No   [redacted]   $39,609.88   4.660% $53,541.00   None     N/A No 7.360% 0 2 0 0 3 0 12   0.00 No   0.07366               [redacted]
216127763 [redacted] [redacted]   Non QM   Yes No $12,997.00 $14,368.39   6.766% $3,676.82 $3,676.82 6.535% No No Self-Employed           US Citizen               $12,901.84 1 [redacted] $2,553.96           38.234% 38.234% 38.234% 06/10/2019 706                                                       No No           Borrower Prepared [Borrower -  Primary Income - Sole Proprietor]; CPA Letter - 2019
[Borrower -  Primary Income - Sole Proprietor]; P&L Statement - 2019
[Borrower -  Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2019
[Borrower -  Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2018
[Borrower -  Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2017
[Borrower]; Transcripts (1040) - 2018
[Borrower]; Transcripts (1040) - No Results Returned - 2018
[Borrower]; 4506 or 4506-T - 2018
[Borrower]; 4506 or 4506-T - 2017
[Borrower]; Transcripts (1040) - 2017
[Borrower]; 1040 - 2017
[Borrower]; 4506 or 4506-T - 2016
[Borrower]; Transcripts (1040) - 2016
[Borrower]; 1084 or income worksheet - Year Not Available
1 Year Tax Returns                               0 0 0 No   [redacted]   $12,997.00   3.860% $1,500.00   None     N/A No 6.535% 0   1 0 3 3     16.97 No   0.06766               [redacted]
216127767 [redacted] [redacted]   Non QM   Yes No $5,679.25 $7,221.24   7.055% $1,929.73 $1,929.73 6.835% No No Self-Employed Not Employed         US Citizen US Citizen             $14,111.85 1 [redacted] $1,246.80           32.438% 32.438% 32.438% 05/23/2019 706                                                       No Yes 12 Business 100.000% 100.000%     [Borrower -  Primary Income - Bank Statements]; Account Statements - Business - 2019
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2017
[Borrower -  Primary Income - Bank Statements]; Third Party Verification - 2017
[Borrower]; 4506 or 4506-T - 2017
[Borrower]; 4506 or 4506-T - 2016
[Borrower]; 1084 or income worksheet - Year Not Available
[Borrower]; 1084 or income worksheet - Year Not Available
[Coborrower]; 4506 or 4506-T - 2017
[Coborrower]; 4506 or 4506-T - 2016
Bank Statements                               0 0 0 No   [redacted]   $5,679.25   4.030% $0.00   None     N/A No 6.835% 0 0 0 0 2 0   12 0.00 No   0.07055               [redacted]
216127793 [redacted] [redacted]   N/A   Yes No         $1,230.01 $1,230.01 6.835% No No         0   US Citizen US Citizen               2 [redacted] $1,008.00           0.000% 0.000% 0.000% 02/07/2019 723                                           Level 3-Stated/Partially Verified           No No                 Other                               0 0 0 No   [redacted]         $0.00           No 6.835% 0 0 0 0 0 0     0.00 No 1.55                 [redacted]
216127800 [redacted] [redacted]   N/A   Yes No         $1,062.42     No No         0   US Citizen                 1 [redacted] $1,163.04           0.000% 0.000% 0.000% 06/07/2018 685                                                       No No                 Other                               0 0 0 No   [redacted]         $0.00           No   0   0 0 0 0     0.00 No 1.21               240 [redacted]
216127820 [redacted] [redacted]   N/A   Yes No         $602.66 $602.66 8.985% No No             US Citizen                 1 [redacted] $1,002.72           0.000% 0.000% 0.000% 05/15/2019 673                                                       No No                 Other                               0 0 0 No   [redacted]         $0.00           No 8.985% 0   0 0 0 0     0.00 No 1.09                 [redacted]
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             $0.00           No   0   0 0 0 0     0.00 No 1.48                 [redacted]
216127843 [redacted] [redacted]   N/A   Yes No         $468.20 $468.20 6.575% No No         0       US Citizen             1 [redacted] $630.96           0.000% 0.000% 0.000% 09/18/2020 667                                           Level 4-Stated/Verified as defined           No No                 Other                               0 0 0 No   [redacted]         $0.00         N/A No 6.575% 0   0 0 0 0     0.00 No 1.56                 [redacted]
216127846 [redacted] [redacted]   N/A   Yes No         $1,394.02 $1,394.02 5.650% No No         0       US Citizen               [redacted] $0.00           0.000% 0.000% 0.000% 12/02/2020 710                                           Level 2-Stated/Not Verified           No No                 Other                               0 0 0 No   [redacted]         $0.00           No 5.650% 0   0 0 0 0     0.00 No 1.36                 [redacted]
216127851 [redacted] [redacted]   N/A   Yes No         $366.81 $366.81 6.725% No No         0       US Citizen             1 [redacted] $1,053.96           0.000% 0.000% 0.000% 12/16/2020 714                                           Level 2-Stated/Not Verified           No No                 Other                               0 0 0 Yes   [redacted]         $0.00         N/A No 6.725% 0   0 0 0 0     0.00 No 1.24                 [redacted]
216127856 [redacted] [redacted]   N/A   Yes No         $666.06 $666.06 6.200% No No         0       US Citizen             1 [redacted] $1,270.44           0.000% 0.000% 0.000% 01/05/2021 701                                           Level 1-Not Stated/Not Verified           No No                 Other                               0 0 0 No   [redacted]         $0.00         N/A No 6.200% 0   0 0 0 0     0.00 No 1.46                 [redacted]
216127857 [redacted] [redacted]   N/A   Yes No         $707.32 $707.32 5.900% No No         0       US Citizen             1 [redacted] $1,252.32           0.000% 0.000% 0.000% 01/05/2021 701                                           Level 1-Not Stated/Not Verified           No No                 Other                               0 0 0 No   [redacted]         $0.00         N/A No 5.900% 0   0 0 0 0     0.00 No 1.36                 [redacted]
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                 [redacted]
216127859 [redacted] [redacted]   N/A   Yes No         $535.09 $535.09 6.750% No No         0       US Citizen             1 [redacted] $796.20           0.000% 0.000% 0.000% 01/19/2021 750                                           Level 3-Stated/Partially Verified           No No                 Other                               0 0 0 Yes   [redacted]         $0.00         N/A No 6.750% 0   0 0 0 0     0.00 No 1.26                 [redacted]
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                 [redacted]
216571938 [redacted] [redacted]   Non QM   Yes No $19,900.63 $21,058.63   3.474% $3,932.97 $3,932.97 3.287% No No Self-Employed           US Citizen               $6,411.99 2 [redacted] $1,334.04           44.778% 44.778% 44.778% 08/13/2021 720                                                       No Yes 24 Business 100.000% 100.000%   Borrower Prepared [Borrower -  Primary Income - Bank Statements]; Account Statements - Business - 2021
[Borrower -  Primary Income - Bank Statements]; Borrower-prepared P&L - 2021
[Borrower -  Primary Income - Bank Statements]; CPA Letter - 2021
[Borrower]; 4506-C - 2019
[Borrower]; 4506-C - 2018
[Borrower]; 1084 or income worksheet - Year Not Available
Bank Statements       1                       0 0 0 No   [redacted] Other Income - Not to be used for qualifying
QM DTI
Rental Income Documentation - Boarder Income Ineligible Test
$19,900.63   2.910% $0.00   None     No No 3.287% 0   0 0 2 0   24 12.00 No   0.03474               [redacted]
216571944 [redacted] [redacted]   Non QM   Yes No $6,252.50 $0.00   4.011% $4,941.24 $4,941.24 4.012% No No Self-Employed           US Citizen               $12,271.21 1 [redacted] $2,319.96           41.178% 41.178% 41.178% 08/18/2021 758                                                       No Yes 12 Personal 100.000% 49.000%     [Borrower -  Primary Income - Bank Statements]; Account Statements - Personal - 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 $6,252.50   2.920% $22,000.00 1.0 None     Yes No 4.012% 0   0 0 2 0 12   0.00 No   0.04011               [redacted]
216571961 [redacted] [redacted]   Non QM   Yes No $11,310.00 $13,046.08   4.322% $4,396.75 $4,396.75 4.200% No No Employed           US Citizen               $6,437.70 1 [redacted] $1,668.00           48.287% 48.287% 48.287% 07/28/2021 757                                                       No No             [Borrower -  Primary Income - Wages]; The Work Number - Employment Only - 2021
[Borrower -  Primary Income - Wages]; The Work Number - Income - 2021
[Borrower -  Primary Income - Wages]; W-2 - 2020
[Borrower -  Primary Income - Wages]; W-2 Transcript - 2020
[Borrower -  Primary Income - Wages]; W-2 - 2019
[Borrower]; Transcripts (1040) - 2020
[Borrower]; 1040 - 2020
[Borrower]; 4506-C - 2020
[Borrower]; 4506-C - 2019
[Borrower]; 1084 or income worksheet - Year Not Available
1 Year Tax Returns                               0 0 0 No   [redacted] Overtime Bonus 2Yr Calc
QM DTI
Rental Income Documentation - Schedule E Method Test
$11,310.00   2.920% $5,000.00 1.0 None     Yes No 4.200% 2   1 0 2 1     0.00 No   0.04322               [redacted]
216572703 [redacted] [redacted]   Non QM   Yes No $14,410.00 $6,740.98   3.958% $3,531.93 $3,531.93 3.887% No No Self-Employed           US Citizen               $11,282.14 1 [redacted] $2,229.96           38.236% 38.236% 38.236% 08/23/2021 787                                                       No Yes 12 Business 100.000% 100.000%     [Borrower -  Primary Income - Bank Statements]; Account 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 - 2010
[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 $14,410.00   2.920% $0.00   None     N/A No 3.887% 0   0 0 2 0   12 0.00 No   0.03958               [redacted]
216572708 [redacted] [redacted]   Non QM   Yes No $16,052.50 $17,057.71   3.924% $2,460.19 $2,460.19 3.662% No No Self-Employed           US Citizen               $15,196.79 1 [redacted] $1,668.00           20.212% 20.212% 20.212% 08/03/2021 737                                                       No Yes 12 Business 100.000% 100.000%     [Borrower -  Primary Income - Bank Statements]; Account 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 Yes   [redacted] Other Income - Not to be used for qualifying
QM Points and Fees 2021
$16,052.50   2.920% $0.00 2.6 None     No No 3.662% 0   0 0 2 0   12 0.00 No   0.03924               [redacted]