Exhibit 99.4

 

EXHIBIT 99.4         CLAYTON ATR QM UPLOAD

 

 

 

 

Client Name:  
Client Project Name: SEMT 2025-7
Start - End Dates: 2/3/2025 - 6/24/2025
Deal Loan Count: 132
         
ATR QM Upload      
         
Loans in Report: 132

 

Loan Number Seller Loan Number Original Principal Balance State Loan Level ATR/QM Status Borrowers Qualified Through a Non-Resident Alien Program Occupancy Property Type Number of Units Loan Type Exempt Loan Product Type Exempt Loan Housing Agency Community Housing Development Credit Under Economic Stabilization Act Of 2008 Refinance Of Non-Standard Mortgage Higher Priced Covered Transaction State Prepay Exceptions Loan Purpose Loan Term Exceeds 30 Years Interest Only Feature Negative Amortization Balloon Payment Prepay Penalty Flag Prepayment Penalty Type Prohibited Prepayment Penalty Exceeds Points And Fees Exceeds DTI Limit Lien Position APR QM Calculated DTI Adherence QM Lenders DTI Adherence QM Fee Adherence - Total Charges % QM Fee Adherence - Lenders Fee % Fannie Mae Eligible Freddie Mac Eligible VA Guaranty Eligible FHA Insured Eligible USDA Guarantee Eligible Rural Housing Service Insured Eligible QM - Expected Income Or Assets For DTI QM - Current Employment Status For DTI QM - Monthly Payment On Subject Loan For DTI QM - Monthly Payment On Additional Loan For DTI QM - Monthly Payment Mortgage Related Obligations QM - Current Debt Obligations Alimony and Child Support for DTI QM - Monthly DTI Ratio Or Residual Income ATR - Guidelines Provided to Document Approach ATR - Current And Expected Income And Assets ATR - Current Employment Status ATR - Mortgage Payment Obligation ATR - Mortgage Payment on Simultaneous Transaction ATR - Payment For Mortgage Related Obligations ATR - Debt Obligations Including Alimony and Child Support ATR - Monthly DTI Ratio or Residual Income ATR - Consumer Credit History ATR Lenders - DTI (Back) ATR Calculated DTI (Back) QM Lender Value DTI (Back) QM Calculated DTI (Back) Initial DTI (Back) DTI Qualifying (Back) Residual Income Analysis in File Residual Income Guidelines Did Loan Meet Guidelines Residual Income Amount Short Sale Short Sale Date Deed In Lieu Deed In Lieu Date QRM Flag Borrower 2 Guarantor Flag Borrower 3 Guarantor Flag Borrower 4 Guarantor Flag Borrower 1 Income Doc Type Summary Borrower 2 Income Doc Type Summary Borrower 3 Income Doc Type Summary Borrower 4 Income Doc Type Summary
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Second Home XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 6.5275 Yes Yes 0.072 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 39.08 39.13 39.08 39.13 39.13 39.13 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Personal Tax Return - 24 months;
 Paystub - 24 months;
W2 - 24 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 7.1724 Yes Yes 1.755 Not Applicable Yes No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 30.57 30.57 30.57 30.57 30.57 30.57 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 24 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 7.1487 Yes Yes 0.23 0.230 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 34.17 34.26 34.17 34.26 34.26 34.26 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Paystub - 2 months;
W2 - 12 months;
Written VOE - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Second Home XXXXX XXXXX Conventional No No No No (No Data) No No Rate and Term Refi No No No No No (No Data) (No Data) No No XXXXX 6.4271 Yes Yes 0.529 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 38.1 39.5 38.1 39.5 39.5 39.5 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Award Letter - 1 months;
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
 Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Second Home XXXXX XXXXX Conventional No No No No (No Data) No No Rate and Term Refi No No No No No (No Data) (No Data) No No XXXXX 6.7905 Yes Yes 0.352 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 38.91 35.29 38.91 35.29 35.29 35.29 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 3 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 36 months;
 IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 36 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 6.6171 Yes Yes 0.292 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 15.96 14.76 15.96 14.76 14.76 14.76 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 1 months;
 Paystub - 1 months;
W2 - 24 months;
Written VOE - 1 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 6.8934 Yes Yes 0.198 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 36.79 36.79 36.79 36.79 36.79 36.79 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 26 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes XXXXX 7.0235 No No 0.163 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 45.93 44.41 45.93 44.41 44.41 44.41 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 12 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Rate and Term Refi No No No No No (No Data) (No Data) No No XXXXX 6.8974 Yes Yes 0.256 Not Applicable Yes No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 40.1 40.22 40.1 40.22 40.22 40.22 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months;
 Paystub - 1 months;
W2 - 24 months;
Written VOE - 27 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 6.7617 Yes Yes 0.302 Not Applicable Yes No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 42.99 42.99 42.99 42.99 42.99 42.99 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 26 months;
 Paystub - 26 months;
W2 - 24 months;
Written VOE - 14 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes XXXXX 6.8934 No No 0.135 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 45.02 43.25 45.02 43.25 43.25 43.25 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) IRS Transcripts – Tax Return(s) - 12 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months;
Written VOE - 24 months;
 Award Letter - 1 months;
IRS Transcripts – Tax Return(s) - 12 months;
Personal Tax Return - 12 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 6.4092 Yes Yes 0.205 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 12.72 14.16 12.72 14.16 14.16 14.16 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Business Tax Return - 24 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months;
 Personal Tax Return - 12 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Rate and Term Refi No No No No No (No Data) (No Data) No No XXXXX 6.2699 Yes Yes 0.171 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 13.85 13.86 13.85 13.86 13.86 13.86 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
W2 - 36 months;
 Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
W2 - 36 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Rate and Term Refi No No No No No (No Data) (No Data) No Yes XXXXX 6.8139 No No 0.144 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 49.86 49.78 49.86 49.78 49.78 49.78 Yes Yes Yes XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Bank Statements - 2 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Rate and Term Refi No No No No No (No Data) (No Data) No Yes XXXXX 6.7723 No No 0.211 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 44.31 43.05 44.31 43.05 43.05 43.05 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Personal Bank Statements - 12 months;
Personal Tax Return - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 6.5940 Yes Yes 0.126 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 42.14 41.98 42.14 41.98 41.98 41.98 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) (No Data) Offer Letter - 1 months;
Written VOE - 27 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 7.4471 Yes Yes 0.167 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 35.16 37.46 35.16 37.46 37.46 37.46 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
Written VOE - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 7.0129 Yes Yes 0.092 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 41.63 39.78 41.63 39.78 39.78 39.78 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 12 months;
P & L - 12 months;
Personal Tax Return - 12 months;
 Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 12 months;
P & L - 12 months;
Personal Tax Return - 12 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 6.9612 Yes Yes 0.448 0.448 No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 25.5 25.37 25.5 25.37 25.37 25.37 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 2 months;
W2 - 24 months;
Written VOE - 24 months;
 Paystub - 2 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Rate and Term Refi No No No No No (No Data) (No Data) No No XXXXX 6.7624 Yes Yes 0.107 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 32.32 32.61 32.32 32.61 32.61 32.61 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes XXXXX 6.9441 No No 0.192 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 49.89 49.06 49.89 49.06 49.06 49.06 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months;
Written VOE - 36 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes XXXXX 6.5177 No No 0.752 0.752 No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 45.49 44.2 45.49 44.2 44.2 44.2 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) IRS Transcripts – Tax Return(s) - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
 Paystub - 2 months;
W2 - 24 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes XXXXX 6.2540 No No 0.127 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 46.73 44.57 46.73 44.57 44.57 44.57 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 3 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 27 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 7.0208 Yes Yes 1.414 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 37.76 37.5 37.76 37.5 37.5 37.5 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) (No Data) IRS Transcripts – W2(s) - 24 months;
Paystub - 27 months;
W2 - 24 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes XXXXX 7.3954 No No 0.216 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 46.93 46.93 46.93 46.93 46.93 46.93 No Yes Yes XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Business Tax Return - 24 months;
Paystub - 27 months;
Personal Tax Return - 24 months;
W2 - 12 months;
Written VOE - 27 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 7.2661 Yes Yes 0.735 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 25.13 25.11 25.13 25.11 25.11 25.11 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 12 months;
P & L - 3 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 6.8780 Yes Yes 0.668 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 37.54 37.54 37.54 37.54 37.54 37.54 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 27 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 7.0199 Yes Yes 1.144 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 42.97 41.52 42.97 41.52 41.52 41.52 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months;
 IRS Transcripts – W2(s) - 24 months;
Offer Letter - 1 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Second Home XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 7.3933 Yes Yes 0.117 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 23.57 23.57 23.57 23.57 23.57 23.57 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) IRS Transcripts – W2(s) - 24 months;
Paystub - 3 months;
W2 - 24 months;
Written VOE - 1 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 7.1811 Yes Yes 2.401 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 7.05 7.05 7.05 7.05 7.05 7.05 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) 1099 - 12 months;
Business Tax Return - 24 months;
CPA Letter without Income - 1 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Cashout Refi No No No No No (No Data) (No Data) No Yes XXXXX 7.7730 No No 0.144 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 48.78 47.82 48.78 47.82 47.82 47.82 No Yes Yes XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) P & L - 3 months;
Paystub - 28 months;
Personal Tax Return - 12 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes XXXXX 7.4900 No No 0.112 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 49.81 49.6 49.81 49.6 49.6 49.6 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 26 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Second Home XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 7.2943 Yes Yes 0.273 0.152 No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 27.96 20.21 27.96 20.21 20.21 20.21 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 2 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
W2 - 12 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Second Home XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes XXXXX 7.7722 No No 0.13 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 48.54 47.84 48.54 47.84 47.84 47.84 Yes Yes Yes XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Business Tax Return - 12 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 0 months;
Written VOE - 19 months;
 Business Tax Return - 12 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 7.2889 Yes Yes 0.198 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 38.05 41.62 38.05 41.62 41.61 41.61 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 27 months;
 Paystub - 1 months;
W2 - 24 months;
Written VOE - 27 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 6.9679 Yes Yes 0.761 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 15.84 15.94 15.84 15.94 15.94 15.94 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 15 months;
Personal Tax Return - 24 months;
 IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 8.0406 Yes Yes 2.692 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 37.4 37.4 37.4 37.4 37.4 37.4 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months;
 Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 6.9395 Yes Yes 0.186 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 41.23 41.14 41.23 41.14 41.14 41.14 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 21 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 6.7736 Yes Yes 0.211 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 35.81 35.6 35.81 35.6 35.6 35.6 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
 Paystub - 1 months;
W2 - 24 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes XXXXX 7.2766 No No 0.139 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 47.2 47.18 47.2 47.18 47.18 47.18 Yes Yes Yes XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
 Paystub - 1 months;
W2 - 24 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 7.1167 Yes Yes 0.18 Not Applicable Yes No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 29.69 30.11 29.69 30.11 30.11 30.11 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
Written VOE - 27 months;
 IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes XXXXX 6.9553 No No 0.21 Not Applicable Yes No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 44.42 44.31 44.42 44.31 44.31 44.31 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 6.5702 Yes Yes 0.169 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 39.3 39.62 39.3 39.62 39.62 39.62 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Lease Agreement - 12 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 25 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 6.9449 Yes Yes 1.701 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 26.43 26.39 26.43 26.39 26.39 26.39 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Business Tax Return - 12 months;
P & L - 16 months;
Personal Tax Return - 12 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 6.3902 Yes Yes 0.109 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 38.26 38.85 38.26 38.85 38.85 38.85 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 5 months;
Personal Tax Return - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 7.1228 Yes Yes 0.128 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 40.08 40.07 40.08 40.07 40.07 40.07 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 27 months;
 Paystub - 27 months;
W2 - 24 months;
Written VOE - 27 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 6.7805 Yes Yes 0.179 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 40.99 41 40.99 41 41 41 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes XXXXX 6.4156 No No 0.129 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 43.85 43.85 43.85 43.85 43.85 43.85 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 12 months;
P & L - 16 months;
Personal Tax Return - 12 months;
W2 - 24 months;
 IRS Transcripts – Tax Return(s) - 12 months;
Personal Tax Return - 12 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 6.7632 Yes Yes 0.115 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 37.52 38.77 37.52 38.77 38.77 38.77 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 7.1490 Yes Yes 0.203 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 41.57 41.57 41.57 41.57 41.57 41.57 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months;
 Paystub - 1 months;
W2 - 24 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 7.5922 Yes Yes 0.167 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 10.35 10.35 10.35 10.35 10.35 10.35 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 3 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes XXXXX 7.4359 No No 0.552 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 43.58 44.58 43.58 44.58 44.58 44.58 No Yes Yes XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 12 months;
 Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Rate and Term Refi No No No No No (No Data) (No Data) No No XXXXX 7.4022 Yes Yes 0.216 0.216 No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 31.73 28.63 31.73 28.63 28.63 28.63 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Paystub - 2 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 7.5117 Yes Yes 1.084 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 19.31 19.31 19.31 19.31 19.31 19.31 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 27 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 7.2724 Yes Yes 1.443 1.443 No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 39.55 37.33 39.55 37.33 37.33 37.33 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Business Tax Return - 12 months;
Personal Tax Return - 12 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 7.1942 Yes Yes 0.146 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 37.96 38.18 37.96 38.18 38.18 38.18 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 7.4157 Yes Yes 0.114 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 39.57 39.61 39.57 39.61 39.61 39.61 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 15 months;
W2 - 24 months;
Written VOE - 27 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes XXXXX 6.5256 No No 0.17 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 43.86 43.86 43.86 43.86 43.86 43.86 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) IRS Transcripts – W2(s) - 36 months;
Offer Letter - 12 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 28 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes XXXXX 6.7791 No No 0.189 Not Applicable Yes No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 49.99 49.99 49.99 49.99 49.99 49.99 Yes Yes Yes XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 7.4034 Yes Yes 0.143 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 34.01 33.91 34.01 33.91 33.91 33.91 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Award Letter - 12 months;
 Award Letter - 12 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Rate and Term Refi No No No No No (No Data) (No Data) No Yes XXXXX 7.3745 No No 1.114 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 44.17 44.17 44.17 44.17 44.17 44.17 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
 IRS Transcripts – Tax Return(s) - 24 months;
P & L - 3 months;
Personal Bank Statements - 13 months;
Personal Tax Return - 24 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Second Home XXXXX XXXXX Conventional No No No No (No Data) No No Rate and Term Refi No No No No No (No Data) (No Data) No No XXXXX 6.7834 Yes Yes 0.117 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 42.02 40.61 42.02 40.61 40.61 40.61 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Business Tax Return - 12 months;
P & L - 5 months;
Personal Tax Return - 12 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 6.9042 Yes Yes 1.231 1.231 No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 24.46 24.71 24.46 24.71 24.71 24.71 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Paystub - 2 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 6.2979 Yes Yes 0.459 0.459 No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 36.67 38.5 36.67 38.5 38.5 38.5 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 2 months;
W2 - 24 months;
 Paystub - 2 months;
W2 - 24 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Cashout Refi No No No No No (No Data) (No Data) No No XXXXX 6.7814 Yes Yes 0.151 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 35.44 35.44 35.44 35.44 35.44 35.44 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 12 months;
P & L Only - 16 months;
Personal Tax Return - 12 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 6.5548 Yes Yes 0.193 Not Applicable Yes No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 32.8 32.8 32.8 32.8 32.8 32.8 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months;
 Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 6.8006 Yes Yes 0.128 0.128 Yes No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 35.41 35.01 35.41 35.01 35.01 35.01 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Paystub - 2 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 6.9038 Yes Yes 1.532 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 26.92 25.9 26.92 25.9 25.9 25.9 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
 Paystub - 1 months;
W2 - 24 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes XXXXX 6.8664 No No 0.135 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 46.53 46.68 46.53 46.68 46.68 46.68 No Yes Yes XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Business Tax Return - 24 months;
CPA Letter without Income - 1 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 16 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 36 months;
 IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 36 months;
Written VOE - 27 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 7.5029 Yes Yes 1.267 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 42.9 42.07 42.9 42.07 42.07 42.07 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Offer Letter - 12 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes XXXXX 6.8895 No No 0.39 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 49.81 49.22 49.81 49.22 49.22 49.22 No Yes Yes XXXXX No XXXXX No XXXXX Yes No No No Paystub - 1 months;
W2 - 24 months;
Written VOE - 27 months;
 Paystub - 1 months;
W2 - 24 months;
Written VOE - 27 months;
 (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 27 months;
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 6.9125 Yes Yes 0.178 Not Applicable Yes No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 40.84 40.69 40.84 40.69 40.69 40.69 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 28 months;
W2 - 24 months;
 Paystub - 1 months;
W2 - 24 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 7.1450 Yes Yes 0.139 0.139 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 25.86 25.8 25.86 25.8 25.8 25.8 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 2 months;
W2 - 24 months;
Written VOE - 24 months;
 Paystub - 2 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 7.0122 Yes Yes 0.084 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 41.57 41.51 41.57 41.51 41.51 41.51 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 28 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 28 months;
 IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 7.4171 Yes Yes 0.073 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 42.82 42.83 42.82 42.83 42.83 42.83 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 28 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Rate and Term Refi No No No No No (No Data) (No Data) No No XXXXX 7.3420 Yes Yes 0.86 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 32.88 32.92 32.88 32.92 32.92 32.92 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Cashout Refi No No No No No (No Data) (No Data) No No XXXXX 6.9459 Yes Yes 0.161 Not Applicable No Yes No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 42.62 41.6 42.62 41.6 41.6 41.6 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Business Tax Return - 12 months;
P & L - 3 months;
Personal Tax Return - 12 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 7.0533 Yes Yes 0.16 Not Applicable Yes No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 40.83 40.88 40.83 40.88 40.88 40.88 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 7.0266 Yes Yes 0.108 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 37.11 37.11 37.11 37.11 37.11 37.11 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
Written VOE - 6 months;
 Paystub - 1 months;
W2 - 24 months;
Written VOE - 27 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX ATR/QM: Status Pending (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes XXXXX 7.2777 No No 0.231 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 49.59 49.59 49.59 49.59 49.59 49.59 Yes Yes Yes XXXXX No XXXXX No XXXXX No No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 20 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Rate and Term Refi No No No No No (No Data) (No Data) No No XXXXX 6.4928 Yes Yes 0.221 Not Applicable No Yes No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 37.12 38.46 37.12 38.46 38.46 38.46 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Offer Letter - 1 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months;
 Paystub - 1 months;
W2 - 24 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 6.7946 Yes Yes 0.04 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 23.5 24.05 23.5 24.05 24.05 24.05 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 12 months;
Personal Tax Return - 12 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes XXXXX 7.2690 No No 0.122 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 49.52 49.53 49.52 49.53 49.53 49.53 No Yes Yes XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 27 months;
W2 - 24 months;
 Paystub - 1 months;
W2 - 24 months;
Written VOE - 29 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 7.1791 Yes Yes 0.146 0.000 Yes No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 28.58 28.58 28.58 28.58 28.58 28.58 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 3 months;
W2 - 24 months;
Written VOE - 29 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 6.9008 Yes Yes 0.209 0.000 No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 24.83 24.57 24.83 24.57 24.57 24.57 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Second Home XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 7.7840 Yes Yes 0.102 0.168 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 38.33 35.43 38.33 35.43 35.43 35.43 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 7.2868 Yes Yes 0.15 Not Applicable Yes No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 32.38 32.38 32.38 32.38 32.38 32.38 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
 Paystub - 1 months;
W2 - 24 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 7.1992 Yes Yes 0.667 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 39.5 40.28 39.5 40.28 40.28 40.28 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Second Home XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 7.4278 Yes Yes 0.242 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 24.06 24.06 24.06 24.06 24.06 24.06 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes XXXXX 7.0078 No No 0.178 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 44.71 44.7 44.71 44.7 44.7 44.7 No Yes Yes XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 36 months;
Written VOE - 28 months;
 Business Tax Return - 36 months;
CPA Letter with Income - 12 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L Only - 4 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 36 months;
Written VOE - 28 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes XXXXX 7.5191 No No 0.239 0.239 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 49.71 45.55 49.71 45.55 45.55 45.55 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Business Tax Return - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 7.0258 Yes Yes 0.198 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 41.57 41.57 41.57 41.57 41.57 41.57 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 28 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes XXXXX 7.2958 No No 0.404 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 46.31 45.23 46.31 45.23 45.23 45.23 Yes Yes Yes XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Written VOE - 28 months;
 Written VOE - 28 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Cashout Refi No No No No No (No Data) (No Data) No No XXXXX 6.7841 Yes Yes 0.225 0.000 Yes No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 21.18 21.18 21.18 21.18 21.18 21.18 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Award Letter - 12 months;
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
 Award Letter - 12 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Rate and Term Refi No No No No No (No Data) (No Data) No No XXXXX 6.7780 Yes Yes 0.12 Not Applicable Yes No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 39.99 39.99 39.99 39.99 39.99 39.99 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
Written VOE - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 7.0661 Yes Yes 0.199 Not Applicable Yes No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 26.48 21.68 26.48 21.68 21.68 21.68 No No (No Data) XXXXX No XXXXX No XXXXX Yes No No (No Data) Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 Business Tax Return - 24 months;
CPA Letter - 1 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L Only - 4 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
 Business Tax Return - 24 months;
CPA Letter - 1 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L Only - 4 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 6.9480 Yes Yes 0.342 Not Applicable Yes No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 40.3 40.49 40.3 40.49 40.49 40.49 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 28 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 6.8953 Yes Yes 0.176 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 35 34.62 35 34.62 34.62 34.62 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 4 months;
 Paystub - 1 months;
W2 - 24 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes XXXXX 6.6969 No No 0.225 0.225 Yes No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 43.75 43.74 43.75 43.74 43.74 43.74 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) (No Data) Paystub - 2 months;
W2 - 24 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Rate and Term Refi No No No No No (No Data) (No Data) No No XXXXX 6.7646 Yes Yes 0.107 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 35.89 36.17 35.89 36.17 36.17 36.17 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Award Letter - 1 months;
Personal Bank Statements - 2 months;
 Award Letter - 1 months;
Personal Bank Statements - 2 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 6.4143 Yes Yes 0.1 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 22.69 22.69 22.69 22.69 22.69 22.69 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Written VOE - 28 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Rate and Term Refi No No No No No (No Data) (No Data) No Yes XXXXX 6.5742 No No 0.104 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 46.17 46.13 46.17 46.13 46.13 46.13 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Business Tax Return - 24 months;
P & L - 15 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 27 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes XXXXX 7.2860 No No 0.39 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 47.86 47.55 47.86 47.55 47.55 47.55 Yes Yes Yes XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months;
 Offer Letter - 1 months;
Written VOE - 24 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Rate and Term Refi No No No No No (No Data) (No Data) No Yes XXXXX 6.8459 No No 0.165 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 44.96 44.92 44.96 44.92 44.92 44.92 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
 Paystub - 1 months;
W2 - 24 months;
Written VOE - 16 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 7.9340 Yes Yes 2.996 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 27.61 27.43 27.61 27.43 27.43 27.43 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 28 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes XXXXX 6.8694 No No 0.14 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 49.62 49.45 49.62 49.45 49.45 49.45 No Yes Yes XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 6.8982 Yes Yes 0.19 0.000 No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 37.03 37.03 37.03 37.03 37.03 37.03 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Paystub - 2 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 6.7630 Yes Yes 0.093 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 12.78 12.78 12.78 12.78 12.78 12.78 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 36 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 7.0332 Yes Yes 0.202 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 36.56 37.24 36.56 37.24 37.24 37.24 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 28 months;
W2 - 24 months;
 Paystub - 28 months;
W2 - 24 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 6.9406 Yes Yes 0.548 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 35.82 35.69 35.82 35.69 35.69 35.69 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 28 months;
 Paystub - 1 months;
W2 - 24 months;
Written VOE - 28 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes XXXXX 7.5312 No No 0.226 0.226 No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 49.94 49.63 49.94 49.63 49.63 49.63 No Yes Yes XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 2 months;
W2 - 24 months;
 Paystub - 2 months;
W2 - 12 months;
Written VOE - 12 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes XXXXX 7.2996 No No 0.423 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 48.5 48.41 48.5 48.41 48.41 48.41 No Yes Yes XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Personal Bank Statements - 2 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 6.7474 Yes Yes 2.241 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 34.28 33.79 34.28 33.79 33.79 33.79 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) IRS Transcripts – W2(s) - 24 months;
Paystub - 28 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Rate and Term Refi No No No No No (No Data) (No Data) No No XXXXX 6.9157 Yes Yes 0.134 0.134 No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 10.55 11.04 10.55 11.04 11.04 11.04 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Business Tax Return - 24 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 6.9115 Yes Yes 0.113 0.113 No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 26.87 23.01 26.87 23.01 23.01 23.01 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 2 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 6.5420 Yes Yes 1.137 1.137 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 23.5 23.61 23.5 23.61 23.61 23.61 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 2 months;
W2 - 24 months;
 Paystub - 2 months;
W2 - 24 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Rate and Term Refi No No No No No (No Data) (No Data) No Yes XXXXX 6.9823 No No 0.22 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 45.35 45.35 45.35 45.35 45.35 45.35 Yes Yes Yes XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 7.1771 Yes Yes 1.529 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 23.41 23.82 23.41 23.82 23.82 23.82 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) IRS Transcripts – W2(s) - 24 months;
Paystub - 28 months;
W2 - 24 months;
Written VOE - 28 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes XXXXX 7.5369 No No 0.228 0.135 No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 47.38 47.39 47.38 47.39 47.39 47.39 Yes Yes Yes XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Paystub - 2 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 7.1902 Yes Yes 0.183 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 34.61 33.86 34.61 33.86 33.86 33.86 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 28 months;
Written VOE - 28 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 6.9938 Yes Yes 0.205 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 37.98 37.99 37.98 37.99 37.99 37.99 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 27 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Second Home XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes XXXXX 6.8944 No No 0.151 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 44.32 44.27 44.32 44.27 44.27 44.27 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months;
Written VOE - 16 months;
 Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 6.5138 Yes Yes 0.094 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 29.41 28.65 29.41 28.65 28.65 28.65 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 28 months;
 Paystub - 1 months;
W2 - 24 months;
Written VOE - 28 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 7.0020 Yes Yes 0.234 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 28.28 28.28 28.28 28.28 28.28 28.28 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 7.1408 Yes Yes 0.111 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 31.34 31.21 31.34 31.21 31.21 31.21 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 6.8891 Yes Yes 0.143 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 28.29 28.23 28.29 28.23 28.23 28.23 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 28 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Cashout Refi No No No No No (No Data) (No Data) No Yes XXXXX 7.0296 No Yes 0.205 0.205 No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 37.92 43.19 37.92 43.19 43.19 43.19 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Business Tax Return - 12 months;
Personal Tax Return - 12 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Second Home XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 6.2631 Yes Yes 0.093 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 15.64 15.96 15.64 15.96 15.96 15.96 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Business Tax Return - 12 months;
P & L - 15 months;
Personal Tax Return - 12 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 6.6531 Yes Yes 0.167 0.167 No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 39 37.34 39 37.34 37.34 37.34 No No (No Data) XXXXX No XXXXX No XXXXX Yes No No No IRS Transcripts – Tax Return(s) - 12 months;
Paystub - 2 months;
W2 - 24 months;
 IRS Transcripts – Tax Return(s) - 12 months;
Paystub - 2 months;
W2 - 12 months;
 Personal Bank Statements - 2 months;
W2 - 12 months;
 W2 - 12 months;
XXXX XXXXX XXXXX XXXXX Non-QM: Lender documented all ATR UW factors (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes XXXXX 7.0557 No No 0.237 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 49.97 55.78 49.97 55.78 55.78 55.78 No Yes Yes XXXXX No XXXXX No XXXXX No No (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months;
 Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 7.4107 Yes Yes 0.211 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 28.29 28.29 28.29 28.29 28.29 28.29 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Lease Agreement - 12 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 28 months;
 (No Data) (No Data) (No Data)
XXXX XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Primary XXXXX XXXXX Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No XXXXX 6.3683 Yes Yes 0.482 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 32.99 33.46 32.99 33.46 33.46 33.46 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)

 

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