Exhibit 99.4

 

EXHIBIT 99.4      CLAYTON ATR QM UPLOAD

 

 

 

 

Client Name:  
Client Project Name: SEMT 2025-8
Start - End Dates: 3/10/2025 - 7/15/2025
Deal Loan Count: 284
         
ATR QM Upload      
         
Loans in Report: 284

 

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
409008269 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 6.8867 Yes Yes 0.086 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) 42.84 42.84 42.84 42.84 42.84 42.84 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)
409008657 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 6.3490 Yes Yes 0.147 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) 28.19 28.19 28.19 28.19 28.19 28.19 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Written VOE - 24 months;
 Written VOE - 24 months;
 (No Data) (No Data)
409008785 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 6.8889 No No 0.062 0.062 (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) 45.53 47.77 45.53 47.77 47.77 47.77 Yes Yes Yes XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) IRS Transcripts – Tax Return(s) - 24 months;
P & L - 12 months;
Personal Tax Return - 24 months;
 (No Data) (No Data) (No Data)
409008833 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 6.3470 Yes Yes 2.347 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) 30.64 30.65 30.64 30.65 30.65 30.65 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)
409008841 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 6.7990 No No 0.396 0.396 (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) 43.97 43.8 43.97 43.8 43.8 43.8 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) 1099 - 24 months;
Award Letter - 12 months;
 (No Data) (No Data) (No Data)
409008879 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 6.8977 Yes Yes 0.282 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) 32.97 32.97 32.97 32.97 32.97 32.97 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Personal Bank Statements - 2 months;
 (No Data) (No Data) (No Data)
409008900 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 6.9915 Yes Yes 0.302 0.302 (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) 33.03 26.83 33.03 26.83 26.83 26.83 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)
409008909 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 6.5710 Yes Yes 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) 39.79 39 39.79 39 39 39 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 - 36 months;
 Paystub - 1 months;
W2 - 24 months;
Written VOE - 37 months;
 (No Data) (No Data)
409008982 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 6.7831 No No 0.371 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) 44.73 44.86 44.73 44.86 44.86 44.86 No Yes Yes 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)
409009037 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 6.7593 Yes Yes 0.06 0.032 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) 33.31 33.2 33.31 33.2 33.2 33.2 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) IRS Transcripts – Tax Return(s) - 12 months;
P & L - 12 months;
Personal Tax Return - 12 months;
 (No Data) (No Data) (No Data)
409009090 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 6.8967 Yes Yes 0.204 0.204 (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) 30.61 27.49 30.61 27.49 27.49 27.49 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) (No Data) Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data)
409009096 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 6.8920 Yes Yes 0.118 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) 41.58 41.58 41.58 41.58 41.58 41.58 No Yes Yes XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) 1099 - 12 months;
Business Tax Return - 24 months;
P & L - 12 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 36 months;
 1099 - 12 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 12 months;
 (No Data) (No Data)
409009131 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 6.9741 No No 0.989 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) 43.61 43.42 43.61 43.42 43.42 43.42 No No (No Data) XXXXX No XXXXX No XXXXX Yes No No No IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 16 months;
 Award Letter - 12 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
 IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 25 months;
 IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 25 months;
409009189 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 6.7786 Yes Yes 0.092 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) 40.49 32.61 40.49 32.61 32.61 32.61 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 - 12 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
409009200 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 6.4328 No No 1.164 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) 49.55 49.64 49.55 49.64 49.64 49.64 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)
409009205 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 6.8981 Yes Yes 0.12 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) 42.69 41.32 42.69 41.32 41.32 41.32 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 - 48 months;
W2 - 48 months;
Written VOE - 5 months;
 (No Data) (No Data) (No Data)
409009305 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 6.2760 Yes Yes 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) 38.07 38.07 38.07 38.07 38.07 38.07 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)
409009314 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 6.7694 Yes Yes 0.126 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) 42.77 38.89 42.77 38.89 38.89 38.89 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Business Tax Return - 24 months;
CPA Letter - 1 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
W2 - 36 months;
 (No Data) (No Data) (No Data)
409009520 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 6.6644 No No 1.554 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) 47.1 47.1 47.1 47.1 47.1 47.1 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)
409009532 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 6.5202 Yes Yes 0.121 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) 42.41 38.94 42.41 38.94 38.94 38.94 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;
Written VOE - 24 months;
 (No Data) (No Data) (No Data)
409009541 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 7.0366 Yes Yes 0.353 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) 39.41 39.22 39.41 39.22 39.22 39.22 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 24 months;
W2 - 24 months;
 (No Data) (No Data)
409009564 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 6.1989 Yes Yes 0.257 0.257 (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) 42.63 32.87 42.63 32.87 32.87 32.87 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)
409011446 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 7.3921 No No 0.113 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) 45.95 43.05 45.95 43.05 43.05 43.05 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 - 15 months;
Personal Tax Return - 12 months;
W2 - 24 months;
 Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 12 months;
P & L - 15 months;
Personal Tax Return - 12 months;
W2 - 24 months;
 (No Data) (No Data)
409011497 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 6.2925 Yes Yes 0.149 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) 17.51 17.51 17.51 17.51 17.51 17.51 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Offer Letter - 12 months;
W2 - 24 months;
Written VOE - 36 months;
 (No Data) (No Data) (No Data)
409011516 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 6.6438 Yes Yes 0.13 0.130 (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) 41.48 41.48 41.48 41.48 41.48 41.48 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Award Letter - 1 months;
Personal Bank Statements - 2 months;
 1099 - 36 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
 (No Data) (No Data)
409011526 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 6.9325 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) 40.26 40.49 40.26 40.49 40.49 40.49 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Personal Bank Statements - 2 months;
 (No Data) (No Data) (No Data)
409011530 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 6.7657 Yes Yes 0.099 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) 41.11 41.11 41.11 41.11 41.11 41.11 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Award Letter - 12 months;
 Award Letter - 12 months;
Paystub - 1 months;
W2 - 12 months;
Written VOE - 12 months;
 (No Data) (No Data)
409011532 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 6.8906 Yes Yes 0.118 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) 36.64 42.07 36.64 42.07 42.07 42.07 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 25 months;
 Paystub - 1 months;
W2 - 24 months;
Written VOE - 25 months;
 (No Data) (No Data)
409011626 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 7.4632 Yes Yes 0.803 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) 38.66 38.67 38.66 38.67 38.67 38.67 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) IRS Transcripts – W2(s) - 12 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months;
 Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data)
409011628 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 6.3813 Yes Yes 0.099 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) 25.11 26.88 25.11 26.88 26.88 26.88 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;
 IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data)
409011631 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 6.7691 No No 1.243 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) 45.88 47.26 45.88 47.26 47.26 47.26 Yes Yes Yes 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;
 (No Data) (No Data) (No Data)
409011633 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 6.9190 Yes Yes 0.212 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) 41.49 41.74 41.49 41.74 41.74 41.74 No No (No Data) XXXXX No XXXXX No XXXXX Yes No No (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 25 months;
 IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 1 months;
 Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 12 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data)
409011640 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 6.8905 Yes Yes 0.053 0.053 (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) 4.61 6.14 4.61 6.14 6.14 6.14 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) W2 - 24 months;
Written VOE - 12 months;
 (No Data) (No Data) (No Data)
409011737 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 6.2621 Yes Yes 0.086 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 36.99 38.05 36.99 36.99 36.99 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;
Written VOE - 25 months;
 IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 25 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 25 months;
 (No Data) (No Data)
409011745 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 6.7689 No No 0.121 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) 44.57 44.07 44.57 44.07 44.07 44.07 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 14 months;
 (No Data) (No Data) (No Data)
409011752 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 6.4908 No No 1.095 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) 45.71 49.58 45.71 49.58 49.58 49.58 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;
Personal Tax Return - 12 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
409011762 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 6.5122 Yes Yes 0.089 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) 31.35 30.7 31.35 30.7 30.7 30.7 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;
 (No Data) (No Data) (No Data)
409011764 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 6.8921 Yes Yes 0.139 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) 39.01 39.01 39.01 39.01 39.01 39.01 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
W2 - 0 months;
Written VOE - 26 months;
 Award Letter - 1 months;
 (No Data) (No Data)
409011766 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 6.8962 Yes Yes 0.085 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) 36.58 40.12 36.58 40.12 40.12 40.12 No No (No Data) XXXXX No XXXXX No XXXXX Yes No No No (No Data) (No Data) (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 12 months;
Written VOE - 26 months;
409011777 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 6.4060 Yes Yes 0.149 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) 42.41 42.39 42.41 42.39 42.39 42.39 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 - 1 months;
 (No Data) (No Data)
409011895 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 6.8941 Yes Yes 0.102 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) 40.09 38.02 40.09 38.02 38.02 38.02 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 - 12 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 12 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data)
409011919 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 6.4026 Yes Yes 1.436 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) 29.56 29.56 29.56 29.56 29.56 29.56 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)
409011924 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 6.7614 No No 0.055 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) 46.52 46.34 46.52 46.34 46.34 46.34 Yes Yes Yes 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 - 12 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
409011935 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 7.0127 Yes Yes 0.091 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) 34.23 34.2 34.23 34.2 34.2 34.2 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 - 12 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
409011959 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 6.3058 Yes Yes 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) 17.28 17.28 17.28 17.28 17.28 17.28 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) IRS Transcripts – Tax Return(s) - 24 months;
IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 36 months;
Written VOE - 24 months;
 (No Data) (No Data) (No Data)
409011972 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 6.5213 Yes Yes 0.141 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) 33.36 33.31 33.36 33.31 33.31 33.31 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)
409011977 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 6.2865 Yes Yes 0.088 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) 38.22 35.24 38.22 35.24 35.24 35.24 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) IRS Transcripts – Tax Return(s) - 24 months;
IRS Transcripts – W2(s) - 24 months;
Paystub - 3 months;
W2 - 24 months;
Written VOE - 26 months;
 (No Data) (No Data) (No Data)
409012023 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 6.0497 Yes Yes 0.188 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) 39.23 39.19 39.23 39.19 39.19 39.19 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 - 1 months;
W2 - 24 months;
Written VOE - 26 months;
 (No Data) (No Data)
409012041 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 6.4981 Yes Yes 1.209 1.209 (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) 41.61 42.01 41.61 42.01 42.01 42.01 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)
409012050 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 6.6452 Yes Yes 0.163 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) 40.49 40.5 40.49 40.5 40.5 40.5 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)
409012057 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 6.6926 Yes Yes 0.561 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) 22.47 23.8 22.47 23.8 23.8 23.8 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Paystub - 26 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
409012060 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 6.6310 Yes Yes 0.055 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) 27.39 31.56 27.39 31.56 31.56 31.56 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;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
409012082 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 6.1431 Yes Yes 0.114 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) 15.24 19.16 15.24 19.16 19.16 19.16 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 – W2(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 26 months;
 IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 3 months;
 (No Data) (No Data)
409012084 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 6.9794 Yes Yes 0.348 0.300 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) 29.39 27.88 29.36 27.88 27.88 27.88 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)
409012085 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 6.9159 No No 0.361 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) 47.81 47.42 47.81 47.42 47.42 47.42 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) IRS Transcripts – Tax Return(s) - 24 months;
P & L - 12 months;
Personal Tax Return - 24 months;
 IRS Transcripts – Tax Return(s) - 12 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months;
 (No Data) (No Data)
409012087 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 6.8341 Yes Yes 0 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) 36.9 36.9 36.9 36.9 36.9 36.9 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;
 (No Data) (No Data) (No Data)
409012106 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 6.6482 Yes Yes 0.297 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) 37.94 38.15 37.94 38.15 38.15 38.15 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Award Letter - 12 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 15 months;
Personal Tax Return - 24 months;
 (No Data) (No Data) (No Data)
409012197 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 6.8924 Yes Yes 0.191 0.185 (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) 37.51 38.81 37.51 38.81 38.81 38.81 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)
409012207 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 6.9314 Yes Yes 0.311 0.020 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) 24.93 24.93 24.93 24.93 24.93 24.93 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 - 12 months;
 (No Data) (No Data)
409012209 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 6.4899 Yes Yes 1.064 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) 39.09 39.09 39.09 39.09 39.09 39.09 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Business Tax Return - 36 months;
IRS Transcripts – Tax Return(s) - 36 months;
Offer Letter - 12 months;
Paystub - 1 months;
Personal Tax Return - 48 months;
W2 - 36 months;
Written VOE - 1 months;
 (No Data) (No Data) (No Data)
409012242 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 6.7665 Yes Yes 0.116 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) 27 25.41 27 25.41 25.41 25.41 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Written VOE - 26 months;
 Paystub - 1 months;
Written VOE - 26 months;
 (No Data) (No Data)
409012244 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 7.1454 Yes Yes 0.131 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) 40.74 40.74 40.74 40.74 40.74 40.74 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)
409012267 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 6.5210 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) 39.59 39.47 39.59 39.47 39.47 39.47 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 - 13 months;
W2 - 24 months;
 (No Data) (No Data)
409012275 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 6.9619 Yes Yes 0.832 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) 41.52 41.52 41.52 41.52 41.52 41.52 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Paystub - 1 months;
Written VOE - 24 months;
 (No Data) (No Data) (No Data)
409012300 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 6.6480 Yes Yes 0.19 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) 38.85 39.08 38.85 39.08 39.08 39.08 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 - 3 months;
Personal Tax Return - 12 months;
W2 - 12 months;
 Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 12 months;
Personal Tax Return - 12 months;
W2 - 12 months;
 (No Data) (No Data)
409012306 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 7.2772 No No 0.161 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) 44.1 44.11 44.1 44.11 44.11 44.11 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) 1099 - 24 months;
Award Letter - 1 months;
Personal Tax Return - 24 months;
 Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 5 months;
 (No Data) (No Data)
409012310 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 6.9246 Yes Yes 0.45 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) 42.6 42.89 42.6 42.89 42.89 42.89 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
Personal Bank Statements - 12 months;
W2 - 24 months;
Written VOE - 24 months;
 Written VOE - 24 months;
 (No Data) (No Data)
409012316 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 7.0486 Yes Yes 1.584 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) 36.75 36.76 36.75 36.76 36.76 36.76 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;
 (No Data) (No Data) (No Data)
409012347 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 6.5620 Yes Yes 0.556 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) 40.27 40.11 40.27 40.11 40.11 40.11 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) IRS Transcripts – Tax Return(s) - 24 months;
P & L - 15 months;
Personal Tax Return - 24 months;
 IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 10 months;
 (No Data) (No Data)
409012427 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 6.5226 Yes Yes 0.161 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) 40.7 41.05 40.7 41.05 41.05 41.05 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 26 months;
W2 - 24 months;
 Paystub - 26 months;
W2 - 24 months;
 (No Data) (No Data)
409012467 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 6.5124 Yes Yes 0.091 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) 35.67 35.67 35.67 35.67 35.67 35.67 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) IRS Transcripts – W2(s) - 24 months;
Paystub - 27 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
409012468 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 6.7962 Yes Yes 0.398 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) 41.6 41.63 41.6 41.63 41.63 41.63 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 5 months;
 Paystub - 1 months;
W2 - 24 months;
Written VOE - 27 months;
 (No Data) (No Data)
409012473 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 7.0510 Yes Yes 0.422 0.461 (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) 39.52 35.07 39.52 35.07 35.07 35.07 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)
409012478 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 6.4000 Yes Yes 0.168 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) 39.73 39.72 39.73 39.72 39.72 39.72 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
409012499 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 6.8912 Yes Yes 0.104 0.056 (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) 32.23 32.12 32.23 32.12 32.12 32.12 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;
 (No Data) (No Data) (No Data)
409012515 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 7.3250 Yes Yes 0.099 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) 27.93 23.97 27.93 23.97 23.97 23.97 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 - 15 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
409012554 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 6.4222 Yes Yes 0.092 0.092 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) 31.51 25.21 31.51 25.21 25.21 25.21 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;
 (No Data) (No Data) (No Data)
409012576 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 6.2872 No No 0.097 0.097 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) 43.63 44.86 43.63 44.86 44.86 44.86 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 2 months;
W2 - 24 months;
 Business Tax Return - 24 months;
Paystub - 24 months;
Personal Tax Return - 24 months;
 (No Data) (No Data)
409012577 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 0.084 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) 20.47 20.45 20.47 20.45 20.45 20.45 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;
Written VOE - 27 months;
 IRS Transcripts – Tax Return(s) - 24 months;
IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 26 months;
 (No Data) (No Data)
409012578 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 6.4603 Yes Yes 0.807 0.807 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) 22.77 22.77 22.77 22.77 22.77 22.77 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) (No Data) Paystub - 2 months;
W2 - 24 months;
Written VOE - 12 months;
 (No Data) (No Data)
409012604 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 6.5287 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) 35.72 35.89 35.72 35.89 35.89 35.89 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 27 months;
 (No Data) (No Data) (No Data)
409012608 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 6.5429 Yes Yes 0.513 0.513 (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) 32.47 32.51 32.47 32.51 32.51 32.51 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)
409012734 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 6.8609 Yes Yes 0.101 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) 41 41.39 41 41.39 41.39 41.39 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Offer Letter - 1 months;
Paystub - 28 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
409012737 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 6.7686 Yes Yes 0.089 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) 27.16 30.12 27.16 30.12 30.12 30.12 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) (No Data) Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 12 months;
Personal Tax Return - 12 months;
 (No Data) (No Data)
409012748 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 6.6608 Yes Yes 0.324 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) 17.24 17.24 17.24 17.24 17.24 17.24 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)
409012778 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 6.4406 Yes Yes 0.227 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) 27 27.13 27 27.13 27.13 27.13 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)
409012791 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 7.0313 Yes Yes 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) 39.72 39.77 39.72 39.77 39.77 39.77 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Paystub - 26 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
409012805 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 6.7003 Yes Yes 0.43 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) 31.12 31.02 31.1 31.02 31.02 31.02 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 - 12 months;
 (No Data) (No Data)
409012814 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 6.6527 Yes Yes 0.166 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 35.41 35.4 35.41 35.4 35.4 35.4 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 27 months;
W2 - 24 months;
 (No Data) (No Data)
409012815 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 6.2869 Yes Yes 0.059 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) 41.41 42.74 41.41 42.74 42.74 42.74 No 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)
409012837 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 6.9216 Yes Yes 0.123 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) 8.97 8.24 8.97 8.24 8.24 8.24 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Offer Letter - 12 months;
Paystub - 2 months;
W2 - 24 months;
Written VOE - 26 months;
 (No Data) (No Data) (No Data)
409012840 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 6.7593 Yes Yes 0.057 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) 35.91 35.91 35.91 35.91 35.91 35.91 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 27 months;
W2 - 24 months;
 Paystub - 1 months;
W2 - 24 months;
 (No Data) (No Data)
409012843 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 7.2321 No No 0.016 0.125 (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) 44.26 43.97 44.26 43.97 43.97 43.97 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 2 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data) (No Data)
409012854 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 6.6344 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) 34.86 35.01 34.86 35.01 35.01 35.01 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) IRS Transcripts – W2(s) - 36 months;
Paystub - 1 months;
W2 - 24 months;
 IRS Transcripts – W2(s) - 36 months;
Paystub - 1 months;
W2 - 24 months;
 (No Data) (No Data)
409012875 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 7.8177 Yes Yes 0.182 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) 23.1 23.46 23.1 23.46 23.46 23.46 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Business Tax Return - 24 months;
P & L - 24 months;
Paystub - 2 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
409012902 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 7.1475 Yes Yes 0.136 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) 38.65 36.11 38.65 36.11 36.11 36.11 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 - 36 months;
 (No Data) (No Data) (No Data)
409012967 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 6.7014 No No 0.083 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) 44.68 44.34 44.68 44.34 44.34 44.34 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;
IRS Transcripts – W2(s) - 24 months;
Paystub - 27 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 27 months;
 (No Data) (No Data) (No Data)
409012970 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 6.7584 Yes Yes 0.068 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) 37.35 37.35 37.35 37.35 37.35 37.35 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) IRS Transcripts – W2(s) - 24 months;
Paystub - 27 months;
W2 - 24 months;
Written VOE - 27 months;
 (No Data) (No Data) (No Data)
409012988 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 7.2654 Yes Yes 0.083 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) 33.07 32.72 33.07 32.72 32.72 32.72 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Offer Letter - 1 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 27 months;
 (No Data) (No Data) (No Data)
409013017 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 7.1508 No No 0.11 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) 48.83 48.83 48.83 48.83 48.83 48.83 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 - 24 months;
 Business Tax Return - 24 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data)
409013023 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 7.1288 Yes Yes 0.001 0.001 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) 21.13 20.76 21.13 20.76 20.76 20.76 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Paystub - 2 months;
W2 - 24 months;
Written VOE - 12 months;
 (No Data) (No Data) (No Data)
409013033 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 6.7654 Yes Yes 0.102 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) 42.25 42.38 42.25 42.38 42.38 42.38 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)
409013039 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 6.4577 Yes Yes 2.165 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) 38.7 38.7 38.7 38.7 38.7 38.7 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 Only - 4 months;
Personal Tax Return - 24 months;
W2 - 12 months;
 Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L Only - 4 months;
Personal Tax Return - 24 months;
 (No Data) (No Data)
409013043 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 6.7393 No No 0.738 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) 44.97 44.01 44.97 44.01 44.01 44.01 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)
409013058 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 6.8857 Yes Yes 0.016 0.016 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) 36.21 20.74 36.21 20.74 20.74 20.74 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data) (No Data)
409013061 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 7.0256 No No 0.17 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 47.35 47.35 47.35 47.35 47.35 47.35 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 - 12 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months;
 Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 12 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data)
409013068 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 7.0304 No No 0.172 0.172 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) 48.8 47.84 48.8 47.84 47.84 47.84 Yes Yes Yes XXXXX No XXXXX No XXXXX Yes No No (No Data) IRS Transcripts – W2(s) - 12 months;
Paystub - 2 months;
W2 - 12 months;
Written VOE - 24 months;
 IRS Transcripts – W2(s) - 12 months;
Paystub - 2 months;
W2 - 12 months;
Written VOE - 24 months;
 Award Letter - 1 months;
 (No Data)
409013076 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 6.8040 No No 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) 46.69 46.69 46.69 46.69 46.69 46.69 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;
Personal Tax Return - 24 months;
 IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 12 months;
Written VOE - 24 months;
 (No Data) (No Data)
409013079 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 7.0128 Yes Yes 0.974 0.975 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) 10.97 9.8 10.97 9.8 9.8 9.8 No No (No Data) XXXXX No XXXXX No XXXXX Yes No No No Personal Tax Return - 12 months;
 (No Data) Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 24 months;
Personal Tax Return - 24 months;
 (No Data)
409013080 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 6.8980 No No 0.172 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) 44.78 46.41 44.78 46.41 46.41 46.41 No Yes Yes XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) IRS Transcripts – Tax Return(s) - 12 months;
Personal Tax Return - 12 months;
 IRS Transcripts – Tax Return(s) - 12 months;
P & L - 4 months;
Personal Tax Return - 12 months;
 (No Data) (No Data)
409013082 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 6.9060 Yes Yes 1.156 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) 41.88 41.27 41.88 41.27 41.27 41.27 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 – W2(s) - 12 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data)
409013083 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 7.1452 No No 1.508 1.508 (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) 46.81 46.38 46.81 46.38 46.38 46.38 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) 1099 - 24 months;
Award Letter - 12 months;
Personal Tax Return - 12 months;
 1099 - 24 months;
Award Letter - 12 months;
Personal Tax Return - 24 months;
 (No Data) (No Data)
409013085 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 7.3021 Yes Yes 1.326 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) 29.97 29.97 29.97 29.97 29.97 29.97 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 27 months;
W2 - 24 months;
Written VOE - 28 months;
 Paystub - 1 months;
W2 - 24 months;
Written VOE - 12 months;
 (No Data) (No Data)
409013086 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 7.0538 Yes Yes 0.615 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) 20.48 19.91 20.48 19.91 19.91 19.91 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)
409013089 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 6.3339 Yes Yes 0.155 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) 40.88 41.86 40.88 41.86 41.86 41.86 No Yes Yes 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;
Written VOE - 24 months;
 (No Data) (No Data) (No Data)
409013099 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 6.7099 No No 0.01 0.010 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 49.95 49.95 49.95 49.95 49.95 49.95 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 - 2 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
409013116 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 6.7492 Yes Yes 0.384 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) 42.1 42 42.1 42 42 42 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Lease Agreement - 12 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months;
Written VOE - 27 months;
 IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months;
Written VOE - 12 months;
 (No Data) (No Data)
409013142 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 6.8880 Yes Yes 0.033 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) 33.85 28.03 33.85 28.03 28.03 28.03 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 7 months;
 Paystub - 1 months;
W2 - 24 months;
Written VOE - 27 months;
 (No Data) (No Data)
409013158 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 6.8900 Yes Yes 0.07 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) 41.09 39 41.09 39 39 39 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Paystub - 27 months;
W2 - 24 months;
Written VOE - 27 months;
 (No Data) (No Data) (No Data)
409013177 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 6.9007 Yes Yes 0.233 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) 21.39 21.84 21.39 21.84 21.84 21.84 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;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
409013180 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 7.0400 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) 30.2 30.1 30.2 30.1 30.1 30.1 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)
409013193 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 7.4855 No No 2.124 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) 48.34 48.35 48.34 48.35 48.35 48.35 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;
 Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data)
409013194 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 6.5131 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) 29.1 29.1 29.1 29.1 29.1 29.1 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 - 28 months;
 (No Data) (No Data) (No Data)
409013211 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 7.9246 Yes Yes 0.365 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) 40.04 39.84 40.04 39.84 39.84 39.84 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 - 15 months;
Personal Tax Return - 12 months;
 (No Data) (No Data) (No Data)
409013216 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 7.1681 No No 0.205 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) 44.36 44.54 44.36 44.54 44.54 44.54 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 28 months;
W2 - 12 months;
Written VOE - 27 months;
 Award Letter - 12 months;
Paystub - 1 months;
W2 - 12 months;
Written VOE - 27 months;
 (No Data) (No Data)
409013270 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 7.3942 No No 0.052 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) 44.98 43.72 44.98 43.72 43.72 43.72 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;
Personal Tax Return - 12 months;
W2 - 12 months;
 Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 12 months;
IRS Transcripts – W2(s) - 12 months;
Personal Tax Return - 12 months;
W2 - 12 months;
Written VOE - 26 months;
 (No Data) (No Data)
409013278 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 7.4110 No No 0.188 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) 43.49 43.5 43.49 43.5 43.5 43.5 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;
Written VOE - 27 months;
 IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 12 months;
 (No Data) (No Data)
409013280 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 6.6378 Yes Yes 0.121 0.121 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) 31.21 29.76 31.21 29.76 29.76 29.76 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Paystub - 24 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
409013293 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 7.1564 Yes Yes 0.19 0.190 (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) 31.89 29.5 31.89 29.5 29.5 29.5 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)
409013330 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 7.0254 Yes Yes 1.351 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 40.95 41.11 40.95 41.11 41.1 41.1 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;
 IRS Transcripts – Tax Return(s) - 12 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months;
 (No Data) (No Data)
409013335 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 7.1925 No No 0.23 0.230 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) 48.7 48.7 48.7 48.7 48.7 48.7 Yes Yes Yes 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)
409013343 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 7.0270 No No 0.09 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) 45.93 45.93 45.93 45.93 45.93 45.93 Yes Yes Yes XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Business Tax Return - 24 months;
CPA Letter - 24 months;
CPA Letter with Income - 1 months;
IRS Transcripts – Tax Return(s) - 0 months;
P & L - 15 months;
Personal Tax Return - 36 months;
 (No Data) (No Data) (No Data)
409013350 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 6.9743 No No 0.887 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) 46.13 46.86 46.13 46.86 46.86 46.86 No No (No Data) XXXXX No XXXXX No XXXXX Yes No No (No Data) Paystub - 27 months;
W2 - 24 months;
 Paystub - 27 months;
W2 - 24 months;
 Award Letter - 1 months;
 (No Data)
409013365 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 6.5039 No No 0.614 0.614 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) 44.62 44.67 44.62 44.67 44.67 44.67 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 - 12 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months;
 Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 12 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data)
409013369 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 6.8603 Yes Yes 0.008 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) 31.75 29.8 31.75 29.8 29.8 29.8 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Award Letter - 1 months;
Personal Bank Statements - 12 months;
 (No Data) (No Data) (No Data)
409013450 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 6.9225 No No 0.101 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) 49.54 49.58 49.54 49.58 49.58 49.58 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)
409013502 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 6.5636 Yes Yes 0.213 0.213 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) 28.99 28.1 28.99 28.1 28.1 28.1 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 2 months;
W2 - 24 months;
Written VOE - 12 months;
 Paystub - 2 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data)
409013519 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 6.8957 No No 0.176 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) 46.84 46.84 46.84 46.84 46.84 46.84 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Paystub - 26 months;
W2 - 24 months;
Written VOE - 26 months;
 (No Data) (No Data) (No Data)
409013522 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 7.0453 Yes Yes 0.198 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) 27.07 27.07 27.07 27.07 27.07 27.07 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 27 months;
W2 - 24 months;
Written VOE - 3 months;
 Paystub - 1 months;
W2 - 24 months;
Written VOE - 2 months;
 (No Data) (No Data)
409013531 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 6.9090 Yes Yes 0.16 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) 42.74 41.21 42.74 41.21 41.21 41.21 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;
 Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data)
409013540 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 6.7720 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) 38.34 38.26 38.34 38.26 38.26 38.26 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Business Tax Return - 24 months;
P & L - 3 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
409013543 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 6.2780 Yes Yes 0.159 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) 29.04 28.98 29.04 28.98 28.98 28.98 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) IRS Transcripts – W2(s) - 36 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 6 months;
 IRS Transcripts – W2(s) - 36 months;
Paystub - 27 months;
W2 - 24 months;
 (No Data) (No Data)
409013549 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 6.8945 Yes Yes 0.1 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) 41.2 41.85 41.2 41.85 41.85 41.85 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 - 2 months;
 (No Data) (No Data)
409013557 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 0.195 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) 41.06 41.66 41.06 41.66 41.66 41.66 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 - 12 months;
Written VOE - 28 months;
 IRS Transcripts – Tax Return(s) - 12 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 12 months;
Written VOE - 16 months;
 (No Data) (No Data)
409013558 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 6.8612 No No 0.15 0.150 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) 49.45 49.45 49.45 49.45 49.45 49.45 Yes Yes Yes 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)
409013574 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 6.9038 Yes Yes 0.251 0.251 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) 30.63 30.63 30.63 30.63 30.63 30.63 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) IRS Transcripts – Tax Return(s) - 24 months;
P & L - 3 months;
P & L - 3 months;
Personal Tax Return - 24 months;
 IRS Transcripts – Tax Return(s) - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
 (No Data) (No Data)
409013598 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 7.7826 Yes Yes 1.307 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) 33.26 33.3 33.26 33.3 33.3 33.3 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) (No Data) 1099 - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data)
409013602 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 7.2771 Yes Yes 1.618 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) 23.1 23.1 23.1 23.1 23.1 23.1 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;
W2 - 24 months;
Written VOE - 24 months;
 IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data)
409013606 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 6.9711 Yes Yes 0.181 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) 26.21 26.27 26.21 26.27 26.27 26.27 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;
 (No Data) (No Data) (No Data)
409013620 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 6.8675 Yes Yes 0.008 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) 34.23 34.23 34.23 34.23 34.23 34.23 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Paystub - 15 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data) (No Data)
409013621 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 6.8053 Yes Yes 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) 42.87 42.53 42.87 42.53 42.53 42.53 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) 1099 - 12 months;
Paystub - 1 months;
W2 - 12 months;
 1099 - 12 months;
Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
409013628 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 6.5169 Yes Yes 0.139 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 37.1 37.4 37.1 37.1 37.1 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
Written VOE - 28 months;
 (No Data) (No Data) (No Data)
409013630 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 7.1399 Yes Yes 0.079 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) 35.8 35.73 35.8 35.73 35.73 35.73 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;
W2 - 24 months;
Written VOE - 28 months;
 IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 28 months;
 (No Data) (No Data)
409013637 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 6.8085 No No 1.381 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) 43.16 43.74 43.16 43.74 43.74 43.74 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;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 12 months;
Written VOE - 28 months;
 (No Data) (No Data)
409013639 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 7.1093 Yes Yes 1.066 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) 31.7 31.7 31.7 31.7 31.7 31.7 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) IRS Transcripts – W2(s) - 24 months;
Paystub - 27 months;
W2 - 24 months;
 IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 28 months;
W2 - 24 months;
 (No Data) (No Data)
409013647 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 6.9240 Yes Yes 0.164 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 38.71 39.5 38.71 38.71 38.71 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Offer Letter - 12 months;
Paystub - 1 months;
W2 - 24 months;
 Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data)
409013672 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 7.5410 Yes Yes 1.344 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) 31.12 30.79 31.12 30.79 30.79 30.79 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 – W2(s) - 24 months;
Paystub - 24 months;
W2 - 24 months;
 (No Data) (No Data)
409013758 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 6.7595 Yes Yes 1.057 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) 42.02 42.56 42.02 42.56 42.56 42.56 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) IRS Transcripts – W2(s) - 36 months;
Paystub - 1 months;
W2 - 36 months;
Written VOE - 12 months;
 IRS Transcripts – W2(s) - 36 months;
Paystub - 1 months;
W2 - 36 months;
Written VOE - 12 months;
 (No Data) (No Data)
409013769 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 7.0211 Yes Yes 0.331 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 41.64 42 41.64 41.64 41.64 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (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;
 IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 25 months;
 (No Data) (No Data)
409013780 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 7.0301 Yes Yes 0.131 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) 25.93 26.38 25.93 26.38 26.38 26.38 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 28 months;
W2 - 24 months;
Written VOE - 28 months;
 W2 - 24 months;
Written VOE - 28 months;
 (No Data) (No Data)
409013782 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 6.6643 Yes Yes 0.09 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) 34.16 35.02 34.16 35.02 35.02 35.02 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;
 Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data)
409013785 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 6.5893 Yes Yes 0.057 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) 15.5 15.42 15.5 15.42 15.42 15.42 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;
P & L - 15 months;
Personal Tax Return - 12 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
409013794 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 6.7490 Yes Yes 0.213 0.250 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) 30.44 32.72 30.44 32.72 32.72 32.72 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)
409013812 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 6.6578 Yes Yes 0.099 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) 24.3 24.3 24.3 24.3 24.3 24.3 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) IRS Transcripts – Tax Return(s) - 24 months;
IRS Transcripts – W2(s) - 24 months;
Paystub - 26 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
409013831 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 6.6296 Yes Yes 0.005 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) 26.29 26.22 26.29 26.22 26.22 26.22 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;
 IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data)
409013844 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 6.9873 Yes Yes 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) 38.51 38.51 38.51 38.51 38.51 38.51 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;
P & L Only - 3 months;
Personal Tax Return - 12 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
409013852 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 6.8990 No No 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) 44.71 44.72 44.71 44.72 44.72 44.72 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 - 26 months;
 (No Data) (No Data) (No Data)
409013869 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 7.0556 Yes Yes 0.212 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) 41.56 41.56 41.56 41.56 41.56 41.56 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 28 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
409013902 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 6.9557 Yes Yes 0.665 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) 32.97 32.97 32.97 32.97 32.97 32.97 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;
Written VOE - 24 months;
 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)
409013914 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 7.2777 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 Yes No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 20 months;
 (No Data) (No Data)
409013916 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 7.1915 No No 0.282 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) 44.28 44.27 44.28 44.27 44.27 44.27 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 - 12 months;
 IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 12 months;
 (No Data) (No Data)
409013918 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 6.9130 No No 1.317 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) 49.06 49.01 49.06 49.01 49.01 49.01 Yes Yes Yes XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) CPA Letter - 1 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
W2 - 36 months;
 Paystub - 2 months;
W2 - 36 months;
Written VOE - 19 months;
 (No Data) (No Data)
409013922 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 7.3304 No No 0.175 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) 45.6 46 45.6 46 46 46 Yes Yes Yes XXXXX No XXXXX No XXXXX Yes No No No 1099 - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Lease Agreement - 12 months;
Personal Tax Return - 24 months;
 1099 - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
 1099 - 12 months;
Award Letter - 12 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
 1099 - 12 months;
Award Letter - 12 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
409013931 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 6.7642 Yes Yes 0.11 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) 42.18 42.18 42.18 42.18 42.18 42.18 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
Written VOE - 27 months;
 (No Data) (No Data) (No Data)
409013938 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 6.8630 Yes Yes 0.156 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) 38.66 38.66 38.66 38.66 38.66 38.66 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months;
Written VOE - 29 months;
 (No Data) (No Data) (No Data)
409013956 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 7.2074 No No 0.136 0.136 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 47.85 48.5 47.85 48.5 48.5 48.5 Yes Yes Yes XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 2 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data) (No Data)
409013965 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 7.4376 Yes Yes 0.157 0.135 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) 43 28.87 43 28.87 28.87 28.87 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) (No Data) Personal Bank Statements - 2 months;
 (No Data) (No Data)
409013972 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 6.8526 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) 33.95 33.95 33.95 33.95 33.95 33.95 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Offer Letter - 1 months;
Paystub - 1 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
409013978 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 7.1480 Yes Yes 0.182 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) 35.3 33.88 35.3 33.88 33.88 33.88 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 - 16 months;
Personal Tax Return - 24 months;
W2 - 36 months;
 (No Data) (No Data) (No Data)
409013993 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 7.2902 No No 0.173 0.173 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) 46.61 46.66 46.61 46.66 46.66 46.66 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Award Letter - 24 months;
Paystub - 2 months;
Written VOE - 24 months;
 Award Letter - 24 months;
 (No Data) (No Data)
409013994 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 7.5140 Yes Yes 0.118 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) 35.54 35.54 35.54 35.54 35.54 35.54 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;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data)
409014002 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 7.1602 No No 0.192 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) 48.65 48.59 48.65 48.59 48.59 48.59 Yes Yes Yes XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Lease Agreement - 12 months;
P & L - 4 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 12 months;
 Award Letter - 12 months;
Business Tax Return - 12 months;
 (No Data) (No Data)
409014003 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 7.3281 Yes Yes 2.029 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) 42.73 42.39 42.73 42.39 42.39 42.39 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Award Letter - 1 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 28 months;
 (No Data) (No Data) (No Data)
409014009 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 6.9383 Yes Yes 0.213 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) 25.1 25.15 25.1 25.15 25.15 25.15 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) IRS Transcripts – W2(s) - 24 months;
Written VOE - 24 months;
 IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
 (No Data) (No Data)
409014050 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 6.9418 Yes No 1.678 1.678 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) 43.97 33.6 43.97 33.6 33.6 33.6 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) IRS Transcripts – Tax Return(s) - 12 months;
Personal Tax Return - 12 months;
W2 - 12 months;
 Paystub - 2 months;
W2 - 12 months;
 (No Data) (No Data)
409014052 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 6.9089 Yes Yes 0.214 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) 39.62 41.53 39.62 41.53 41.53 41.53 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 - 15 months;
Personal Tax Return - 24 months;
W2 - 36 months;
 (No Data) (No Data) (No Data)
409014062 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 7.5537 Yes Yes 2.569 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) 42.91 42.71 42.91 42.71 42.71 42.71 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 - 1 months;
 (No Data) (No Data) (No Data)
409014084 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 7.5208 No No 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) 49.86 49.86 49.86 49.86 49.86 49.86 No Yes Yes XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
 1099 - 12 months;
Paystub - 1 months;
W2 - 12 months;
Written VOE - 3 months;
 (No Data) (No Data)
409014104 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 6.8204 Yes Yes 0.177 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) 26.77 26.77 26.77 26.77 26.77 26.77 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)
409014114 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 7.6764 Yes Yes 1.368 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) 35.98 36.98 35.98 36.98 36.98 36.98 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 - 4 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
409014132 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 7.0846 Yes Yes 0.122 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) 42.36 42.44 42.36 42.44 42.44 42.44 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 - 27 months;
 (No Data) (No Data)
409014156 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 6.7795 Yes Yes 0.16 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) 33.7 33.71 33.7 33.71 33.71 33.71 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;
 (No Data) (No Data)
409014182 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 7.3540 No No 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) 46.08 46.36 46.08 46.36 46.36 46.36 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
Personal Tax Return - 12 months;
Written VOE - 27 months;
 Personal Tax Return - 12 months;
Written VOE - 27 months;
 (No Data) (No Data)
409014184 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 6.5156 Yes Yes 0.122 0.122 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) 26.82 26.82 26.82 26.82 26.82 26.82 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) IRS Transcripts – Tax Return(s) - 24 months;
P & L - 4 months;
Personal Tax Return - 24 months;
 (No Data) (No Data) (No Data)
409014213 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 7.1207 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) 45.39 46.93 45.39 46.93 46.93 46.93 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Award Letter - 1 months;
IRS Transcripts – Tax Return(s) - 12 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 12 months;
Written VOE - 28 months;
 (No Data) (No Data) (No Data)
409014226 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 7.2993 Yes Yes 0.072 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) 34.05 27.99 34.05 27.99 27.99 27.99 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 - 16 months;
Personal Tax Return - 24 months;
W2 - 36 months;
 (No Data) (No Data) (No Data)
409014228 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 7.3958 No No 2.444 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) 49.91 49.91 49.91 49.91 49.91 49.91 No Yes Yes XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Lease Agreement - 18 months;
Paystub - 28 months;
W2 - 24 months;
Written VOE - 28 months;
 (No Data) (No Data) (No Data)
409014250 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 7.2884 No No 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) 44.92 44.91 44.92 44.91 44.91 44.91 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) IRS Transcripts – W2(s) - 24 months;
Paystub - 28 months;
W2 - 24 months;
Written VOE - 26 months;
 IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data)
409014273 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 7.4428 Yes Yes 2.765 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) 16.6 13.16 16.6 13.16 13.16 13.16 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 - 12 months;
W2 - 24 months;
Written VOE - 28 months;
 Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months;
 (No Data) (No Data)
409014294 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 7.3930 Yes Yes 0.099 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) 41.35 41.35 41.35 41.35 41.35 41.35 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) 1099 - 24 months;
Personal Tax Return - 24 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
409014305 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 6.8894 No No 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) 49.86 49.86 49.86 49.86 49.86 49.86 No Yes Yes 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)
409014672 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 7.1456 Yes Yes 0.161 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) 26.87 26.87 26.87 26.87 26.87 26.87 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;
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;
 (No Data) (No Data)
409014679 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 6.9450 Yes Yes 0.648 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) 24.84 24.85 24.84 24.85 24.85 24.85 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 - 26 months;
 IRS Transcripts – W2(s) - 24 months;
Offer Letter - 12 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 29 months;
 (No Data) (No Data)
409014690 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 6.5052 Yes Yes 1.028 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) 29.71 28.55 29.71 28.55 28.55 28.55 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)
409014691 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 6.8313 Yes Yes 0.741 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) 36.49 36.24 36.49 36.24 36.24 36.24 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;
W2 - 24 months;
Written VOE - 28 months;
 IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 28 months;
 (No Data) (No Data)
409014898 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 7.3907 Yes Yes 0.089 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) 24.13 29.68 24.13 29.68 29.68 29.68 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Award Letter - 1 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data) (No Data)
409014906 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 0.155 0.155 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) 46.72 46.66 46.72 46.66 46.66 46.66 No Yes Yes XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) IRS Transcripts – Tax Return(s) - 12 months;
Paystub - 2 months;
Personal Tax Return - 12 months;
W2 - 24 months;
Written VOE - 24 months;
 IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 2 months;
Personal Tax Return - 12 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data)
409015012 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 0.084 0.084 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) 44.87 44.7 44.87 44.7 44.7 44.7 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 2 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
409015013 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 6.8186 Yes Yes 1.856 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) 30.1 30.1 30.1 30.1 30.1 30.1 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;
Personal Tax Return - 24 months;
 Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 12 months;
Personal Tax Return - 24 months;
 (No Data) (No Data)
409015014 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 7.0264 Yes Yes 0.121 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) 32.8 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) Business Tax Return - 24 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
409015016 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 Exempt XXXXX 6.8278 No No 0.317 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) 44.94 43.19 44 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;
IRS Transcripts – Tax Return(s) - 12 months;
Personal Tax Return - 12 months;
 (No Data) (No Data) (No Data)
409015017 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 6.3846 Yes Yes 0.09 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) 42.47 41.87 42.47 41.87 41.87 41.87 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 27 months;
 Business Tax Return - 24 months;
Paystub - 2 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 27 months;
 (No Data) (No Data)
409015018 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 6.3499 Yes Yes 0.895 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) 34.66 34.77 34.66 34.77 34.77 34.77 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
409015019 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 6.7836 Yes Yes 0.159 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) 37.57 36.57 37.57 36.57 36.57 36.57 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Written VOE - 26 months;
 Offer Letter - 12 months;
W2 - 12 months;
 (No Data) (No Data)
409015022 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 6.6478 No No 0.177 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) 43.91 43.91 43.91 43.91 43.91 43.91 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
Personal Tax Return - 24 months;
 (No Data) (No Data) (No Data)
409015026 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 6.5178 Yes Yes 0.146 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) 32.24 32.17 32.24 32.17 32.17 32.17 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 - 1 months;
W2 - 24 months;
Written VOE - 26 months;
 (No Data) (No Data)
409015027 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 6.5536 No No 0.422 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) 44.95 44.6 44.95 44.6 44.6 44.6 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Business Tax Return - 12 months;
CPA Letter with Income - 24 months;
Personal Tax Return - 12 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
409015028 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 6.3784 No Yes 1.171 1.171 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) 42.32 43.38 42.32 43.38 43.38 43.38 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Paystub - 2 months;
W2 - 24 months;
Written VOE - 1 months;
 (No Data) (No Data) (No Data)
409015031 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 6.9381 Yes Yes 0.455 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) 42.48 42.76 42.48 42.76 42.76 42.76 No No (No Data) XXXXX No XXXXX No XXXXX Yes No No No Award Letter - 1 months;
 Paystub - 26 months;
W2 - 36 months;
 Paystub - 1 months;
W2 - 24 months;
 Paystub - 26 months;
W2 - 24 months;
409015032 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 6.5359 No No 0.241 0.241 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) 43.57 43.57 43.57 43.57 43.57 43.57 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 2 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data) (No Data)
409015033 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 6.3767 Yes Yes 2.604 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) 34.66 34.66 34.66 34.66 34.66 34.66 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Offer Letter - 1 months;
Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
409015034 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 6.6429 No No 0.097 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) 44.98 44.98 44.98 44.98 44.98 44.98 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)
409015035 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 6.3680 Yes No 1.121 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) 43.9 41.91 43.9 41.91 41.91 41.91 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) IRS Transcripts – Tax Return(s) - 12 months;
Offer Letter - 1 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 IRS Transcripts – Tax Return(s) - 12 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data)
409015036 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 6.7780 Yes Yes 0.208 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) 35.11 35.11 35.11 35.11 35.11 35.11 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
Written VOE - 13 months;
 (No Data) (No Data) (No Data)
409015038 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 6.5581 Yes Yes 0.444 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) 41.12 41.12 41.12 41.12 41.12 41.12 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 3 months;
W2 - 24 months;
Written VOE - 15 months;
 Paystub - 14 months;
W2 - 24 months;
Written VOE - 15 months;
 (No Data) (No Data)
409015039 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 6.6561 Yes Yes 0.149 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) 30.78 30.78 30.78 30.78 30.78 30.78 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
409015040 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 6.6420 Yes Yes 0.082 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) 36.28 36.27 36.8 36.27 36.27 36.27 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Paystub - 27 months;
W2 - 24 months;
Written VOE - 27 months;
 (No Data) (No Data) (No Data)
409015041 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 6.8740 Yes Yes 1.177 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) 13.11 12.98 13.11 12.98 12.98 12.98 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;
 (No Data) (No Data) (No Data)
409015042 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 6.6198 Yes Yes 1.166 1.166 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) 38.65 38.65 38.65 38.65 38.65 38.65 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 36 months;
Written VOE - 27 months;
 (No Data) (No Data) (No Data)
409015044 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 6.9164 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) 35.2 35.19 35.2 35.19 35.19 35.19 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 26 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
409015045 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 6.6414 Yes Yes 0.132 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) 20.82 20.7 10.82 20.7 20.7 20.7 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 - 12 months;
 (No Data) (No Data) (No Data)
409015046 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 7.0123 Yes Yes 0.114 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) 39.06 39.06 39.06 39.06 39.06 39.06 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) 1099 - 24 months;
Award Letter - 1 months;
 1099 - 12 months;
Award Letter - 1 months;
 (No Data) (No Data)
409015047 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 6.8945 Yes Yes 0.164 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) 37.12 36.67 37.12 36.67 36.67 36.67 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Award Letter - 1 months;
Personal Bank Statements - 3 months;
Personal Tax Return - 12 months;
 Personal Tax Return - 12 months;
W2 - 24 months;
 (No Data) (No Data)
409015048 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 7.8227 Yes Yes 0.653 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) 36.68 34.55 36.68 34.55 34.55 34.55 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) IRS Transcripts – Tax Return(s) - 12 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 26 months;
 (No Data) (No Data) (No Data)
409015051 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 6.6447 Yes Yes 0.16 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) 34.26 34.37 34.26 34.37 34.37 34.37 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) IRS Transcripts – Tax Return(s) - 0 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
409015053 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 6.9016 No No 0.175 0.175 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 44.47 44.96 44.47 44.47 44.47 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;
Personal Tax Return - 12 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
409015056 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 7.0761 Yes Yes 0.371 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) 33.08 33.08 33.08 33.08 33.08 33.08 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)
409015088 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 6.9029 No No 0.168 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) 48.48 48.57 48.48 48.57 48.57 48.57 No Yes Yes XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 28 months;
 Award Letter - 70 months;
IRS Transcripts – Tax Return(s) - 24 months;
 (No Data) (No Data)
409015093 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 7.0247 No No 0.152 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) 48.65 49.48 48.65 49.48 49.48 49.48 No Yes Yes XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 12 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
409015098 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 6.9196 No No 0.062 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) 44.24 44.24 44.24 44.24 44.24 44.24 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 - 29 months;
 Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 12 months;
Personal Tax Return - 12 months;
 (No Data) (No Data)
409015106 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 6.7685 Yes Yes 0.07 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) 31.98 31.94 31.98 31.94 31.94 31.94 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) (No Data) IRS Transcripts – Tax Return(s) - 12 months;
Offer Letter - 12 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months;
Written VOE - 29 months;
 (No Data) (No Data)
409015120 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 6.8354 Yes Yes 1.737 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) 35.39 34.32 35.39 34.32 34.32 34.32 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) IRS Transcripts – Tax Return(s) - 36 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 36 months;
Written VOE - 28 months;
 IRS Transcripts – Tax Return(s) - 36 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data)
409015132 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 7.0209 Yes Yes 0.157 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) 27.22 27.22 27.22 27.22 27.22 27.22 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 - 12 months;
 (No Data) (No Data) (No Data)
409015150 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 7.2406 No No 0.118 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) 49.54 49.06 49.54 49.06 49.06 49.06 Yes Yes Yes XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Paystub - 28 months;
Written VOE - 36 months;
 (No Data) (No Data) (No Data)
409015160 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 6.4900 Yes Yes 0.156 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) 28.59 28.27 28.59 28.27 28.27 28.27 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Business Tax Return - 12 months;
P & L - 16 months;
Personal Tax Return - 12 months;
 (No Data) (No Data) (No Data)
409015185 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 6.6217 Yes Yes 1.2 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) 23.7 23.77 23.7 23.77 23.77 23.77 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;
W2 - 24 months;
 (No Data) (No Data) (No Data)
409015186 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 6.6325 Yes Yes 0.192 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) 31.34 31.03 31.34 31.03 31.03 31.03 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 17 months;
 (No Data) (No Data) (No Data)
409015203 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 6.9021 No No 0.179 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) 44.16 44.16 44.16 44.16 44.16 44.16 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)
409015212 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 7.4581 No No 2.409 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) 46.74 45.99 46.74 45.99 45.99 45.99 No Yes Yes XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 28 months;
 Paystub - 28 months;
W2 - 24 months;
Written VOE - 22 months;
 (No Data) (No Data)
409015215 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 6.6328 Yes Yes 0.616 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) 34.8 34.81 34.8 34.81 34.81 34.81 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 – W2(s) - 24 months;
Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
409015426 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 6.4213 No No 0.998 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 48.09 49.89 48.09 48.09 48.09 Yes Yes Yes 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 - 28 months;
 IRS Transcripts – Tax Return(s) - 12 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months;
Written VOE - 28 months;
 (No Data) (No Data)
409015428 XXXXX XXXXX XXXXX QM: Safe Harbor (APOR) (No Data) Second Home 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 6.8965 Yes Yes 1.357 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) 31 30.97 31 30.97 30.97 30.97 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) CPA Letter without Income - 1 months;
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 15 months;
 (No Data) (No Data) (No Data)
409015434 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 7.1422 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) 44.55 44.64 44.55 44.64 44.64 44.64 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 29 months;
W2 - 24 months;
Written VOE - 29 months;
 Paystub - 1 months;
W2 - 12 months;
Written VOE - 31 months;
 (No Data) (No Data)
409015455 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 6.7311 No No 0.343 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) 49.79 49.92 49.79 49.92 49.92 49.92 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 - 24 months;
 IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 29 months;
 (No Data) (No Data)
409015478 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 6.8966 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) 24.11 24.11 24.11 24.11 24.11 24.11 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
Written VOE - 27 months;
 (No Data) (No Data) (No Data)
409015555 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 7.2707 No No 0.121 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) 44.16 44.34 44.16 44.34 44.34 44.34 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;
Verbal VOE with Income - 12 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)
409015611 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 7.1390 No No 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) 48.22 48.2 48.22 48.2 48.2 48.2 No Yes Yes XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
Written VOE - 28 months;
 Paystub - 1 months;
W2 - 12 months;
Written VOE - 28 months;
 (No Data) (No Data)
409015613 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 6.9274 Yes Yes 0.156 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) 17.66 21.85 17.66 21.85 21.85 21.85 No No (No Data) 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)
409015650 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 6.9045 No No 0.172 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) 45.3 45.3 45.3 45.3 45.3 45.3 No Yes Yes XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Lease Agreement - 12 months;
Paystub - 1 months;
W2 - 24 months;
 Paystub - 1 months;
W2 - 24 months;
 (No Data) (No Data)
409015660 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 6.7594 Yes Yes 2.334 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) 19.87 19.87 19.87 19.87 19.87 19.87 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) IRS Transcripts – Tax Return(s) - 24 months;
P & L - 16 months;
Personal Tax Return - 12 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
409015670 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 6.6414 No No 0.133 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) 44.35 44.35 44.35 44.35 44.35 44.35 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 - 24 months;
W2 - 24 months;
Written VOE - 27 months;
 Business Tax Return - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 28 months;
 (No Data) (No Data)
409015686 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 6.7500 Yes Yes 0 0.000 No No No No (No Data) 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) 42.7 34.25 42.7 34.25 34.25 34.25 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Business Tax Return - 24 months;
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 2 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data) (No Data)
409015720 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 6.9086 No No 0.188 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) 43.59 44.93 43.59 44.93 44.93 44.93 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 - 29 months;
 (No Data) (No Data) (No Data)
409015754 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 6.9466 Yes Yes 1.513 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) 9.26 8.82 9.26 8.82 8.82 8.82 No No (No Data) XXXXX No XXXXX No XXXXX Yes No No (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;
 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)
409015772 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 7.6787 Yes Yes 1.9 1.900 (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) 37.67 35.98 37.67 35.98 35.98 35.98 No No (No Data) XXXXX No XXXXX No XXXXX Yes No No (No Data) Offer Letter - 1 months;
 Business Tax Return - 12 months;
Offer Letter - 1 months;
Personal Tax Return - 24 months;
 Award Letter - 12 months;
 (No Data)
409015784 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 7.0218 Yes Yes 0.225 0.225 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) 31.52 31.38 31.52 31.38 31.38 31.38 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data) (No Data)
409015787 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 6.3684 Yes Yes 0.323 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) 25.82 25.82 25.82 25.82 25.82 25.82 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 29 months;
W2 - 24 months;
Written VOE - 29 months;
 Paystub - 1 months;
W2 - 24 months;
 (No Data) (No Data)
409015853 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 7.5175 Yes Yes 0.122 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) 17.09 17.08 17.09 17.08 17.08 17.08 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)
409015856 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 7.2264 Yes Yes 0.195 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) 14.76 15.33 14.76 15.33 15.33 15.33 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 - 6 months;
Personal Tax Return - 12 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
409015906 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 7.3176 Yes Yes 0.282 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) 25.12 25.08 25.12 25.08 25.08 25.08 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Personal Tax Return - 12 months;
W2 - 24 months;
Written VOE - 29 months;
 Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data)
409015926 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 6.9263 Yes Yes 0.208 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) 34.98 34.98 34.98 34.98 34.98 34.98 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
409015949 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 7.6278 No No 0.243 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) 48.72 47.02 48.72 47.02 47.02 47.02 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;
Written VOE - 27 months;
 (No Data) (No Data)
409015957 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 Exempt XXXXX 7.3095 No No 0.167 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) 47 45.27 47 45.27 45.27 45.27 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
409015958 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 Exempt XXXXX 7.3960 No No 0.156 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) 44.92 44.75 44.92 44.75 44.75 44.75 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;
Paystub - 2 months;
Personal Tax Return - 24 months;
 (No Data) (No Data) (No Data)
409015962 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 7.8076 No No 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) 48.89 48.88 48.89 48.88 48.88 48.88 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Written VOE - 27 months;
 Paystub - 1 months;
W2 - 12 months;
Written VOE - 28 months;
 (No Data) (No Data)
409015965 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 7.6555 Yes Yes 0.138 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) 28.17 28.17 28.17 28.17 28.17 28.17 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)
409015972 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 7.2545 Yes Yes 0.015 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) 23.76 23.76 23.76 23.76 23.76 23.76 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Paystub - 1 months;
Written VOE - 27 months;
 Paystub - 1 months;
Written VOE - 27 months;
 (No Data) (No Data)
409015977 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 Exempt XXXXX 7.5320 No No 0.246 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) 48.86 48.74 48.86 48.74 48.74 48.74 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Paystub - 28 months;
W2 - 24 months;
Written VOE - 28 months;
 (No Data) (No Data) (No Data)
409015983 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 Exempt XXXXX 7.4011 No No 0.182 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) 45 47.65 45 47.65 47.65 47.65 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) 1099 - 24 months;
IRS Transcripts – Tax Return(s) - 12 months;
Personal Tax Return - 24 months;
W2 - 12 months;
 IRS Transcripts – Tax Return(s) - 12 months;
Personal Tax Return - 24 months;
Written VOE - 24 months;
 (No Data) (No Data)
409015984 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 7.2777 Yes Yes 0.188 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) 33.04 33.04 33.04 33.04 33.04 33.04 No No (No Data) XXXXX No XXXXX No XXXXX Yes (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
409015994 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 7.3340 Yes No 0.143 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) 43.43 40.84 43.43 40.84 40.84 40.84 No No (No Data) XXXXX No XXXXX No XXXXX Yes No (No Data) (No Data) Written VOE - 28 months;
 Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data)
409015995 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 7.4020 Yes Yes 0.176 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) 26 25.04 26 25.04 25.04 25.04 No No (No Data) 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 - 24 months;
 Business Tax Return - 12 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months;
 (No Data) (No Data)
409016002 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 7.8044 Yes Yes 0.227 0.227 (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) 32.82 32.72 32.82 32.72 32.72 32.72 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;
 (No Data) (No Data) (No Data)
409016074 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 7.4071 No No 0.217 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) 49.32 49.36 49.32 49.36 49.36 49.36 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;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 30 months;
 1099 - 12 months;
Award Letter - 1 months;
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
 (No Data) (No Data)

 

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