SAIF SECURITIZATION TRUST 2025-CES1 ABS-15G
Exhibit 99.1 - Schedule 4
| Unique Identifier | Loan ID | Seller Loan ID | Investor Loan ID | Transaction ID | Field Name | Source | Verified Value | Bid Tape Value | Comment |
| C202305180089 | XXXXXXX | Original Collateral Value Date | XX/XX/XXXX | XX/XX/XXXX | The delivered Original Collateral Value Date on the tape data provided to QC reflects XX/XX/XXXX however, the appraisal in the file reflects XX/XX/XXXX | ||||
| C202307180044 | XXXXXXX | Qualifying DTI | XXX | XXX | The delivered DTI Ratio on the tape data provided to QC reflects XX%; however, the loan approval in the file reflects XX%. | ||||
| C202407100047 | XXXXXXX | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Finial QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | ||
| C202407100047 | XXXXXXX | XXXXX | Qualifying DTI | diligenceFinalLookPage | XX | XX | Difference in DTI is due to a slightly higher tax amount and a lower monthly XX. Calculated DTI is based on the documentation in file. | ||
| C202408070004 | XXXXXXX | 2000211055 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | The evidence of the QM status used by the creditor was not located in the loan file. | |
| C202408070006 | XXXXXXX | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | QM Safe Harbor APOR (APOR SH) | ||
| C202408070006 | XXXXXXX | XXXXX | Senior Lien Origination Date | TitlePage | XX/XX/XXXX | XX/XX/XXXX | Senior lien origination date XX/XX/XXXX per document in file | ||
| C202408070007 | XXXXXXX | 2000211001 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Compliance issue | |
| C202408070008 | XXXXXXX | 2000211167 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM: Lender documented all ATR UW factors | Confirmed the Finial QM status as QM: Safe Harbor APOR (APOR SH) | |
| C202408070008 | XXXXXXX | 2000211167 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | Credit Report confirms FICO score for the Borrower 1 should be X. The Xscore reflected on the Tape Data is for Borrower 2. | |
| C202408070010 | XXXXXXX | 2000211426 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as QM: Safe Harbor APOR (APOR SH) | |
| C202408070012 | XXXXXXX | 2000211420 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | The
evidence of the QM status used by the creditor was present on the Loan approval as a QM Exempt HPML loan. | |
| C202408070015 | XXXXXXX | 2000211176 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | The Credit Report confirms Xs qualifying FICO score is XXX | |
| C202408070023 | XXXXXXX | 2000211423 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070029 | XXXXXXX | XXXXX | Senior Lien Origination Date | TitlePage | XX/XX/XXXX | XX/XX/XXXX | The Note in file indicates date of XX/XX/XXX | ||
| C202408070030 | XXXXXXX | 2000211147 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Finial QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070031 | XXXXXXX | 2000211511 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed
the Final QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070033 | XXXXXXX | 2000210914 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM: Lender documented all ATR UW factors | Full doc loan | |
| C202408070034 | XXXXXXX | 2000211298 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Finial QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070037 | XXXXXXX | 2000211367 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070038 | XXXXXXX | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM: Lender documented all ATR UW factors | QM Safe Harbor APOR | ||
| C202408070041 | XXXXXXX | 2000211372 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070042 | XXXXXXX | 2000211188 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | Per the lender's credit report in the file, the mid score for the Borrower is XXX | |
| C202408070045 | XXXXXXX | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | The loan is a QM Higher Priced Mortgage Loan. | ||
| C202408070048 | XXXXXXX | 2000211416 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | B1 score is XXX per credit report in file. | |
| C202408070049 | XXXXXXX | XXXXX | Senior Lien Origination Date | TitlePage | XX/XX/XXXX | XX/XX/XXXX | The Note for the senior lien is dated XX/X/XXXX. | ||
| C202408070050 | XXXXXXX | XXXXX | Qualifying DTI | diligenceFinalLookPage | XX | XX | Documentation in file supports lower DTI of XX | ||
| C202408070052 | XXXXXXX | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM: Lender documented all ATR UW factors | Is Non-QM lender documented all ATR factors | ||
| C202408070052 | XXXXXXX | XXXXX | Qualifying DTI | diligenceFinalLookPage | XX | XX | Calculated more income than originator, therefore, the DTI decreased. | ||
| C202408070054 | XXXXXXX | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | The loan is a QM Higher Priced Mortgage Loan | ||
| C202408070060 | XXXXXXX | XXXXX | Senior Lien Origination Date | TitlePage | XX/XX/XXXX | XX/XX/XXXX | Note date of 1st lien is XX/XX/XXXX per the copy of the Note in file. | ||
| C202408070062 | XXXXXXX | 2000211198 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Compliance issue | |
| C202408070064 | XXXXXXX | 2000211417 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | X is lowest mid score from Borrower X per credit report in file. X is highest mid score from Borrower X | |
| C202408070065 | XXXXXXX | XXXXX | Senior Lien Origination Date | TitlePage | XX/XX/XXXX | XX/XX/XXXX | The Note confirms the date of XX/XX/XXX | ||
| C202408070066 | XXXXXXX | 2000210978 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Finial QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070068 | XXXXXXX | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | The loan is a QM Higher Priced Mortgage Loan. | ||
| C202408070068 | XXXXXXX | XXXXX | Qualifying DTI | diligenceFinalLookPage | XX | XX | The DTI of XX was calculated based on the documentation in file. Lower debts were calculated, resulting in the decrease of the DTI. | ||
| C202408070068 | XXXXXXX | XXXXX | Senior Lien Origination Date | TitlePage | XX/XX/XXXX | XX/XX/XXXX | Note indicates senior lien closed XX/XX/XXXX | ||
| C202408070071 | XXXXXXX | 2000211052 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Finial QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070072 | XXXXXXX | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | The loan is a QM Higher Priced Mortgage Loan. | ||
| C202408070073 | XXXXXXX | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | The loan was determined to be a QM Higher Priced Mortgage Loan compliant. | ||
| C202408070073 | XXXXXXX | XXXXX | Senior Lien Origination Date | TitlePage | XX/XX/XXXX | XX/XX/XXXX | The Note for the senior lien confirms XX/XX/XXXXper the copy of the Note in file. | ||
| C202408070075 | XXXXXXX | 2000211177 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070077 | XXXXXXX | 2000211461 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070078 | XXXXXXX | 2000211424 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed
the Final QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070080 | XXXXXXX | 2000210906 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | B score of X is accurate; however, CB score of X should have been considered | |
| C202408070084 | XXXXXXX | 2000211134 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | Borrower 1's median credit score is X per lender credit report | |
| C202408070086 | XXXXXXX | 2000211106 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Finial QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070088 | XXXXXXX | 2000211207 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | QM APOR HP | |
| C202408070089 | XXXXXXX | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | QM Status | ||
| C202408070090 | XXXXXXX | 2000211004 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Finial QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070091 | XXXXXXX | 2000210990 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM: Lender documented all ATR UW factors | ||
| C202408070093 | XXXXXXX | 2000211325 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070094 | XXXXXXX | 2000211037 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Finial QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070096 | XXXXXXX | 2000211412 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | Borrower's FICO score is X per the credit report in file. | |
| C202408070097 | XXXXXXX | XXXXX | Senior Lien Origination Date | TitlePage | XX/XX/XXXX | XX/XX/XXXX | Note in file for senior lien is dated XX/X/XXXX | ||
| C202408070100 | XXXXXXX | 2000211225 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070101 | XXXXXXX | 2000211043 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Compliance issue | |
| C202408070102 | XXXXXXX | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | The loan is HPML compliant , the first lien for subject property has established escrows and a full appraisal was provided. | ||
| C202408070104 | XXXXXXX | 2000211180 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | QM Status | |
| C202408070105 | XXXXXXX | 2000211486 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070109 | XXXXXXX | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Compliance issue | ||
| C202408070116 | XXXXXXX | 2000211084 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | ||
| C202408070117 | XXXXXXX | 2000211028 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Finial QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070118 | XXXXXXX | 2000211092 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | loan is a full doc loan | |
| C202408070119 | XXXXXXX | 2000210928 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM: Lender documented all ATR UW factors | Loan is a full doc loan | |
| C202408070120 | XXXXXXX | 2000211484 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070121 | XXXXXXX | 2000211528 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070125 | XXXXXXX | 2000211247 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Finial QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070133 | XXXXXXX | 2000211300 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | ||
| C202408070133 | XXXXXXX | 2000211300 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | The Credit Report confirms B1 FICO is X | |
| C202408070134 | XXXXXXX | 2000210886 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | The loan is QM Higher Priced Mortgage Loan. | |
| C202408070136 | XXXXXXX | 2000211322 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070136 | XXXXXXX | 2000211322 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | The credit report confirms B1 FICO is X | |
| C202408070139 | XXXXXXX | 2000210927 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM: Lender documented all ATR UW factors | Confirmed Higher Priced | |
| C202408070140 | XXXXXXX | 2000210988 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM: Lender documented all ATR UW factors | Compliance issue | |
| C202408070144 | XXXXXXX | 2000211326 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as QM: Safe Harbor APOR (APOR SH) | |
| C202408070145 | XXXXXXX | 2000211280 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as QM: Safe Harbor APOR (APOR SH) | |
| C202408070149 | XXXXXXX | 2000211021 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Finial QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070151 | XXXXXXX | 2000211284 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | Credit Report confirms True Data FICO score of X | |
| C202408070152 | XXXXXXX | 2000211206 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Finial QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070154 | XXXXXXX | 2000211041 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Finial QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070158 | XXXXXXX | 2000211195 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | ||
| C202408070161 | XXXXXXX | 2000211513 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070162 | XXXXXXX | 2000211475 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as QM: Safe Harbor APOR (APOR SH) | |
| C202408070162 | XXXXXXX | 2000211475 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | Credit report confirms B1 median score is X | |
| C202408070164 | XXXXXXX | 2000211123 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Data reflects QM:Rebuttable Presumption | |
| C202408070165 | XXXXXXX | 2000211451 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070166 | XXXXXXX | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM: Lender documented all ATR UW factors | The loan is a QM Safe Harbor APOR. | ||
| C202408070167 | XXXXXXX | 2000211510 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070168 | XXXXXXX | 2000211459 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070169 | XXXXXXX | 2000211272 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070171 | XXXXXXX | 2000210866 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | QM Status | |
| C202408070174 | XXXXXXX | 2000211306 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | The
evidence of the QM status used by the creditor was present on the Loan approval as a QM HPML loan. | |
| C202408070175 | XXXXXXX | 2000211209 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM: Lender documented all ATR UW factors | Compliance issue | |
| C202408070175 | XXXXXXX | 2000211209 | XXXXX | Collateral Value | propertyValuationPage | XXXX | XXXX | Desktop appraisal reflects XXXX | |
| C202408070177 | XXXXXXX | 2000211005 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Compliance issue | |
| C202408070177 | XXXXXXX | 2000211005 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | Borrower's FICO score reflects X | |
| C202408070179 | XXXXXXX | 2000211476 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | The
Approval Summary reflect the loan is a QM HPML loan. | |
| C202408070183 | XXXXXXX | 2000211392 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as ATR Risk: Safe Harbor APOR did not document all ATR UW Factors (APOR SH) | |
| C202408070184 | XXXXXXX | 2000211290 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070185 | XXXXXXX | 2000211379 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as QM: Safe Harbor APOR (APOR SH) | |
| C202408070186 | XXXXXXX | 3000116731 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM: Lender documented all ATR UW factors | Confirmed Higher Priced | |
| C202408070191 | XXXXXXX | 2000211509 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | The credit report confirms the Borrower 1 Origination FICO score of X | |
| C202408070192 | XXXXXXX | 2000211331 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | Credit Report indicates the Borrowers median score is X | |
| C202408070194 | XXXXXXX | 2000211013 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM: Lender documented all ATR UW factors | QM Status | |
| C202408070195 | XXXXXXX | 2000211321 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070196 | XXXXXXX | 2000211344 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070196 | XXXXXXX | 2000211344 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | The Credit report reflects the Borrowers median score is X | |
| C202408070197 | XXXXXXX | 2000211243 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070201 | XXXXXXX | 2000211277 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM: Lender documented all ATR UW factors | The approval
identified the subject loan as a Non-HPML higher priced loan without QM exemption. | |
| C202408070202 | XXXXXXX | 2000211239 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070203 | XXXXXXX | 2000211482 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070204 | XXXXXXX | 2000211642 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070205 | XXXXXXX | 2000211347 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070206 | XXXXXXX | 2000210964 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM: Lender documented all ATR UW factors | Compliance issue | |
| C202408070208 | XXXXXXX | 2000211141 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | File reflects Average Prime Offer Rate | |
| C202408070209 | XXXXXXX | 2000211438 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070212 | XXXXXXX | 2000211302 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM: Lender documented all ATR UW factors | Confirmed
the Finial QM status as QM: Safe Harbor APOR (APOR SH) | |
| C202408070212 | XXXXXXX | 2000211483 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | credit report reflects b1 score as X | |
| C202408070212 | XXXXXXX | 2000211302 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | The Credit Report confirms B1's qualifying FICO is X | |
| C202408070213 | XXXXXXX | 2000211354 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070214 | XXXXXXX | 2000211474 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070216 | XXXXXXX | 2000211457 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070217 | XXXXXXX | 2000211345 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202408070219 | XXXXXXX | 2000211220 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Subject loan is a full doc loan | |
| C202408070220 | XXXXXXX | 2000211464 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed
the Final QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | |
| C202503070015 | XXXXXXX | 2000219078 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM/ATR Compliant | The Mavent located in the loan file reflects the QM as QM: Higher Priced | |
| C202503070038 | XXXXXXX | 2000218370 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | Tape is B2 score | |
| C202503070039 | XXXXXXX | 2000219013 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | B1 middle score X | |
| C202503070058 | XXXXXXX | 2000219028 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM/ATR Compliant | The Mavent located in the loan file reflects QM as Safe Harbor | |
| C202503070063 | XXXXXXX | 2000219023 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM/ATR Compliant | The Mavent located in the loan file reflects QM as Higher Priced | |
| C202503070078 | XXXXXXX | 2000219068 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM/ATR Compliant | The Mavent reflects loan as QM Safe Harbor APOR | |
| C202503070084 | XXXXXXX | 2000218428 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | X FICO decision score | |
| C202503070086 | XXXXXXX | 2000218389 | XXXXX | Collateral Value | propertyValuationPage | XXXX | XXXX | 1008 showed $XXX but the AVM in file showed value as $XXX | |
| C202503070087 | XXXXXXX | 2000218388 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | Decision score X | |
| C202503070088 | XXXXXXX | 2000218668 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | Credit report reflects the Borrowers median score is X | |
| C202503070102 | XXXXXXX | 2000219025 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | B1 decision FICO X | |
| C202503070103 | XXXXXXX | 2000218719 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | Used most recent scores in file | |
| C202503070119 | XXXXXXX | 2000218330 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | The lower of the 2 scores is X | |
| C202503070120 | XXXXXXX | 2000218364 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | Decision FICOX | |
| C202503070125 | XXXXXXX | 2000218401 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | Only 2 scores reported, lowest score used per guidelines | |
| C202503070130 | XXXXXXX | 2000218622 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | Borrowers mid score is X | |
| C202503070131 | XXXXXXX | 2000218492 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | Borrower 1 credit score is X Appears to be the score of Borrower 2 | |
| C202503070145 | XXXXXXX | 2000218532 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | Credit report indicates B1 mid score is X | |
| C202503070154 | XXXXXXX | 2000219049 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM/ATR Compliant | The Mavent reflects the QM status as Safe Harbor | |
| C202503070154 | XXXXXXX | 2000219049 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | Credit score is X per the credit report in file. | |
| C202503070161 | XXXXXXX | 2000218918 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM/ATR Compliant | ||
| C202503070167 | XXXXXXX | 2000218802 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | Tape is B2 score | |
| C202503070170 | XXXXXXX | 2000218957 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM/ATR Compliant | The Mavent reflects the lender's QM status as QM Safe Harbor | |
| C202503070174 | XXXXXXX | 2000218750 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | B1 score of X per credit report in file | |
| C202503070176 | XXXXXXX | 2000218801 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM/ATR Compliant | The Mavent contained in the loan file indicated the QM status as Safe Harbor | |
| C202503070178 | XXXXXXX | 2000218912 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM/ATR Compliant | Mavent Report reflects ATR/QM Higher Priced APOR. | |
| C202503070183 | XXXXXXX | 2000218900 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM/ATR Compliant | ||
| C202503070184 | XXXXXXX | 2000219050 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM/ATR Compliant | Loan Reflects QM:Safe Harbor APOR. | |
| C202503070192 | XXXXXXX | 2000218992 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM/ATR Compliant | The Mavent reflected the loan as QM Higher Priced | |
| C202503070192 | XXXXXXX | 2000218992 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | B1 FICO X per credit report in file | |
| C202503070194 | XXXXXXX | 2000218945 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM/ATR Compliant | ||
| C202503070196 | XXXXXXX | 2000219041 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM/ATR Compliant | The Mavent located in the loan file reflects the QM status as Safe Harbor | |
| C202504080004 | XXXXXXX | 2000219194 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM/ATR Compliant | The Mavent located in the loan file reflected the QM status as Higher Priced. | |
| C202504080026 | XXXXXXX | 2000219171 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM/ATR Compliant | verified documentation in file. | |
| C202504080027 | XXXXXXX | 2000219359 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM/ATR Compliant | ||
| C202504080028 | XXXXXXX | 2000219306 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM/ATR Compliant | Loan Reflects QM:Safe Harbor APOR | |
| C202504080031 | XXXXXXX | 2000219514 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM/ATR Compliant | verified documentation in loan file | |
| C202504080038 | XXXXXXX | 2000219221 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM/ATR Compliant | this is not a High cost loan | |
| C202504080040 | XXXXXXX | 2000219177 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM/ATR Compliant | Compliance to review | |
| C202504080044 | XXXXXXX | 2000219356 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM/ATR Compliant | Loan Reflects QM:Safe Harbor APOR | |
| C202504080052 | XXXXXXX | 2000219170 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM/ATR Compliant | ||
| C202504080053 | XXXXXXX | 2000219197 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM/ATR Compliant | Confirmed Higher Priced | |
| C202504080056 | XXXXXXX | 2000219527 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM/ATR Compliant | The Mavent located in the loan file reflects the QM status as Safe Harbor. | |
| C202504080056 | XXXXXXX | 2000219527 | XXXXX | Collateral Value | propertyValuationPage | XXXX | XXXX | Appraised value is XXXX per desk review | |
| C202504080071 | XXXXXXX | 2000219331 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM/ATR Compliant | The Mavent reflects the QM status as Safe Harbor | |
| C202504080073 | XXXXXXX | 2000219370 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM/ATR Compliant | Loan Reflects QM:Safe Harbor APOR | |
| C202504080073 | XXXXXXX | 2000219370 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | X is B1 mid score, Tape is lower of 2 mid scores | |
| C202504080078 | XXXXXXX | 2000219201 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM/ATR Compliant | Loan Reflects QM:Safe Harbor APOR. | |
| C202504080086 | XXXXXXX | 2000219674 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | X is B1 mid score, tape is lower of 2 mid scores | |
| C202504080097 | XXXXXXX | 2000219334 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | B1 Origination Fico X per credit report | |
| C202504080109 | XXXXXXX | 2000219703 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM/ATR Compliant | Loan Reflects QM:Safe Harbor APOR | |
| C202504080111 | XXXXXXX | 2000219389 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM/ATR Compliant | The Mavent located in the loan file reflects the QM as QM Safe Harbor | |
| C202504080113 | XXXXXXX | 2000219537 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM/ATR Compliant | The Mavent located in the loan file reflects the QM status as Higher Priced. | |
| C202504080115 | XXXXXXX | 2000219445 | XXXXX | Collateral Value | propertyValuationPage | XXXX | XXXX | Missing appraisal, review came in lower | |
| C202504080123 | XXXXXXX | 2000219428 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM/ATR Compliant | Loan reflects QM:Higher Priced APOR | |
| C202504080125 | XXXXXXX | 2000219535 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM/ATR Compliant | Loan Reflects QM:Safe Harbor APOR. | |
| C202504080127 | XXXXXXX | 2000219374 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM/ATR Compliant | ||
| C202504080133 | XXXXXXX | 2000219603 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM/ATR Compliant | Loan Reflects QM:Safe Harbor APOR | |
| C202504080138 | XXXXXXX | 2000219709 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | X is B1 mid score, Tape is lower of 2 mid scores | |
| C202504080139 | XXXXXXX | 2000219383 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM/ATR Compliant | The Mavent located in the loan file reflects the QM status as QM Safe Harbor | |
| C202504080141 | XXXXXXX | 2000219421 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM/ATR Compliant | verified Safe Harbor APOR | |
| C202504080141 | XXXXXXX | 2000219421 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | B1 Origination FICO X per credit report | |
| C202504080147 | XXXXXXX | 2000219509 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM/ATR Compliant | Loan reflects QM:Higher Priced APOR. | |
| C202504080147 | XXXXXXX | 2000219509 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | Origination score is X, as per the credit report in file. | |
| C202504080148 | XXXXXXX | 2000219534 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM/ATR Compliant | The Mavent located in the loan file reflects the QM status as Higher Priced. | |
| C202504080154 | XXXXXXX | 2000219415 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM/ATR Compliant | The Mavent located in the loan file reflects the QM status as Safe Harbor. | |
| C202504080155 | XXXXXXX | 2000219681 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM/ATR Compliant | Loan Reflects QM:Safe Harbor APOR | |
| C202504080156 | XXXXXXX | 2000219700 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM/ATR Compliant | The Mavent located in the loan file reflects the QM status as Safe Harbor. | |
| C202504080159 | XXXXXXX | 2000219683 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM/ATR Compliant | Loan reflects QM:Higher Priced APOR. | |
| C202504080167 | XXXXXXX | 2000219707 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | X is B1 mid score, Tape is lower of 2 mid scores | |
| C202504080172 | XXXXXXX | 2000219513 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM/ATR Compliant | Loan Reflects QM:Safe Harbor APOR. | |
| C202504080175 | XXXXXXX | 2000219699 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | X is B1 mid score, Tape is lower of 2 mid scores | |
| C202504080178 | XXXXXXX | 2000219463 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM/ATR Compliant | The Mavent located in the loan file reflects the QM Status as Higher Priced | |
| C202504080181 | XXXXXXX | 2000219594 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM/ATR Compliant | The Mavent located in the loan file reflect the QM status as Safe Harbor. | |
| C202504080182 | XXXXXXX | 2000219579 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM/ATR Compliant | Loan reflects QM:Higher Priced APOR | |
| C202504080184 | XXXXXXX | 2000219595 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM/ATR Compliant | The Mavent located in the loan file reflects the QM status as Higher Priced | |
| C202504080186 | XXXXXXX | 2000219523 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM/ATR Compliant | Verified entries are accurate | |
| C202504080187 | XXXXXXX | 2000219602 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM/ATR Compliant | The Mavent in the loan file reflects the QM status to be Higher Price | |
| C202504080193 | XXXXXXX | 2000219691 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM/ATR Compliant | The mavent in ther loan file reflects the QM status as Safe Harbor | |
| C202504080198 | XXXXXXX | 2000219690 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM/ATR Compliant | The Mavent located in the loan file reflects the QM status as Safe Harbor. | |
| C202505080009 | XXXXXXX | 2000219894 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM/ATR Compliant | The Mavent located in the loan file and the review determined the loan to be a QM: Safe Harbor APOR. | |
| C202505080022 | XXXXXXX | 2000219924 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | Borrower1 median score is X per credit report | |
| C202505080027 | XXXXXXX | 2000220096 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | B1 Origination FICO is Xper credit report. | |
| C202505080033 | XXXXXXX | 2000219840 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM/ATR Compliant | The Mavent located in the loan file and the review determined the loan to be a QM: Higher Priced APOR. | |
| C202505080037 | XXXXXXX | 2000219824 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM/ATR Compliant | The Mavent located in the loan file and the review determined the loan to be a QM: Higher Priced APOR. | |
| C202505080047 | XXXXXXX | 2000219897 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM/ATR Compliant | The Mavent located in the loan file and the review determined the loan to be a QM: Higher Priced APOR. | |
| C202505080047 | XXXXXXX | 2000219897 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | B1 median score is X per credit report | |
| C202505080048 | XXXXXXX | 2000219856 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM/ATR Compliant | The Mavent located in the loan file and the review determined the loan to be a QM: Higher Priced APOR. | |
| C202505080049 | XXXXXXX | 2000219878 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM/ATR Compliant | The Mavent located in the loan file and the review determined the loan to be a QM: Higher Priced APOR. | |
| C202505080056 | XXXXXXX | 2000220043 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM/ATR Compliant | Loan review determined the QM status to be Safe Harbor. | |
| C202505080056 | XXXXXXX | 2000220043 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | B1 Origination FICO is X per the credit report. | |
| C202505080058 | XXXXXXX | 2000219802 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM/ATR Compliant | The Mavent located in the loan file and the review determined the loan to be a QM: Higher Priced APOR. | |
| C202505080071 | XXXXXXX | 2000220163 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | B1 Origination FICO is X per credit report. | |
| C202505080090 | XXXXXXX | 2000219896 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM/ATR Compliant | The Mavent located in the loan file and the review determined the loan to be a QM: Higher Priced APOR. | |
| C202505080090 | XXXXXXX | 2000220458 | XXXXX | First Payment Date | notePage | XX/XX/XXXX | XX/X/XXXX | First payment date is XX/XX/XXXX per Note in file | |
| C202505080099 | XXXXXXX | 2000220128 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM/ATR Compliant | The loan was determined to be a QM Higher Priced loan. | |
| C202505080107 | XXXXXXX | 2000220116 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | B1 Origination Score is X per the credit report. | |
| C202505080137 | XXXXXXX | 2000220173 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | B1 Origination score of X, as per the credit report in file. | |
| C202505080162 | XXXXXXX | 2000219949 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM/ATR Compliant | The Mavent located in the loan file and the review determined the loan to be a QM: Higher Priced APOR. | |
| C202505080175 | XXXXXXX | 2000220292 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | B1 Origination score of X as per the credit report in file. | |
| C202505080178 | XXXXXXX | 2000220284 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM/ATR Compliant | Loan review determined the QM status to be Safe Harbor. | |
| C202505080180 | XXXXXXX | 2000220361 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | B1 Origination score is X, as per the credit report in file. | |
| C202505080191 | XXXXXXX | 2000220404 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM/ATR Compliant | Loan review determined the QM status to be Higher priced. | |
| C202505080191 | XXXXXXX | 2000220404 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | B1 Origination score of X as per the credit report in file. | |
| C202505080193 | XXXXXXX | 2000220387 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | B1 Origination score of X as per the credit report in file. | |
| C202505080204 | XXXXXXX | 2000220362 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM/ATR Compliant | QM status Average Prime offer rate (APOR) | |
| C202506100023 | XXXXXXX | 2000220458 | XXXXX | Maturity Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Maturity date is XX/X/XXXX per Note in file | |
| C202506100032 | XXXXXXX | 2000220515 | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM/ATR Compliant | Loan review determined the QM status to be Higher Priced. | |
| C202506100249 | XXXXXXX | 2000220519 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | B1 Origination FICO score of X, as per the credit report in file. | |
| P202310100014 | XXXXXXX | Origination Date | XX/XX/XXXX | XX/XX/XXXX | The delivered Origination Date on the tape data provided to QC reflects XX/XX/XXXXhowever, the Note in the file reflects XX/XX/XXXX | ||||
| P202404150046 | XXXXXXX | Senior Loan Amount | XXXX | XXXX | The delivered Senior Loan Amount on the tape data provided to QC reflects $X; however, the Senior Lien Note in the file reflects the Senior Loan Amount as $X. It appears the current Senior Lien Balance was provided instead of the Senior Loan Amount. | ||||
| P202404150046 | XXXXXXX | Original Collateral Value Date | XX/XX/XXXX | XX/XX/XXXX | The delivered Original Collateral Value Date on the tape data provided to QC reflects XX/XX/XXXX; however, the Appraisal in the file has an effective date of XX/XX/XXXX | ||||
| P202404150048 | XXXXXXX | Original Collateral Value Date | XX/XX/XXXX | XX/XX/XXXX | The delivered Original Collateral Value Date on the tape data provided to QC reflects XX/XX/XXXX ; however, the Appraisal in the file has an effective date of XX/XX/XXXX | ||||
| P202405150004 | XXXXXXX | Senior Loan Amount | XXXX | XXXX | The delivered Senior Loan Amount on the tape data provided to QC reflects $X however, the Senior Lien Note in the file reflects the Senior Loan Amount as $X It appears the current Senior Lien Balance was provided instead of the Senior Loan Amount. | ||||
| P202405150004 | XXXXXXX | Original Collateral Value Date | XX/XX/XXXX | XX/XX/XXXX | The delivered Original Collateral Value Date on the tape data provided to QC reflects XX/XX/XXXX however, the Desktop Appraisal in the file has an effective date of XX/XX/XXXX | ||||
| P202405150004 | XXXXXXX | Originator QM Status | Non-QM: Lender documented all ATR UW factors | The delivered Final ATR QM Status on the tape data provided to QC reflects US Citizen and the Residency Status on the tape data is blank. It appears the two columns were transposed. The ATR QM Status is not provided on the tape data for comparison. | |||||
| P202405150015 | XXXXXXX | Senior Loan Amount | XXXX | XXXX | The delivered Senior Loan Amount on the tape data provided to QC reflects X however, the Account History in the file reflects $X | ||||
| P202405150015 | XXXXXXX | Original Collateral Value Date | XX/XX/XXXX | XX/XX/XXXX | The delivered Original Collateral Value Date on the tape data provided to QC reflects "NULL"; the Appraisal in the file has an effective date of XX/XX/XXXX | ||||
| P202405150015 | XXXXXXX | Original PI Payment | the Original PI Payment as $X | X | The delivered Original PI Payment on the tape data provided to QC reflects $X however, the Note in the file reflects the Original PI Payment as $x | ||||
| P202405150037 | XXXXXXX | Senior Loan Amount | XXXX | XXXX | The delivered Senior Loan Amount on the tape data provided to QC reflects $Xhowever, the Senior Lien Note in the file reflects the Senior Loan Amount as $X It appears the current Senior Lien Balance was provided instead of the Senior Loan Amount. | ||||
| P202405150037 | XXXXXXX | Original Collateral Value Date | XX/XX/XXXX | XX/XX/XXXX | The delivered Original Collateral Value Date on the tape data provided to QC reflects XX/XX/XXXX however, the X Report in the file has an effective date of XX/XX/XXXX | ||||
| P202405150038 | XXXXXXX | Senior Loan Amount | XXXX | XXXX | The delivered Senior Loan Amount on the tape data provided to QC reflects $XXX; however, the Senior Lien Note in the file reflects the Senior Loan Amount as $XXX. It appears the current Senior Lien Balance was provided instead of the Senior Loan Amount. | ||||
| P202405150038 | XXXXXXX | Original Collateral Value Date | XX/XX/XXXX | XX/XX/XXXX | The delivered Original Collateral Value Date on the tape data provided to QC reflects XX/XX/XXXX however, the X Report in the file has an effective date of XX/XX/XXXX | ||||
| P202405150038 | XXXXXXX | Originator QM Status | Non-QM: Lender documented all ATR UW factors | The delivered Final ATR QM Status on the tape data provided to QC reflects US Citizen and the Residency Status on the tape data is blank. It appears the two columns were transposed. The ATR QM Status is not provided on the tape data for comparison. | |||||
| P202406170022 | XXXXXXX | Senior Loan Amount | XXXX | XXXX | The delivered Senior Loan Amount on the tape data provided to QC reflects $X however, the Credit Report in the file reflects the Senior Loan Balance as $X | ||||
| P202406170022 | XXXXXXX | Original Collateral Value Date | XX/XX/XXXX | XX/XX/XXXX | The delivered Original Collateral Value Date on the tape data provided to QC reflects XX/XX/XXXX ; however, the X Report in the file has an effective date of XX/XX/XXXX | ||||
| P202406170027 | XXXXXXX | Original Collateral Value Date | XX/XX/XXXX | XX/XX/XXXX | The delivered Original Collateral Value Date on the tape data provided to QC reflects XX/XX/XXXX; however, the Appraisal in the file has an effective date of XX/XX/XXXX | ||||
| P202406170027 | XXXXXXX | Qualifying DTI | XXX | XXX | The delivered DTI Ratio on the tape data provided to QC reflects XX%; however, the Transmittal Summary in the file reflects the DTI Ratio as XX%. | ||||
| P202407150003 | XXXXXXX | Original Collateral Value Date | XX/XX/XXXX | XX/XX/XXXX | The delivered Original Collateral Value Date on the tape data provided to QC reflects XX/XX/XXXX ; however, the X Report in the file has an effective date of XX/XX/XXXX | ||||
| P202407150007 | XXXXXXX | Senior Loan Amount | XXXX | XXXX | The delivered Senior Loan Amount on the tape data provided to QC reflects X however, the Account History in the file reflects $X | ||||
| P202407150007 | XXXXXXX | Qualifying Credit Score | XXX | XXX | The delivered UW FICO Utilized on the tape data provided to QC reflects X; however, the most recent credit report in the file reflects the Borrower's FICO as X | ||||
| P202407150007 | XXXXXXX | Original PI Payment | X | X | The delivered Original PI Payment on the tape data provided to QC reflects $X however, the subject Note in the file reflects the Original PI Payment as $X. | ||||
| P202407150007 | XXXXXXX | Qualifying DTI | XXX | XXX | The delivered DTI Ratio on the tape data provided to QC reflects XX%; however, the latest dated 1008 in the file reflects the DTI Ratio as XX%. QC calculated a DTI Ratio of XX%. | ||||
| P202408200001 | XXXXXXX | Senior Lien Origination Date | X | Was not provided | The Sr Lien Origination Date was not provided on the tape data delivered to QC; the credit report in the file reflects the Sr Lien Origination Date as XX/XX/XXXX | ||||
| P202408200001 | XXXXXXX | Original Collateral Value Date | XX/XX/XXXX | XX/XX/XXXX | The delivered Original Collateral Value Date on the tape data provided to QC reflects XX/XX/XXXX however, the Appraisal in the file has an effective date of XX/XX/XXXX | ||||
| P202408200001 | XXXXXXX | Senior Loan Amount | XXXX | XXXX | The delivered Senior Loan Amount on the tape data provided to QC reflects $XX; however, the mortgage statement in the file reflects $XXX | ||||
| P202408200002 | XXXXXXX | Senior Loan Amount | XXXX | XXXX | The delivered Senior Loan Amount on the tape data provided to QC reflects $Xhowever, the Account History in the file reflects $X | ||||
| P202408200006 | XXXXXXX | XXXXX | Senior Loan Amount | titlePage | XXXXXX | XXXXXX | The VOM reflects the current balance of the senior lien as $XXXX | ||
| P202408200006 | XXXXXXX | XXXXX | Qualifying DTI | diligenceFinalLookPage | XX | XX | Tax transcripts confirm negative Sch C income for the Borrower. Negative income caused the DTI to increase above loan program guidelines. | ||
| P202408200006 | XXXXXXX | XXXXX | Senior Lien Origination Date | TitlePage | XX/XX/XXXX | XX/XX/XXXX | The Senior Loan Note date is XX/XX/XXXX, per a copy of the Note in file. | ||
| P202408200008 | XXXXXXX | Senior Loan Amount | XXXX | XXXX | The delivered Senior Loan Amount on the tape data provided to QC reflects $X however, the Account History in the file reflects $X | ||||
| P202408200008 | XXXXXXX | Original Collateral Value Date | XX/XX/XXXX | XX/XX/XXXX | The delivered Original Collateral Value Date on the tape data provided to QC reflects XX/XX/XXXX however, the Desktop Appraisal in the file has an effective date of XX/XX/XXXX | ||||
| P202408200009 | XXXXXXX | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | The loan is a QM Higher Priced Mortgage Loan. | ||
| P202408200009 | XXXXXXX | XXXXX | Qualifying DTI | diligenceFinalLookPage | XX | XX | DTI is based on the documentation in file. DTI decreased due to calculation of lower debts. Lender included a joint account for XXX therefore, including the payment twice. | ||
| P202408200009 | XXXXXXX | XXXXX | Senior Loan Amount | titlePage | XXXXXX | XXXXXX | Current balance of senior lien was obtained from the VOM. | ||
| P202408200010 | XXXXXXX | Original Collateral Value Date | XX/XX/XXXX | XX/XX/XXXX | The delivered Original Collateral Value Date on the tape data provided to QC reflects XX/XX/XXXX however, the XReport in the file has an effective date of XX/XX/XXXX | ||||
| P202408200011 | XXXXXXX | Original Collateral Value Date | XX/XX/XXXX | XX/XX/XXXX | The delivered Original Collateral Value Date on the tape data provided to QC reflects XX/XX/XXXX however, the X Report in the file has an effective date of XX/XX/XXXX | ||||
| P202408200012 | XXXXXXX | Original Collateral Value Date | XX/XX/XXXX | XX/XX/XXXX | The delivered Original Collateral Value Date on the tape data provided to QC reflects XX/XX/XXXX however, the X Report in the file has an effective date of XX/XX/XXXX | ||||
| P202408200013 | XXXXXXX | Senior Loan Amount | XXXX | XXXX | The delivered Senior Loan Amount on the tape data provided to QC reflects $3Xhowever, the Account History in the file reflects $X | ||||
| P202408200014 | XXXXXXX | Original Collateral Value Date | XX/XX/XXXX | XX/XX/XXXX | The delivered Original Collateral Value Date on the tape data provided to QC reflects XX/XX/XXXX however, the Desktop Appraisal in the file has an effective date ofXX/XX/XXXX | ||||
| P202408200017 | XXXXXXX | Original Collateral Value Date | XX/XX/XXXX | XX/XX/XXXX | The delivered Original Collateral Value Date on the tape data provided to QC reflects XX/XX/XXXX; however, the Appraisal in the file has an effective date of XX/XX/XXXX | ||||
| P202408200020 | XXXXXXX | Senior Loan Amount | XXXX | XXXX | The delivered Senior Loan Amount on the tape data provided to QC reflects $X; however, the mortgage statement and account history in the file reflect $X | ||||
| P202408200022 | XXXXXXX | Senior Loan Amount | XXXX | XXXX | The delivered Senior Loan Amount on the tape data provided to QC reflects $X however, the Account History in the file reflects $1X | ||||
| P202408200023 | XXXXXXX | Original Collateral Value Date | XX/XX/XXXX | XX/XX/XXXX | The delivered Original Collateral Value Date on the tape data provided to QC reflects XX/XX/XXXX; however, the Appraisal in the file has an effective date of XX/XX/XXXX | ||||
| P202408200024 | XXXXXXX | Senior Loan Amount | XXXX | XXXX | The delivered Senior Loan Amount on the tape data provided to QC reflects $X; however, the Account History in the file reflects $X | ||||
| P202408200024 | XXXXXXX | Original Collateral Value Date | XX/XX/XXXX | XX/XX/XXXX | The delivered Original Collateral Value Date on the tape data provided to QC reflects XX/XX/XXXX; however, the Appraisal in the file has an effective date of XX/XX/XXXX | ||||
| P202408200025 | XXXXXXX | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | ||
| P202408200025 | XXXXXXX | XXXXX | Qualifying DTI | diligenceFinalLookPage | XX | XX | The Transmittal Summary indicates the loan was approved with a DTI of XX. QC calculated a higher base employment income which caused the DTI to decrease to XX | ||
| P202408200026 | XXXXXXX | Original Collateral Value Date | XX/XX/XXXX | XX/XX/XXXX | The delivered Original Collateral Value Date on the tape data provided to QC reflects XX/XX/XXXX; however, the Appraisal in the file has an effective date of XX/XX/XXXX | ||||
| P202408200029 | XXXXXXX | Original Collateral Value Date | XX/XX/XXXX | XX/XX/XXXX | The delivered Original Collateral Value Date on the tape data provided to QC reflects XX/XX/XXXX; however, the Appraisal in the file has an effective date of XX/XX/XXXX | ||||
| P202408200030 | XXXXXXX | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | ||
| P202408200030 | XXXXXXX | XXXXX | Qualifying DTI | diligenceFinalLookPage | XX | XX | Lender used a higher P&I payment for first mortgage than what was documented in the file on the previous Note. | ||
| P202408200033 | XXXXXXX | Senior Loan Amount | XXXX | XXXX | The delivered Senior Loan Amount on the tape data provided to QC reflects X however, the Account History in the file reflects $X | ||||
| P202408200033 | XXXXXXX | Original Collateral Value Date | XX/XX/XXXX | XX/XX/XXXX | The delivered Original Collateral Value Date on the tape data provided to QC reflects XX/XX/XXXX; however, the Appraisal in the file has an effective date of XX/XX/XXXX | ||||
| P202408200034 | XXXXXXX | Senior Loan Amount | XXXX | XXXX | The delivered Senior Loan Amount on the tape data provided to QC reflects X however, the Account History in the file reflects $X | ||||
| P202408200034 | XXXXXXX | Original Collateral Value Date | XX/XX/XXXX | XX/XX/XXXX | The delivered Original Collateral Value Date on the tape data provided to QC reflects XX/XX/XXXX; however, the Appraisal in the file has an effective date of XX/XX/XXXX | ||||
| P202408200036 | XXXXXXX | Original Collateral Value Date | XX/XX/XXXX | XX/XX/XXXX | The delivered Original Collateral Value Date on the tape data provided to QC reflects XX/XX/XXXX; however, the X Report in the file has an effective date of XX/XX/XXXX | ||||
| P202408200037 | XXXXXXX | Senior Loan Amount | XXXX | XXXX | The delivered Senior Loan Amount on the tape data provided to QC reflects X however, the Account History in the file reflects $X | ||||
| P202408200037 | XXXXXXX | Original Collateral Value Date | XX/XX/XXXX | XX/XX/XXXX | The delivered Original Collateral Value Date on the tape data provided to QC reflects XX/XX/XXXX; however, the X Report in the file has an effective date of XX/XX/XXXX | ||||
| P202408200039 | XXXXXXX | Senior Loan Amount | XXXX | XXXX | The delivered Senior Loan Amount on the tape data provided to QC reflects X however, the Account History in the file reflects $X | ||||
| P202408200039 | XXXXXXX | Original Collateral Value Date | XX/XX/XXXX | XX/XX/XXXX | The delivered Original Collateral Value Date on the tape data provided to QC reflects XX/XX/XXXX; however, the X Report in the file has an effective date of XX/XX/XXXX | ||||
| P202409160004 | XXXXXXX | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | ||
| P202409160005 | XXXXXXX | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | The Borrower's mid credit score is X per the credit report in file. | ||
| P202409160007 | XXXXXXX | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Finial QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | ||
| P202409160012 | XXXXXXX | Senior Loan Amount | XXXX | XXXX | The delivered Senior Loan Amount on the tape data provided to QC reflects $X; however, the mortgage statement in the file reflects X | ||||
| P202409160014 | XXXXXXX | XXXXX | Collateral Value | propertyValuationPage | XXXX | XXXX | Appraisal reflects subject value as XXXX | ||
| P202409160016 | XXXXXXX | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | ||
| P202409160016 | XXXXXXX | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | The Borrower's credit score is X per the credit report in file. | ||
| P202409160017 | XXXXXXX | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | ||
| P202409160023 | XXXXXXX | XXXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Confirmed the Final QM status as QM: Higher Priced Mortgage Loan APOR (APOR HP) | ||
| P202409160026 | XXXXXXX | XXXXX | Qualifying DTI | diligenceFinalLookPage | XX | XX | The increase in DTI is due to a new debt reflected on the updated credit report that was not paid off nor included. Base income was also calculated less than the lender. | ||
| P202409160031 | XXXXXXX | 9102422957 | XXXXX | Qualifying Credit Score | creditLiabilitiesPage | XXX | XXX | Credit report confirms Borrowers median score is X | |
| P202409160031 | XXXXXXX | X | XXXXX | Senior Lien Origination Date | TitlePage | XX/XX/XXXX | XX/XX/XXXX | Senior Note in file is dated XX/XX/XXXX | |
| P202411200023 | XXXXXXX | X | XXXXX | Senior Lien Origination Date | TitlePage | XX/XX/XXXX | XX/XX/XXXX | Senior loan date isXX/XX/XXXXper the Note provided. | |