Nomura Asset Depositor Company, LLC ABS-15G

Exhibit 99.30

 

Loan ID Seller Loan ID Investor Loan ID Loan Program Guideline Product Name Originator Name Originating Entity CDFI Flag Guideline Name Guideline Author Guideline Date Guideline Version Application Date TILA Status TRID GSE Verified Safe Harbor Flag Verified Safe Harbor Reference Document QM Regulation Failures ATR QM Total Points and Fees Audit Loan Regulation Benchmark Date Benchmark Rate AUS Decision System Rating Result Property Inspection Waiver (PIW) Calculated APR HUD 1 Page 1 Credits Total Verified Qualifying Rate Originator Qualifying Rate Qualifying P&I Default Interest Rate Present Default Interest Rate Annual Property Tax Monthly Property Tax Annual Insurance Costs Monthly Insurance Cost Annual HOA Costs Monthly HOA Costs Monthly Other Costs PITIA Residual Income HOA Questionnaire Flag HOA Name HOA Address State HOA Fee Amount HOA Next Due Date HOA Payment Frequency Originator DTI TPR Verified DTI QM DTI Is Borrower Non Occupant Is Co Borrower Non Occupant Co Borrower 2 Asset Verification Level Co Borrower 3 Asset Verification Level Co Borrower 2 Income Verification Level Co Borrower 3 Income Verification Level Co Borrower 2 Employment Verification Level Co Borrower 3 Employment Verification Level Borrower Employment Indicator Co Borrower Employment Indicator Co Borrower 2 Employment Indicator Co Borrower 3 Employment Indicator Co Borrower 2 Length of Employment Co Borrower 3 Length of Employment Document Level Borrower Years of W2s/1099 CoBorrower Years of W2s/1099 Borrower Months of Paystubs Verified Co Borrower Months of Paystubs Verified Borrower Employment Gap Letter Borrower Months of Employment Gap Co Borrower Employment Gap Letter Co Borrower Months of Employment Gap Borrower Years of Personal Tax Returns Borrower Years of Business Tax Returns CoBorrower Years of Personal Tax Returns CoBorrower Years of Business Tax Returns Years of 4506T Years of Tax Transcripts Borrower Award/Offer Letter Co Borrower Award/Offer Letter Asset Depletion Flag Partial Asset Depletion Flag Asset Depletion Months Amortized Asset Utilization Flag (No DTI) Borrower Bank Statements Flag Borrower Bank Statement Summary/Lender Worksheet Borrower Number of Personal Bank Statements Borrower Number of Business Bank Statements CoBorrower Bank Statements Flag Co Borrower Bank Statement Summary/Lender Worksheet CoBorrower Number of Personal Bank Statements CoBorrower Number of Business Bank Statements Percent of Income From Statements Borrower Business Ownership % CoBorrower Business Ownership % Bespoke Eligible Assets Borrower P&L Type Borrower Number of Months P&L Borrower P&L Prepared By CoBorrower P&L Type CoBorrower P&L Prepared By CoBorrower Number of Months P&L Borrower CPA Letter Flag # of Months CPA verified income CoBorrower CPA Letter Flag CoBorrower # of Months CPA verified income Borrower WVOE Flag Borrower # of Months Employment Validated WVOE Borrower # of Months Income Validated WVOE Borrower WVOE Form Type CoBorrower WVOE Flag CoBorrower # of Months WVOE CoBorrower # of Months Income Validated WVOE CoBorrower WVOE Form Type DSCR Flag TPR DSCR Originator DSCR Expense Letter Income Doc Detail Tax Return Doc Details Property Address Property City Property State Property Zip Property County Original Credit Report Date Borrower 1 Credit Report Date Borrower 2 Credit Report Date Borrower 3 Credit Report Date Borrower 4 Credit Report Date Qualifying Credit Score Third Wage Earner Original FICO Equifax Third Wage Earner Original FICO Experian Third Wage Earner Original FICO Transunion Fourth Wage Earner Original FICO Equifax Fourth Wage Earner Original FICO Experian Fourth Wage Earner Original FICO Transunion Most Recent Co Borrower 2 FICO Most Recent Co Borrower 3 FICO Updated Credit Report Flag Updated Credit Report Date Updated FICO Method Primary Wage Earner Updated FICO Equifax Primary Wage Earner Updated FICO Experian Primary Wage Earner Updated FICO Transunion Secondary Wage Earner Updated FICO Equifax Secondary Wage Earner Updated FICO Experian Secondary Wage Earner Updated FICO Transunion Third Wage Earner Updated FICO Equifax Third Wage Earner Updated FICO Experian Third Wage Earner Updated FICO Transunion Fourth Wage Earner Updated FICO Equifax Fourth Wage Earner Updated FICO Experian Fourth Wage Earner Updated FICO Transunion Updated Primary Borrower FICO Updated Co Borrower FICO Updated Co Borrower 2 FICO Updated Co Borrower 3 FICO Updated Qualifying FICO Most Recent Bankruptcy Type Most Recent Bankruptcy Filing Date Most Recent Bankruptcy Discharge Date Number of Bankruptcy Events Months Bankruptcy 7 11  Months Bankruptcy 13  Most Recent Deed in Lieu Date Number of Deed in Lieu Events Months Deed in Lieu Most Recent Short Sale Date Number of Short Sale Events Months Short Sale (or Pre FC)  Most Recent Foreclosure Date Number of Foreclosure Events Months Foreclosure Prior Mortgage/Rent Lates 30d in 0-12m Prior Mortgage/Rent Lates 60d in 0-12m Prior Mortgage/Rent Lates 90d in 0-12m Prior Mortgage/Rent Lates 120d+ in 0-12m Prior Mortgage/Rent Lates 30d in 13-24m Prior Mortgage/Rent Lates 60d in 13-24m Prior Mortgage/Rent Lates 90d in 13-24m Prior Mortgage/Rent Lates 120d+ in 13-24m Prior Mortgage/Rent Late 30d in 24m Prior Mortgage/Rent Late 60d in 24m Prior Mortgage/Rent Late 90d in 24m Has ACH Is Equity Shared Loan Subordinate Lien Type Subordinate Lien Max Draw Amount (HELOC) Is Shared Appreciation Mortgage Borrower Originator Citizenship Designation Borrower Verified Citizenship Designation Borrower Individual Tax Identification Number (ITIN)? Borrower Photo Identification Type Borrower Photo Identification Other Type Borrower Photo ID State of Issuance Borrower Photo ID Country of Issuance Borrower Photo ID Expiration Date Borrower Passport Country of Origin Borrower Passport Expiration Date Borrower Non-US Citizen Identification Document Borrower Date of Resident Since/Valid Date Borrower Non-US Document Expiration Date Co Borrower Originator Citizenship Designation Co Borrower Verified Citizenship Designation Co Borrower Individual Tax Identification Number (ITIN)? Co Borrower Photo Identification Type Co Borrower Photo Identification Other Type Co Borrower Photo ID State of Issuance Co Borrower Photo ID Country of Issuance Co Borrower Photo ID Expiration Date Co Borrower Passport Country of Origin Co Borrower Passport Expiration Date Co Borrower Non-US Citizen Identification Document Co Borrower Date of Resident Since/Valid Date Co Borrower Non-US Document Expiration Date Co Borrower 2 Originator Citizenship Designation Co Borrower 2 Verified Citizenship Designation Co Borrower 2 Individual Tax Identification Number (ITIN)? Co Borrower 2 Photo Identification Type Co Borrower 2 Photo Identification Other Type Co Borrower 2 Photo ID State of Issuance Co Borrower 2 Photo ID Country of Issuance Co Borrower 2 Photo ID Expiration Date Co Borrower 2 Passport Country of Origin Co Borrower 2 Passport Expiration Date Co Borrower 2 Non-US Citizen Identification Document Co Borrower 2 Date of Resident Since/Valid Date Co Borrower 2 Non-US Document Expiration Date Co Borrower 3 Originator Citizenship Designation Co Borrower 3 Verified Citizenship Designation Co Borrower 3 Individual Tax Identification Number (ITIN)? Co Borrower 3 Photo Identification Type Co Borrower 3 Photo Identification Other Type Co Borrower 3 Photo ID State of Issuance Co Borrower 3 Photo ID Country of Issuance Co Borrower 3 Photo ID Expiration Date Co Borrower 3 Passport Country of Origin Co Borrower 3 Passport Expiration Date Co Borrower 3 Non-US Citizen Identification Document Co Borrower 3 Date of Resident Since/Valid Date Co Borrower 3 Non-US Document Expiration Date Property Rights Leasehold Lease Expiration Date Buydown Flag Assumable Mortgage Flag Foreign National Alternative Credit Documentation Liquid / Cash Reserves (ASF) Months Liquid Reserves Total Assets Available for Reserves Months Reserves Blanket Mortgage Flag Qualifying HCLTV Condo Warrantability Flag E-Note Flag O&E in lieu of Title Insurance Business Purpose Flag Borrower Note Executed As Co Borrower Note Executed As Co Borrower 2 Note Executed As Co Borrower 3 Note Executed As
XXXX   5941865 XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No   Appendix Q Documentation 16225   0.000% Manual Underwriting Manual Underwriting No 4.215%   0.625% 5.250% XXXX No   $22,503.96 $1,875.33 $1,500.12 $125.01 $0.00 $0.00 $0.00 XXXX $11,387.00 N/A XXXX   $0.00 XXXX   40.61% 44.69% 54.06% No   1 - Not Stated Not Verified 1 - Not Stated Not Verified         Employed           Full Doc 0 0 NA NA   0     0 0 0 0 2 2 NA NA No No 0 No Yes   2 2 No       0.00% 0.00%   XXXX N/A 0   N/A     NA 0 No   Yes 0 0   NA   0   No 0     Borrower - Wage - Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified, Business Bank Statements Verified Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX     682                 No                                             0       0     0     0   0 0 0 0         0 0 0 Unknown No     No US Citizen           United States XXXX                         XXXX                                                               Fee Simple   No   N/A 122987.75 18.0 122987.75 18.0   80 N/A No No   Borrower As Individual N/A N/A N/A
XXXX   5726693 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Appendix Q Documentation 0 05/08/2023 6.400% Manual Underwriting Manual Underwriting No 7.837%   7.490% 7.490% XXXX No   $14,025.00 $1,168.75 $1,195.32 $99.61 $0.00 $0.00 $0.00 XXXX $15,156.83 N/A XXXX   $0.00 XXXX   33.82% 33.82% 33.82% No               Self-Employed           12 Month Bank Statement 0 0 NA NA N/A 0 N/A 0 0 0 0 0 3 0 NA NA No No 0 No Yes Yes 0 12 No N/A 0 0 100.00% 33.00%   XXXX N/A 0 N/A N/A N/A 0 Yes 12 No 0 NA 0 0 N/A NA 0 0 N/A No 0   N/A Borrower - SEPartnership - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2022, 2023 Borrower - 3 YRS Executed 4506T Verified - 2022, 2023 XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX     684                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   CA United States XXXX     N/A                   XXXX                                                               Fee Simple   No No N/A 326560.60 45.0 326560.60 45.0 No 76.34 N/A No No No Borrower As Individual N/A N/A N/A
XXXX   5726709 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt Yes No No N/A Appendix Q Documentation 0 08/21/2023 7.150% Manual Underwriting Manual Underwriting No 0.000%   8.750% 8.750% XXXX No   $518.76 $43.23 $1,747.92 $145.66 $5,820.00 $485.00 $0.00 XXXX $11,574.28 Yes XXXX FL $485.00 XXXX Monthly 38.83% 38.83% 38.83% Yes               Self-Employed           Full Doc 0 0 NA NA N/A 0 N/A 0 2 2 0 0 3 2 NA NA No No 0 No No Yes 0 0 No N/A 0 0 0.00% 100.00%   XXXX Audited 7 CPA N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0   N/A Borrower - SECorporation - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120), YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2021, 2022, 2023 Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2021, 2022, 2023 XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX     769                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No     No US Citizen US Citizen N/A Real ID Driver's License   FL United States XXXX     N/A                   XXXX                                                               Fee Simple   No No N/A 79310.19 30.3 79310.19 30.3 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A
XXXX   4649134 XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   No   No   N/A 0   0.000%     No 0.000%   9.000%   XXXX No       $0.00   $0.00 $0.00 $0.00 XXXX   N/A XXXX   $0.00 XXXX         Unknown               Unknown                       0             0 0     No No 0 No No   0 0 No       0.00%     XXXX   0           0 No     0 0       0   No           XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX                       No                                             0       0     0     0   0 0 0 0               Unknown                       XXXX                         XXXX                                                                   No   N/A .00 0.0         N/A No No No Borrower As Individual N/A N/A N/A
XXXX   4649231 XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   No   No   N/A 0   0.000%     No 0.000%   7.875%   XXXX No       $0.00   $0.00 $0.00 $0.00 XXXX   N/A XXXX   $0.00 XXXX         Unknown               Unknown                       0             0 0     No No 0 No No   0 0 No       0.00%     XXXX   0           0 No     0 0       0   No           XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX                       No                                             0       0     0     0   0 0 0 0               Unknown                       XXXX                         XXXX                                                                   No   N/A .00 0.0         N/A No No No Borrower As Individual N/A N/A N/A
XXXX   4649104 XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   No   No   N/A 0   0.000%     No 0.000%   11.750%   XXXX No       $0.00   $0.00 $0.00 $0.00 XXXX   N/A XXXX   $0.00 XXXX         Unknown               Unknown                       0             0 0     No No 0 No No   0 0 No       0.00%     XXXX   0           0 No     0 0       0   No           XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX                       No                                             0       0     0     0   0 0 0 0               Unknown                       XXXX                         XXXX                                                                   No   N/A .00 0.0         N/A No No No Borrower As Individual N/A N/A N/A
XXXX   4649142 XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   No   No   N/A 0   0.000%     No 0.000%   6.000%   XXXX No       $0.00   $0.00 $0.00 $0.00 XXXX   N/A XXXX   $0.00 XXXX         Unknown               Unknown                       0             0 0     No No 0 No No   0 0 No       0.00%     XXXX   0           0 No     0 0       0   No           XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX                       No                                             0       0     0     0   0 0 0 0               Unknown                       XXXX                         XXXX                                                                   No   N/A .00 0.0         N/A No No No Borrower As Individual N/A N/A N/A
XXXX   4649191 XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   No   No   N/A 0   0.000%     No 0.000%   9.250%   XXXX No       $0.00   $0.00 $0.00 $0.00 XXXX   N/A XXXX   $0.00 XXXX         Unknown               Unknown                       0             0 0     No No 0 No No   0 0 No       0.00%     XXXX   0           0 No     0 0       0   No           XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX                       No                                             0       0     0     0   0 0 0 0               Unknown                       XXXX                         XXXX                                                                   No   N/A .00 0.0         N/A No No No Borrower As Individual N/A N/A N/A
XXXX   4649193 XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   No   No   N/A 0   0.000%     No 0.000%   0.000%   XXXX No       $0.00   $0.00 $0.00 $0.00 XXXX   N/A XXXX   $0.00 XXXX         Unknown               Unknown                       0             0 0     No No 0 No No   0 0 No       0.00%     XXXX   0           0 No     0 0       0   No           XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX                       No                                             0       0     0     0   0 0 0 0               Unknown                       XXXX                         XXXX                                                                   No   N/A .00 0.0         N/A No No No Borrower As Individual N/A N/A N/A
XXXX   4649229 XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   No   No   N/A 0   0.000%     No 0.000%   8.500%   XXXX No       $0.00   $0.00 $0.00 $0.00 XXXX   N/A XXXX   $0.00 XXXX         Unknown               Unknown                       0             0 0     No No 0 No No   0 0 No       0.00%     XXXX   0           0 No     0 0       0   No           XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX                       No                                             0       0     0     0   0 0 0 0               Unknown                       XXXX                         XXXX                                                                   No   N/A .00 0.0         N/A No No No Borrower As Individual N/A N/A N/A
XXXX   4649107 XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   No   No   N/A 0   0.000%     No 0.000%   5.990%   XXXX No       $0.00   $0.00 $0.00 $0.00 XXXX   N/A XXXX   $0.00 XXXX         Unknown               Unknown                       0             0 0     No No 0 No No   0 0 No       0.00%     XXXX   0           0 No     0 0       0   No           XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX                       No                                             0       0     0     0   0 0 0 0               Unknown                       XXXX                         XXXX                                                                   No   N/A .00 0.0         N/A No No No Borrower As Individual N/A N/A N/A
XXXX   4649116 XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   No   No   N/A 0   0.000%     No 0.000%   4.875%   XXXX No       $0.00   $0.00 $0.00 $0.00 XXXX   N/A XXXX   $0.00 XXXX         Unknown               Unknown                       0             0 0     No No 0 No No   0 0 No       0.00%     XXXX   0           0 No     0 0       0   No           XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX                       No                                             0       0     0     0   0 0 0 0               Unknown                       XXXX                         XXXX                                                                   No   N/A .00 0.0         N/A No No No Borrower As Individual N/A N/A N/A
XXXX   4649076 XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   No   No   N/A 0   0.000%     No 0.000%   6.250%   XXXX No       $0.00   $0.00 $0.00 $0.00 XXXX   N/A XXXX   $0.00 XXXX         Unknown               Unknown                       0             0 0     No No 0 No No   0 0 No       0.00%     XXXX   0           0 No     0 0       0   No           XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX                       No                                             0       0     0     0   0 0 0 0               Unknown                       XXXX                         XXXX                                                                   No   N/A .00 0.0         N/A No No No Borrower As Individual N/A N/A N/A
XXXX   4649078 XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   No   No   N/A           No     0.000%   XXXX No       $0.00   $0.00 $0.00 $0.00 XXXX   N/A XXXX   $0.00 XXXX         Unknown Unknown             Unknown Unknown                     0             0 0     No No 0 No No   0 0 No   0 0 0.00%     XXXX   0       0   0 No 0   0 0     0 0   No           XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX                       No                                             0       0     0     0   0 0 0 0               Unknown                       XXXX                         XXXX                                                                   No No N/A .00 0.0         N/A No No No Borrower As Individual Borrower As Individual N/A N/A
XXXX   4859248 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 0 03/15/2024 6.820% Manual Underwriting Manual Underwriting No 15.028%   13.990% 13.990% XXXX No   $4,550.76 $379.23 $1,140.96 $95.08 $0.00 $0.00 $2,274.65 XXXX $7,090.50 N/A XXXX   $0.00 XXXX   43.37% 42.59% 42.59% No No             Not Employed Employed         2YR Full Doc 0 2 YRS W2 NA NA N/A 0 N/A 0 0 0 0 0 1 0 NA NA No No 0 No No N/A 0 0 No Yes 0 0 0.00%   0.00% XXXX N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0   N/A Borrower - Executed 4506T Verified || Co Borrower - Wage - 2 YRS W2 Verified, Executed 4506T Verified - 2023, 2024, 2022 Borrower - Executed 4506T Verified || Co Borrower - Executed 4506T Verified - 2023, 2024, 2022 XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX     707                 No                                       NA     0       0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   WA United States XXXX     N/A     US Citizen US Citizen N/A Standard Driver's License - Not for federal Use   WA United States XXXX     N/A                                                         Fee Simple   No No N/A .00 0.0 6311.96 1.9 No 90.87 N/A No No No Borrower As Individual Borrower As Individual N/A N/A
XXXX   4859249 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 0 03/18/2024 6.490% Manual Underwriting Manual Underwriting No 14.517%   12.950% 12.990% XXXX No   $5,505.00 $458.75 $2,180.04 $181.67 $0.00 $0.00 $1,278.76 XXXX $7,262.30 N/A XXXX   $0.00 XXXX   41.32% 41.30% 41.30% No No             Employed Employed         1YR Full Doc 1 YR W2 0 2+ Months NA N/A 0 N/A 0 1 0 1 0 1 0 Yes Yes No No 0 No No Missing 0 0 No N/A 0 0 0.00% 0.00% 0.00% XXXX N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0   N/A Borrower - Wage, SSI and Disability - 1 YR Personal Tax Returns Verified, 1 YR W2 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified, Award Letter Verified - 2023, 2024 || Co Borrower - SSI and Disability - 1 YR Personal Tax Returns Verified, Executed 4506T Verified, Award Letter Verified - 2024, 2023 Borrower - 1 YR Personal Tax Returns Verified, Executed 4506T Verified - 2023, 2024 || Co Borrower - 1 YR Personal Tax Returns Verified, Executed 4506T Verified - 2024, 2023 XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX     719                 No                                       NA     0       0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   WA United States XXXX     N/A     US Citizen US Citizen N/A Standard Driver's License - Not for federal Use   WA United States XXXX     N/A                                                         Fee Simple   No No N/A .00 0.0 2866.07 1.0 No 58.94 N/A No No No Borrower As Individual Borrower As Individual N/A N/A
XXXX   4859250 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 0 04/30/2024 7.190% Manual Underwriting Manual Underwriting No 14.419%   13.625% 13.625% XXXX No   $4,739.52 $394.96 $735.00 $61.25 $360.00 $30.00 $2,145.23 XXXX $12,784.43 N/A XXXX WA $30.00 XXXX Monthly 27.04% 27.04% 27.04% No No             Employed Employed         2YR Full Doc 2 YRS W2 2 YRS W2 2+ Months 2+ Months N/A 0 N/A 0 1 0 1 0 1 0 NA NA No No 0 No No Yes 0 0 No Yes 0 0 0.00% 0.00% 0.00% XXXX N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0   N/A Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified - 2023, 2024, 2022 || Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified - 2023, 2024, 2022 Borrower - 1 YR Personal Tax Returns Verified, Executed 4506T Verified - 2023, 2024, 2022 || Co Borrower - 1 YR Personal Tax Returns Verified, Executed 4506T Verified - 2023, 2024, 2022 XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX     727                 No                                       NA     0       0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   WA United States XXXX     N/A     US Citizen US Citizen N/A Standard Driver's License - Not for federal Use   WA United States XXXX     N/A                                                         Fee Simple   No No N/A 3810.30 0.9 4061.22 1.0 No 94.94 N/A No No No Borrower As Individual Borrower As Individual N/A N/A
XXXX   4859264 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 0 08/08/2024 6.070% Manual Underwriting Manual Underwriting No 10.714%   9.875% 9.875% XXXX No   $4,360.56 $363.38 $1,123.32 $93.61 $480.00 $40.00 $2,220.00 XXXX $5,187.68 N/A XXXX WA $40.00 XXXX Monthly 44.54% 44.53% 44.53% No No             Self-Employed Employed         1YR Full Doc 0 1 YR W2 NA Missing N/A 0 N/A 0 1 0 1 0 1 0 NA NA No No 0 No No Missing 0 0 No Missing 0 0 0.00% 100.00% 0.00% XXXX N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0   N/A Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, Executed 4506T Verified - 2024, 2023 || Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 1 YR W2 Verified, Executed 4506T Verified - 2024, 2023 Borrower - 1 YR Personal Tax Returns Verified, Executed 4506T Verified - 2024, 2023 || Co Borrower - 1 YR Personal Tax Returns Verified, Executed 4506T Verified - 2024, 2023 XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX     699                 No                                       NA     0       0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Other XXXX WA United States XXXX     N/A     US Citizen US Citizen N/A Standard Driver's License - Not for federal Use   WA United States XXXX     N/A                                                         Fee Simple   No No N/A 1119.54 0.3 1650.62 0.5 No 65.08 N/A No No No Borrower As Individual Borrower As Individual N/A N/A
XXXX   4859265 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 0 08/08/2024 6.690% Manual Underwriting Manual Underwriting No 14.903%   13.990% 13.990% XXXX No   $3,477.84 $289.82 $1,827.96 $152.33 $24.96 $2.08 $1,462.71 XXXX $6,055.47 N/A XXXX WA $2.08 XXXX Annually 34.12% 34.12% 34.12% No               Employed           1YR Full Doc 2 YRS W2 0 2+ Months NA N/A 0 N/A 0 2 0 0 0 1 0 Yes NA No No 0 No No Yes 0 0 No N/A 0 0 0.00% 0.00%   XXXX N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0   N/A Borrower - Wage, Retirement, SSI and Disability - 2 YRS Personal Tax Returns Verified, 2 YRS W2 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified, Award Letter Verified - 2024, 2023, 2022 Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified - 2024, 2023, 2022 XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX     727                 No                                       NA     0       0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   WA United States XXXX     N/A                   XXXX                                                               Fee Simple   No No N/A 1983.10 0.8 9132.89 3.8 No 84.21 N/A No No No Borrower As Individual N/A N/A N/A
XXXX   4859269 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 0 09/19/2024 6.150% Manual Underwriting Manual Underwriting No 10.516%   9.875% 9.875% XXXX No   $5,053.44 $421.12 $684.00 $57.00 $0.00 $0.00 $1,153.71 XXXX $2,712.05 N/A XXXX   $0.00 XXXX   51.48% 51.48% 51.48% No               Employed           1YR Full Doc 2 YRS W2 0 1 Month NA N/A 0 N/A 0 1 0 0 0 2 0 NA NA No No 0 No No Yes 0 0 No N/A 0 0 0.00% 0.00%   XXXX N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0   N/A Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - 2023, 2024 Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified - 2023, 2024 XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX     693                 No                                       NA     0       0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   WA United States XXXX     N/A                   XXXX                                                               Fee Simple   No No N/A 615.62 0.2 29203.75 10.2 No 64.75 N/A No No No Borrower As Individual N/A N/A N/A