Client Name:
Redwood Trust
                                                                                                                                                                                                                      
Client Project Name:
SEMT 2026-HYB1
                                                                                                                                                                                                                      
                                                                                                                                                                                                                         
Deal Loan Count:
260
                                                                                                                                                                                                                      
                                                                                                                                                                                                                         
                                                                                                                                                                                                                         
ATR QM Upload
                                                                                                                                                                                                                        
                                                                                                                                                                                                                         
Loans in Report:
260
                                                                                                                                                                                                                      
Loan Number
Seller Loan Number
Original Principal Balance
State
Loan Level ATR/QM Status
Verification Safe Harbor (VSH)?
Borrower 1 Citizenship
Borrower 2 Citizenship
Borrowers Qualified Through a Non-Resident Alien Program
Occupancy
Property Type
Number of Units
Loan Type
Exempt Loan Product Type
Exempt Loan Housing Agency
Community Housing Development
Credit Under Economic Stabilization Act Of 2008
Refinance Of Non-Standard Mortgage
Higher Priced Covered Transaction
State Prepay Exceptions
Loan Purpose
Loan Term Exceeds 30 Years
Interest Only Feature
Negative Amortization
Balloon Payment
Prepay Penalty Flag
Prepayment Penalty Type
Prohibited Prepayment Penalty
Exceeds Points And Fees
Exceeds DTI Limit
Lien Position
APR
QM Calculated DTI Adherence
QM Lenders DTI Adherence
QM Fee Adherence - Total Charges %
QM Fee Adherence - Lenders Fee %
Fannie Mae Eligible
Freddie Mac Eligible
VA Guaranty Eligible
FHA Insured Eligible
USDA Guarantee Eligible
Rural Housing Service Insured Eligible
QM - Expected Income Or Assets For DTI
QM - Current Employment Status For DTI
QM - Monthly Payment On Subject Loan For DTI
QM - Monthly Payment On Additional Loan For DTI
QM - Monthly Payment Mortgage Related Obligations
QM - Current Debt Obligations Alimony and Child Support for DTI
QM - Monthly DTI Ratio Or Residual Income
One or more Verification Safe Harbor Guidelines used?
Current/Reasonably Expected Income or Assets per Guideline used?
Current Debt Obligations, Alimony & Child Support per Guideline used?
Monthly DTI (includes monthly payment on subject loan and simultaneous loans)
Monthly Residual Income per guideline used?
Compensating Factors used for QM determination documented before closing?
ATR - Guidelines Provided to Document Approach
ATR - Current And Expected Income And Assets
ATR - Current Employment Status
ATR - Mortgage Payment Obligation
ATR - Mortgage Payment on Simultaneous Transaction
ATR - Payment For Mortgage Related Obligations
ATR - Debt Obligations Including Alimony and Child Support
ATR - Monthly DTI Ratio or Residual Income
ATR - Consumer Credit History
ATR Lenders - DTI (Back)
ATR Calculated DTI (Back)
QM Lender Value DTI (Back)
QM Calculated DTI (Back)
Initial DTI (Back)
DTI Qualifying (Back)
Residual Income Analysis in File
Residual Income Guidelines
Did Loan Meet Guidelines
Residual Income Amount
Asset Depletion
Asset Depletion Months Amortized
Asset Utilization
Partial Asset Depletion
Short Sale
Short Sale Date
Deed In Lieu
Deed In Lieu Date
Loan Status
QRM Flag
Borrower 2 Guarantor Flag
Borrower 2 Personal Guaranty Recourse to Borrower
Borrower 3 Guarantor Flag
Borrower 3 Personal Guaranty Recourse to Borrower
Borrower 4 Guarantor Flag
Borrower 4 Personal Guaranty Recourse to Borrower
Borrower 1 Income Doc Type Summary
Borrower 2 Income Doc Type Summary
Borrower 3 Income Doc Type Summary
Borrower 4 Income Doc Type Summary
Borrower 1 Written VOE Form
Borrower 2 Written VOE Form
Borrower 3 Written VOE Form
Borrower 4 Written VOE Form
Borrower 1 P&L Prepared By
Borrower 2 P&L Prepared By
Borrower 3 P&L Prepared By
Borrower 4 P&L Prepared By
Cross Collateralized Loan?
Is the Loan a Short-Term Rental?
DSCR Method Used
Borrower 1 Documentation Used to Determine Legal Residency
Borrower 2 Documentation Used to Determine Legal Residency
Borrower 3 Documentation Used to Determine Legal Residency
Borrower 4 Documentation Used to Determine Legal Residency
409022016
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Construction/Perm
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
7.3080
No
Yes
0.944
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.93
45.77
42.93
45.77
45.77
45.77
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
No
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 36 months;
Written VOE - 27 months
1099 - 36 months;
IRS Transcripts – Tax Return(s) - 0 months;
Personal Tax Return - 24 months;
Written VOE - 13 months
Paystub - 1 months;
W2 - 36 months
(No Data)
Independent Third Party (The Work Number, Equifax etc)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409022020
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
Yes
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Construction/Perm
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.0288
Yes
Yes
0.6
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.73
42.03
42.73
42.03
42.03
38.48
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 30 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409022021
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Construction/Perm
No
No
No
No
No
(No Data)
(No Data)
No
No
1
7.4184
Yes
Yes
1.883
1.955
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
40.92
37.14
40.92
37.14
37.14
38.88
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Award Letter - 1 months
Award Letter - 1 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409022029
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Construction/Perm
No
No
No
No
No
(No Data)
(No Data)
No
No
1
5.6313
Yes
Yes
0.898
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
40.65
41.27
40.65
41.27
41.27
39.98
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 10 months;
Personal Tax Return - 24 months;
W2 - 24 months
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 32 months
(No Data)
(No Data)
(No Data)
FMNA 1005
(No Data)
(No Data)
Borrower
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409022040
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Construction/Perm
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3047
Yes
Yes
0.444
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
33.75
33.54
33.75
33.54
33.54
33.54
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409022041
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Construction/Perm
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.9416
Yes
Yes
0.951
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
19.48
19.91
19.48
19.55
19.55
19.55
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409022053
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Construction/Perm
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.0413
Yes
No
1.463
Missing
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
43.33
40.81
43.33
40.81
40.81
40.81
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 31 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 31 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409022288
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
(No Data)
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
Not Applicable
6.4054
Yes
Yes
0.135
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
30.24
30.15
30.24
27.66
27.66
30.15
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
CPA Letter - 60 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 9 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Borrower
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409023727
XXXXX
XXXXX
XXXXX
QM: Rebuttable Presumption (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.7889
No
No
0.28
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
44.75
40.88
44.75
45.61
40.88
46.18
No
Yes
Yes
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409024237
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.6442
Yes
Yes
0.596
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
38.69
39.46
38.69
38.26
38.26
39.46
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 34 months;
W2 - 24 months;
Written VOE - 32 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409024436
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.4582
Yes
Yes
0.142
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
32.6
32.45
32.6
30.61
30.61
32.61
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 12 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
CPA
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409024602
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
Permanent Resident Alien
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
7.2231
Yes
Yes
0.829
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.62
42.59
42.62
42.59
42.59
42.59
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L Only - 6 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 12 months
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Borrower
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
Green Card
(No Data)
(No Data)
409025430
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
Permanent Resident Alien
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.5116
Yes
Yes
0.212
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.94
42.56
42.94
40.94
40.93
42.56
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
Green Card
(No Data)
(No Data)
409025472
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.5256
Yes
No
0.622
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
44.73
44.16
44.73
42
42
44.16
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409025997
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.4294
Yes
Yes
0.962
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
36.72
36.55
36.72
34.31
34.31
36.55
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 29 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409026012
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.4755
Yes
No
1.157
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
44.96
44.74
44.96
42.87
42.87
44.74
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 9 months;
Personal Tax Return - 24 months
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 9 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Borrower
Borrower
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409026066
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
Exempt
1
6.2912
Yes
No
0.226
Not Applicable
No
Yes
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
44.98
44.8
44.98
40.63
40.63
44.8
Yes
Yes
Yes
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
IRS Transcripts – W2(s) - 24 months;
Paystub - 2 months;
Personal Tax Return - 12 months;
W2 - 24 months;
Written VOE - 30 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409026125
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3308
Yes
Yes
1.021
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
29.14
31.35
29.14
29
29
31.35
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 30 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409026162
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3750
Yes
Yes
0.106
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
41.71
41.39
41.71
38.76
38.76
41.39
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Personal Bank Statements - 2 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409026178
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.4036
Yes
No
0.38
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
44.57
44.35
44.57
41.63
41.63
41.63
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 24 months;
Offer Letter - 1 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 11 months
(No Data)
(No Data)
(No Data)
FMNA 1005
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409026188
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3751
Yes
Yes
0.103
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
36.62
36.37
36.62
34.19
34.19
36.37
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409026193
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3703
Yes
Yes
0.123
Not Applicable
No
Yes
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
34
37.86
34
34.69
34.69
37.86
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 33 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409026202
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2040
Yes
Yes
0.084
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
38.66
38.46
38.66
36.33
36.33
38.46
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
FMNA 1005
FMNA 1005
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409026260
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2349
Yes
Yes
0.133
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
24.63
26.7
24.63
24.63
24.63
26.7
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Written VOE - 33 months
Paystub - 1 months;
W2 - 12 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409026332
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1520
Yes
Yes
0.054
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
38.56
37.66
38.56
34.61
34.61
38.11
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 22 months
(No Data)
(No Data)
(No Data)
FMNA 1005
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409026337
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3826
Yes
Yes
0.179
0.191
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
Yes
Yes
Yes
Not Applicable
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
33.08
31.96
33.08
30.35
30.35
31.96
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409026356
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3436
Yes
Yes
0.144
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
39.55
39.4
39.55
37.25
37.25
39.4
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 33 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 33 months
(No Data)
(No Data)
FMNA 1005
FMNA 1005
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409026906
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2817
Yes
Yes
0.192
0.192
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
25.83
25.28
25.83
22.77
22.77
25.28
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 2 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
FMNA 1005
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409026997
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.9126
Yes
Yes
0.196
0.196
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
30.44
32.74
30.44
32.26
32.26
32.26
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 2 months;
W2 - 24 months;
Written VOE - 7 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409027029
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Non-Permanent Resident Alien
Non-Permanent Resident Alien
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.8187
Yes
Yes
0.171
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.56
42.76
42.56
40.94
40.94
42.76
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – W2(s) - 24 months;
Paystub - 5 months;
W2 - 24 months;
Written VOE - 32 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
Other
Other
(No Data)
(No Data)
409027058
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.4580
Yes
Yes
0.317
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
25.8
25.35
25.8
23.55
23.55
25.35
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Award Letter - 1 months;
Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 12 months;
P & L - 9 months;
Personal Tax Return - 12 months;
W2 - 12 months
Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 12 months;
P & L - 9 months;
Personal Tax Return - 12 months;
W2 - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Borrower
Borrower
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409028839
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3513
Yes
Yes
0.107
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
41.41
41.12
41.41
38.6
38.6
41.41
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 12 months;
Personal Tax Return - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409028841
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.3638
Yes
No
0
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
44.68
44.58
44.68
41.54
41.54
44.69
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Written VOE - 34 months
Written VOE - 1 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409028957
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
Non-Permanent Resident Alien
(No Data)
Primary
Attached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3238
Yes
Yes
0.648
0.170
No
Yes
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
24
24.13
24
22.43
22.43
24.13
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Written VOE - 1 months
Written VOE - 24 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
Green Card
(No Data)
(No Data)
409029084
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.5228
Yes
Yes
0.252
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
40.1
39.69
40.1
37.79
37.79
39.69
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months;
Written VOE - 24 months
IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409029142
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.5032
Yes
Yes
0.164
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
36.58
40.8
36.58
38.39
38.39
40.8
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Lease Agreement - 12 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 34 months
IRS Transcripts – Tax Return(s) - 24 months;
Offer Letter - 1 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409029166
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.5254
Yes
Yes
0.215
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
40.83
40.91
40.83
39.3
39.3
40.91
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 12 months;
Written VOE - 26 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409029234
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Low Rise Condo (1-4)
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.0761
Yes
Yes
0.15
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
41.76
41.34
41.76
38.48
38.48
41.34
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 10 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409029266
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3056
Yes
Yes
2.14
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
39.71
39.71
39.71
35.63
35.63
39.71
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 34 months;
W2 - 24 months;
Written VOE - 33 months
(No Data)
(No Data)
(No Data)
FMNA 1005
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409030231
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Low Rise Condo (1-4)
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2867
Yes
Yes
0.108
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
37.96
38.75
37.96
35.91
35.91
39.04
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 34 months;
Personal Tax Return - 12 months;
W2 - 12 months;
Written VOE - 34 months
(No Data)
(No Data)
(No Data)
FMNA 1005
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409030548
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.6960
Yes
Yes
0
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
32.84
32.85
32.84
32.08
32.08
32.85
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409030636
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.4465
Yes
Yes
0.176
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.16
44.26
42.16
42.06
42.06
44.26
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 10 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Borrower
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409030649
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3036
Yes
Yes
0
Not Applicable
No
Yes
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
41
38.92
41
37.43
37.43
38.92
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 20 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409030999
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2599
Yes
Yes
0.102
0.102
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
Yes
Yes
Yes
Not Applicable
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
27.51
28.93
27.51
28.69
28.69
28.69
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 10 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Borrower
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031001
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.3617
No
No
1.537
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
49.72
49.73
49.72
49.73
49.73
50
No
Yes
Yes
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031002
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2813
Yes
Yes
0.242
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
31.69
32.62
31.69
32.62
32.62
33.21
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 31 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031003
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Second Home
Low Rise Condo (1-4)
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.6620
Yes
Yes
0.179
0.018
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
40.97
40.97
40.97
40.97
40.97
40.97
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 24 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031004
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
Mid Rise Condo  (5-8)
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.5547
Yes
Yes
1.398
1.398
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
Yes
Yes
Yes
No
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
30.11
29.87
30.11
29.87
29.87
29.87
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 24 months;
P & L - 9 months;
Personal Tax Return - 24 months;
W2 - 24 months
Personal Tax Return - 24 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Borrower
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031005
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
Low Rise Condo (1-4)
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.4910
Yes
Yes
0.348
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
27.35
27.7
27.35
27.7
27.7
27.7
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months
W2 - 24 months;
Written VOE - 32 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031006
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.3053
No
No
0.198
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
46.47
44.41
46.47
44.41
44.41
44.75
Yes
Yes
Yes
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 36 months;
P & L Only - 20 months;
Personal Tax Return - 24 months
P & L Only - 20 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
CPA
Borrower
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031007
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1923
Yes
Yes
0.089
0.089
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
34.83
38.48
34.84
37.55
37.55
38.48
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 36 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031009
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2561
Yes
Yes
0.122
0.065
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
32.24
32.93
32.24
32.39
32.39
32.93
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
P & L - 12 months;
Personal Tax Return - 24 months;
Written VOE - 24 months
Business Tax Return - 12 months;
P & L - 12 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
Borrower
Borrower
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031010
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2892
Yes
Yes
0.156
0.156
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
25.47
24.81
25.47
27.81
24.34
24.81
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 24 months;
Paystub - 25 months;
Written VOE - 32 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031011
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3756
Yes
Yes
0.488
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
25.99
26.68
25.99
26.68
26.68
26.74
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031012
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2040
Yes
Yes
0.174
0.174
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
Yes
Yes
Yes
Not Applicable
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
39.57
35.18
39.57
38.44
33.94
35.18
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 2 months;
W2 - 24 months;
Written VOE - 29 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031013
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2489
Yes
Yes
0.547
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
10.64
10.69
10.64
10.59
10.59
10.69
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Personal Tax Return - 24 months
1099 - 24 months;
Personal Tax Return - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031014
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Second Home
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2096
Yes
Yes
0.177
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
36.14
32.19
36.14
32.19
32.19
32.78
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 24 months;
P & L - 8 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Borrower
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031015
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Low Rise Condo (1-4)
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.5671
No
No
0.472
0.472
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
48.58
47.78
48.58
47.78
47.78
47.78
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031016
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2681
Yes
Yes
0.143
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
39.6
31.57
39.6
31.28
31.28
31.57
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 24 months;
Personal Tax Return - 24 months;
W2 - 12 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031017
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
High Rise Condo (9+)
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3088
Yes
Yes
0.176
0.176
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
Yes
Yes
Yes
Not Applicable
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
25.32
29.22
25.32
28.44
28.44
29.22
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Award Letter - 36 months;
Business Tax Return - 36 months
Business Tax Return - 36 months;
Paystub - 1 months;
Personal Tax Return - 36 months;
W2 - 36 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031018
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Permanent Resident Alien
Permanent Resident Alien
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.1623
No
No
0
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
44.2
38.66
44.2
43.15
36.96
38.66
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 2 months;
W2 - 24 months;
Written VOE - 33 months
Paystub - 5 months;
W2 - 24 months
(No Data)
(No Data)
FMNA 1005
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
Green Card
Green Card
(No Data)
(No Data)
409031019
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.1041
No
No
0.144
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
43.88
45.03
43.88
43.88
43.88
45.03
No
Yes
Yes
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 8 months
(No Data)
(No Data)
(No Data)
FMNA 1005
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031020
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.1907
Yes
No
0.053
0.053
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
47.2
42.65
47.2
41.43
41.43
42.65
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 2 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031041
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.2619
Yes
No
0.868
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
43.8
42.45
43.8
42.45
42.45
43.96
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – Tax Return(s) - 36 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 34 months
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 36 months;
P & L - 9 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
FMNA 1005
(No Data)
(No Data)
(No Data)
(No Data)
Borrower
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031058
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.5959
Yes
Yes
1.246
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
32.06
34.72
32.06
33.04
33.04
34.72
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031159
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.4151
Yes
Yes
0.202
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
41.29
42.69
41.29
41.03
41.03
41.03
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
Paystub - 1 months;
Written VOE - 24 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031178
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3135
Yes
Yes
0.141
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
32.17
30.57
32.17
28.45
28.45
30.57
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031222
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.8659
Yes
Yes
0.151
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
41.19
41.12
41.19
41.12
41.12
41.12
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 12 months;
Written VOE - 20 months
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 13 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031288
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.6024
Yes
Yes
0.097
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.82
44.24
42.82
42.82
42.82
44.24
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031448
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.5183
Yes
Yes
0.135
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
25.92
25.92
25.92
25.92
25.92
26.13
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031466
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.5374
Yes
No
0.423
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
43.42
42.65
43.32
41.05
41.05
42.65
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 34 months
IRS Transcripts – Tax Return(s) - 24 months;
IRS Transcripts – W2(s) - 24 months;
Paystub - 33 months;
Personal Tax Return - 12 months;
W2 - 24 months;
Written VOE - 34 months
(No Data)
(No Data)
FMNA 1005
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031491
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3790
Yes
Yes
0.11
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
36.14
37.53
36.14
35.79
35.79
37.53
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 33 months;
Personal Tax Return - 24 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 36 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031621
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3110
Yes
Yes
0.069
0.069
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
32.21
35.29
32.21
32.59
32.59
32.59
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031659
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.4967
Yes
Yes
1.419
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
41.95
41.67
41.95
40.02
40.02
41.95
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 35 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031708
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3318
Yes
Yes
0.148
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
24.16
25.89
24.16
24.16
24.16
25.89
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031725
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.0361
Yes
Yes
0.508
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
21.56
21.8
21.56
21.56
21.56
21.8
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 12 months;
Written VOE - 2 months
Award Letter - 12 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031726
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.0840
Yes
Yes
0.287
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.89
44.5
42.89
42.93
42.93
44.5
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 33 months
(No Data)
(No Data)
(No Data)
FMNA 1005
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031727
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.4965
Yes
Yes
0.308
0.315
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
29.33
29.68
29.33
31.21
28.6
28.6
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031729
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.4034
Yes
Yes
0.215
0.321
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
27.09
27.76
27.09
26.48
26.48
27.76
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031730
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3387
Yes
Yes
0.285
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
33.74
35.39
33.74
34.47
34.47
35.39
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 34 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031731
XXXXX
XXXXX
XXXXX
QM: Rebuttable Presumption (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Second Home
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2191
Yes
Yes
0.362
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
28.62
27.83
28.62
27.83
27.83
27.83
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031732
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.5040
Yes
Yes
0.359
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
27.23
28.9
27.23
31.31
27.21
31.84
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
FMNA 1005
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031734
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Attached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.4318
Yes
Yes
0.427
0.427
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
30.07
30.43
30.07
29.18
29.18
30.43
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 33 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 33 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031735
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.5617
No
Yes
0.208
0.212
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
40.18
42.83
40.18
44.97
40.83
45.51
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 35 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 35 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031737
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Attached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2203
Yes
Yes
0.803
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
39.64
39.64
39.64
39.64
39.64
39.64
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
1099 - 12 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 33 months
(No Data)
(No Data)
(No Data)
FMNA 1005
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031740
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.5346
Yes
Yes
0.225
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
24.14
23.61
24.14
23.61
23.61
23.91
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
W2 - 24 months
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031741
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.1778
No
Yes
0.452
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
41.87
42.56
41.87
45.84
40.85
42.56
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months;
Written VOE - 10 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031742
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Low Rise Condo (1-4)
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1944
Yes
Yes
1.048
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
15.97
16.46
15.97
15.97
15.97
16.46
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031743
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Non-Permanent Resident Alien
(No Data)
(No Data)
Second Home
Attached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3674
Yes
Yes
0.493
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
34.75
34.75
34.75
34.75
34.75
34.91
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
Work Visa
(No Data)
(No Data)
(No Data)
409031744
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
Yes
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
5.8347
Yes
Yes
0.237
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Yes
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
33.21
31.15
33.21
30.8
30.8
31.15
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 32 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031745
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Permanent Resident Alien
(No Data)
(No Data)
Primary
Attached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1134
Yes
Yes
0.376
0.000
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
41.25
42.94
41.25
41.25
41.25
41.25
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
FMNA 1005
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
Green Card
(No Data)
(No Data)
(No Data)
409031746
XXXXX
XXXXX
XXXXX
QM: Rebuttable Presumption (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2312
Yes
Yes
0.426
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
36.26
37.17
36.26
39.32
36.36
36.36
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 33 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 33 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031748
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Attached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2984
Yes
Yes
0.436
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
26.72
27.25
26.72
26.72
26.72
26.72
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 34 months
(No Data)
(No Data)
(No Data)
FMNA 1005
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031750
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.4325
Yes
Yes
0.285
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
21.57
21.57
21.57
21.57
21.57
22.58
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 3 months;
W2 - 24 months
Paystub - 3 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031751
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2852
Yes
Yes
0.508
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
18.3
18.84
18.3
18.49
18.49
18.84
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 3 months;
W2 - 24 months;
Written VOE - 12 months
Paystub - 3 months;
W2 - 24 months;
Written VOE - 32 months
(No Data)
(No Data)
Other
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031752
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.4553
No
Yes
0.243
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.04
43.43
42.04
44.67
41.36
45.11
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 12 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Borrower
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031753
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Attached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.1799
No
Yes
0.282
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
40.12
41.49
40.12
44.98
39.66
39.66
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031755
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Low Rise Condo (1-4)
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3727
Yes
Yes
0.313
0.000
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
25.51
29.36
25.51
28.81
28.81
29.36
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 9 months;
Paystub - 3 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Borrower
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031756
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3721
Yes
Yes
0.35
0.000
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
11.5
11.5
11.5
11.5
11.5
11.5
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 24 months;
CPA Letter - 12 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 10 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Borrower
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031757
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.4038
Yes
Yes
0.185
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
39.14
40.42
39.14
39.09
39.09
40.42
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031759
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3307
Yes
Yes
0.324
0.000
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
22.38
21.94
22.38
21.45
21.45
21.45
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
FMNA 1005
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031760
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.4285
Yes
Yes
0.431
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
40.35
43.41
40.35
41.18
41.18
41.18
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
1099 - 12 months;
IRS Transcripts – Tax Return(s) - 12 months;
Offer Letter - 12 months;
Personal Tax Return - 24 months;
W2 - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031761
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3640
Yes
Yes
0.228
0.228
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
18.61
18.34
18.61
18.03
18.03
18.34
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031762
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.4942
Yes
Yes
0.372
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
33.87
35.32
33.87
37.8
33.58
33.58
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 11 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Borrower
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031763
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.4104
No
No
0.26
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
44.08
46.07
44.08
44.08
44.08
44.08
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031764
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Attached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3741
Yes
Yes
0.341
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
36.16
37.86
36.16
36.01
36.01
36.01
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031765
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.4001
Yes
Yes
0.858
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
41.14
40.53
41.14
40.53
40.53
40.53
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031766
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.5026
Yes
Yes
0.294
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
29.51
30.03
29.51
30.03
30.03
30.03
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Award Letter - 1 months;
Offer Letter - 12 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031767
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.5880
No
No
0.388
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
45.45
47.48
45.45
50.07
45.05
45.05
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
1099 - 12 months;
Business Tax Return - 12 months;
P & L - 12 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Borrower
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031768
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.5348
Yes
Yes
0.649
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
33.22
33.6
33.22
33.6
33.6
33.6
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 12 months;
Personal Tax Return - 24 months
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 12 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Borrower
Borrower
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031769
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.4592
Yes
Yes
0.456
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
38.59
39.72
38.59
38.58
38.58
39.72
No
No
(No Data)
XXXXX
Yes
120
Yes
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Personal Bank Statements - 2 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031770
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.3927
No
No
0.11
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
44.97
47.74
44.97
44.97
44.97
47.74
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031771
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Second Home
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.5131
Yes
Yes
0.303
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.82
42.82
42.82
42.82
42.82
43.6
No
No
(No Data)
XXXXX
Yes
120
Yes
Yes
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 12 months;
Personal Bank Statements - 2 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Borrower
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031772
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.5308
No
No
0.431
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
44.95
44.95
44.95
44.95
44.95
44.95
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 12 months;
Personal Tax Return - 24 months
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
Borrower
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031773
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Low Rise Condo (1-4)
1
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.4735
No
No
0.094
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
43.62
45.97
43.62
43.94
43.94
43.94
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
1099 - 24 months;
Award Letter - 1 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 12 months;
Personal Tax Return - 24 months
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
Borrower
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031774
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.6706
Yes
Yes
0.104
0.106
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.02
42.83
42.02
42.83
42.83
42.83
No
No
(No Data)
XXXXX
Yes
360
Yes
Yes
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 14 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 26 months
1099 - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
Written VOE - 26 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
Borrower
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031777
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.5249
No
Yes
0.423
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
33.43
44.8
33.43
44.8
44.8
46.82
No
Yes
Yes
XXXXX
Yes
360
No
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Award Letter - 1 months
Award Letter - 1 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031779
XXXXX
XXXXX
XXXXX
QM: Rebuttable Presumption (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Attached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.9409
Yes
Yes
0.467
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
19.04
19.04
19.04
21.76
19.04
22.09
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031792
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.7709
No
Yes
0.169
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.89
44.29
42.89
44.29
44.29
44.29
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 4 months;
W2 - 24 months;
Written VOE - 26 months
(No Data)
(No Data)
(No Data)
FMNA 1005
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031803
XXXXX
XXXXX
XXXXX
QM: Rebuttable Presumption (APOR)
(No Data)
U.S. Citizen
(No Data)
(No Data)
Primary
SFR-Attached
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
7.6936
No
Yes
0.55
0.000
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
Documented
Documented
Documented
Not Applicable
Documented
Documented
Documented
Documented
42.55
42.55
42.55
46.62
42.55
42.55
No
No
(No Data)
XXXXX
Yes
360
Yes
Yes
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Personal Bank Statements - 2 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409031835
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Second Home
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2569
Yes
Yes
0.09
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
43
37.36
43
37.36
37.36
39.62
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 34 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409032147
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3718
Yes
Yes
0.694
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
26.06
26.06
26.06
24.68
24.68
26.06
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – W2(s) - 12 months;
Paystub - 1 months;
W2 - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409032168
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Non-Permanent Resident Alien
Non-Permanent Resident Alien
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3212
Yes
Yes
0.15
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
29.42
29.44
29.42
27.48
27.48
29.41
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
Work Visa
Employment Authorization Document
(No Data)
(No Data)
409032545
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.4375
No
No
0.996
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
44.68
44.57
44.68
43.02
43.02
44.57
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 12 months;
Written VOE - 24 months
Award Letter - 1 months;
Paystub - 1 months;
W2 - 12 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409032548
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2902
Yes
Yes
0.136
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
40.57
40.29
40.57
38.22
38.22
40.29
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409032588
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.4535
Yes
Yes
0.252
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
35.08
35.09
35.08
33.4
33.4
35.09
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 25 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409032599
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3738
Yes
Yes
0.142
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
37.68
20.85
37.68
21.45
20.1
21.63
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 8 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Borrower
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409032619
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Low Rise Condo (1-4)
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.4102
Yes
Yes
0.111
0.059
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
26.77
26.44
26.77
25.96
25.96
26.44
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 31 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409032827
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Permanent Resident Alien
Permanent Resident Alien
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3289
Yes
Yes
0.141
0.141
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
34.01
33.6
34.01
31.43
31.43
35.87
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 12 months
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
(No Data)
Green Card
Green Card
(No Data)
(No Data)
409032911
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.9348
Yes
Yes
0.623
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
26.87
26.69
26.87
26.37
26.37
26.69
Yes
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
CPA Letter without Income - 1 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 25 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409032936
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Non-Permanent Resident Alien
(No Data)
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3945
Yes
Yes
0.122
0.122
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.9
42.13
42.9
39.9
39.9
42.13
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 33 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
Other
(No Data)
(No Data)
(No Data)
409032947
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1906
Yes
Yes
0.28
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
27.1
26.72
27.1
25.7
25.7
26.72
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409032987
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Second Home
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1395
Yes
Yes
0.03
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
4.36
4.64
4.36
4.64
4.64
4.64
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033256
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Non-Permanent Resident Alien
(No Data)
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3687
Yes
Yes
0
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
38.71
38.86
38.71
38.06
38.06
38.86
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
Work Visa
(No Data)
(No Data)
(No Data)
409033267
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3142
Yes
Yes
0.114
0.114
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
41.71
39.21
41.71
36.66
36.66
39.21
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033271
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2027
Yes
Yes
0.174
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
34.45
31.34
34.45
30.03
30.03
31.34
No
No
(No Data)
XXXXX
Yes
360
Yes
Yes
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Personal Bank Statements - 2 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033274
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2513
Yes
Yes
0.078
0.078
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
32.71
25.85
32.71
24.41
24.41
25.85
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 12 months
Business Tax Return - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 12 months
(No Data)
(No Data)
FMNA 1005
FMNA 1005
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033278
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2642
Yes
Yes
0.134
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.59
43.85
42.59
42.02
42.02
43.85
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Personal Bank Statements - 2 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033290
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3461
Yes
Yes
0.919
Missing
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
37.07
36.67
37.07
34.31
34.31
36.67
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 35 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033304
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1902
Yes
Yes
0.096
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
36.67
36.32
36.67
33.95
33.95
36.32
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Offer Letter - 12 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 7 months
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 11 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033305
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2981
Yes
Yes
0.289
Not Applicable
No
Yes
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
41.57
38.57
41.57
41.03
36.83
41.6
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Written VOE - 35 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033307
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Non-Permanent Resident Alien
(No Data)
(No Data)
Primary
Attached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3185
Yes
Yes
0.138
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
31.75
31.75
31.75
29.96
29.96
31.75
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
Work Visa
(No Data)
(No Data)
(No Data)
409033308
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3052
Yes
Yes
0.024
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
29.31
29.88
29.31
28.96
28.96
29.88
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 9 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Borrower
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033309
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.4597
Yes
Yes
0.192
Not Applicable
No
Yes
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
26.96
27.57
26.96
26.96
26.96
26.96
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Written VOE - 24 months
Personal Bank Statements - 2 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033328
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
High Rise Condo (9+)
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.4029
Yes
Yes
0.828
Missing
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
33.29
34.19
33.29
33.14
33.14
34.19
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033343
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3190
Yes
Yes
0.212
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
19
19.86
19
19
19
19.86
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033358
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.1878
Yes
No
0.071
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
44.58
42.35
44.58
42.35
42.35
44.13
No
Yes
Yes
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
IRS Transcripts – W2(s) - 24 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033372
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2767
Yes
Yes
0.294
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
37.01
36.46
31.01
35.52
35.52
36.46
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 24 months;
P & L - 12 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months
Business Tax Return - 12 months;
P & L - 12 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Borrower
Borrower
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033401
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2583
Yes
Yes
0.157
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
33.36
33.68
33.36
31.23
31.23
31.23
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Written VOE - 24 months
Written VOE - 24 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033436
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3238
Yes
Yes
0.215
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
38.02
35.41
38.02
34.35
34.35
35.41
No
No
(No Data)
XXXXX
Yes
360
No
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
Personal Bank Statements - 2 months;
Written VOE - 30 months
(No Data)
(No Data)
(No Data)
FMNA 1005
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033446
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3931
Yes
Yes
0.309
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.38
42.07
42.38
40.56
40.56
42.07
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 35 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033451
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3599
Yes
Yes
0.155
0.155
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
26.66
24.89
26.66
23.7
23.7
24.89
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033459
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.5067
Yes
Yes
0.067
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
34.26
33.95
34.26
33.95
33.95
34.52
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 12 months;
Paystub - 2 months;
Personal Tax Return - 12 months;
W2 - 24 months
Business Tax Return - 12 months;
Paystub - 2 months;
Personal Tax Return - 12 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033489
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.7519
Yes
Yes
0.144
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.16
43.09
42.16
41.45
41.45
43.09
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033500
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2392
Yes
Yes
1.151
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
38.97
36.89
38.97
36.89
36.89
38.97
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033509
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3387
Yes
Yes
0.119
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
33.33
19.38
33.33
18.42
18.42
19.38
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033520
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2597
Yes
Yes
0.124
0.124
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
41.23
40.44
41.23
39.37
39.37
40.44
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
FMNA 1005
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033768
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3909
Yes
Yes
0.171
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
38.38
38.14
38.38
35.21
35.21
38.14
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months;
Written VOE - 34 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033779
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.4100
Yes
Yes
0.149
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.59
42.3
42.59
40.96
40.96
42.3
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033817
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.5540
Yes
Yes
1.558
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
29.18
31.2
29.18
27.4
27.4
31.2
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Written VOE - 27 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033818
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
High Rise Condo (9+)
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.8162
Yes
Yes
1.779
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
17.76
18.75
17.76
17.75
17.75
18.75
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
FMNA 1005
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033819
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.5472
Yes
Yes
0.063
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
39.56
36.89
39.56
34.44
34.44
36.89
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 27 months
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 3 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
Borrower
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033820
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.8556
Yes
Yes
0.31
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
29.12
29.15
29.12
28.13
28.13
29.15
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 36 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
FMNA 1005
FMNA 1005
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033821
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Second Home
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.6784
Yes
Yes
0.194
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
41.66
41.42
41.66
41.42
41.42
43.77
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033822
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.8234
Yes
Yes
0.155
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
40.61
41.2
40.61
40.62
40.62
41.2
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Personal Bank Statements - 5 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033823
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.6256
Yes
Yes
0.215
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
35.24
37.53
35.24
35.24
35.24
37.53
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 29 months
(No Data)
(No Data)
(No Data)
FMNA 1005
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033824
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.6965
Yes
Yes
0.241
Missing
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
39.91
40.52
39.91
38.58
38.58
40.52
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 3 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 20 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033825
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.7001
Yes
Yes
0.244
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
38.82
40.59
38.82
38.82
38.82
40.59
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 12 months;
Written VOE - 20 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033826
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Low Rise Condo (1-4)
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.8750
Yes
Yes
2.354
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
39.09
39.89
39.09
39.36
39.36
39.89
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
No
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – Tax Return(s) - 0 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 0 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033827
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.5142
Yes
Yes
0.308
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
35.79
39.09
35.79
35.78
35.78
39.09
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033828
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
High Rise Condo (9+)
1
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.7914
Yes
Yes
0.659
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.44
43.95
42.44
42.01
42.01
43.95
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033829
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Permanent Resident Alien
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.7921
Yes
Yes
0.269
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
37.21
38.25
37.21
37.21
37.21
38.25
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 16 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
Green Card
(No Data)
(No Data)
(No Data)
409033831
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.6605
Yes
Yes
0.433
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
28.67
31.69
28.67
28.18
28.18
31.69
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 6 months
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033832
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.7629
Yes
Yes
0.246
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
33.71
35.24
33.71
33.71
33.71
33.71
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 28 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033834
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.8323
Yes
Yes
0.24
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
35.08
35.8
35.08
35.08
35.08
35.8
No
No
(No Data)
XXXXX
Yes
360
Yes
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Award Letter - 1 months;
Personal Bank Statements - 3 months
Paystub - 2 months;
W2 - 24 months;
Written VOE - 29 months
(No Data)
(No Data)
(No Data)
FMNA 1005
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033835
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.7502
Yes
Yes
0.308
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.72
44.6
42.72
42.72
42.72
44.6
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 29 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 29 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
FMNA 1005
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033836
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.5665
Yes
Yes
0.271
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
27.16
29.83
27.16
27.1
27.1
29.83
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 32 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 32 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033837
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.8895
Yes
Yes
1.858
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
33.01
33.87
33.01
30.67
30.67
33.87
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 30 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 30 months
(No Data)
(No Data)
FMNA 1005
FMNA 1005
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033839
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.7941
Yes
Yes
1.377
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
41.28
40.9
41.28
37.38
37.38
41.75
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 12 months;
Written VOE - 28 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033840
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Non-Permanent Resident Alien
Non-Permanent Resident Alien
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.8349
Yes
Yes
1.226
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
31.71
34.36
31.71
31.71
31.71
34.36
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 28 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 28 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
Other
Other
(No Data)
(No Data)
409033841
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.8298
Yes
Yes
1.247
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
40.64
40.46
40.64
35.84
35.84
40.46
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 28 months
IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 28 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033842
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Non-Permanent Resident Alien
Non-Permanent Resident Alien
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.6985
Yes
Yes
0.457
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
28.06
28.36
28.06
25.62
25.62
28.36
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
W2 - 24 months;
Written VOE - 24 months
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
Work Visa
Employment Authorization Document
(No Data)
(No Data)
409033843
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Permanent Resident Alien
Permanent Resident Alien
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.8375
Yes
Yes
1.332
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
34.81
34.83
34.81
30.23
30.23
30.23
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months;
Written VOE - 24 months
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
Green Card
Green Card
(No Data)
(No Data)
409033844
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.8375
Yes
Yes
2.09
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
27.88
29.93
27.87
27.87
27.87
27.87
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033845
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.8575
Yes
Yes
1.574
1.574
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
38.19
36.7
38.19
33.07
33.07
36.7
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 2 months;
W2 - 24 months;
Written VOE - 29 months
(No Data)
(No Data)
(No Data)
FMNA 1005
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033846
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.8145
Yes
Yes
1.629
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
35.58
37.94
35.58
35.57
35.57
35.57
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 12 months;
Written VOE - 5 months
Paystub - 1 months;
Written VOE - 24 months
(No Data)
(No Data)
FMNA 1005
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033847
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.7576
Yes
Yes
0.545
0.680
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
41.74
46.44
41.74
41.46
41.46
46.44
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 12 months;
Written VOE - 12 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033848
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Non-Permanent Resident Alien
(No Data)
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.7705
Yes
Yes
0.711
1.434
No
Yes
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
36
39.55
36
36.17
36.17
39.55
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
Work Visa
(No Data)
(No Data)
(No Data)
409033850
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.8859
Yes
Yes
2.318
2.318
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
39.89
44.7
39.89
39.88
39.88
44.7
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 2 months;
W2 - 24 months;
Written VOE - 28 months
Paystub - 2 months;
W2 - 24 months;
Written VOE - 28 months
(No Data)
(No Data)
FMNA 1005
FMNA 1005
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033851
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.7837
Yes
Yes
1.216
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.99
48.49
42.99
42.99
42.99
48.49
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Offer Letter - 12 months;
Paystub - 1 months;
Written VOE - 27 months
(No Data)
(No Data)
(No Data)
FMNA 1005
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033852
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.7887
Yes
Yes
1.448
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
35.87
36.16
35.87
34.8
34.8
36.16
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
No
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
Written VOE - 24 months
Paystub - 1 months;
Written VOE - 24 months
Paystub - 1 months;
Written VOE - 24 months
(No Data)
Independent Third Party (The Work Number, Equifax etc)
Independent Third Party (The Work Number, Equifax etc)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033853
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.7230
Yes
Yes
0.483
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
24.3
25.78
24.3
23.57
23.57
25.78
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033854
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Permanent Resident Alien
Permanent Resident Alien
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.8870
Yes
No
2.313
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
80
46.44
80
41.1
41.1
46.44
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
Green Card
Green Card
(No Data)
(No Data)
409033855
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.6515
Yes
Yes
0.326
0.326
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
40.53
41.48
40.53
39.29
39.29
41.48
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 2 months;
W2 - 24 months;
Written VOE - 33 months
(No Data)
(No Data)
(No Data)
FMNA 1005
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033856
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Permanent Resident Alien
(No Data)
(No Data)
Primary
Low Rise Condo (1-4)
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.7272
Yes
Yes
0.277
0.277
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
37.6
39.91
37.6
38.04
38.04
39.91
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 2 months;
W2 - 24 months;
Written VOE - 29 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
Green Card
(No Data)
(No Data)
(No Data)
409033857
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.7315
Yes
Yes
0.273
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
41.6
44.17
41.6
41.98
41.98
41.98
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
Award Letter - 1 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033858
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.6861
Yes
Yes
0.208
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
31.27
30.74
31.27
29.18
29.18
30.74
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – Tax Return(s) - 36 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
FMNA 1005
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033861
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2072
Yes
Yes
0.143
0.143
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.4
43.98
42.4
42.4
42.4
43.98
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – Tax Return(s) - 12 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 1 months
IRS Transcripts – Tax Return(s) - 12 months;
Paystub - 35 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409033915
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3362
Yes
Yes
0.683
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
29.53
27.79
29.53
27.34
27.34
27.79
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409034006
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1858
Yes
Yes
0.059
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
30.4
30.5
30.4
29.36
29.36
30.5
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 12 months;
Personal Tax Return - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409034047
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.0007
Yes
Yes
0.073
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
33.22
32.73
33.22
30.36
30.36
32.73
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Personal Tax Return - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409034050
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.4288
Yes
Yes
1.275
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.89
42.56
42.89
40.43
40.43
42.56
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409034082
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2251
Yes
Yes
0
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
40.55
40.43
40.55
39.2
39.2
40.43
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 35 months
1099 - 12 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 12 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
FMNA 1005
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409034090
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2129
Yes
Yes
0.74
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.72
42.51
42.72
40.05
40.05
42.51
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months
Business Tax Return - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409034099
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.0889
Yes
Yes
0.11
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
27.86
27.57
27.86
26.28
26.28
27.87
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Written VOE - 24 months
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409034102
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1301
Yes
Yes
0.151
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
33.7
33.28
33.7
31.49
31.49
33.28
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months
IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
Written VOE - 34 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409034104
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1419
Yes
Yes
0.226
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
30.6
30.38
30.6
29.06
29.06
30.38
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409034107
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2052
Yes
Yes
0.986
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
27.44
27.09
27.44
25.49
25.49
27.09
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 35 months
(No Data)
(No Data)
(No Data)
FMNA 1005
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409034108
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.0636
Yes
Yes
0.067
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
10.38
10.24
10.38
9.6
9.6
10.24
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Written VOE - 35 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409034109
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.4483
Yes
Yes
0.182
1.064
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.8
42.17
42.8
41.23
41.23
42.17
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 36 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409034114
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1351
Yes
Yes
0.179
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.49
41.77
42.49
39.64
39.64
41.77
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 36 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409034122
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1688
Yes
Yes
0.185
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
40.92
39.03
40.92
38.16
38.16
39.03
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 35 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 35 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409034139
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2037
Yes
Yes
0.11
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
34.87
34.82
34.87
33.76
33.76
34.82
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 2 months;
W2 - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409034142
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
5.8608
Yes
Yes
0.127
0.127
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
14
13.91
14
12.98
12.98
13.91
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409034145
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2816
Yes
Yes
0.142
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
40.44
40.44
40.44
38.61
38.61
40.44
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409034160
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Permanent Resident Alien
(No Data)
(No Data)
Primary
Low Rise Condo (1-4)
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2343
Yes
Yes
0.767
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
27.02
26.47
27.02
28.46
24.58
28.99
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
Green Card
(No Data)
(No Data)
(No Data)
409034186
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2595
Yes
Yes
0.124
0.124
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
23.25
23.99
23.25
23.25
23.25
23.99
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409034192
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1116
Yes
Yes
1.97
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
40.97
43.81
40.97
40.98
40.98
43.81
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409034243
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1274
Yes
Yes
0.075
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
40.52
39.71
40.52
37.69
37.69
39.71
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – Tax Return(s) - 12 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409034262
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.4123
Yes
Yes
1.021
1.021
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
37.88
37.4
37.88
36.48
36.48
37.4
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 26 months
(No Data)
(No Data)
(No Data)
FMNA 1005
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409034295
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Permanent Resident Alien
(No Data)
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2088
Yes
Yes
0.09
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
40.19
42.95
40.19
40.34
40.34
42.95
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – W2(s) - 24 months;
Lease Agreement - 12 months;
Paystub - 35 months;
W2 - 24 months;
Written VOE - 35 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
Green Card
(No Data)
(No Data)
(No Data)
409034316
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.0884
Yes
Yes
0.096
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
35.08
35.08
35.08
32.42
32.42
35.08
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
W2 - 12 months;
Written VOE - 35 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409034335
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
5.9861
Yes
Yes
0.077
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
24.68
27.31
24.68
24.74
24.74
27.31
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409034337
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.4812
Yes
Yes
0.395
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.73
42.58
42.73
41.98
41.98
42.58
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409034344
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2636
Yes
Yes
1.234
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.86
42.87
42.86
41.92
41.92
42.87
No
No
(No Data)
XXXXX
Yes
360
No
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Personal Bank Statements - 2 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409034347
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Non-Permanent Resident Alien
Non-Permanent Resident Alien
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.4289
Yes
Yes
0.076
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
32.81
33.22
32.81
31.68
31.68
33.22
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
Work Visa
Other
(No Data)
(No Data)
409034985
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Low Rise Condo (1-4)
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1382
Yes
Yes
0.189
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
38.88
36.76
38.88
34.71
34.71
36.76
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409035034
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3025
Yes
Yes
0.175
Not Applicable
No
Yes
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
35.93
34.61
35.93
33.24
33.24
34.61
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 12 months;
Written VOE - 34 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409035353
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.0832
Yes
Yes
0.12
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
35.96
36.14
35.96
34.77
34.77
36.14
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Award Letter - 1 months;
Offer Letter - 12 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409035381
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1888
Yes
Yes
0.068
Not Applicable
No
Yes
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
32
32.07
32
31.35
31.35
32.07
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 12 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409035396
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3299
Yes
Yes
0.154
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
38.06
37.39
38
36.49
36.49
37.39
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409035414
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1272
Yes
Yes
0.771
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.75
44.64
42.75
42.75
42.75
44.64
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 12 months;
P & L - 12 months;
Personal Tax Return - 12 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Borrower
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409035549
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3336
Yes
Yes
0.085
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
38.03
33.01
38.03
32.13
32.13
33.01
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
1099 - 24 months;
IRS Transcripts – Tax Return(s) - 12 months;
Personal Tax Return - 24 months
1099 - 24 months;
IRS Transcripts – Tax Return(s) - 12 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409036698
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Low Rise Condo (1-4)
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.5571
Yes
Yes
1.647
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
34.42
32.81
34.42
26.8
26.8
32.81
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 24 months;
CPA Letter - 12 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409036977
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.0270
Yes
No
0.344
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
44.55
44.32
44.55
40.91
40.91
44.32
No
Yes
Yes
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Lease Agreement - 17 months;
Paystub - 24 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 35 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409036986
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2831
Yes
Yes
0.405
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
40.63
38.07
40.63
40
37.07
40.39
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 35 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409037010
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.0281
Yes
Yes
0.312
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.8
42.38
42.8
40.82
40.82
42.38
No
Yes
Yes
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – W2(s) - 24 months;
Paystub - 36 months;
W2 - 24 months;
Written VOE - 36 months
IRS Transcripts – W2(s) - 24 months;
Paystub - 13 months;
W2 - 24 months;
Written VOE - 36 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409037286
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Permanent Resident Alien
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1640
Yes
Yes
0.157
0.155
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
29.64
29.79
29.64
28.75
28.75
29.79
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
Work Visa
(No Data)
(No Data)
(No Data)
409037610
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2510
Yes
Yes
0.158
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
39.58
40.35
39.58
36.38
36.38
40.35
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – Tax Return(s) - 36 months;
Paystub - 32 months;
W2 - 24 months;
Written VOE - 33 months
IRS Transcripts – Tax Return(s) - 36 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 32 months
(No Data)
(No Data)
FMNA 1005
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409037617
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1992
Yes
Yes
0.204
0.204
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.92
42.66
42.92
40.57
40.57
42.66
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 35 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409037654
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1977
Yes
Yes
0.157
0.157
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.42
27.93
42.42
27.93
27.93
28.78
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 24 months;
P & L - 1 months;
Personal Tax Return - 24 months;
W2 - 12 months
Business Tax Return - 24 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Borrower
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409037668
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Attached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.7080
Yes
Yes
0.185
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
40.38
39.22
40.38
38.4
38.4
39.22
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 47 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409037681
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.0784
Yes
Yes
0.186
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
40.69
40.75
40.69
39.62
39.62
40.75
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409037749
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.0045
Yes
Yes
0.147
0.272
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
29.54
31.52
29.54
33.09
29.54
31.52
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
FMNA 1005
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409037785
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1952
Yes
Yes
0.193
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
32.66
32.45
32.66
30.2
30.2
32.45
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409037951
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1954
Yes
Yes
0.107
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
4.89
5.21
4.89
4.97
4.97
5.21
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
IRS Transcripts – W2(s) - 24 months;
P & L - 11 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Borrower
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409037972
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2529
Yes
Yes
0.137
Not Applicable
No
Yes
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42
44.62
42
42.23
42.23
44.62
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409038039
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Low Rise Condo (1-4)
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3922
Yes
Yes
0.148
0.148
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
22.72
23.59
22.72
21.86
21.86
23.59
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 3 months;
W2 - 24 months;
Written VOE - 33 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 33 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409038067
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2569
Yes
Yes
0.105
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
23.73
24.14
23.73
23.38
23.38
24.14
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 12 months;
Personal Tax Return - 12 months;
W2 - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409038069
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Permanent Resident Alien
U.S. Citizen
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2092
Yes
Yes
0.304
0.000
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
26.92
28.22
26.92
26.92
26.92
28.22
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 11 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 25 months
(No Data)
(No Data)
FMNA 1005
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
Green Card
(No Data)
(No Data)
(No Data)
409038073
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3296
Yes
Yes
0.209
0.203
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
29.36
28.84
29.36
28.57
28.57
28.84
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409038324
XXXXX
XXXXX
XXXXX
QM: Rebuttable Presumption (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.6854
Yes
Yes
0.123
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
11.6
15.16
11.6
16.61
15.06
15.16
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Business Tax Return - 12 months;
IRS Transcripts – W2(s) - 24 months;
Personal Tax Return - 12 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409038384
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Low Rise Condo (1-4)
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.6243
Yes
Yes
0.08
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
39.54
41.85
39.54
40.1
40.1
40.1
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 26 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409038385
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.6831
Yes
Yes
0.099
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
21.34
22.21
21.34
21.58
21.58
21.58
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 13 months;
W2 - 24 months;
Written VOE - 25 months
(No Data)
(No Data)
(No Data)
FMNA 1005
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409038386
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.7486
Yes
Yes
0.109
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
38.05
40.13
38.05
38.05
38.05
38.05
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 12 months
Written VOE - 27 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409038387
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.4805
No
No
0
Not Applicable
No
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
44.91
50.52
44.91
44.91
44.91
44.91
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Award Letter - 12 months;
Business Tax Return - 24 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 31 months
(No Data)
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409038388
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
7.0709
No
No
0.219
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
44.41
44.86
44.41
44.4
44.4
44.4
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 6 months;
W2 - 24 months
Award Letter - 12 months;
CPA Letter - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 6 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409038597
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.4499
Yes
Yes
0.109
0.109
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
41.62
42.43
41.62
42.02
42.02
42.43
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
CPA Letter - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
Written VOE - 1 months
(No Data)
(No Data)
(No Data)
FMNA 1005
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409039296
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1452
Yes
Yes
0.225
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
39.45
38.65
39.45
37.59
37.59
38.65
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 12 months;
Written VOE - 35 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 28 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
FMNA 1005
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409039483
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
1
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3215
Yes
Yes
0.11
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
40.99
40.99
40.99
38.47
38.47
40.99
No
No
(No Data)
XXXXX
No
0
(No Data)
No
XXXXX
(No Data)
XXXXX
(No Data)
Client Complete
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 5 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 34 months
(No Data)
(No Data)
Independent Third Party (The Work Number, Equifax etc)
Independent Third Party (The Work Number, Equifax etc)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)

 
 
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