Loan ID
Seller Loan ID
Investor Loan ID
Loan Program
Guideline Product Name
Originator Name
Originating Entity CDFI Flag
Guideline Name
Guideline Author
Guideline Date
Guideline Version
Application Date
TILA Status
TRID
GSE
Verified Safe Harbor Flag
Verified Safe Harbor Reference Document
QM Regulation Failures
ATR QM Total Points and Fees Audit
Loan Regulation Benchmark Date
Benchmark Rate
AUS Decision System
Rating Result
Property Inspection Waiver (PIW)
Calculated APR
HUD 1 Page 1 Credits Total
Verified Qualifying Rate
Originator Qualifying Rate
Qualifying P&I
Default Interest Rate Present
Default Interest Rate
Annual Property Tax
Monthly Property Tax
Annual Insurance Costs
Monthly Insurance Cost
Annual HOA Costs
Monthly HOA Costs
Monthly Other Costs
PITIA
Residual Income
HOA Questionnaire Flag
HOA Name
HOA Address State
HOA Fee Amount
HOA Next Due Date
HOA Payment Frequency
Originator DTI
TPR Verified DTI
QM DTI
Is Borrower Non Occupant
Is Co Borrower Non Occupant
Co Borrower 2 Asset Verification Level
Co Borrower 3 Asset Verification Level
Co Borrower 2 Income Verification Level
Co Borrower 3 Income Verification Level
Co Borrower 2 Employment Verification Level
Co Borrower 3 Employment Verification Level
Borrower Employment Indicator
Co Borrower Employment Indicator
Co Borrower 2 Employment Indicator
Co Borrower 3 Employment Indicator
Co Borrower 2 Length of Employment
Co Borrower 3 Length of Employment
Document Level
Borrower Years of W2s/1099
CoBorrower Years of W2s/1099
Borrower Months of Paystubs Verified
Co Borrower Months of Paystubs Verified
Borrower Employment Gap Letter
Borrower Months of Employment Gap
Co Borrower Employment Gap Letter
Co Borrower Months of Employment Gap
Borrower Years of Personal Tax Returns
Borrower Years of Business Tax Returns
CoBorrower Years of Personal Tax Returns
CoBorrower Years of Business Tax Returns
Years of 4506T
Years of Tax Transcripts
Borrower Award/Offer Letter
Co Borrower Award/Offer Letter
Asset Depletion Flag
Partial Asset Depletion Flag
Asset Depletion Months Amortized
Asset Utilization Flag (No DTI)
Borrower Bank Statements Flag
Borrower Bank Statement Summary/Lender Worksheet
Borrower Number of Personal Bank Statements
Borrower Number of Business Bank Statements
CoBorrower Bank Statements Flag
Co Borrower Bank Statement Summary/Lender Worksheet
CoBorrower Number of Personal Bank Statements
CoBorrower Number of Business Bank Statements
Percent of Income From Statements
Borrower Business Ownership %
CoBorrower Business Ownership %
Bespoke Eligible Assets
Borrower P&L Type
Borrower Number of Months P&L
Borrower P&L Prepared By
CoBorrower P&L Type
CoBorrower P&L Prepared By
CoBorrower Number of Months P&L
Borrower CPA Letter Flag
# of Months CPA verified income
CoBorrower CPA Letter Flag
CoBorrower # of Months CPA verified income
Borrower WVOE Flag
Borrower # of Months Employment Validated WVOE
Borrower # of Months Income Validated WVOE
Borrower WVOE Form Type
CoBorrower WVOE Flag
CoBorrower # of Months WVOE
CoBorrower # of Months Income Validated WVOE
CoBorrower WVOE Form Type
DSCR Flag
TPR DSCR
Originator DSCR
Expense Letter
Income Doc Detail
Tax Return Doc Details
Property Address
Property City
Property State
Property Zip
Property County
Original Credit Report Date
Borrower 1 Credit Report Date
Borrower 2 Credit Report Date
Borrower 3 Credit Report Date
Borrower 4 Credit Report Date
Qualifying Credit Score
Third Wage Earner Original FICO Equifax
Third Wage Earner Original FICO Experian
Third Wage Earner Original FICO Transunion
Fourth Wage Earner Original FICO Equifax
Fourth Wage Earner Original FICO Experian
Fourth Wage Earner Original FICO Transunion
Most Recent Co Borrower 2 FICO
Most Recent Co Borrower 3 FICO
Updated Credit Report Flag
Updated Credit Report Date
Updated FICO Method
Primary Wage Earner Updated FICO Equifax
Primary Wage Earner Updated FICO Experian
Primary Wage Earner Updated FICO Transunion
Secondary Wage Earner Updated FICO Equifax
Secondary Wage Earner Updated FICO Experian
Secondary Wage Earner Updated FICO Transunion
Third Wage Earner Updated FICO Equifax
Third Wage Earner Updated FICO Experian
Third Wage Earner Updated FICO Transunion
Fourth Wage Earner Updated FICO Equifax
Fourth Wage Earner Updated FICO Experian
Fourth Wage Earner Updated FICO Transunion
Updated Primary Borrower FICO
Updated Co Borrower FICO
Updated Co Borrower 2 FICO
Updated Co Borrower 3 FICO
Updated Qualifying FICO
Most Recent Bankruptcy Type
Most Recent Bankruptcy Filing Date
Most Recent Bankruptcy Discharge Date
Number of Bankruptcy Events
Months Bankruptcy 7 11
Months Bankruptcy 13
Most Recent Deed in Lieu Date
Number of Deed in Lieu Events
Months Deed in Lieu
Most Recent Short Sale Date
Number of Short Sale Events
Months Short Sale (or Pre FC)
Most Recent Foreclosure Date
Number of Foreclosure Events
Months Foreclosure
Prior Mortgage/Rent Lates 30d in 0-12m
Prior Mortgage/Rent Lates 60d in 0-12m
Prior Mortgage/Rent Lates 90d in 0-12m
Prior Mortgage/Rent Lates 120d+ in 0-12m
Prior Mortgage/Rent Lates 30d in 13-24m
Prior Mortgage/Rent Lates 60d in 13-24m
Prior Mortgage/Rent Lates 90d in 13-24m
Prior Mortgage/Rent Lates 120d+ in 13-24m
Prior Mortgage/Rent Late 30d in 24m
Prior Mortgage/Rent Late 60d in 24m
Prior Mortgage/Rent Late 90d in 24m
Has ACH
Is Equity Shared Loan
Subordinate Lien Type
Subordinate Lien Max Draw Amount (HELOC)
Subordinate Lien 2 Type
Subordinate Lien 2 Max Draw Amount (HELOC)
Subordinate Lien 3 Type
Subordinate Lien 3 Max Draw Amount (HELOC)
Is Shared Appreciation Mortgage
Borrower Originator Citizenship Designation
Borrower Verified Citizenship Designation
Borrower Individual Tax Identification Number (ITIN)?
Borrower Photo Identification Type
Borrower Photo Identification Other Type
Borrower Photo ID State of Issuance
Borrower Photo ID Country of Issuance
Borrower Photo ID Expiration Date
Borrower Passport Country of Origin
Borrower Passport Expiration Date
Borrower Non-US Citizen Identification Document
Borrower Date of Resident Since/Valid Date
Borrower Non-US Document Expiration Date
Co Borrower Originator Citizenship Designation
Co Borrower Verified Citizenship Designation
Co Borrower Individual Tax Identification Number (ITIN)?
Co Borrower Photo Identification Type
Co Borrower Photo Identification Other Type
Co Borrower Photo ID State of Issuance
Co Borrower Photo ID Country of Issuance
Co Borrower Photo ID Expiration Date
Co Borrower Passport Country of Origin
Co Borrower Passport Expiration Date
Co Borrower Non-US Citizen Identification Document
Co Borrower Date of Resident Since/Valid Date
Co Borrower Non-US Document Expiration Date
Co Borrower 2 Originator Citizenship Designation
Co Borrower 2 Verified Citizenship Designation
Co Borrower 2 Individual Tax Identification Number (ITIN)?
Co Borrower 2 Photo Identification Type
Co Borrower 2 Photo Identification Other Type
Co Borrower 2 Photo ID State of Issuance
Co Borrower 2 Photo ID Country of Issuance
Co Borrower 2 Photo ID Expiration Date
Co Borrower 2 Passport Country of Origin
Co Borrower 2 Passport Expiration Date
Co Borrower 2 Non-US Citizen Identification Document
Co Borrower 2 Date of Resident Since/Valid Date
Co Borrower 2 Non-US Document Expiration Date
Co Borrower 3 Originator Citizenship Designation
Co Borrower 3 Verified Citizenship Designation
Co Borrower 3 Individual Tax Identification Number (ITIN)?
Co Borrower 3 Photo Identification Type
Co Borrower 3 Photo Identification Other Type
Co Borrower 3 Photo ID State of Issuance
Co Borrower 3 Photo ID Country of Issuance
Co Borrower 3 Photo ID Expiration Date
Co Borrower 3 Passport Country of Origin
Co Borrower 3 Passport Expiration Date
Co Borrower 3 Non-US Citizen Identification Document
Co Borrower 3 Date of Resident Since/Valid Date
Co Borrower 3 Non-US Document Expiration Date
Property Rights
Leasehold Lease Expiration Date
Buydown Flag
Assumable Mortgage Flag
Foreign National Alternative Credit Documentation
Liquid / Cash Reserves (ASF)
Months Liquid Reserves
Total Assets Available for Reserves
Months Reserves
Blanket Mortgage Flag
Qualifying HCLTV
Condo Warrantability Flag
E-Note Flag
O&E in lieu of Title Insurance
Business Purpose Flag
Borrower Note Executed As
Co Borrower Note Executed As
Co Borrower 2 Note Executed As
Co Borrower 3 Note Executed As
Borrower 1 Trust Name
Borrower 2 Trust Name
Borrower 3 Trust Name
Borrower 4 Trust Name
XXXX
 
6117940
XXXX
XXXX
XXXX
No
XXXX
XXXX
XXXX
XXXX
XXXX
ATR/QM: Exempt
Yes
No
No
N/A
Appendix Q Documentation
0
02/19/2024
6.770%
Manual Underwriting
Manual Underwriting
No
XX.XX%
 
8.250%
8.250%
$1,690.35
No
 
$4,586.16
$382.18
$1,128.00
$94.00
$0.00
$0.00
$0.00
$2,166.53
 
N/A
XXXX
 
$0.00
XXXX
 
0.00%
0.00%
0.00%
Yes
             
Unknown
         
Debt Service Coverage Ratio
0
0
NA
NA
N/A
0
N/A
0
0
0
0
0
0
0
NA
NA
No
No
0
No
No
N/A
0
0
No
N/A
0
0
0.00%
     
N/A
0
N/A
N/A
N/A
0
NA
0
No
0
NA
0
0
N/A
NA
0
0
N/A
Yes
1.02
1.02
N/A
Borrower
Borrower
XXXX
XXXX
PA
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
755
               
No
                                     
NA
XXXX
XXXX
0
XXXX
XXXX
XXXX
0
XXXX
XXXX
0
XXXX
XXXX
0
XXXX
0
0
0
0
       
0
0
0
Unknown
No
           
No
US Citizen
US Citizen
N/A
Standard Driver's License - Not for federal use
 
PA
United States
XXXX
XXXX
XXXX
N/A
XXXX
XXXX
           
XXXX
XXXX
XXXX
XXXX
 
XXXX
XXXX
           
XXXX
XXXX
XXXX
XXXX
 
XXXX
XXXX
           
XXXX
XXXX
 
XXXX
 
XXXX
XXXX
Fee Simple
XXXX
No
No
N/A
698201.42
322.3
698201.42
322.3
No
XX.XX
N/A
No
No
Yes
Borrower As Individual
N/A
N/A
N/A
       
XXXX
 
6117947
XXXX
XXXX
XXXX
No
XXXX
XXXX
XXXX
XXXX
XXXX
ATR/QM: Exempt
No
No
No
N/A
N/A
     
Manual Underwriting
Manual Underwriting
No
   
7.625%
7.500%
$1,247.49
No
 
$3,293.76
$274.48
$1,553.76
$129.48
$0.00
$0.00
$0.00
$1,651.45
 
N/A
XXXX
 
$0.00
XXXX
 
0.00%
0.00%
0.00%
Yes
Yes
           
Unknown
Unknown
       
Debt Service Coverage Ratio
0
0
NA
NA
N/A
0
N/A
0
0
0
0
0
0
0
NA
NA
No
No
0
No
No
N/A
0
0
No
N/A
0
0
0.00%
     
N/A
0
N/A
N/A
N/A
0
NA
0
No
0
NA
0
0
N/A
NA
0
0
N/A
Yes
1.06
1.06
N/A
Borrower || Co Borrower
Borrower || Co Borrower
XXXX
XXXX
TX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
709
               
No
                                     
NA
XXXX
XXXX
0
XXXX
XXXX
XXXX
0
XXXX
XXXX
0
XXXX
XXXX
0
XXXX
0
0
0
0
       
0
0
0
Unknown
No
           
No
US Citizen
US Citizen
N/A
Real ID Driver's License
 
TX
United States
XXXX
XXXX
XXXX
N/A
XXXX
XXXX
US Citizen
US Citizen
N/A
Real ID Driver's License
 
TX
XXXX
XXXX
XXXX
XXXX
N/A
XXXX
XXXX
           
XXXX
XXXX
XXXX
XXXX
 
XXXX
XXXX
           
XXXX
XXXX
 
XXXX
 
XXXX
XXXX
Fee Simple
XXXX
No
No
N/A
185186.71
112.1
185186.71
112.1
No
XX.XX
N/A
No
No
Yes
Member on Behalf of Entity
Member on Behalf of Entity
N/A
N/A
       
XXXX
 
6117953
XXXX
XXXX
XXXX
No
XXXX
XXXX
XXXX
XXXX
XXXX
Non-QM: Lender documented all ATR UW factors
Yes
No
No
N/A
N/A
0
03/11/2024
6.820%
Manual Underwriting
Manual Underwriting
No
XX.XX%
 
8.625%
8.625%
$3,842.28
No
 
$2,368.80
$197.40
$2,274.00
$189.50
$10,356.00
$863.00
$0.00
$5,092.18
 
Yes
XXXX
SC
$863.00
XXXX
Monthly
0.00%
0.00%
0.00%
No
             
Not Employed
         
Asset Utilization (No DTI)
0
0
NA
NA
N/A
0
N/A
0
0
0
0
0
0
0
NA
NA
No
No
60.0
Yes
No
Yes
0
0
No
N/A
0
0
0.00%
0.00%
   
N/A
0
N/A
N/A
N/A
0
NA
0
No
0
NA
0
0
N/A
NA
0
0
N/A
No
0
 
N/A
Borrower - Asset Depletion
Borrower
XXXX
XXXX
SC
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
715
               
No
                                     
NA
XXXX
XXXX
0
XXXX
XXXX
XXXX
0
XXXX
XXXX
0
XXXX
XXXX
0
XXXX
0
0
0
0
       
0
0
0
Unknown
No
           
No
US Citizen
US Citizen
N/A
Standard Driver's License - Not for federal use
 
NC
United States
XXXX
XXXX
XXXX
N/A
XXXX
XXXX
           
XXXX
XXXX
XXXX
XXXX
 
XXXX
XXXX
           
XXXX
XXXX
XXXX
XXXX
 
XXXX
XXXX
           
XXXX
XXXX
 
XXXX
 
XXXX
XXXX
Fee Simple
XXXX
No
No
N/A
2192392.47
430.5
2192392.47
430.5
No
XX.XX
No
No
No
No
Borrower As Individual
N/A
N/A
N/A
       
XXXX
 
4859246
XXXX
XXXX
XXXX
No
XXXX
XXXX
XXXX
XXXX
XXXX
Non-QM: Lender documented all ATR UW factors
Yes
No
No
N/A
N/A
0
10/30/2023
7.840%
Manual Underwriting
Manual Underwriting
No
XX.XX%
 
14.920%
14.990%
$1,245.47
No
 
$5,371.44
$447.62
$1,224.00
$102.00
$2,400.00
$200.00
$954.93
$2,950.02
$3,479.58
N/A
XXXX
WA
$200.00
XXXX
Monthly
22.45%
48.45%
48.45%
No
No
           
Employed
Employed
       
2YR Full Doc
2 YRS W2
0
1 Month
NA
N/A
0
N/A
0
0
0
0
0
1
0
NA
NA
No
No
0
No
No
N/A
0
0
No
N/A
0
0
0.00%
0.00%
   
N/A
0
N/A
N/A
N/A
0
NA
0
No
0
NA
0
0
N/A
NA
0
0
N/A
No
0
 
N/A
Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Executed 4506T Verified - 2022, 2023, 2021 || Co Borrower
Borrower - Executed 4506T Verified - 2022, 2023, 2021 || Co Borrower
XXXX
XXXX
WA
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
595
               
No
                                     
NA
XXXX
XXXX
0
XXXX
XXXX
XXXX
0
XXXX
XXXX
0
XXXX
XXXX
0
XXXX
3
0
0
0
5
0
0
0
8
0
0
Unknown
No
           
No
US Citizen
US Citizen
N/A
Standard Driver's License - Not for federal use
 
WA
United States
XXXX
XXXX
XXXX
N/A
XXXX
XXXX
US Citizen
US Citizen
N/A
Real ID Driver's License
 
WA
XXXX
XXXX
XXXX
XXXX
N/A
XXXX
XXXX
           
XXXX
XXXX
XXXX
XXXX
 
XXXX
XXXX
           
XXXX
XXXX
 
XXXX
 
XXXX
XXXX
Fee Simple
XXXX
No
No
N/A
.00
0.0
.00
0.0
No
XX.XX
Yes
No
No
No
Borrower As Individual
Borrower As Individual
N/A
N/A
       
XXXX
 
4859256
XXXX
XXXX
XXXX
No
XXXX
XXXX
XXXX
XXXX
XXXX
Non-QM: Lender documented all ATR UW factors
Yes
No
No
N/A
N/A
0
06/07/2024
6.550%
Manual Underwriting
Manual Underwriting
No
XX.XX%
 
13.625%
13.625%
$888.52
No
 
$5,064.60
$422.05
$1,308.72
$109.06
$0.00
$0.00
$2,438.63
$3,858.26
$6,427.70
N/A
XXXX
 
$0.00
XXXX
 
38.98%
45.99%
45.99%
No
No
           
Employed
Employed
       
2YR Full Doc
2 YRS W2
1 YR W2
2+ Months
1 Month
N/A
0
N/A
0
0
0
0
0
0
0
NA
NA
No
No
0
No
No
Yes
0
0
No
Yes
0
0
0.00%
0.00%
0.00%
 
N/A
0
N/A
N/A
N/A
0
NA
0
No
0
NA
0
0
N/A
NA
0
0
N/A
No
0
 
N/A
Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified - 2023, 2024, 2022 || Co Borrower - Wage - 1 YR W2 Verified, 1 Month Paystubs Verified - 2023, 2024
Borrower - 2023, 2024, 2022 || Co Borrower - 2023, 2024
XXXX
XXXX
WA
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
620
               
No
                                     
NA
XXXX
XXXX
0
XXXX
XXXX
XXXX
0
XXXX
XXXX
0
XXXX
XXXX
0
XXXX
0
0
0
0
0
0
0
0
0
0
0
Unknown
No
           
No
US Citizen
US Citizen
N/A
Standard Driver's License - Not for federal use
 
WA
United States
XXXX
XXXX
XXXX
N/A
XXXX
XXXX
US Citizen
US Citizen
N/A
Standard Driver's License - Not for federal Use
 
WA
XXXX
XXXX
XXXX
XXXX
N/A
XXXX
XXXX
           
XXXX
XXXX
XXXX
XXXX
 
XXXX
XXXX
           
XXXX
XXXX
 
XXXX
 
XXXX
XXXX
Fee Simple
XXXX
No
No
N/A
3998.20
1.0
3998.20
1.0
No
XX.XX
N/A
No
No
No
Borrower As Individual
Borrower As Individual
N/A
N/A
       
XXXX
 
4859261
XXXX
XXXX
XXXX
No
XXXX
XXXX
XXXX
XXXX
XXXX
Non-QM: Lender documented all ATR UW factors
Yes
No
No
N/A
N/A
0
07/12/2024
6.990%
Manual Underwriting
Manual Underwriting
No
XX.XX%
 
14.250%
14.250%
$728.84
No
 
$3,861.48
$321.79
$1,070.04
$89.17
$0.00
$0.00
$2,099.76
$3,239.56
$11,150.07
N/A
XXXX
 
$0.00
XXXX
 
36.39%
36.39%
36.39%
No
No
           
Employed
Employed
       
2YR Full Doc
2 YRS W2
2 YRS W2
1 Month
1 Month
N/A
0
N/A
0
2
0
2
0
1
0
NA
NA
No
No
0
No
No
Yes
0
0
No
Yes
0
0
0.00%
0.00%
0.00%
 
N/A
0
N/A
N/A
N/A
0
NA
0
No
0
NA
0
0
N/A
NA
0
0
N/A
No
0
 
N/A
Borrower - Wage, Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, Executed 4506T Verified - 2023, 2024 || Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, Executed 4506T Verified - 2023, 2024
Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified - 2023, 2024 || Co Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified - 2023, 2024
XXXX
XXXX
WA
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
664
               
No
                                     
NA
XXXX
XXXX
0
XXXX
XXXX
XXXX
0
XXXX
XXXX
0
XXXX
XXXX
0
XXXX
0
0
0
0
0
0
0
0
0
0
0
Unknown
No
           
No
US Citizen
US Citizen
N/A
Standard Driver's License - Not for federal use
 
WA
United States
XXXX
XXXX
XXXX
N/A
XXXX
XXXX
US Citizen
US Citizen
N/A
Standard Driver's License - Not for federal Use
 
WA
XXXX
XXXX
XXXX
XXXX
N/A
XXXX
XXXX
           
XXXX
XXXX
XXXX
XXXX
 
XXXX
XXXX
           
XXXX
XXXX
 
XXXX
 
XXXX
XXXX
Fee Simple
XXXX
No
No
N/A
990.89
0.3
990.89
0.3
No
XX.XX
N/A
No
No
No
Borrower As Individual
Borrower As Individual
N/A
N/A
       
XXXX
 
4859270
XXXX
XXXX
XXXX
No
XXXX
XXXX
XXXX
XXXX
XXXX
Non-QM: Lender documented all ATR UW factors
Yes
No
No
N/A
N/A
0
09/23/2024
6.040%
Manual Underwriting
Manual Underwriting
No
XX.XX%
 
13.490%
13.490%
$1,774.17
No
 
$5,804.76
$483.73
$1,755.96
$146.33
$0.00
$0.00
$2,412.36
$4,816.59
$9,566.42
N/A
XXXX
 
$0.00
XXXX
 
45.62%
45.62%
45.62%
No
             
Employed
         
2YR Full Doc
2 YRS W2
0
2+ Months
NA
N/A
0
N/A
0
1
0
0
0
1
0
NA
NA
No
No
0
No
No
Missing
0
0
No
N/A
0
0
0.00%
0.00%
   
N/A
0
N/A
N/A
N/A
0
NA
0
No
0
NA
0
0
N/A
NA
0
0
N/A
No
0
 
N/A
Borrower - Wage, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified - 2024, 2023, 2022
Borrower - 1 YR Personal Tax Returns Verified, Executed 4506T Verified - 2024, 2023, 2022
XXXX
XXXX
WA
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
613
               
No
                                     
NA
XXXX
XXXX
0
XXXX
XXXX
XXXX
0
XXXX
XXXX
0
XXXX
XXXX
0
XXXX
1
0
0
0
0
0
0
0
1
0
0
Unknown
No
           
No
US Citizen
US Citizen
N/A
Standard Driver's License - Not for federal use
 
WA
United States
XXXX
XXXX
XXXX
N/A
XXXX
XXXX
           
XXXX
XXXX
XXXX
XXXX
 
XXXX
XXXX
           
XXXX
XXXX
XXXX
XXXX
 
XXXX
XXXX
           
XXXX
XXXX
 
XXXX
 
XXXX
XXXX
Fee Simple
XXXX
No
No
N/A
.00
0.0
.00
0.0
No
XX.XX
N/A
No
No
No
Borrower As Individual
N/A
N/A
N/A
       
XXXX
 
4859272
XXXX
XXXX
XXXX
No
XXXX
XXXX
XXXX
XXXX
XXXX
Non-QM: Lender documented all ATR UW factors
Yes
No
No
N/A
N/A
0
10/01/2024
6.100%
Manual Underwriting
Manual Underwriting
No
XX.XX%
 
13.720%
13.990%
$1,116.24
No
 
$3,848.40
$320.70
$3,453.96
$287.83
$1,080.00
$90.00
$1,801.40
$3,616.17
$26,746.39
N/A
XXXX
WA
$90.00
XXXX
Monthly
21.63%
21.83%
21.83%
No
No
           
Self-Employed
Not Employed
       
12 Month Bank Statement
0
0
NA
NA
N/A
0
N/A
0
0
0
0
0
0
0
NA
NA
No
No
0
No
Yes
Yes
0
12
No
N/A
0
0
100.00%
100.00%
   
N/A
0
N/A
N/A
N/A
0
NA
0
No
0
NA
0
0
N/A
NA
0
0
N/A
No
0
 
N/A
Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2023 || Co Borrower
Borrower - 2024, 2023 || Co Borrower
XXXX
XXXX
WA
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
646
               
No
                                     
NA
XXXX
XXXX
0
XXXX
XXXX
XXXX
0
XXXX
XXXX
0
XXXX
XXXX
0
XXXX
0
0
0
0
0
0
0
0
0
0
0
Unknown
No
           
No
US Citizen
US Citizen
N/A
Standard Driver's License - Not for federal use
 
WA
United States
XXXX
XXXX
XXXX
N/A
XXXX
XXXX
US Citizen
US Citizen
N/A
Standard Driver's License - Not for federal Use
 
WA
XXXX
XXXX
XXXX
XXXX
N/A
XXXX
XXXX
           
XXXX
XXXX
XXXX
XXXX
 
XXXX
XXXX
           
XXXX
XXXX
 
XXXX
 
XXXX
XXXX
Fee Simple
XXXX
No
No
N/A
.00
0.0
62757.59
17.4
No
XX.XX
N/A
No
No
No
Borrower As Individual
Borrower As Individual
N/A
N/A
       
XXXX
 
5916426
XXXX
XXXX
XXXX
No
XXXX
XXXX
XXXX
XXXX
XXXX
Non-QM: Lender documented all ATR UW factors
Yes
No
No
N/A
N/A
0
06/30/2025
6.770%
Manual Underwriting
Manual Underwriting
No
XX.XX%
 
10.625%
10.625%
$665.35
No
 
$0.00
$0.00
$0.00
$0.00
$200.04
$16.67
$3,023.48
$3,705.50
$5,747.73
N/A
XXXX
FL
$16.67
XXXX
Annually
44.44%
48.72%
48.72%
No
             
Not Employed
         
1YR Full Doc
0
 
NA
 
N/A
0
   
0
0
   
3
0
Yes
 
No
No
0
No
No
N/A
0
0
No
     
0.00%
0.00%
   
N/A
0
N/A
     
NA
0
No
 
NA
0
0
N/A
   
0
 
No
0
 
N/A
Borrower - Retirement - 3 YRS Executed 4506T Verified, Award Letter Verified - 2025
Borrower - 3 YRS Executed 4506T Verified - 2025
XXXX
XXXX
FL
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
747
               
No
                                     
NA
XXXX
XXXX
0
XXXX
XXXX
XXXX
0
XXXX
XXXX
0
XXXX
XXXX
0
XXXX
0
0
0
0
0
0
0
0
0
0
0
Unknown
No
           
No
US Citizen
US Citizen
N/A
Other
USA PATRIOT ACT
FL
United States of America (USA)
XXXX
XXXX
XXXX
N/A
XXXX
XXXX
           
XXXX
XXXX
XXXX
XXXX
 
XXXX
XXXX
           
XXXX
XXXX
XXXX
XXXX
 
XXXX
XXXX
           
XXXX
XXXX
 
XXXX
 
XXXX
XXXX
Fee Simple
XXXX
No
No
N/A
.00
0.0
52180.16
14.1
No
XX.XX
N/A
No
No
No
Borrower As Individual
N/A
N/A
N/A
       
XXXX
 
5940479
XXXX
XXXX
XXXX
No
XXXX
XXXX
XXXX
XXXX
XXXX
Non-QM: Lender documented all ATR UW factors
Yes
No
No
N/A
N/A
0
06/18/2025
6.400%
Manual Underwriting
Manual Underwriting
No
XX.XX%
 
8.625%
8.625%
$1,112.20
No
 
$0.00
$0.00
$0.00
$0.00
$1,046.04
$87.17
$2,566.00
$3,765.37
$4,451.74
N/A
XXXX
NC
$87.17
XXXX
Annually
47.30%
48.68%
48.68%
No
             
Employed
         
1YR Full Doc
1 YR W2
 
1 Month
 
N/A
0
   
0
0
   
3
0
NA
 
No
No
0
No
No
Yes
0
0
No
     
0.00%
0.00%
   
N/A
0
N/A
     
NA
0
No
 
NA
0
0
N/A
   
0
 
No
0
   
Borrower - Wage, Overtime and Bonus, Commission - 1 YR W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, null IRS Transcripts Verified - 2024, 2025
Borrower - 3 YRS Executed 4506T Verified, null IRS Transcripts Verified - 2024, 2025
XXXX
XXXX
NC
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
684
               
No
                                     
NA
XXXX
XXXX
0
XXXX
XXXX
XXXX
0
XXXX
XXXX
0
XXXX
XXXX
0
XXXX
0
0
0
0
0
0
0
0
0
0
0
Unknown
No
           
No
US Citizen
US Citizen
N/A
Passport
 
N/A
United States of America (USA)
XXXX
XXXX
XXXX
N/A
XXXX
XXXX
           
XXXX
XXXX
XXXX
XXXX
 
XXXX
XXXX
           
XXXX
XXXX
XXXX
XXXX
 
XXXX
XXXX
           
XXXX
XXXX
 
XXXX
 
XXXX
XXXX
Fee Simple
XXXX
No
No
N/A
.00
0.0
32988.02
8.8
No
XX.XX
N/A
No
No
No
Borrower As Individual
N/A
N/A
N/A
       
XXXX
 
6001636
XXXX
XXXX
XXXX
No
XXXX
XXXX
XXXX
XXXX
XXXX
Non-QM: Lender documented all ATR UW factors
Yes
No
No
N/A
N/A
0
08/06/2025
6.750%
Manual Underwriting
Manual Underwriting
No
XX.XX%
 
8.500%
8.500%
$5,766.85
No
 
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$13,085.12
$18,851.97
$59,829.12
N/A
XXXX
 
$0.00
XXXX
 
28.03%
27.29%
27.29%
No
             
Employed
         
1YR Full Doc
2 YRS W2
 
2+ Months
 
N/A
0
   
2
0
   
2
1
NA
 
No
No
0
No
No
Yes
0
0
No
     
0.00%
0.00%
   
N/A
0
N/A
     
NA
0
No
 
Yes
12
12
Other
   
0
 
No
0
 
N/A
Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025
Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025
XXXX
XXXX
FL
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
797
               
No
                                     
NA
XXXX
XXXX
0
XXXX
XXXX
XXXX
0
XXXX
XXXX
0
XXXX
XXXX
0
XXXX
0
0
0
0
0
0
 
0
0
0
0
Unknown
No
           
No
US Citizen
US Citizen
N/A
Real ID Driver's License
 
FL
United States of America (USA)
XXXX
XXXX
XXXX
N/A
XXXX
XXXX
           
XXXX
XXXX
XXXX
XXXX
 
XXXX
XXXX
           
XXXX
XXXX
XXXX
XXXX
 
XXXX
XXXX
           
XXXX
XXXX
 
XXXX
 
XXXX
XXXX
Fee Simple
XXXX
No
No
N/A
.00
0.0
752955.08
39.9
No
XX.XX
N/A
No
No
No
Borrower As Individual
N/A
N/A
N/A
       
XXXX
 
6163829
XXXX
XXXX
XXXX
No
XXXX
XXXX
XXXX
XXXX
XXXX
Non-QM: Lender documented all ATR UW factors
Yes
No
No
N/A
N/A
3240
09/15/2025
6.320%
Manual Underwriting
Manual Underwriting
No
XX.XX%
 
9.000%
9.000%
$1,609.25
No
 
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$2,548.77
$4,158.02
$91,294.40
N/A
XXXX
 
$0.00
XXXX
 
15.03%
14.04%
14.04%
No
No
           
Not Employed
Self-Employed
       
12 Month Bank Statement
0
0
NA
NA
N/A
0
N/A
0
0
0
0
0
0
0
NA
NA
No
No
0
No
No
N/A
0
0
Yes
Yes
0
12
100.00%
0.00%
100.00%
 
N/A
0
N/A
N/A
N/A
0
NA
0
No
0
NA
0
0
N/A
NA
0
0
N/A
No
0
 
N/A
Borrower - Other REO Net Rental Income(Loss) || Co Borrower - SESoleProprietor - Business Bank Statements Verified - 2025, 2024
Borrower || Co Borrower - 2025, 2024
XXXX
XXXX
MA
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
723
               
No
                                     
NA
XXXX
XXXX
0
XXXX
XXXX
XXXX
0
XXXX
XXXX
0
XXXX
XXXX
0
XXXX
0
0
0
0
0
0
0
0
0
0
0
Unknown
No
           
No
US Citizen
US Citizen
N/A
Real ID Driver's License
 
MA
United States of America (USA)
XXXX
XXXX
XXXX
N/A
XXXX
XXXX
US Citizen
US Citizen
N/A
Real ID Driver's License
 
MA
XXXX
XXXX
XXXX
XXXX
N/A
XXXX
XXXX
           
XXXX
XXXX
XXXX
XXXX
 
XXXX
XXXX
           
XXXX
XXXX
 
XXXX
 
XXXX
XXXX
Fee Simple
XXXX
No
No
N/A
.00
0.0
194019.51
44.7
No
XX.XX
N/A
No
No
No
Borrower As Individual
Borrower As Individual
N/A
N/A
       
XXXX
 
6399243
XXXX
XXXX
XXXX
No
XXXX
XXXX
XXXX
XXXX
XXXX
Non-QM: Lender documented all ATR UW factors
Yes
No
No
N/A
Client Affirms Non-QM Status
0
11/06/2025
6.170%
Manual Underwriting
Manual Underwriting
No
XX.XX%
 
7.875%
7.875%
$3,188.09
No
 
$740.64
$61.72
$2,191.56
$182.63
$0.00
$0.00
$3,389.45
$7,067.63
$16,024.30
N/A
XXXX
 
$0.00
XXXX
 
36.49%
36.65%
36.65%
No
             
Self-Employed
         
12 Month Bank Statement
0
 
NA
 
N/A
0
   
0
0
   
0
0
NA
 
No
No
0
No
Yes
Yes
0
12
No
     
100.00%
100.00%
   
N/A
0
N/A
     
NA
0
No
 
NA
0
0
N/A
   
0
 
No
0
 
N/A
Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified, Lease Agreements Verified - 2024, 2025
Borrower - 2024, 2025
XXXX
XXXX
CA
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
720
               
No
                                     
NA
XXXX
XXXX
0
XXXX
XXXX
XXXX
0
XXXX
XXXX
0
XXXX
XXXX
0
XXXX
0
0
0
0
0
0
0
0
0
0
0
Unknown
No
       
Closed End - Fixed
 
No
US Citizen
US Citizen
N/A
Standard Driver's License - Not for federal use
 
CA
United States of America (USA)
XXXX
XXXX
XXXX
N/A
XXXX
XXXX
           
XXXX
XXXX
XXXX
XXXX
 
XXXX
XXXX
           
XXXX
XXXX
XXXX
XXXX
 
XXXX
XXXX
           
XXXX
XXXX
 
XXXX
 
XXXX
XXXX
Fee Simple
XXXX
No
No
N/A
.00
0.0
69928.66
9.9
No
XX.XX
N/A
No
No
No
Borrower As Individual
N/A
N/A
N/A
       
XXXX
 
6399256
XXXX
XXXX
XXXX
No
XXXX
XXXX
XXXX
XXXX
XXXX
Non-QM: Lender documented all ATR UW factors
Yes
No
No
N/A
Client Affirms Non-QM Status
5245.0
11/14/2025
6.260%
Manual Underwriting
Manual Underwriting
No
XX.XX%
 
7.875%
7.875%
$1,450.14
No
 
$21,743.76
$1,811.98
$795.00
$66.25
$1,104.00
$92.00
$4,715.06
$8,135.43
$8,626.95
N/A
XXXX
CA
$92.00
XXXX
Monthly
49.91%
49.89%
49.89%
No
No
           
Self-Employed
Not Employed
       
12 Month Bank Statement
2 YRS W2
0
2+ Months
NA
N/A
0
N/A
0
0
0
0
0
3
2
NA
NA
No
No
0
No
Yes
Yes
0
12
No
N/A
0
0
36.60%
50.00%
   
N/A
0
N/A
N/A
N/A
0
NA
0
No
0
NA
0
0
N/A
NA
0
0
N/A
No
0
   
Borrower - Wage, SEPartnership - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified - 2024, 2025, 2023 || Co Borrower
Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2023 || Co Borrower
XXXX
XXXX
CA
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
766
               
No
                                     
NA
XXXX
XXXX
0
XXXX
XXXX
XXXX
0
XXXX
XXXX
0
XXXX
XXXX
0
XXXX
0
0
0
0
0
0
0
0
0
0
0
Unknown
No
           
No
US Citizen
US Citizen
N/A
Real ID Driver's License
 
CA
United States of America (USA)
XXXX
XXXX
XXXX
N/A
XXXX
XXXX
US Citizen
US Citizen
N/A
Real ID Driver's License
 
CA
XXXX
XXXX
XXXX
XXXX
N/A
XXXX
XXXX
           
XXXX
XXXX
XXXX
XXXX
 
XXXX
XXXX
           
XXXX
XXXX
 
XXXX
 
XXXX
XXXX
Fee Simple
XXXX
No
No
N/A
.00
0.0
167385.75
20.6
No
XX.XX
N/A
No
No
No
Borrower As Individual
Borrower As Individual
N/A
N/A
       
XXXX
 
6399253
XXXX
XXXX
XXXX
No
XXXX
XXXX
XXXX
XXXX
XXXX
Non-QM: Lender documented all ATR UW factors
Yes
No
No
N/A
Client Affirms Non-QM Status
6467.0
11/17/2025
6.230%
Manual Underwriting
Manual Underwriting
No
XX.XX%
 
7.499%
7.499%
$3,355.90
No
 
$16,456.80
$1,371.40
$1,811.04
$150.92
$0.00
$0.00
$4,061.00
$8,939.22
$13,824.94
N/A
XXXX
 
$0.00
XXXX
 
42.87%
42.87%
42.87%
No
No
           
Self-Employed
Self-Employed
       
12 Month Bank Statement
0
0
NA
NA
N/A
0
N/A
0
0
0
0
0
0
0
NA
Yes
No
No
0
No
Yes
Yes
0
12
Yes
Yes
0
12
88.12%
50.00%
50.00%
 
N/A
0
N/A
N/A
N/A
0
NA
0
No
0
NA
0
0
N/A
NA
0
0
N/A
No
0
 
N/A
Borrower - SEPartnership, SEPartnership, SSI and Disability - Business Bank Statements Verified - 2024, 2025 || Co Borrower - SEPartnership, SEPartnership - Award Letter Verified, Business Bank Statements Verified - 2024, 2025
Borrower - 2024, 2025 || Co Borrower - 2024, 2025
XXXX
XXXX
CA
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
771
               
No
                                     
NA
XXXX
XXXX
0
XXXX
XXXX
XXXX
0
XXXX
XXXX
0
XXXX
XXXX
0
XXXX
0
0
0
0
0
0
0
0
0
0
0
Unknown
No
           
No
US Citizen
US Citizen
N/A
Real ID Driver's License
 
CA
United States of America (USA)
XXXX
XXXX
XXXX
N/A
XXXX
XXXX
US Citizen
US Citizen
N/A
Real ID Driver's License
 
CA
XXXX
XXXX
XXXX
XXXX
N/A
XXXX
XXXX
           
XXXX
XXXX
XXXX
XXXX
 
XXXX
XXXX
           
XXXX
XXXX
 
XXXX
 
XXXX
XXXX
Fee Simple
XXXX
No
No
N/A
.00
0.0
276584.39
30.9
No
XX.XX
N/A
No
No
No
Borrower As Individual
Borrower As Individual
N/A
N/A
XXXX
XXXX