|
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
|