Client Name:
     
Client Project Name:
SEMT 2026-9
   
Start - End Dates:
2/5/2026 - 6/17/2026
 
Deal Loan Count:
236
   
       
ATR QM Upload
     
       
Loans in Report:
236
   

Loan Number
Deal
Seller Loan Number
Original Principal Balance
State
Loan Level ATR/QM Status
Verification Safe Harbor (VSH)?
Lender Provided ATR/QM Worksheet
Initial Lender ATR/QM Status
Application Date
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
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 Paystub Flag
Borrower 1 Paystub Number of Months
Borrower 2 Paystub Flag
Borrower 2 Paystub Number of Months
Borrower 3 Paystub Flag
Borrower 3 Paystub Number of Months
Borrower 4 Paystub Flag
Borrower 4 Paystub Number of Months
Borrower 1 W2 Flag
Borrower 1 W2 Number of Months
Borrower 2 W2 Flag
Borrower 2 W2 Number of Months
Borrower 3 W2 Flag
Borrower 3 W2 Number of Months
Borrower 4 W2 Flag
Borrower 4 W2 Number of Months
Borrower 1 Personal Tax Return Flag
Borrower 1 Personal Tax Return Number of Months
Borrower 2 Personal Tax Return Flag
Borrower 2 Personal Tax Return Number of Months
Borrower 3 Personal Tax Return Flag
Borrower 3 Personal Tax Return Number of Months
Borrower 4 Personal Tax Return Flag
Borrower 4 Personal Tax Return Number of Months
Borrower 1 Business Tax Return Flag
Borrower 1 Business Tax Return Number of Months
Borrower 2 Business Tax Return Flag
Borrower 2 Business Tax Return Number of Months
Borrower 3 Business Tax Return Flag
Borrower 3 Business Tax Return Number of Months
Borrower 4 Business Tax Return Flag
Borrower 4 Business Tax Return Number of Months
Borrower 1 Verbal VOE Flag
Borrower 1 Verbal VOE Number of Months
Borrower 2 Verbal VOE Flag
Borrower 2 Verbal VOE Number of Months
Borrower 3 Verbal VOE Flag
Borrower 3 Verbal VOE Number of Months
Borrower 4 Verbal VOE Flag
Borrower 4 Verbal VOE Number of Months
Borrower 1 Written VOE Flag
Borrower 1 Written VOE Form
Borrower 1 Written VOE Number of Months
Borrower 2 Written VOE Flag
Borrower 2 Written VOE Form
Borrower 2 Written VOE Number of Months
Borrower 3 Written VOE Flag
Borrower 3 Written VOE Form
Borrower 3 Written VOE Number of Months
Borrower 4 Written VOE Flag
Borrower 4 Written VOE Form
Borrower 4 Written VOE Number of Months
Borrower 1 P&L Flag
Borrower 1 P&L Prepared By
Borrower 1 P&L Number of Months
Borrower 2 P&L Flag
Borrower 2 P&L Prepared By
Borrower 2 P&L Number of Months
Borrower 3 P&L Flag
Borrower 3 P&L Prepared By
Borrower 3 P&L Number of Months
Borrower 4 P&L Flag
Borrower 4 P&L Prepared By
Borrower 4 P&L Number of Months
Borrower 1 Lease Agreement Flag
Borrower 1 Lease Agreement Number of Months
Borrower 2 Lease Agreement Flag
Borrower 2 Lease Agreement Number of Months
Borrower 3 Lease Agreement Flag
Borrower 3 Lease Agreement Number of Months
Borrower 4 Lease Agreement Flag
Borrower 4 Lease Agreement Number of Months
Equity Income Flag
Equity Income Amount
Equity Income Number of Months
Cross Collateralized Loan?
Is the Loan a Short-Term Rental?
DSCR with Rent Schedule Flag
DSCR with Rent Schedule Income Amount
DSCR with Lease Agreement Flag
DSCR with Lease Agreement Income Amount
DSCR %
DSCR Method Used
Borrower 1 CPA Letter with Income Flag
Borrower 1 CPA Letter with Income Number of Months
Borrower 1 CPA Letter without Income Flag
Borrower 1 CPA Letter without Income Number of Months
Borrower 2 CPA Letter with Income Flag
Borrower 2 CPA Letter with Income Number of Months
Borrower 2 CPA Letter without Income Flag
Borrower 2 CPA Letter without Income Number of Months
Borrower 3 CPA Letter with Income Flag
Borrower 3 CPA Letter with Income Number of Months
Borrower 3 CPA Letter without Income Flag
Borrower 3 CPA Letter without Income Number of Months
Borrower 4 CPA Letter with Income Flag
Borrower 4 CPA Letter with Income Number of Months
Borrower 4 CPA Letter without Income Flag
Borrower 4 CPA Letter without Income Number of Months
Borrower 1 Personal Bank Statements Flag
Borrower 1 Personal Bank Statements Number of Months
Borrower 2 Personal Bank Statements Flag
Borrower 2 Personal Bank Statements Number of Months
Borrower 3 Personal Bank Statements Flag
Borrower 3 Personal Bank Statements Number of Months
Borrower 4 Personal Bank Statements Flag
Borrower 4 Personal Bank Statements Number of Months
Borrower 1 Business Bank Statements Flag
Borrower 1 Business Bank Statements Number of Months
Borrower 2 Business Bank Statements Flag
Borrower 2 Business Bank Statements Number of Months
Borrower 3 Business Bank Statements Flag
Borrower 3 Business Bank Statements Number of Months
Borrower 4 Business Bank Statements Flag
Borrower 4 Business Bank Statements Number of Months
Borrower 1 Award Letter Flag
Borrower 1 Award Letter Number of Months
Borrower 2 Award Letter Flag
Borrower 2 Award Letter Number of Months
Borrower 3 Award Letter Flag
Borrower 3 Award Letter Number of Months
Borrower 4 Award Letter Flag
Borrower 4 Award Letter Number of Months
Borrower 1 Offer Letter Flag
Borrower 1 Offer Letter Number of Months
Borrower 2 Offer Letter Flag
Borrower 2 Offer Letter Number of Months
Borrower 3 Offer Letter Flag
Borrower 3 Offer Letter Number of Months
Borrower 4 Offer Letter Flag
Borrower 4 Offer Letter Number of Months
Borrower 1 IRS Transcripts - Tax Returns Flag
Borrower 1 IRS Transcripts - Tax Returns Number of Months
Borrower 1 IRS Transcripts - W2s Flag
Borrower 1 IRS Transcripts - W2s Number of Months
Borrower 2 IRS Transcripts - Tax Returns Flag
Borrower 2 IRS Transcripts - Tax Returns Number of Months
Borrower 2 IRS Transcripts - W2s Flag
Borrower 2 IRS Transcripts - W2s Number of Months
Borrower 3 IRS Transcripts - Tax Returns Flag
Borrower 3 IRS Transcripts - Tax Returns Number of Months
Borrower 3 IRS Transcripts - W2s Flag
Borrower 3 IRS Transcripts - W2s Number of Months
Borrower 4 IRS Transcripts - Tax Returns Flag
Borrower 4 IRS Transcripts - Tax Returns Number of Months
Borrower 4 IRS Transcripts - W2s Flag
Borrower 4 IRS Transcripts - W2s Number of Months
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 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
409037631
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
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
6.1796
No
No
0.531
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
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
48.48
46.56
48.48
46.56
46.56
46.56
Yes
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
Yes
26
No
(No Data)
No
(No Data)
Yes
12
Yes
36
No
(No Data)
No
(No Data)
Yes
36
Yes
36
No
(No Data)
No
(No Data)
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
36
No
(No Data)
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 36 months;
IRS Transcripts – Tax Return(s) - 36 months;
Personal Tax Return - 36 months;
W2 - 12 months
IRS Transcripts – Tax Return(s) - 36 months;
Paystub - 26 months;
Personal Tax Return - 36 months;
W2 - 36 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409037767
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
Exempt
1
5.9825
No
No
0.259
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)
49
49.65
49
49.65
49.65
49.65
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
36
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 36 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409038570
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Low Rise Condo (1-4)
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1480
Yes
Yes
0.123
0.123
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)
37.26
37.26
37.26
37.26
37.26
37.26
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(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)
409038582
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.7697
No
No
0.167
0.167
No
No
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)
46.9
46.9
46.9
46.9
46.9
46.9
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
12
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
P & L Only - 12 months;
Personal Tax Return - 24 months
Paystub - 1 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409038921
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.0492
No
No
0.563
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)
43.62
43.36
43.62
43.36
43.36
43.36
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(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)
409039208
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3142
Yes
Yes
0.559
0.559
(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)
41.31
39.22
41.31
39.22
39.22
39.22
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
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)
409039562
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
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
6.1384
Yes
Yes
0.051
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)
22.2
22.13
22.2
22.13
22.13
22.13
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months
Paystub - 1 months;
W2 - 36 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409039571
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
5.7654
Yes
Yes
0.135
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)
41.62
41.62
41.62
41.62
41.62
41.62
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409039583
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
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
6.1537
No
No
0.274
0.274
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)
49.85
49.85
49.85
49.85
49.85
49.85
Yes
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
Yes
12
Yes
24
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
12
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
CPA
11
Yes
CPA
11
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 11 months;
Personal Tax Return - 24 months;
W2 - 12 months
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 11 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409039784
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
5.9082
Yes
Yes
0.085
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)
13.34
13.34
13.34
13.34
13.34
13.34
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409039800
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Exempt
1
6.1291
No
No
0
0.000
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
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
47.12
47.01
47.12
47.01
47.01
47.01
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Other
12
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 12 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 12 months;
Written VOE - 24 months
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 12 months;
P & L - 12 months;
Personal Tax Return - 12 months;
W2 - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409039801
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
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
6.1435
Yes
Yes
0.109
0.000
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
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
19.02
19.02
19.02
19.02
19.02
19.02
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 24 months;
W2 - 24 months
Paystub - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409039803
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
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
6.5049
Yes
Yes
0
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)
35.61
36.02
35.61
36.02
36.02
36.02
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
Yes
10
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
36
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
36
No
(No Data)
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 36 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 36 months
IRS Transcripts – Tax Return(s) - 36 months;
Paystub - 10 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409040043
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
SFR
XXXXX
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
5.7683
Yes
Yes
0.177
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)
36.78
37.49
36.78
37.49
37.49
37.49
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
25
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Other
12
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 12 months;
Personal Tax Return - 24 months
W2 - 24 months;
Written VOE - 25 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409040209
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Second Home
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
5.6495
Yes
Yes
0.112
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)
19.63
19.62
19.63
19.62
19.62
19.62
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409040239
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1513
Yes
Yes
0.18
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)
41.24
41.24
41.24
41.24
41.24
41.24
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
25
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 25 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409040370
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR-Attached
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.0066
Yes
Yes
0.052
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)
41.32
41.65
41.32
41.65
41.65
41.65
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409040405
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
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
5.7721
Yes
Yes
0.168
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)
38.88
38.88
38.88
38.88
38.88
38.88
No
No
(No Data)
XXXXX
Yes
360
No
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
36
No
(No Data)
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Award Letter - 12 months;
IRS Transcripts – Tax Return(s) - 36 months;
Personal Tax Return - 24 months
Award Letter - 12 months;
IRS Transcripts – Tax Return(s) - 36 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409040476
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
5.7675
Yes
Yes
0.073
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)
17.66
16.85
17.66
16.85
16.85
16.85
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – W2(s) - 36 months;
Paystub - 1 months;
W2 - 36 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409040611
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1414
Yes
Yes
0.134
0.129
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)
15.1
15.1
15.1
15.1
15.1
15.1
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 36 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409040847
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1384
Yes
Yes
0.073
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)
32.04
31.81
32.04
31.81
31.81
31.81
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 12 months;
IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409040856
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
Non-Permanent Resident Alien
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.0330
Yes
Yes
0.118
0.118
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)
27.05
27.04
27.05
27.04
27.04
27.04
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
Work Visa
(No Data)
(No Data)
(No Data)
409040896
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1388
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
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
37.99
37.43
37.99
37.43
37.43
37.43
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
25
Yes
Independent Third Party (The Work Number, Equifax etc)
25
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 25 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 25 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409040899
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3930
Yes
Yes
0.126
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)
40
40.34
40
40.34
40.34
40.34
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
25
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 12 months;
Paystub - 1 months;
Written VOE - 25 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409040950
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
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
6.2576
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)
25.5
25.51
25.5
25.51
25.51
25.51
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
12
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 12 months;
Written VOE - 12 months
Paystub - 1 months;
W2 - 12 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409040957
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
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
6.1450
Yes
Yes
0.228
0.228
(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)
29.71
29.52
29.71
29.52
29.52
29.52
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
IRS Transcripts – W2(s) - 12 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409040965
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
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
6.1504
No
No
0.1
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)
49.98
48.49
49.98
48.49
48.49
48.49
Yes
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
12
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 12 months;
Personal Tax Return - 24 months;
W2 - 36 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409041028
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
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
5.8951
Yes
Yes
0.139
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)
42.54
42.37
42.54
42.37
42.37
42.37
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
2
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
46
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 12 months;
Paystub - 2 months;
Written VOE - 46 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409041122
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
5.7709
Yes
Yes
0.111
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)
25.52
25.61
25.52
25.61
25.61
25.61
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
Business Tax Return - 24 months;
Personal Tax Return - 24 months;
W2 - 36 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409041156
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
Permanent Resident Alien
(No Data)
(No Data)
Primary
SFR
XXXXX
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
5.5829
Yes
Yes
0.181
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)
36.89
36.89
36.89
36.89
36.89
36.89
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Green Card
(No Data)
(No Data)
(No Data)
409041489
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
Permanent Resident Alien
(No Data)
Second Home
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.7738
Yes
Yes
0.081
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)
38.25
38.26
38.25
38.26
38.26
38.26
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 12 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)
Unknown
(No Data)
(No Data)
409041527
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.0337
Yes
Yes
0.154
0.154
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)
37.47
37.67
37.47
37.67
37.67
37.67
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
2
Yes
2
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
25
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – W2(s) - 24 months;
Paystub - 2 months;
W2 - 12 months;
Written VOE - 25 months
IRS Transcripts – W2(s) - 24 months;
Paystub - 2 months;
W2 - 12 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409041572
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
Permanent Resident Alien
(No Data)
Primary
SFR-Attached
XXXXX
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
5.9125
Yes
Yes
0.057
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)
22.58
22.71
22.58
22.71
22.71
22.71
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
23
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Written VOE - 23 months
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
Green Card
(No Data)
(No Data)
409041645
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
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
6.0165
Yes
Yes
0.456
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)
21.64
21.64
21.64
21.64
21.64
21.64
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(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)
409041724
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1417
Yes
Yes
0.115
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)
40.57
40.57
40.57
40.57
40.57
40.57
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409041830
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
5.6419
No
Yes
0.046
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)
42.03
43.94
42.03
43.94
43.94
43.94
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
25
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
25
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 25 months;
W2 - 24 months;
Written VOE - 25 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409041844
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1991
Yes
Yes
0.247
0.247
(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
42.92
42.92
42.92
42.92
42.92
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
12
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 12 months;
P & L Only - 12 months;
Personal Tax Return - 12 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409041845
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
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
5.7736
No
No
0.215
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
No
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
49.95
49.24
49.95
49.24
49.24
49.24
Yes
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 12 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409041880
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
Yes
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
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
6.6252
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)
48.66
48.42
48.66
48.42
48.42
48.42
Yes
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
Yes
24
Yes
24
Yes
24
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
35
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
24
Business Tax Return - 24 months;
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 - 24 months;
Written VOE - 35 months
Award Letter - 12 months;
IRS Transcripts – W2(s) - 24 months;
Personal Tax Return - 24 months
1099 - 24 months;
Award Letter - 12 months;
IRS Transcripts – W2(s) - 24 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
409041999
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
5.8057
Yes
No
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)
44.23
40.13
44.23
40.13
40.13
40.13
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
12
Yes
Borrower
12
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 12 months;
Personal Tax Return - 24 months;
W2 - 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)
409042012
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
Non-Permanent Resident Alien
U.S. Citizen
(No Data)
Primary
SFR-Attached
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1313
Yes
Yes
0.047
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)
30.35
30.52
30.35
30.52
30.52
30.52
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
13
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 13 months;
W2 - 24 months;
Written VOE - 24 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
Work Visa
(No Data)
(No Data)
(No Data)
409042056
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.0123
Yes
Yes
0.087
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
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
31.11
31.06
31.11
31.06
31.06
31.06
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
12
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409042084
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
5.7998
Yes
Yes
0.037
0.037
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)
37.49
37.49
37.49
37.49
37.49
37.49
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 24 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409042111
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.3903
No
No
0.168
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)
49.33
49.33
49.33
49.33
49.33
49.33
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
16
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Offer Letter - 12 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 16 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409042397
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
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
6.1721
Yes
Yes
0.327
0.298
(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)
37.15
38.66
37.15
38.66
38.66
38.66
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
Yes
1
No
(No Data)
Yes
24
Yes
24
Yes
24
No
(No Data)
Yes
36
Yes
36
Yes
24
No
(No Data)
Yes
36
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
27
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
36
No
(No Data)
Yes
36
No
(No Data)
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 36 months;
IRS Transcripts – Tax Return(s) - 36 months;
Paystub - 1 months;
Personal Tax Return - 36 months;
W2 - 24 months;
Written VOE - 27 months
IRS Transcripts – Tax Return(s) - 36 months;
Paystub - 1 months;
Personal Tax Return - 36 months;
W2 - 24 months;
Written VOE - 24 months
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 36 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409042468
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
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
5.8835
Yes
Yes
0.046
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
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 12 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409042494
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
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
6.1985
Yes
Yes
0.222
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
42.43
41
42.43
42.43
42.43
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
No
(No Data)
No
(No Data)
Yes
1
Yes
1
No
(No Data)
Yes
1
Yes
24
Yes
24
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
24
Yes
FMNA 1005
36
No
(No Data)
(No Data)
Yes
FMNA 1005
36
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 36 months
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 36 months
(No Data)
(No Data)
(No Data)
(No Data)
409042505
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.4194
No
No
0.325
0.337
(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)
45.7
45.7
45.7
45.7
45.7
45.7
Yes
Yes
Yes
XXXXX
Yes
360
Yes
Yes
No
XXXXX
No
XXXXX
No
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 12 months;
Personal Tax Return - 12 months
Paystub - 24 months;
W2 - 24 months;
Written VOE - 24 months
Award Letter - 12 months;
Personal Bank Statement for Retirement Income - 24 months
Award Letter - 12 months;
Personal Bank Statement for Retirement Income - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
409042605
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1499
Yes
Yes
0.141
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)
29.86
29.86
29.86
29.86
29.86
29.86
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
14
Yes
Independent Third Party (The Work Number, Equifax etc)
26
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
W2 - 12 months;
Written VOE - 14 months
IRS Transcripts – Tax Return(s) - 12 months;
Personal Tax Return - 12 months;
Written VOE - 26 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409042610
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
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
5.8896
Yes
Yes
0.128
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)
23.08
22.89
23.08
22.89
22.89
22.89
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
25
No
(No Data)
No
(No Data)
No
(No Data)
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 25 months;
Personal Tax Return - 24 months;
W2 - 36 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409042659
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Attached PUD
XXXXX
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
5.9167
Yes
Yes
0.047
0.047
(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)
41.92
35.64
41.92
35.64
35.64
35.64
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
Yes
2
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
36
No
(No Data)
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 36 months;
Personal Tax Return - 24 months
IRS Transcripts – Tax Return(s) - 36 months;
Paystub - 2 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409042666
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.4011
Yes
Yes
0.179
0.100
(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)
40.11
38.17
40.11
38.17
38.17
38.17
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
14
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
Yes
24
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
12
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
12
Yes
CPA
12
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 12 months;
P & L - 12 months;
Paystub - 14 months;
Personal Tax Return - 12 months;
W2 - 12 months;
Written VOE - 12 months
Business Tax Return - 12 months;
CPA Letter without Income - 1 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)
409042713
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
5.9109
Yes
Yes
0.12
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
39.89
40
39.89
39.89
39.89
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
25
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
Written VOE - 25 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409042725
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.0230
Yes
Yes
0.105
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)
39.76
39.76
39.76
39.76
39.76
39.76
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
Yes
36
Yes
24
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
36
No
(No Data)
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 36 months;
IRS Transcripts – Tax Return(s) - 36 months;
Personal Tax Return - 24 months;
W2 - 36 months
IRS Transcripts – Tax Return(s) - 36 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409042777
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
5.7893
Yes
Yes
0.057
0.057
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)
42.98
42.98
42.98
42.98
42.98
42.98
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
25
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months
Paystub - 24 months;
Written VOE - 25 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409042778
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
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
6.5158
Yes
Yes
0.128
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)
18.46
18.46
18.46
18.46
18.46
18.46
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
26
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 26 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409042820
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
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
5.6514
Yes
Yes
0.104
0.104
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)
27.74
27.74
27.74
27.74
27.74
27.74
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Written VOE - 24 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409042829
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.0232
Yes
Yes
0.152
0.152
(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)
38.41
38.41
38.41
38.41
38.41
38.41
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409042879
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
Detached PUD
XXXXX
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
5.9131
No
No
0.328
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)
47.08
43.36
47.8
43.36
43.36
43.36
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
36
No
(No Data)
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 36 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 12 months
Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 36 months;
Personal Tax Return - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409042898
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.0226
Yes
Yes
0.165
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)
35.94
36.89
35.94
36.89
36.89
36.89
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
26
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 26 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409043024
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
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
6.1418
Yes
Yes
0.057
0.057
(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)
39.27
39.27
39.27
39.27
39.27
39.27
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
25
Yes
Independent Third Party (The Work Number, Equifax etc)
26
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 25 months
Paystub - 1 months;
Written VOE - 26 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409043028
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
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
6.1468
Yes
Yes
0.15
0.150
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)
31.94
31.94
31.94
31.94
31.94
31.94
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
24
Yes
FMNA 1005
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Personal Tax Return - 24 months;
Written VOE - 24 months
Paystub - 24 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409043107
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.0412
Yes
Yes
0.275
0.275
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)
34.96
35.88
34.96
35.88
35.88
35.88
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(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)
409043133
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.5564
No
No
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)
48.92
48.91
48.92
48.91
48.91
48.91
Yes
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
26
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
25
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Offer Letter - 1 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 25 months
Paystub - 26 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409043163
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.8945
Yes
Yes
0.123
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)
2.82
2.65
2.82
2.65
2.65
2.65
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
26
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 26 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409043188
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1673
Yes
Yes
0.22
0.220
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)
31.19
30.84
31.19
30.84
30.84
30.84
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(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)
409043247
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
5.7645
Yes
Yes
0.161
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
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
38.33
37.67
38.33
37.67
37.67
37.67
No
No
(No Data)
XXXXX
No
360
Yes
Yes
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months
Award Letter - 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)
409043259
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
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
6.5251
Yes
Yes
0.171
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
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
39.61
39.61
39.61
39.61
39.61
39.61
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409043347
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
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
6.1423
No
No
0.054
0.054
No
No
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)
46.97
46.97
46.97
46.97
46.97
46.97
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Award Letter - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409043363
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.3034
No
No
0.211
0.203
Yes
No
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)
45.9
45.55
45.9
45.55
45.55
45.55
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
0
No
(No Data)
No
(No Data)
No
(No Data)
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 0 months;
Personal Tax Return - 24 months;
W2 - 36 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409043368
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
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
6.0273
Yes
Yes
0.167
0.167
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)
31.87
31.87
31.87
31.87
31.87
31.87
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409043372
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
5.8154
Yes
Yes
0.121
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)
37.28
37.28
37.28
37.28
37.28
37.28
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409043379
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
5.8907
Yes
Yes
0.091
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)
32.89
32.89
32.89
32.89
32.89
32.89
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
W2 - 24 months
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409043440
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Second Home
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.5552
Yes
Yes
0.504
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)
29.25
29.18
29.25
29.18
29.18
29.18
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
Verbal VOE with Income - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409043443
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.6585
No
No
0.162
1.290
No
No
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)
47.44
47.44
47.44
47.44
47.44
47.44
Yes
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
10
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 10 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409043481
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.1414
No
No
0.087
1.487
(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)
49.14
49.99
49.14
49.99
49.99
49.99
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Other
12
Yes
Other
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
P & L - 12 months;
Personal Tax Return - 24 months;
W2 - 24 months
Business Tax Return - 24 months;
P & L - 24 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409043568
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.3900
No
No
0.113
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
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
47.01
47.28
47.01
47.28
47.28
47.28
Yes
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
25
No
(No Data)
No
(No Data)
No
(No Data)
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
34
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
36
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 36 months;
IRS Transcripts – W2(s) - 12 months;
Paystub - 25 months;
Personal Tax Return - 24 months;
W2 - 36 months;
Written VOE - 34 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409043851
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
5.8109
Yes
Yes
0.256
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)
35.88
35.88
35.88
35.88
35.88
35.88
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(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)
(No Data)
(No Data)
(No Data)
(No Data)
409044140
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.2634
No
No
0.091
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
Yes
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
46.94
46.95
46.94
46.95
46.95
46.95
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
24
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(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)
(No Data)
(No Data)
(No Data)
(No Data)
409044146
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Site Condo
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.2331
No
No
1.016
1.016
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)
48.4
48.4
48.4
48.4
48.4
48.4
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
14
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 14 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409044177
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
5.9147
Yes
Yes
0.163
0.146
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)
42.31
42.31
42.31
42.31
42.31
42.31
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409044324
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
Non-Permanent Resident Alien
(No Data)
Primary
SFR
XXXXX
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
6.5360
Yes
Yes
0.214
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)
34.82
34.77
34.82
34.77
34.77
34.77
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
Work Visa
(No Data)
(No Data)
409044365
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
5.9801
No
No
0.369
0.369
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)
47.24
45.78
47.24
45.78
45.78
45.78
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
2
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 2 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409044379
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
5.8872
No
No
0.233
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)
44.81
44.46
44.81
44.46
44.46
44.46
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 24 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409044396
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
7.0923
Yes
Yes
2.214
2.214
(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)
25.73
26.6
25.73
26.6
26.6
26.6
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 36 months;
IRS Transcripts – Tax Return(s) - 36 months;
Paystub - 1 months;
Personal Tax Return - 36 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409044592
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.8593
No
No
2.337
2.205
No
No
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)
48.18
47.87
48.18
47.87
47.87
47.87
Yes
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
28
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 28 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409044634
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.4084
No
No
0.13
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)
49.83
49.84
49.83
49.84
49.84
49.84
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 12 months;
Personal Tax Return - 12 months;
W2 - 12 months
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)
409044635
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Not Provided
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1910
Yes
Yes
0.5
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)
32
32
32
32
32
32
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
26
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
3
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Offer Letter - 1 months;
Paystub - 26 months;
W2 - 24 months;
Written VOE - 3 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409044695
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.8219
Yes
Yes
2.537
2.537
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)
37.2
37.2
37.2
37.2
37.2
37.2
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
13
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 13 months;
W2 - 24 months
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409045027
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.3480
No
No
0.07
0.070
(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)
45.43
45.19
45.43
45.19
45.19
45.19
Yes
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
10
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 10 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409045029
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
5.9154
No
No
0.228
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)
46.92
46.92
46.92
46.92
46.92
46.92
Yes
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(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)
409045037
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.6761
No
No
0.139
0.139
No
No
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)
49.08
49.09
49.08
49.09
49.09
49.09
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409045153
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Attached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1684
Yes
Yes
0.142
0.142
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)
42.94
42.89
42.94
42.89
42.89
42.89
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 12 months;
Personal Bank Statement for Retirement Income - 2 months;
Personal Tax Return - 12 months;
W2 - 12 months
Personal Bank Statement for Retirement Income - 2 months;
Personal Tax Return - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409045231
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
5.9847
No
No
0.045
0.045
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)
44.74
44.74
44.74
44.74
44.74
44.74
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Offer Letter - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409045264
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Exempt
1
6.4608
No
No
0.144
1.998
No
Yes
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)
49.87
49.4
49.87
49.4
49.4
49.4
Yes
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
27
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months;
Written VOE - 27 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409045282
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3883
Yes
Yes
0.098
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)
16.41
16.25
16.41
16.25
16.25
16.25
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409045283
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.7697
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
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
19.81
18.12
19.81
18.12
18.12
18.12
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
15
Yes
Borrower
15
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 12 months;
P & L - 15 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 12 months
Business Tax Return - 12 months;
P & L - 15 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409045286
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3460
Yes
Yes
0.91
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)
34.67
35.89
34.67
35.89
35.89
35.89
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
26
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
26
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 26 months;
Written VOE - 26 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409045416
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.3836
No
No
0.162
1.345
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)
48.79
48.79
48.79
48.79
48.79
48.79
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
15
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 12 months;
P & L - 15 months;
Personal Tax Return - 12 months;
W2 - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409045471
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.2366
No
No
0.134
0.134
No
No
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)
45.74
46.6
45.74
46.6
46.6
46.6
Yes
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Award Letter - 1 months;
Personal Bank Statement for Retirement Income - 4 months
Award Letter - 1 months;
Personal Bank Statement for Retirement Income - 4 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409045476
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.2190
No
No
1.006
1.006
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)
47.37
45.32
47.37
45.32
45.32
45.32
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(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;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409045517
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
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
6.3827
No
No
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
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
46.32
46.13
47.37
46.13
46.13
46.13
Yes
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
2
Yes
2
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
26
Yes
Independent Third Party (The Work Number, Equifax etc)
6
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 2 months;
Written VOE - 26 months
Paystub - 2 months;
W2 - 12 months;
Written VOE - 6 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409045589
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2479
Yes
Yes
0.591
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)
32.64
31.45
32.64
31.45
31.45
31.45
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409045713
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
Yes
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.9166
No
No
0.202
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)
49.66
49.91
49.66
49.91
49.91
49.91
Yes
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Lease Agreement - 12 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409045996
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
Non-Permanent Resident Alien
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.9986
Yes
Yes
1.167
1.167
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)
34.59
34.59
34.59
34.59
34.59
34.59
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
14
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 14 months;
Personal Tax Return - 24 months;
W2 - 36 months
(No Data)
(No Data)
(No Data)
Employment Authorization Document
(No Data)
(No Data)
(No Data)
409046010
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
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
6.4033
No
No
0.171
0.171
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)
46.94
46.94
46.94
46.94
46.94
46.94
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
36
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 36 months
Offer Letter - 1 months;
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409046015
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3969
Yes
Yes
0.077
0.077
(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
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.71
42.71
42.71
42.71
42.71
42.71
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
25
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 25 months;
W2 - 24 months
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409046032
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
5.8983
No
No
0.204
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
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
47.6
48.37
47.6
48.37
48.37
48.37
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409046034
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3938
Yes
Yes
0.117
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)
42.44
39.4
42.44
39.4
39.4
39.4
No
No
(No Data)
XXXXX
Yes
360
No
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
26
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Personal Bank Statement for Retirement Income - 1 months;
W2 - 12 months;
Written VOE - 26 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409046041
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.6536
Yes
Yes
0.127
0.125
(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)
33.59
33.59
33.59
33.59
33.59
33.59
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
27
Yes
Independent Third Party (The Work Number, Equifax etc)
27
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 27 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 27 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409046051
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.5932
No
No
0.759
0.881
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)
45.83
45.83
45.83
45.83
45.83
45.83
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Offer Letter - 12 months;
Paystub - 1 months;
W2 - 24 months
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409046200
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
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
6.1604
Yes
Yes
0.336
0.336
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)
36.8
37.16
36.8
37.16
37.16
37.16
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months
Offer Letter - 12 months;
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409046203
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
5.9746
No
No
0.133
0.133
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)
46.33
46.25
46.33
46.25
46.25
46.25
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
2
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 12 months;
P & L - 2 months;
Personal Tax Return - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409046205
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.1102
No
No
0.086
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)
49.14
49.14
49.14
49.14
49.14
49.14
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 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)
409046219
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
Permanent Resident Alien
(No Data)
Primary
Low Rise Condo (1-4)
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1771
Yes
Yes
0.445
0.382
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)
36.73
36.73
36.73
36.73
36.73
36.73
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
Green Card
(No Data)
(No Data)
409046237
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.9746
No
No
0.139
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)
47.72
48.89
47.72
48.89
48.89
48.89
Yes
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
20
Yes
11
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
26
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 20 months;
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 26 months
Business Tax Return - 11 months;
Lease Agreement - 12 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409046244
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.5521
Yes
Yes
0.203
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
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
39.8
39.8
39.8
39.8
39.8
39.8
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
27
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Offer Letter - 12 months;
Paystub - 1 months;
W2 - 12 months
Paystub - 1 months;
W2 - 12 months;
Written VOE - 27 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409046248
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.8890
Yes
Yes
0
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)
23.85
23.85
23.85
23.85
23.85
23.85
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
27
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 27 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409046901
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.9107
Yes
Yes
0.183
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)
39.06
39.1
39.06
39.1
39.1
39.1
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
12
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(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 - 36 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409047498
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.5235
Yes
Yes
1.332
0.006
(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
23.76
28
23.76
23.76
23.76
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
36
Yes
24
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
3
Yes
Borrower
3
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 3 months;
Personal Tax Return - 24 months;
W2 - 36 months
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 3 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409047543
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2766
Yes
Yes
0.055
0.055
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)
29.31
29.31
29.31
29.31
29.31
29.31
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
2
Yes
1
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
15
Yes
Independent Third Party (The Work Number, Equifax etc)
15
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 2 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 15 months
Paystub - 1 months;
Personal Tax Return - 24 months;
Written VOE - 15 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409047545
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.2753
No
No
0.177
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)
45.1
44.69
45.1
44.69
44.69
44.69
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
2
Yes
1
No
(No Data)
No
(No Data)
Yes
12
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 2 months;
W2 - 12 months
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409047561
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.5061
Yes
Yes
0.122
0.122
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)
38.65
38.65
38.65
38.65
38.65
38.65
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Award Letter - 12 months;
Personal Bank Statement for Retirement Income - 1 months
Award Letter - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409047581
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.4189
Yes
Yes
0.186
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)
32.1
31.97
32.1
31.97
31.97
31.97
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
27
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
9
Yes
Independent Third Party (The Work Number, Equifax etc)
27
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 27 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 9 months
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 27 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409047588
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Low Rise Condo (1-4)
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.6721
Yes
Yes
0.232
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)
26.21
27.69
26.21
27.69
27.69
27.69
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
1099 - 24 months;
Award Letter - 12 months
1099 - 12 months;
Award Letter - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409047601
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.4077
No
No
0.084
0.084
No
No
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)
46.15
46.34
46.15
46.34
46.34
46.34
Yes
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
26
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 26 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409047639
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.5194
Yes
Yes
0.148
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)
38.37
38.37
38.21
38.37
38.37
38.37
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
36
Yes
24
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
3
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 12 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 36 months
Business Tax Return - 12 months;
P & L - 3 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409047818
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
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
6.2636
Yes
Yes
0.046
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)
35.47
35.45
35.47
35.45
35.45
35.45
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
3
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 12 months;
P & L - 3 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months
Business Tax Return - 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)
409047878
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2718
Yes
Yes
0.17
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)
18
17.59
18
17.59
17.59
17.59
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409047936
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
7.1922
Yes
Yes
0.111
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)
28.01
26.58
28.01
26.58
26.58
26.58
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
27
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 27 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409047937
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.5004
Yes
Yes
0.213
0.213
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)
40.39
39.44
40.39
39.44
39.44
39.44
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
24
Yes
FMNA 1005
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
Paystub - 1 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409047961
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3278
Yes
Yes
0.148
0.000
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)
31.24
31.24
31.24
31.24
31.24
31.24
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(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)
409049438
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
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
6.1642
Yes
Yes
0.171
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)
30.51
33.95
30.51
33.95
33.95
33.95
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 12 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409049449
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.6723
No
No
0.1
0.100
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)
44.81
44.37
44.81
44.37
44.37
44.37
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
15
Yes
Borrower
15
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 12 months;
P & L - 15 months;
Personal Tax Return - 12 months
Business Tax Return - 12 months;
P & L - 15 months;
Personal Tax Return - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409049610
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.4604
No
No
0.176
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)
47.67
48.38
47.67
48.38
48.38
48.38
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
3
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 12 months;
P & L - 3 months;
Personal Tax Return - 12 months;
W2 - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409049709
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
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
6.3487
Yes
Yes
2.621
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)
25.84
25.84
25.84
25.84
25.84
25.84
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
2
Yes
2
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
27
Yes
Independent Third Party (The Work Number, Equifax etc)
27
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 2 months;
W2 - 24 months;
Written VOE - 27 months
Paystub - 2 months;
W2 - 24 months;
Written VOE - 27 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409049726
XXXXX
XXXXX
XXXXX
XXXXX
QM: Rebuttable Presumption (APOR)
No
Present
QM: Rebuttable Presumption (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
Yes
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
7.6539
Yes
Yes
0.16
0.160
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)
31.66
31.86
31.66
31.86
31.86
31.86
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409049877
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.1507
No
No
1.443
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
Yes
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
48.42
48.59
48.2
48.59
48.59
48.59
Yes
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
27
Yes
Independent Third Party (The Work Number, Equifax etc)
27
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 12 months;
Written VOE - 27 months
Paystub - 1 months;
Written VOE - 27 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409050040
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
7.2759
Yes
Yes
2.75
2.751
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)
32.39
30.42
32.39
30.42
30.42
30.42
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
3
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 3 months;
W2 - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409050060
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Exempt
1
6.5506
No
No
0.21
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
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
44.85
44.85
44.85
44.85
44.85
44.85
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
27
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 27 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409050062
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
7.3196
Yes
Yes
0.611
0.611
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)
32.41
32.34
32.41
32.34
32.34
32.34
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(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)
(No Data)
(No Data)
(No Data)
(No Data)
409050112
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
Exempt
1
6.4218
No
No
0.373
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)
49
49
49
49
49
49
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Personal Bank Statement for Retirement Income - 3 months
Personal Bank Statement for Retirement Income - 3 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409050299
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.0383
Yes
Yes
0.088
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)
18.62
12.44
18.62
12.44
12.44
12.44
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
Yes
3
No
(No Data)
No
(No Data)
Yes
3
Yes
24
No
(No Data)
No
(No Data)
Yes
36
Yes
36
No
(No Data)
No
(No Data)
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
36
No
(No Data)
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 36 months;
IRS Transcripts – Tax Return(s) - 36 months;
Personal Tax Return - 36 months;
W2 - 3 months
IRS Transcripts – Tax Return(s) - 36 months;
Paystub - 3 months;
Personal Tax Return - 36 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409050300
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.0148
Yes
Yes
0.109
0.137
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)
39.45
39.55
39.45
39.55
39.55
39.55
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Award Letter - 12 months;
Personal Bank Statement for Retirement Income - 1 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409050388
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.6566
Yes
Yes
0.197
0.000
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
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
29.06
29.06
29.06
29.06
29.06
29.06
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – W2(s) - 12 months;
Offer Letter - 12 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409050397
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3983
Yes
Yes
0.189
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)
27.09
27.09
27.09
27.09
27.09
27.09
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(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)
(No Data)
(No Data)
(No Data)
(No Data)
409050471
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
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
6.6943
Yes
No
0.673
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)
39.69
39.7
69.69
39.7
39.7
39.7
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 24 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409050580
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1339
Yes
Yes
0.198
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
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
21.13
18.52
21.13
18.52
18.52
18.52
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409050581
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.9213
Yes
Yes
0.144
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)
25.75
26.07
25.75
26.07
26.07
26.07
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
36
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
Personal Tax Return - 24 months
IRS Transcripts – Tax Return(s) - 36 months;
IRS Transcripts – W2(s) - 36 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409050664
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR-Attached
XXXXX
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
6.4019
No
No
0.39
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)
43.49
43.49
43.49
43.49
43.49
43.49
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
26
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – W2(s) - 24 months;
W2 - 12 months;
Written VOE - 26 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409050671
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.8996
Yes
Yes
0.14
0.140
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)
34.84
34.83
34.84
34.83
34.83
34.83
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
25
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 25 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409050674
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.4078
No
No
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)
43.86
43.16
43.86
43.16
43.16
43.16
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
27
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 24 months
IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 27 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409050698
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.9306
No
No
0.205
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)
47.21
47.06
47.21
47.06
47.06
47.06
No
Yes
Yes
XXXXX
Yes
360
No
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Award Letter - 1 months;
Personal Bank Statement for Retirement Income - 3 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409050701
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.1345
No
No
0.139
0.139
No
No
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)
48.22
48.22
48.22
48.22
48.22
48.22
Yes
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
28
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 28 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409050710
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
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
6.7748
No
No
0.136
0.136
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
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
46.33
46.24
46.33
46.24
46.24
46.24
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
26
Yes
FMNA 1005
27
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 26 months
IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 27 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409050763
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Low Rise Condo (1-4)
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.6547
No
No
1.321
1.321
(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)
44.97
44.97
44.97
44.97
44.97
44.97
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409050788
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.3994
No
No
0.209
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)
43.65
43.65
43.65
43.65
43.65
43.65
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
15
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 15 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409050789
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.7954
No
No
0.177
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)
49.08
47.86
49.08
47.86
47.86
47.86
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
13
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 13 months;
W2 - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409050791
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.7646
No
No
0.566
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)
49.36
49.36
49.36
49.36
49.36
49.36
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
24
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(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)
(No Data)
(No Data)
(No Data)
(No Data)
409050799
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.9284
Yes
Yes
1.768
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)
30.25
30.19
30.25
30.19
30.19
30.19
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
12
Yes
24
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 12 months
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409050801
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.5859
Yes
Yes
0.343
0.217
(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)
27.31
27.31
27.31
27.31
27.31
27.31
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
4
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
P & L Only - 4 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)
(No Data)
(No Data)
(No Data)
409050815
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.4537
No
No
0.178
1.750
No
No
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)
49.96
49.65
49.96
49.65
49.65
49.65
Yes
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(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
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409050829
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.7362
No
No
0.167
0.167
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)
47.67
46.4
47.67
46.4
46.4
46.4
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
Yes
FMNA 1005
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(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)
(No Data)
(No Data)
(No Data)
(No Data)
409050836
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Second Home
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.6522
Yes
Yes
0.184
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)
32.03
30.07
32.03
30.07
30.07
30.07
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
16
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 16 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409050892
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
Yes
Present
QM: Safe Harbor (APOR)
XXXXX
Permanent Resident Alien
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
7.1927
Yes
Yes
2.049
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)
27.03
27.06
27.03
27.06
27.06
27.06
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Green Card
(No Data)
(No Data)
(No Data)
409050894
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.7193
Yes
Yes
0.091
0.000
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)
16.36
16.36
16.36
16.36
16.36
16.36
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
12
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 12 months;
P & L - 12 months;
Personal Tax Return - 12 months
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)
409050936
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
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
5.9137
Yes
Yes
0.569
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)
24.15
24.31
24.15
24.31
24.31
24.31
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(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)
409050937
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Attached PUD
XXXXX
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
6.0663
Yes
Yes
0.412
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)
38.17
38.17
38.17
38.17
38.17
38.17
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
26
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
W2 - 24 months;
Written VOE - 26 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409050974
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2776
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
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
22.89
25.83
22.89
25.83
25.83
25.83
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 24 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409050975
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
2 Family
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.0190
Yes
Yes
0.176
0.176
(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)
35.16
34.8
35.16
34.8
34.8
34.8
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
25
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 25 months;
W2 - 24 months
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409050976
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2701
Yes
Yes
0.133
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)
28.45
27.37
28.45
27.37
27.37
27.37
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(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)
409050977
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2698
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)
28.86
28.86
28.86
28.86
28.86
28.86
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(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)
409050978
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.4190
Yes
Yes
0.211
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)
15.61
25.66
15.61
25.66
25.66
25.66
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
24
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
1
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 24 months;
W2 - 24 months;
Written VOE - 1 months
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409050979
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2941
Yes
Yes
0.27
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)
31.27
30.71
31.27
30.71
30.71
30.71
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
13
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
37
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 13 months;
W2 - 24 months
Written VOE - 37 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409050980
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.6687
Yes
Yes
0.203
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)
35.71
35.71
35.71
35.71
35.71
35.71
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
3
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 3 months
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409050981
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1547
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
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
40.36
42.18
40.36
42.18
42.18
42.18
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409050982
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
Permanent Resident Alien
(No Data)
Primary
Low Rise Condo (1-4)
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1453
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
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
27.05
27.05
27.05
27.05
27.05
27.05
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Written VOE - 24 months
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Green Card
(No Data)
(No Data)
409051119
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.9068
No
No
0.166
0.255
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)
47.93
46.96
47.93
46.96
46.96
46.96
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(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)
409051122
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3872
Yes
Yes
0.562
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)
18.59
18.57
18.59
18.57
18.57
18.57
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
28
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 28 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409051162
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.9147
No
No
1.681
0.204
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)
44.28
44.28
44.28
44.28
44.28
44.28
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
15
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
1099 - 12 months;
Award Letter - 12 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 15 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409051230
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Second Home
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.6601
No
No
0.192
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)
49.82
48.14
49.82
48.14
48.14
48.14
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
12
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Award Letter - 1 months;
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 12 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)
409051237
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
7.0327
Yes
Yes
1.073
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)
21.08
21.08
21.08
21.08
21.08
21.08
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409051279
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
5.7838
Yes
Yes
0.906
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)
36.5
37.55
36.5
37.55
37.55
37.55
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
Yes
12
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
CPA
15
Yes
Borrower
16
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 12 months;
P & L - 15 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 12 months;
P & L - 16 months;
Personal Tax Return - 12 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409051283
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1069
Yes
Yes
0.102
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)
24.82
24
24.82
24
24
24
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
15
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L Only - 15 months;
Personal Tax Return - 24 months;
W2 - 36 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409051469
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2783
Yes
Yes
0.161
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)
38.15
37.21
38.15
37.21
37.21
37.21
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
Yes
12
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
3
Yes
Borrower
3
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 3 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 - 3 months;
Personal Tax Return - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409051477
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.3845
Yes
Yes
1.207
1.207
(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)
26.15
26.16
26.15
26.16
26.16
26.16
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
W2 - 24 months
Award Letter - 1 months;
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409051493
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.9286
Yes
Yes
0.152
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
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
35.32
35.32
35.32
35.32
35.32
35.32
Yes
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
26
No
(No Data)
No
(No Data)
Yes
24
Yes
12
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 12 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months
Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 12 months;
Paystub - 26 months;
Personal Tax Return - 12 months;
W2 - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409051541
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Exempt
1
6.5421
No
No
0.151
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)
44
44.38
44
44.38
44.38
44.38
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
28
Yes
Independent Third Party (The Work Number, Equifax etc)
28
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
Written VOE - 28 months
Paystub - 1 months;
Written VOE - 28 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409051553
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.3675
No
No
0.939
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)
47.77
48.26
47.77
48.26
48.26
48.26
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
27
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
5
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 27 months;
Personal Tax Return - 24 months;
W2 - 24 months
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 5 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409051575
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
Permanent Resident Alien
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Exempt
1
5.9425
No
No
0.169
2.389
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)
43.47
43.41
43.47
43.41
43.41
43.41
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
27
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 27 months
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
1-551 stamp
(No Data)
(No Data)
409051580
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.2991
No
No
0.131
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)
46.13
46.9
46.13
46.9
46.9
46.9
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
29
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Award Letter - 12 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months;
Written VOE - 29 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409051588
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
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
6.2519
Yes
Yes
1.281
1.282
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)
37
36.66
37
36.66
36.66
36.66
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
28
Yes
FMNA 1005
28
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(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)
(No Data)
(No Data)
(No Data)
(No Data)
409051605
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
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
6.4012
Yes
Yes
0.141
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)
37.87
39.69
37.87
39.69
39.69
39.69
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(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)
(No Data)
(No Data)
(No Data)
(No Data)
409051614
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
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
6.3816
No
No
0.053
0.265
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)
48.55
47.02
48.55
47.02
47.02
47.02
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409051712
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.0716
Yes
Yes
0.162
0.162
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)
20.13
20.13
20.13
20.13
20.13
20.13
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409051758
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
7.0952
Yes
Yes
2.115
2.116
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)
40.63
39.31
40.63
39.31
39.31
39.31
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
W2 - 24 months
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409051834
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
7.3741
Yes
Yes
1.119
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)
13.58
9.86
13.58
9.86
9.86
9.86
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409052039
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Exempt
1
7.0483
No
No
0.24
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)
49.7
49.7
49.7
49.7
49.7
49.7
No
No
(No Data)
XXXXX
Yes
240
No
Yes
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
4
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 12 months;
P & L - 4 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)
409052377
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
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
6.6736
Yes
Yes
0.191
0.191
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)
29.76
29.76
29.76
29.76
29.76
29.76
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
15
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – W2(s) - 24 months;
Paystub - 15 months;
W2 - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409052436
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
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
6.6357
No
No
0.104
1.250
No
No
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)
47.26
47.21
47.26
47.21
47.21
47.21
Yes
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
26
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
1099 - 24 months;
Award Letter - 12 months;
IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 26 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409052443
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.1180
Yes
Yes
0.198
0.198
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
24.01
24
24.01
24.01
24.01
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
4
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – W2(s) - 24 months;
Offer Letter - 1 months;
Paystub - 4 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409052452
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.5042
No
No
1.273
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
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
46.03
47.21
46.03
47.21
47.21
47.21
Yes
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
28
Yes
FMNA 1005
29
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
W2 - 24 months;
Written VOE - 28 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 29 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409052516
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
Non-Permanent Resident Alien
(No Data)
(No Data)
Primary
Low Rise Condo (1-4)
XXXXX
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
6.5243
Yes
Yes
0.186
0.186
(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)
30.43
30.43
30.43
30.43
30.43
30.43
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
2
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 2 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
Work Visa
(No Data)
(No Data)
(No Data)
409052573
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
Yes
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Attached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.6537
Yes
Yes
1.293
1.486
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
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
40.45
41.53
40.45
41.53
41.53
41.53
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409052951
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
7.1303
Yes
Yes
0.177
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)
29.48
29.48
29.48
29.48
29.48
29.48
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 12 months
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409052952
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
7.0263
Yes
Yes
0.173
0.173
(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)
29.47
29.47
29.47
29.47
29.47
29.47
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
24
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 24 months;
Written VOE - 24 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409052953
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Low Rise Condo (1-4)
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Exempt
1
6.2868
No
No
0.434
0.000
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)
46.83
45.81
46.83
45.81
45.81
45.81
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Award Letter - 12 months;
Personal Bank Statement for Retirement Income - 2 months
Award Letter - 12 months;
Personal Bank Statement for Retirement Income - 2 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409052955
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.9029
Yes
Yes
0.193
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)
36.58
36.25
36.58
36.25
36.25
36.25
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
3
Yes
3
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
27
Yes
FMNA 1005
27
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 3 months;
W2 - 12 months;
Written VOE - 27 months
Paystub - 3 months;
W2 - 12 months;
Written VOE - 27 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409052956
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.1548
No
No
0.311
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)
44.86
44.88
44.86
44.88
44.88
44.88
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 12 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 12 months
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409052957
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Exempt
1
6.1761
No
No
1.106
0.152
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)
43.7
43.7
43.7
43.7
43.7
43.7
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Award Letter - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409052958
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Low Rise Condo (1-4)
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
7.7128
No
Yes
0.664
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)
43.2
43.2
42.2
43.2
43.2
43.2
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409052959
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.8048
Yes
Yes
0.452
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)
39.18
39.22
39.18
39.22
39.22
39.22
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
10
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
14
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 10 months;
Written VOE - 14 months
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409052962
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
7.3155
Yes
Yes
2.001
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)
40
40.32
40
40.32
40.32
40.32
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
27
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
3
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 27 months;
W2 - 24 months;
Written VOE - 3 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409052964
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2403
Yes
Yes
0.776
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)
40.66
40.11
40.66
40.11
40.11
40.11
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
5
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 5 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409052967
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
Exempt
1
7.4814
No
No
1.081
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
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
45.01
45.01
45.01
45.01
45.01
45.01
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
26
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Personal Tax Return - 24 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 26 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409052979
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Low Rise Condo (1-4)
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.4083
Yes
Yes
1.37
0.888
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)
19.17
19.17
19.17
19.17
19.17
19.17
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409052981
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.9320
Yes
Yes
0.226
0.226
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)
35.93
35.93
35.93
35.93
35.93
35.93
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
27
Yes
FMNA 1005
12
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Written VOE - 27 months
Offer Letter - 12 months;
Paystub - 1 months;
W2 - 12 months;
Written VOE - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409052982
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.4467
Yes
Yes
0.407
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)
32.27
32.19
32.27
32.19
32.19
32.19
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
7
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 7 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409052988
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.4068
Yes
Yes
0.79
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
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
36.58
36.56
36.58
36.56
36.56
36.56
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Award Letter - 12 months;
Personal Bank Statement for Retirement Income - 1 months
Award Letter - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409052990
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.6919
No
No
0.206
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
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
44.09
44.09
44.09
44.09
44.09
44.09
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
27
Yes
FMNA 1005
27
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 12 months;
Written VOE - 27 months
Paystub - 1 months;
W2 - 12 months;
Written VOE - 27 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409052991
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
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
0.179
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)
39.17
42.08
39.17
42.08
42.08
42.08
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
12
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
Yes
Independent Third Party (The Work Number, Equifax etc)
11
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 12 months;
Written VOE - 24 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 11 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409053141
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.8106
No
No
1.24
1.496
Yes
No
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)
45.21
45.21
45.21
45.21
45.21
45.21
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(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)
409053155
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
7.0194
Yes
Yes
1.233
1.233
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)
18.58
18.58
18.58
18.58
18.58
18.58
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
28
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 28 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409053926
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.2820
Yes
Yes
0.186
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)
25.88
25.88
25.88
25.88
25.88
25.88
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Written VOE - 24 months
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409054334
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.4243
Yes
Yes
0.141
0.000
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)
30.36
30.64
30.36
30.64
30.64
30.64
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
28
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Award Letter - 1 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 28 months
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409054577
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
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
6.3998
Yes
Yes
0.214
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)
35.66
35.66
35.66
35.66
35.66
35.66
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
26
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 26 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409055112
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.6414
Yes
Yes
0.665
0.853
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
36.12
36
36.12
36.12
36.12
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
3
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 12 months;
Paystub - 3 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409055338
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
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
6.5339
Yes
Yes
0.286
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)
35.04
35.04
35.04
35.04
35.04
35.04
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Award Letter - 1 months;
Paystub - 1 months;
W2 - 24 months
Award Letter - 1 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409055340
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
Exempt
1
6.3605
No
No
0.829
0.990
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)
47.99
47.09
47.99
47.09
47.09
47.09
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409055342
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
Non-QM: Lender documented all ATR UW factors
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.7651
No
No
0.123
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)
46.96
46.8
46.96
46.8
46.8
46.8
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
36
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 36 months
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409055343
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
Yes
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
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
6.7968
Yes
Yes
0.458
0.458
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)
39.24
37.96
39.24
37.96
37.96
37.96
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(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)
409055344
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.7689
Yes
Yes
1.208
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)
38.46
38.46
38.46
38.46
38.46
38.46
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(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)
409055345
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
7.0223
Yes
Yes
0.17
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)
31.39
31.39
31.39
31.39
31.39
31.39
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409055346
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
6.8053
No
No
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
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
46.4
43.69
46.4
43.69
43.69
43.69
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(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)
409055348
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
Yes
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.7716
Yes
Yes
0.147
0.147
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)
37.42
36.83
37.42
36.83
36.83
36.83
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (The Work Number, Equifax etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Written VOE - 24 months
Paystub - 1 months;
W2 - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
409055349
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
6.5349
Yes
Yes
0.1
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)
40.7
39.56
40.7
39.56
39.56
39.56
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 12 months
Paystub - 1 months;
W2 - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
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