Exhibit 99.01 Schedule 4
| SitusAMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | TILA Status Loan Designation | Exempt QM/ATR Equivalency | CDFI Bank Originated Loan | Application Date | TRID Tested | GSE | HOEPA Fees | TILA Fees | Rate Lock Date | Calculated APR | Original P&I | Qualifying P&I | Qualifying Rate | Is Borrower Non Occupant | Is Co Borrower Non Occupant | Borrower Employment Indicator | Co Borrower Employment Indicator | Co Borrower 2 Employment Indicator | Co Borrower 3 Employment Indicator | Co Borrower2 Length of Employment | Co Borrower3 Length of Employment | Borrower Foreign National Indicator | Co Borrower Foreign National Indicator | Co Borrower 2 Foreign National Indicator | Co Borrower 3 Foreign National Indicator | Borrower Country Name | Co Borrower Country Name | Co Borrower2 Country Name | Co Borrower3 Country Name | Residual Income | Num Units | Annual Property Tax | Annual Insurance Costs | Monthly Property Tax | Monthly Insurance Costs | HOA Name | HOA Address State | Fee Amount | Next Due Date | HOA Payment Frequency | Investor DTI | QM DTI | Non QM DTI | Original Credit Report Date | Qualifying Credit Score | Third Wage Earner Original FICO Equifax | Third Wage Earner Original FICO Experian | Third Wage Earner Original FICO Transunion | Fourth Wage Earner Original FICO Equifax | Fourth Wage Earner Original FICO Experian | Fourth Wage Earner Original FICO Transunion | Most Recent Updated Credit Report Date | Primary Wage Earner Updated FICO Equifax | Primary Wage Earner Updated FICO Experian | Primary Wage Earner Updated FICO Transunion | Secondary Wage Earner Updated FICO Equifax | Secondary Wage Earner Updated FICO Experian | Secondary Wage Earner Updated FICO Transunion | Third Wage Earner Updated FICO Equifax | Third Wage Earner Updated FICO Experian | Third Wage Earner Updated FICO Transunion | Fourth Wage Earner Updated FICO Equifax | Fourth Wage Earner Updated FICO Experian | Fourth Wage Earner Updated FICO Transunion | Most Recent Updated Co Borrower 2 FICO | Most Recent Updated Co Borrower 3 FICO | Co Borrower 2 Asset Verification Level | Co Borrower 3 Asset Verification Level | Co Borrower 2 Income Verification Level | Co Borrower 3 Income Verification Level | Co Borrower 2 Employment Verification Level | Co Borrower 3 Employment Verification Level | Asset Depletion Flag | Bank Statements Flag | Number of Statements | Type of Statements | Percent of Income From Statements | Borrower Business Ownership % | CoBorrower Business Ownership % | P&L Type | Income Doc Detail | Tax Return Doc Details | Document Level | Document Type | Most Recent Bankruptcy Type | Most Recent Bankruptcy Filing Date | Most Recent Bankruptcy Discharge Date | Number of Bankruptcy Events | Months Bankruptcy (7, 11) | Months Bankruptcy (13) | Most Recent Deed-in -Lieu Date | Number of Deed-in-Lieu Events | Months Deed-in-Lieu | Most Recent Short Sale Date | Number of Short Sale Events | Months Short Sale (or Pre FC) | Most Recent Foreclosure Date | Number of Foreclosure Events | Months Foreclosure | Prior Mortgage/Rent Late 30d in 24m | Prior Mortgage/Rent Late 60d in 24m | Prior Mortgage/Rent Late 90d in 24m | Has ACH | Guideline Name | UW Guideline Author | ATR QM Total Points and Fees Audit | Loan Regulation Benchmark Date | Benchmark Rate | HUD 1 Page 1 Credits Total | Collateral Underwriter Risk Score | AUS Decision System | Property Inspection Waiver (PIW) | Rating Result | Eligible For Rep and Warrant Relief Per Collateral Advisor | Is Equity Shared Loan | Investor Qualifying Rate | Borrower Years of W2s | CoBorrower Years of W2s | Years of Personal Tax Returns | Years of Business Tax Returns | Years of 4506T | Years of Tax Transcripts | Months of Personal Bank Statements | Months of Business Bank Statements | Months of Profit and Loss Statements | Expense Letter | Total DSCR | Total Inverse DSCR | Subordinate Lien Type | Is Shared Appreciation Mortgage | Duration of Payout Months | Seller VSH Indicator | Seller Indicated VSH Guideline | Validated VSH | IO Remaining Amortization Term at Recast | Maturity Date | Borrower Own Funds Cash Amount | Borrower Own Funds Percent | Is the Note an eNote | Borrower WVOE - # of Months of Income provided | Co Borrower WVOE - # of Months of Income provided | Co Borrower2 WVOE - # of Months of Income provided | Co Borrower3 WVOE - # of Months of Income provided | Were the origination guidelines utilized for this diligence review? | Title Evidence | Ownership Type | Borrower Type | Borrower Designation | Co Borrower Type | Co Borrower Designation | Co Borrower2 Type | Co Borrower2 Designation | Co Borrower3 Type | Co Borrower3 Designation | Senior Lien Position | Senior Lien Original Loan Amount | Senior Lien Original Interest Rate | Senior Lien Note Projected Closing Date | Senior Lien Current Balance | Senior Lien Current P&I | Loan Closed in the Name of an Entity | Note Executed by | Assumable Mortgage Flag | Leasehold Flag | Buydown Flag | Borrower Experian FICO Model Used | Borrower Equifax FICO Model Used | Borrower TransUnion FICO Model Used | Co Borrower Experian FICO Model Used | Co Borrower Equifax FICO Model Used | Co Borrower TransUnion FICO Model Used | Co Borrower2 Experian FICO Model Used | Co Borrower2 Equifax FICO Model Used | Co Borrower2 TransUnion FICO Model Used | Co Borrower3 Experian FICO Model Used | Co Borrower3 Equifax FICO Model Used | Co Borrower3 TransUnion FICO Model Used | Borrower Documentation Used to Determine Legal Residency | Co Borrower Documentation Used to Determine Legal Residency | Co Borrower2 Documentation Used to Determine Legal Residency | Co Borrower3 Documentation Used to Determine Legal Residency | Delayed Financing? | Months Reserves | Correspondent Type | Departure Residence | Rate Increase on Default | Default Interest Rate | Default Interest Accrual Start Days | MERS Min Number | Co Borrower Other Income | Co Borrower Wage Income | Primary Housing Lates 0 6 Months 30 | Primary Housing Lates 0 6 Months 60 | Primary Housing Lates 0 6 Months 90 | Primary Housing Lates 7 12 Months 30 | Primary Housing Lates 7 12 Months 60 | Primary Housing Lates 7 12 Months 90 | Primary Housing Lates 13 24 Months 30 | Primary Housing Lates 13 24 Months 60 | Primary Housing Lates 13 24 Months 90 | Primary Housing Lates 25 36 Months 30 | Primary Housing Lates 25 36 Months 60 | Primary Housing Lates 25 36 Months 90 | Borrower 1 ITIN Flag | Borrower 2 ITIN Flag | Borrower 3 ITIN Flag | Borrower 4 ITIN Flag | Total Number of Mortgaged Properties | Amortization Term Less IO |
| XXXXX | 4000094518 | XXXXX | N/A | No | Yes | $0.00 | 7.121% | $1,339.02 | $1,339.02 | 7.125% | No | No | Employed | US Citizen | $6,227.31 | 1 | $4,789.44 | $2,316.96 | $399.12 | $193.08 | 37.787% | 37.787% | 37.787% | 09/16/2025 | 787 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.320% | $0.00 | 2.4 | LP / LPA | Accept/Eligible | No | No | 7.125% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 269.09 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000093624 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $0.00 | $322.07 | 6.381% | $2,395.66 | $2,395.66 | 6.375% | No | No | Employed | Not Employed | US Citizen | US Citizen | $11,991.26 | 1 | $3,671.40 | $4,413.60 | $305.95 | $367.80 | 38.280% | 38.280% | 38.280% | 10/28/2025 | 748 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.160% | $0.00 | 1.5 | LP / LPA | Accept/Eligible | No | No | 6.375% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 4.03 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099235 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 7.815% | $2,647.75 | $2,647.75 | 7.500% | No | No | Self-Employed | US Citizen | $10,818.14 | 1 | $8,929.32 | $5,740.44 | $744.11 | $478.37 | 43.723% | 43.723% | 43.723% | 10/21/2025 | 778 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.240% | $8,910.00 | 1.2 | DU | ApproveEligible | No | No | 7.500% | 1 | 1 | 0 | 2 | 0 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 196.65 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099840 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 7.346% | $973.85 | $973.85 | 7.375% | No | No | Employed | US Citizen | $4,981.79 | 1 | $1,772.16 | $1,239.96 | $147.68 | $103.33 | 38.057% | 38.057% | 38.057% | 08/12/2025 | 667 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.160% | $3,500.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.375% | 1 | 1 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 2.620% | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.55 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105568 | XXXXX | N/A | No | Yes | $0.00 | 7.342% | $2,099.65 | $2,099.65 | 7.375% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $6,662.64 | 1 | $1,166.40 | $3,206.04 | $97.20 | $267.17 | 48.901% | 48.901% | 48.901% | 11/21/2025 | 788 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.220% | $0.00 | 3.3 | DU | ApproveEligible | No | No | 7.375% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 41.440% | No | 22 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 28.06 | No | No | $3,383.10 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000103919 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,115.00 | $3,194.10 | 6.955% | $2,663.03 | $2,663.03 | 6.875% | No | No | Non-Employment Income | US Citizen | $7,806.04 | 1 | $5,999.64 | $1,210.56 | $499.97 | $100.88 | 41.345% | 41.345% | 41.345% | 10/30/2025 | 804 | No | No | [Borrower - |
Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Borrower - | Primary Income - IRA Distribution]; Other - 2025 [Borrower - | Primary Income - IRA Distribution]; Other - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Non-Primary Income - Wages]; VVOE - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Full Doc 1yr - AUS | 0 | 0 | 0 | Yes | $2,115.00 | 6.170% | $0.00 | 2.0 | DU | ApproveEligible | No | No | 6.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 31.870% | No | 28 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.02 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109748 | XXXXX | N/A | No | Yes | $0.00 | 6.597% | $1,459.91 | $1,459.91 | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $20,549.67 | 1 | $3,227.04 | $1,035.96 | $268.92 | $86.33 | 24.076% | 24.076% | 24.076% | 12/13/2025 | 707 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.180% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.625% | 1 | 2 | 1 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 30.470% | No | 35 | 35 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 9.93 | No | No | $0.00 | $5,163.85 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109568 | XXXXX | N/A | No | Yes | $0.00 | 6.854% | $656.93 | $656.93 | 6.875% | No | No | Employed | US Citizen | $9,827.05 | 1 | $1,433.04 | $729.00 | $119.42 | $60.75 | 10.151% | 10.151% | 10.151% | 12/23/2025 | 782 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.180% | $0.00 | 1.1 | DU | ApproveEligible | Yes | No | 6.875% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 138.63 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103574 | XXXXX | N/A | No | Yes | $0.00 | 7.094% | $1,048.47 | $1,048.47 | 7.125% | No | No | Employed | Employed | US Citizen | US Citizen | $7,114.23 | 3 | $4,358.52 | $1,917.96 | $363.21 | $159.83 | 35.685% | 35.685% | 35.685% | 11/21/2025 | 746 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.250% | $0.00 | DU | ApproveEligible | No | No | 7.125% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 50.110% | No | 35 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 25.7 | No | No | $0.00 | $4,780.84 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109527 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,967.20 | $4,792.81 | 6.441% | $3,306.51 | $3,306.51 | 6.375% | No | No | Self-Employed | US Citizen | $7,630.40 | 1 | $2,761.20 | $1,812.96 | $230.10 | $151.08 | 41.660% | 41.660% | 41.660% | 12/22/2025 | 798 | No | No | Borrower Prepared | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,967.20 | 6.180% | $0.00 | 5.0 | DU | ApproveEligible | No | No | 6.375% | 0 | 1 | 0 | 2 | 0 | 8.97 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 10.13 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000111059 | XXXXX | N/A | No | Yes | $4,940.00 | $5,439.92 | 6.823% | $1,680.82 | $1,680.82 | 6.625% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $91,289.60 | 1 | $3,134.88 | $450.96 | $261.24 | $37.58 | 21.559% | 21.559% | 21.559% | 11/21/2025 | 767 | No | No | Borrower Prepared | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Tax Return Extension - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $4,940.00 | 6.170% | $0.00 | 1.7 | DU | ApproveEligible | No | No | 6.625% | 0 | 0 | 1 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 238.1 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109924 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 7.286% | $1,159.29 | $1,159.29 | 7.000% | No | No | Employed | US Citizen | $6,923.11 | 1 | $1,223.40 | $1,791.60 | $101.95 | $149.30 | 24.302% | 24.302% | 24.302% | 01/27/2026 | 775 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.180% | $4,100.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 7.000% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 35.880% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 26.33 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112954 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.595% | $1,872.91 | $1,872.91 | 6.625% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $5,826.72 | 1 | $2,080.44 | $960.96 | $173.37 | $80.08 | 36.673% | 36.673% | 36.673% | 12/29/2025 | 775 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | 6.180% | $4,000.00 | 2.0 | LP / LPA | Accept/Eligible | Yes | No | 6.625% | 0 | 0 | 1 | 0 | 2 | 2 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 39.21 | No | No | $961.33 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112920 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.117% | $2,678.83 | $2,678.83 | 6.125% | No | No | Employed | Employed | US Citizen | Permanent Resident Alien | $5,671.22 | 1 | $2,292.96 | $1,409.28 | $191.08 | $117.44 | 34.356% | 34.356% | 34.356% | 01/08/2026 | 811 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | 6.060% | $11,022.00 | 2.5 | LP / LPA | Accept/Eligible | No | No | 6.125% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 37.570% | No | 24 | 36 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 30.25 | No | No | $0.00 | $2,757.40 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112330 | XXXXX | N/A | No | Yes | $0.00 | 5.721% | $1,288.35 | $1,288.35 | 5.750% | No | No | Employed | US Citizen | $6,893.91 | 1 | $2,373.00 | $1,035.24 | $197.75 | $86.27 | 47.633% | 47.633% | 47.633% | 01/21/2026 | 784 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.060% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 5.750% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 98.33 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112631 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,590.00 | $8,185.00 | 6.454% | $4,393.60 | $4,393.60 | 6.375% | No | No | Non-Employment Income | US Citizen | $8,798.70 | 1 | $11,929.56 | $4,407.00 | $994.13 | $367.25 | 49.781% | 49.781% | 49.781% | 01/22/2026 | 804 | No | No | [Borrower - |
Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2018 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2025 [Borrower - | Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2018 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,590.00 | 6.060% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 6.375% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 109.45 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114598 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 5.841% | $1,833.77 | $1,833.77 | 5.875% | No | No | Employed | Not Employed | US Citizen | US Citizen | $14,710.70 | 1 | $6,235.80 | $3,312.48 | $519.65 | $276.04 | 35.808% | 35.808% | 35.808% | 01/29/2026 | 771 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $2,000.00 | 3.0 | DU | ApproveEligible | No | No | 5.875% | 1 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 290.48 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112221 | XXXXX | N/A | No | Yes | $0.00 | 6.471% | $1,819.39 | $1,819.39 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $14,084.86 | 1 | $7,093.20 | $1,721.16 | $591.10 | $143.43 | 47.942% | 47.942% | 47.942% | 01/20/2026 | 789 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2013 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.060% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.500% | 1 | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 38.13 | No | No | $0.00 | $12,556.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000110103 | XXXXX | N/A | No | Yes | $0.00 | 6.224% | $2,216.58 | $2,216.58 | 6.250% | No | No | Employed | US Citizen | $9,311.14 | 3 | $5,841.12 | $1,179.84 | $486.76 | $98.32 | 40.816% | 40.816% | 40.816% | 01/13/2026 | 771 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2022 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | Yes | Onslow Bay | 6.170% | $0.00 | DU | ApproveEligible | No | No | 6.250% | 0 | 1 | 0 | 2 | 1 | 0.00 | No | XXXXX | XXXXX | No | 36 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 36.21 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112729 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.838% | $1,944.51 | $1,944.51 | 6.875% | No | No | Non-Employment Income | US Citizen | $5,788.66 | 1 | $3,747.84 | $1,535.88 | $312.32 | $127.99 | 36.956% | 36.956% | 36.956% | 01/05/2026 | 793 | No | No | [Borrower - |
Non-Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Primary Income - IRA Distribution]; Other - 2026 [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | Onslow Bay | 6.060% | $3,175.00 | 2.5 | LP / LPA | Accept/Eligible | No | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 431.67 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114822 | XXXXX | N/A | No | Yes | $0.00 | 7.248% | $1,159.64 | $1,159.64 | 7.125% | No | No | Employed | US Citizen | $4,683.25 | 1 | $1,305.48 | $2,313.24 | $108.79 | $192.77 | 40.852% | 40.852% | 40.852% | 02/03/2026 | 799 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.125% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 40.080% | No | 5 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 30.47 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112225 | XXXXX | N/A | No | Yes | $0.00 | 6.479% | $1,806.35 | $1,806.35 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $14,493.39 | 1 | $7,733.28 | $2,114.04 | $644.44 | $176.17 | 46.432% | 46.432% | 46.432% | 01/20/2026 | 789 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.060% | $0.00 | 1.7 | DU | ApproveEligible | Yes | No | 6.500% | 1 | 1 | 1 | 0 | 4 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 42.56 | No | No | $0.00 | $12,556.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113296 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $6,163.66 | $7,058.77 | 7.236% | $1,744.15 | $1,744.15 | 6.875% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $15,686.15 | 1 | $2,123.64 | $1,712.16 | $176.97 | $142.68 | 30.293% | 30.293% | 30.293% | 01/15/2026 | 800 | No | No | [Borrower - |
Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $6,163.66 | 6.140% | $0.00 | LP / LPA | Yes | Accept/Eligible | N/A | No | 6.875% | 0 | 0 | 1 | 0 | 3 | 0 | No | Not Stated | XXXXX | XXXXX | 15.880% | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 1.58 | No | No | $0.00 | $14,470.42 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114391 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,490.00 | $2,428.50 | 6.420% | $2,351.99 | $2,351.99 | 6.375% | No | No | Employed | US Citizen | $25,504.96 | 1 | $4,392.00 | $1,848.96 | $366.00 | $154.08 | 20.349% | 20.349% | 20.349% | 01/28/2026 | 788 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,490.00 | 6.100% | $0.00 | 4.1 | DU | ApproveEligible | N/A | No | 6.375% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 26.28 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113652 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,990.00 | $3,770.00 | 6.406% | $4,710.22 | $4,710.22 | 6.375% | No | No | Employed | Not Employed | US Citizen | US Citizen | $35,027.30 | 1 | $6,412.68 | $3,981.96 | $534.39 | $331.83 | 27.027% | 27.027% | 27.027% | 02/02/2026 | 777 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,990.00 | 6.140% | $0.00 | 2.6 | DU | ApproveEligible | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 80.31 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113600 | XXXXX | N/A | No | Yes | $0.00 | 6.483% | $2,752.66 | $2,752.66 | 6.500% | No | No | Self-Employed | US Citizen | $7,270.91 | 1 | $8,242.56 | $2,118.84 | $686.88 | $176.57 | 49.752% | 49.752% | 49.752% | 01/15/2026 | 760 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | 4.3 | LP / LPA | Accept/Eligible | No | No | 6.500% | 1 | 1 | 0 | 2 | 0 | 12.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.36 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118275 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,690.00 | $3,549.68 | 7.156% | $5,558.18 | $5,558.18 | 7.125% | No | No | Not Employed | Employed | US Citizen | US Citizen | $40,113.00 | 1 | $6,192.84 | $672.00 | $516.07 | $56.00 | 35.127% | 35.127% | 35.127% | 10/17/2025 | 725 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,690.00 | 6.290% | $0.00 | 4.6 | DU | ApproveEligible | No | No | 7.125% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 34 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 78.42 | No | No | $0.00 | $61,833.33 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114395 | XXXXX | N/A | No | Yes | $0.00 | 6.864% | $4,448.06 | $4,448.06 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $17,960.23 | 1 | $10,299.84 | $0.00 | $858.32 | $0.00 | 44.548% | 44.548% | 44.548% | 01/12/2026 | 758 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; D1C Income Verification Report - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | DU | ApproveEligible | No | No | 6.875% | 1 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 41 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 31.21 | No | No | $0.00 | $7,792.52 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115665 | XXXXX | N/A | No | Yes | $0.00 | 6.117% | $634.95 | $634.95 | 6.125% | No | No | Employed | US Citizen | $14,744.29 | 1 | $1,878.96 | $1,144.80 | $156.58 | $95.40 | 29.227% | 29.227% | 29.227% | 02/05/2026 | 793 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.130% | $0.00 | 2.8 | DU | ApproveEligible | Yes | No | 6.125% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 167.64 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116797 | XXXXX | N/A | No | Yes | $0.00 | 6.493% | $1,371.59 | $1,371.59 | 6.500% | No | No | Employed | US Citizen | $5,824.10 | 1 | $1,718.52 | $927.96 | $143.21 | $77.33 | 26.715% | 26.715% | 26.715% | 02/02/2026 | 782 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.130% | $0.00 | 1.2 | LP / LPA | Accept/Eligible | Yes | No | 6.500% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 4 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 183.42 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113089 | XXXXX | N/A | No | Yes | $0.00 | 6.368% | $3,509.27 | $3,509.27 | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $14,510.68 | 1 | $2,681.64 | $4,446.96 | $223.47 | $370.58 | 31.138% | 31.138% | 31.138% | 02/12/2026 | 781 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.140% | $6,000.00 | 2.3 | LP / LPA | Accept/Eligible | No | No | 6.375% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 35.030% | No | 36 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.98 | No | No | $0.00 | $14,043.86 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116786 | XXXXX | N/A | No | Yes | $0.00 | 6.616% | $1,714.43 | $1,714.43 | 6.625% | No | No | Self-Employed | Employed | Permanent Resident Alien | US Citizen | $3,700.97 | 2 | $3,776.64 | $2,380.32 | $314.72 | $198.36 | 33.304% | 33.304% | 33.304% | 02/10/2026 | 802 | No | No | [Borrower - |
Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.130% | $0.00 | DU | ApproveEligible | N/A | No | 6.625% | 0 | 1 | 2 | 0 | 2 | 0 | No | XXXXX | XXXXX | 34.920% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 11.46 | Yes | No | $0.00 | $2,990.66 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000111013 | XXXXX | N/A | No | Yes | $1,940.00 | $3,263.13 | 6.637% | $1,409.51 | $1,409.51 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $12,633.12 | 1 | $6,770.88 | $827.04 | $564.24 | $68.92 | 33.560% | 33.560% | 33.560% | 01/12/2026 | 739 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,940.00 | 6.980% | $0.00 | 1.6 | DU | ApproveEligible | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | 24 | 24 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.19 | No | No | $0.00 | $11,941.67 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115596 | XXXXX | N/A | No | Yes | $376.25 | $1,734.80 | 6.285% | $1,967.22 | $1,967.22 | 6.250% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $13,587.44 | 1 | $5,970.00 | $1,443.00 | $497.50 | $120.25 | 44.111% | 44.111% | 44.111% | 01/29/2026 | 767 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Coborrower(s) - | Non-Primary Income - VA Service Related Disability]; Other - 2026 [Coborrower(s) - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $376.25 | 6.100% | $0.00 | 2.2 | DU | ApproveEligible | N/A | No | 6.250% | 3 | 0 | 2 | 0 | 3 | 2 | No | XXXXX | XXXXX | No | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 70.57 | No | No | $3,404.25 | $0.00 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115060 | XXXXX | N/A | No | Yes | $0.00 | 6.245% | $1,828.68 | $1,828.68 | 6.250% | No | No | Employed | Employed | US Citizen | US Citizen | $13,348.09 | 1 | $7,266.00 | $2,583.96 | $605.50 | $215.33 | 39.016% | 39.016% | 39.016% | 01/15/2026 | 809 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.250% | 0 | 1 | 2 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 79.200% | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 26.37 | No | No | $0.00 | $14,169.44 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117098 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,695.00 | $2,753.16 | 5.915% | $3,549.23 | $3,549.23 | 5.875% | No | No | Self-Employed | US Citizen | $93,935.21 | 1 | $7,395.12 | $1,686.00 | $616.26 | $140.50 | 7.004% | 7.004% | 7.004% | 02/16/2026 | 787 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,695.00 | 6.100% | $0.00 | 5.0 | DU | ApproveEligible | Yes | No | 5.875% | 1 | 1 | 0 | 3 | 1 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 201.4 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109549 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,495.00 | $3,912.56 | 6.038% | $4,992.76 | $4,992.76 | 6.000% | No | No | Employed | US Citizen | $17,840.94 | 1 | $11,215.20 | $6,017.04 | $934.60 | $501.42 | 44.744% | 44.744% | 44.744% | 01/07/2026 | 794 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,495.00 | 6.180% | $10,000.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.000% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 34.640% | No | 1 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.18 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115430 | XXXXX | N/A | No | Yes | $0.00 | 6.621% | $1,075.72 | $1,075.72 | 6.625% | No | No | Employed | US Citizen | $6,236.48 | 1 | $5,457.96 | $707.04 | $454.83 | $58.92 | 38.545% | 38.545% | 38.545% | 02/03/2026 | 715 | No | No | [Borrower - |
Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Rations]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Non-Primary Income - Housing Allowance]; Leave and Earnings Statement (LES) - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 533.27 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114607 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.234% | $2,789.20 | $2,789.20 | 6.250% | No | No | Employed | US Citizen | $12,067.64 | 1 | $7,729.32 | $1,466.04 | $644.11 | $122.17 | 32.338% | 32.338% | 32.338% | 01/21/2026 | 763 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.250% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 44.920% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 27.29 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115422 | XXXXX | N/A | No | No | $0.00 | 6.367% | $7,018.54 | $7,018.54 | 6.375% | No | No | Self-Employed | US Citizen | $34,762.91 | 1 | $5,989.32 | $3,216.96 | $499.11 | $268.08 | 30.829% | 30.829% | 30.829% | 01/14/2026 | 794 | No | No | [Borrower - |
Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | 1.8 | DU | ApproveIneligible | Yes | No | 6.375% | 0 | 1 | 0 | 3 | 1 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 32.4 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114921 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,265.00 | $2,472.40 | 6.580% | $1,706.58 | $1,706.58 | 6.500% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $7,519.88 | 1 | $6,004.08 | $894.00 | $500.34 | $74.50 | 43.735% | 43.735% | 43.735% | 01/06/2026 | 761 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,265.00 | 6.100% | $80,000.00 | 1.0 | LP / LPA | Accept/Eligible | N/A | No | 6.500% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 56.880% | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 73.69 | No | No | $5,938.80 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116578 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $6,535.25 | $7,916.68 | 6.519% | $3,158.34 | $3,158.34 | 6.375% | No | No | Employed | US Citizen | $23,594.46 | 1 | $10,110.60 | $1,977.00 | $842.55 | $164.75 | 31.312% | 31.312% | 31.312% | 01/22/2026 | 788 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $6,535.25 | 6.130% | $0.00 | 2.4 | DU | ApproveEligible | Yes | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 25 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 64.29 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115197 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,465.00 | $3,860.37 | 6.508% | $1,637.66 | $1,637.66 | 6.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $48,324.36 | 1 | $2,922.96 | $810.72 | $243.58 | $67.56 | 12.330% | 12.330% | 12.330% | 01/14/2026 | 801 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,465.00 | 6.100% | $0.00 | 1.5 | DU | ApproveEligible | No | No | 6.375% | 2 | 0 | 2 | 0 | 3 | 2 | No | Not Stated | XXXXX | XXXXX | 34.940% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.17 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113292 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,843.40 | $5,318.04 | 6.427% | $3,244.12 | $3,244.12 | 6.375% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $7,506.76 | 1 | $4,340.28 | $1,956.00 | $361.69 | $163.00 | 46.770% | 46.770% | 46.770% | 01/26/2026 | 780 | No | No | [Borrower - |
Primary Income - Social Security]; Award Letter / Continuance Letter -
2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,843.40 | 6.140% | $2,000.00 | 3.0 | LP / LPA | Accept/Eligible | Yes | No | 6.375% | 0 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 30.030% | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.41 | No | No | $0.00 | $11,226.80 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115832 | XXXXX | N/A | No | Yes | $0.00 | 6.257% | $1,853.31 | $1,853.31 | 6.250% | No | No | Employed | US Citizen | $5,946.55 | 1 | $2,330.88 | $1,629.96 | $194.24 | $135.83 | 40.930% | 40.930% | 40.930% | 02/09/2026 | 788 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | 2.6 | DU | ApproveEligible | Yes | No | 6.250% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.17 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114416 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,745.00 | $3,747.26 | 6.449% | $1,902.80 | $1,902.80 | 6.375% | No | No | Employed | Not Employed | US Citizen | US Citizen | $7,858.96 | 1 | $3,640.68 | $2,864.04 | $303.39 | $238.67 | 34.602% | 34.602% | 34.602% | 01/28/2026 | 779 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,745.00 | 6.100% | $2,500.00 | 1.4 | DU | ApproveEligible | Yes | No | 6.375% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 36.720% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.55 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114942 | XXXXX | N/A | No | Yes | $0.00 | 6.618% | $3,015.86 | $3,015.86 | 6.625% | No | No | Employed | US Citizen | $17,733.72 | 1 | $4,197.48 | $1,449.96 | $349.79 | $120.83 | 29.432% | 29.432% | 29.432% | 01/19/2026 | 795 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | 4.0 | DU | ApproveEligible | No | No | 6.625% | 2 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 58.75 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116492 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,695.00 | $4,544.83 | 6.214% | $1,974.73 | $1,974.73 | 6.125% | No | No | Employed | Not Employed | US Citizen | US Citizen | $17,305.04 | 1 | $4,663.44 | $3,512.40 | $388.62 | $292.70 | 24.322% | 24.322% | 24.322% | 02/11/2026 | 782 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,695.00 | 6.130% | $1,750.00 | 4.0 | DU | ApproveEligible | No | No | 6.125% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | 6 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 515.05 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115391 | XXXXX | N/A | No | Yes | $0.00 | 6.240% | $985.15 | $985.15 | 6.250% | No | No | Employed | Employed | US Citizen | US Citizen | $5,790.01 | 1 | $2,459.52 | $1,193.04 | $204.96 | $99.42 | 48.090% | 48.090% | 48.090% | 12/30/2025 | 707 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | LP / LPA | Accept/Eligible | N/A | No | 6.250% | 2 | 2 | 1 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 184.75 | No | No | $0.00 | $4,397.06 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116763 | XXXXX | N/A | No | Yes | $0.00 | 6.579% | $1,085.33 | $1,085.33 | 6.625% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $11,558.44 | 1 | $995.04 | $807.00 | $82.92 | $67.25 | 47.050% | 47.050% | 47.050% | 02/12/2026 | 790 | No | No | [Borrower - |
Primary Income - Social Security]; Award Letter / Continuance Letter -
2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.130% | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 1970.79 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117365 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,255.00 | $2,617.54 | 6.682% | $2,699.55 | $2,699.55 | 6.625% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $11,956.57 | 1 | $7,034.40 | $6,843.60 | $586.20 | $570.30 | 39.658% | 39.658% | 39.658% | 01/05/2026 | 783 | No | No | [Borrower - |
Primary Income - VA Service Related Disability]; VA Verification of Benefits
- 2026 [Borrower - | Primary Income - VA Service Related Disability]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,255.00 | 6.100% | $0.00 | 4.3 | LP / LPA | Accept/Eligible | No | No | 6.625% | 0 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 26.110% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 2.66 | No | No | $0.00 | $17,537.53 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116476 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $3,939.76 | $5,445.91 | 7.075% | $1,076.67 | $1,076.67 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $8,556.59 | 1 | $762.72 | $2,067.60 | $63.56 | $172.30 | 35.774% | 35.774% | 35.774% | 01/19/2026 | 779 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Year End Summary - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $3,939.76 | 6.130% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 6.750% | 1 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 45.160% | No | 25 | 25 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 32.15 | Yes | No | $0.00 | $9,641.58 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116382 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,370.00 | $3,502.08 | 7.516% | $2,302.34 | $2,302.34 | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $12,264.22 | 1 | $4,862.16 | $3,720.72 | $405.18 | $310.06 | 39.679% | 39.679% | 39.679% | 02/02/2026 | 746 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Other - 2006 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,370.00 | 6.130% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.250% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 20.310% | No | 3 | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.17 | No | No | $0.00 | $6,165.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116165 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,690.00 | $0.00 | 6.328% | $3,743.22 | $3,743.22 | 6.375% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $12,591.13 | 1 | $10,937.52 | $2,656.92 | $911.46 | $221.41 | 32.847% | 32.847% | 32.847% | 02/19/2026 | 811 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | Onslow Bay | $1,690.00 | 6.130% | $0.00 | 5.0 | DU | ApproveEligible | No | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 240 | Not Stated | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 988.13 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113877 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,590.00 | $3,034.18 | 6.158% | $3,657.82 | $3,657.82 | 6.125% | No | No | Employed | US Citizen | $25,611.48 | 1 | $5,117.64 | $5,814.72 | $426.47 | $484.56 | 29.348% | 29.348% | 29.348% | 01/29/2026 | 802 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,590.00 | 6.140% | $0.00 | LP / LPA | Yes | Accept/Eligible | N/A | No | 6.125% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 3.16 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115268 | XXXXX | N/A | No | Yes | $0.00 | 6.708% | $1,344.41 | $1,344.41 | 6.750% | No | No | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | $20,141.60 | 1 | $7,812.00 | $873.96 | $651.00 | $72.83 | 33.260% | 33.260% | 33.260% | 02/03/2026 | 772 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | Yes | Onslow Bay | 6.100% | $0.00 | DU | Yes | ApproveEligible | N/A | No | 6.750% | 1 | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | VISA | VISA | 17.92 | No | No | $0.00 | $13,958.58 | No | No | No | No | 5 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116328 | XXXXX | N/A | No | Yes | $0.00 | 7.074% | $1,379.44 | $1,379.44 | 7.125% | No | No | Employed | US Citizen | $7,646.36 | 1 | $7,274.52 | $3,375.96 | $606.21 | $281.33 | 49.644% | 49.644% | 49.644% | 02/03/2026 | 699 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | Onslow Bay | 6.130% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.125% | 0 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 35 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 366.61 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116344 | XXXXX | Safe Harbor QM (APOR) | Yes | No | $2,049.00 | $6,433.81 | 6.899% | $6,595.57 | $6,595.57 | 6.875% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $13,232.65 | 1 | $5,419.44 | $5,889.00 | $451.62 | $490.75 | 43.985% | 43.985% | 43.985% | 02/23/2026 | 809 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2023 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2023 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 1040 - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | Yes | Onslow Bay | $2,049.00 | 6.130% | $0.00 | LP / LPA | Accept/Ineligible | Yes | No | 6.875% | 0 | 0 | 2 | 0 | 0 | 0 | 0.00 | No | 240 | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 495.61 | No | No | $11,938.35 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115999 | XXXXX | N/A | No | Yes | $0.00 | 6.746% | $1,524.21 | $1,524.21 | 6.750% | No | No | Non-Employment Income | US Citizen | $3,402.25 | 1 | $4,692.00 | $1,626.36 | $391.00 | $135.53 | 30.577% | 30.577% | 30.577% | 12/31/2025 | 806 | No | No | [Borrower - |
Non-Primary Income - Social Security]; Award Letter / Continuance Letter -
2026 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Primary Income - Interest / Dividends]; Other - 2026 [Borrower - | Primary Income - Interest / Dividends]; Other - 2026 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | Onslow Bay | 6.130% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.750% | 0 | 2 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 35.110% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.34 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115914 | XXXXX | N/A | No | Yes | $0.00 | 6.449% | $2,142.71 | $2,142.71 | 6.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $14,524.29 | 1 | $3,695.04 | $1,469.04 | $307.92 | $122.42 | 37.878% | 37.878% | 37.878% | 02/05/2026 | 762 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.130% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.500% | 2 | 0 | 2 | 0 | 3 | 2 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.25 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113278 | XXXXX | N/A | No | Yes | $0.00 | 6.632% | $1,870.83 | $1,870.83 | 6.625% | No | No | Employed | Employed | Employed | 6.94 | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Non-Permanent Resident Alien | $26,180.32 | 1 | $419.16 | $2,079.96 | $34.93 | $173.33 | 26.812% | 26.812% | 26.812% | 02/13/2026 | 735 | 735 | 738 | 711 | Level 1-Not Stated/Not Verified | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.140% | $0.00 | 2.6 | DU | ApproveEligible | Yes | No | 6.625% | 1 | 1 | 2 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | VISA | VISA | VISA | 26.81 | No | No | $0.00 | $23,577.50 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117547 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,465.00 | $3,608.78 | 7.029% | $1,492.54 | $1,492.54 | 6.875% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $5,484.33 | 1 | $2,689.68 | $1,049.16 | $224.14 | $87.43 | 46.890% | 46.890% | 46.890% | 02/06/2026 | 790 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,465.00 | 6.100% | $4,500.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.875% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 587.06 | No | No | $2,197.43 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118375 | XXXXX | N/A | No | Yes | $0.00 | 6.216% | $1,477.29 | $1,477.29 | 6.250% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $8,500.97 | 1 | $2,253.36 | $1,157.04 | $187.78 | $96.42 | 49.065% | 49.065% | 49.065% | 01/29/2026 | 765 | No | No | [Borrower - |
Primary Income - Sole Proprietor]; Business License - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | Yes | Onslow Bay | 5.990% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.250% | 0 | 2 | 0 | 0 | 3 | 1 | No | XXXXX | XXXXX | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 130.57 | No | No | $0.00 | $13,831.43 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116568 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.078% | $4,860.88 | $4,860.88 | 6.125% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $8,469.56 | 1 | $3,720.12 | $795.00 | $310.01 | $66.25 | 46.796% | 46.796% | 46.796% | 02/02/2026 | 798 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2017 [Borrower - | Non-Primary Income - Annuity]; Account Statements - 2026 [Borrower - | Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2024 [Coborrower(s) - | Primary Income - Pension]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2021 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2021 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.130% | $0.00 | LP / LPA | Accept/Eligible | No | No | 6.125% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 560.98 | No | No | $4,144.98 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117137 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $4,326.18 | $4,750.72 | 6.613% | $1,191.59 | $1,191.59 | 6.375% | No | No | Non-Employment Income | US Citizen | $4,851.05 | 1 | $1,247.28 | $675.48 | $103.94 | $56.29 | 39.978% | 39.978% | 39.978% | 01/22/2026 | 757 | No | No | [Borrower - |
Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; 1099-R - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2025 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $4,326.18 | 6.100% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 130.76 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115731 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,370.00 | $5,295.14 | 6.465% | $2,245.93 | $2,245.93 | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $16,148.24 | 1 | $3,882.60 | $1,182.00 | $323.55 | $98.50 | 24.245% | 24.245% | 24.245% | 02/05/2026 | 799 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,370.00 | 6.100% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.375% | 2 | 2 | 0 | 0 | 4 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 4.97 | No | No | $0.00 | $10,675.34 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117195 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $513.00 | $3,395.70 | 6.031% | $3,417.44 | $3,417.44 | 6.000% | No | No | Employed | US Citizen | $17,877.25 | 1 | $9,500.04 | $857.04 | $791.67 | $71.42 | 38.707% | 38.707% | 38.707% | 02/11/2026 | 771 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $513.00 | 6.020% | $7,000.00 | 2.4 | DU | ApproveEligible | No | No | 6.000% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 29.250% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.67 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119327 | XXXXX | N/A | No | Yes | $0.00 | 5.971% | $1,896.08 | $1,896.08 | 6.000% | No | No | Employed | US Citizen | $7,002.49 | 1 | $6,606.72 | $929.04 | $550.56 | $77.42 | 47.743% | 47.743% | 47.743% | 02/27/2026 | 799 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.980% | $0.00 | DU | Yes | ApproveEligible | N/A | No | 6.000% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 62.6 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113731 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,810.00 | $4,007.70 | 7.401% | $808.34 | $808.34 | 7.000% | No | No | Employed | Employed | US Citizen | US Citizen | $15,418.41 | 1 | $729.48 | $1,979.28 | $60.79 | $164.94 | 23.925% | 23.925% | 23.925% | 02/06/2026 | 782 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,810.00 | 6.140% | $0.00 | 2.6 | LP / LPA | Accept/Eligible | Yes | No | 7.000% | 3 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | 26 | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 206.61 | No | No | $0.00 | $10,763.69 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114776 | XXXXX | N/A | No | No | $0.00 | 6.845% | $3,021.87 | $3,021.87 | 6.875% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $9,451.84 | 1 | $8,256.00 | $6,362.04 | $688.00 | $530.17 | 39.491% | 39.491% | 39.491% | 01/29/2026 | 774 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 6.875% | 1 | 0 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 27.950% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.37 | No | No | $10,188.25 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114943 | XXXXX | Safe Harbor QM (APOR) | Yes | No | $2,195.00 | $5,930.75 | 6.375% | $2,308.94 | $2,308.94 | 6.250% | No | No | Self-Employed | US Citizen | $119,741.02 | 1 | $9,203.16 | $0.00 | $766.93 | $0.00 | 6.676% | 6.676% | 6.676% | 02/02/2026 | 807 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,195.00 | 6.100% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 6.250% | 2 | 1 | 0 | 3 | 1 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 225.93 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117607 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,220.00 | $931.32 | 7.379% | $1,534.90 | $1,534.90 | 7.250% | No | No | Employed | US Citizen | $7,634.61 | 1 | $2,289.72 | $2,058.60 | $190.81 | $171.55 | 38.790% | 38.790% | 38.790% | 01/30/2026 | 784 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,220.00 | 6.100% | $13,750.00 | 1.0 | DU | ApproveEligible | No | No | 7.250% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 23.170% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.95 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114617 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,945.00 | $3,340.42 | 6.079% | $1,798.65 | $1,798.65 | 6.000% | No | No | Employed | Employed | US Citizen | US Citizen | $25,240.11 | 1 | $21,760.08 | $5,958.84 | $1,813.34 | $496.57 | 22.871% | 22.871% | 22.871% | 02/02/2026 | 812 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,945.00 | 6.100% | $0.00 | 1.1 | DU | ApproveEligible | No | No | 6.000% | 0 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 124.89 | No | No | $0.00 | $19,500.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117720 | XXXXX | Higher Priced QM (APOR) | Yes | Yes | $4,984.06 | $7,414.56 | 8.270% | $1,887.75 | $1,887.75 | 7.750% | No | No | Employed | US Citizen | $6,683.44 | 1 | $1,964.40 | $8,199.96 | $163.70 | $683.33 | 44.119% | 44.119% | 44.119% | 01/17/2026 | 657 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; Other - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; Other - 2026 [Borrower - | Non-Primary Income - Wages]; Other - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $4,984.06 | 6.100% | $5,000.00 | 2.1 | DU | ApproveEligible | No | No | 7.750% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 26.310% | No | 11 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.84 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116347 | XXXXX | N/A | No | Yes | $0.00 | 5.971% | $1,414.94 | $1,414.94 | 6.000% | No | No | Employed | US Citizen | $6,384.50 | 1 | $2,760.60 | $3,190.32 | $230.05 | $265.86 | 43.744% | 43.744% | 43.744% | 02/10/2026 | 805 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.020% | $0.00 | DU | Yes | ApproveEligible | N/A | No | 6.000% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 34.34 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117086 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,370.00 | $4,784.21 | 6.326% | $2,327.41 | $2,327.41 | 6.250% | No | No | Employed | Not Employed | US Citizen | US Citizen | $26,575.95 | 1 | $3,092.64 | $1,518.96 | $257.72 | $126.58 | 14.958% | 14.958% | 14.958% | 02/16/2026 | 779 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,370.00 | 6.100% | $0.00 | 3.6 | DU | ApproveEligible | No | No | 6.250% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 129.35 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115519 | XXXXX | N/A | No | Yes | $0.00 | 6.699% | $3,450.54 | $3,450.54 | 6.750% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $15,248.72 | 1 | $17,396.40 | $3,092.04 | $1,449.70 | $257.67 | 32.477% | 32.477% | 32.477% | 02/06/2026 | 770 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; W-2 - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | 2.3 | DU | ApproveEligible | No | No | 6.750% | 0 | 2 | 1 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | 51.980% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 33.86 | No | No | $7,973.67 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113677 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $9,495.00 | $11,375.00 | 6.192% | $2,997.75 | $2,997.75 | 6.000% | No | No | Employed | US Citizen | $11,399.78 | 1 | $4,293.24 | $1,667.04 | $357.77 | $138.92 | 37.480% | 37.480% | 37.480% | 01/28/2026 | 772 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $9,495.00 | 6.020% | $0.00 | DU | Yes | ApproveEligible | N/A | No | 6.000% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 60.410% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 65.97 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113668 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,725.00 | $4,307.69 | 7.482% | $2,455.83 | $2,455.83 | 7.250% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $7,407.85 | 1 | $4,478.64 | $2,213.04 | $373.22 | $184.42 | 42.996% | 42.996% | 42.996% | 01/16/2026 | 765 | No | No | [Borrower - |
Non-Primary Income - Wages]; Other - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Pension]; Account Statements - 2026 [Borrower - | Primary Income - Pension]; 1099-R - 2024 [Borrower - | Primary Income - Pension]; 1099-R - 2023 [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2021 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,725.00 | 6.140% | $0.00 | 2.6 | LP / LPA | Accept/Eligible | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 4.090% | No | 24 | 24 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 2.36 | No | No | $0.00 | $5,395.66 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115339 | XXXXX | N/A | No | Yes | $0.00 | 6.629% | $1,261.41 | $1,261.41 | 6.625% | No | No | Self-Employed | Permanent Resident Alien | $3,576.90 | 1 | $3,656.76 | $980.04 | $304.73 | $81.67 | 41.688% | 41.688% | 41.688% | 11/13/2025 | 760 | No | No | [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | 1.2 | LP / LPA | Accept/Eligible | Yes | No | 6.625% | 0 | 1 | 0 | 3 | 1 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 40.43 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114709 | XXXXX | N/A | No | Yes | $0.00 | 6.576% | $1,272.62 | $1,272.62 | 6.625% | No | No | Employed | US Citizen | $52,858.61 | 1 | $1,170.72 | $1,153.32 | $97.56 | $96.11 | 17.576% | 17.576% | 17.576% | 01/28/2026 | 792 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | 2.6 | LP / LPA | Accept/Eligible | No | No | 6.625% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 97.170% | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 88.32 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116588 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $6,534.14 | $3,971.56 | 6.573% | $2,406.95 | $2,406.95 | 6.500% | No | No | Self-Employed | US Citizen | $18,673.25 | 1 | $1,907.16 | $999.96 | $158.93 | $83.33 | 37.202% | 37.202% | 37.202% | 01/07/2026 | 733 | No | No | [Borrower - |
Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $6,534.14 | 6.870% | $0.00 | 2.2 | DU | ApproveEligible | Yes | No | 6.500% | 0 | 2 | 0 | 3 | 0 | No | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 103.11 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116300 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,295.00 | $2,072.54 | 6.453% | $1,174.75 | $1,174.75 | 6.375% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $6,813.48 | 1 | $6,425.16 | $1,191.96 | $535.43 | $99.33 | 34.536% | 34.536% | 34.536% | 02/11/2026 | 800 | No | No | [Borrower - |
Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,295.00 | 6.130% | $0.00 | DU | Yes | ApproveEligible | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 18.86 | No | No | $2,419.40 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119833 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.095% | $1,124.08 | $1,124.08 | 6.125% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $4,031.14 | 1 | $3,401.28 | $903.96 | $283.44 | $75.33 | 32.061% | 32.061% | 32.061% | 03/09/2026 | 754 | No | No | [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Tax Return Extension - 2024 [Coborrower]; Transcripts (1040) - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.980% | $4,668.00 | 1.1 | LP / LPA | Accept/Eligible | Yes | No | 6.125% | 0 | 0 | 1 | 0 | 2 | 1 | 0.00 | No | XXXXX | XXXXX | 71.860% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 35.39 | No | No | ($185.33) | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116868 | XXXXX | N/A | No | Yes | $0.00 | 6.472% | $3,274.11 | $3,274.11 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $23,121.62 | 1 | $2,406.96 | $3,900.00 | $200.58 | $325.00 | 34.639% | 34.639% | 34.639% | 02/13/2026 | 797 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.130% | $0.00 | 2.8 | DU | ApproveEligible | No | No | 6.500% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | 26 | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 46.83 | No | No | $0.00 | $18,208.33 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117088 | XXXXX | N/A | No | Yes | $0.00 | 6.224% | $2,105.75 | $2,105.75 | 6.250% | No | No | Employed | Not Employed | US Citizen | US Citizen | $19,593.00 | 1 | $9,870.60 | $3,922.56 | $822.55 | $326.88 | 28.908% | 28.908% | 28.908% | 02/17/2026 | 762 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | 2.3 | DU | ApproveEligible | No | No | 6.250% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 58.590% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.82 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117256 | XXXXX | N/A | No | Yes | $0.00 | 5.855% | $4,113.41 | $4,113.41 | 5.875% | No | No | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | $15,321.89 | 1 | $1,001.64 | $1,154.04 | $83.47 | $96.17 | 48.105% | 48.105% | 48.105% | 02/17/2026 | 736 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.020% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 5.875% | 1 | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Attorney Opinion | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | VISA | VISA | 57.8 | No | No | $0.00 | $12,075.01 | No | No | No | No | 5 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117550 | XXXXX | N/A | No | No | $0.00 | 6.332% | $2,807.41 | $2,807.41 | 6.375% | No | No | Employed | Not Employed | US Citizen | US Citizen | $10,572.07 | 1 | $7,123.80 | $5,223.36 | $593.65 | $435.28 | 49.254% | 49.254% | 49.254% | 02/18/2026 | 739 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | 2.8 | LP / LPA | Accept/Eligible | Yes | No | 6.375% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 437.3 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115866 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $15,143.20 | $18,901.80 | 6.461% | $4,408.54 | $4,408.54 | 6.250% | No | No | Employed | Employed | US Citizen | US Citizen | $19,530.57 | 1 | $3,436.92 | $4,800.24 | $286.41 | $400.02 | 44.760% | 44.760% | 44.760% | 02/06/2026 | 797 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $15,143.20 | 6.100% | $0.00 | 4.4 | DU | ApproveEligible | No | No | 6.250% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 61.010% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 66.35 | No | No | $0.00 | $4,291.66 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115520 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $7,628.59 | $9,001.34 | 6.429% | $2,604.48 | $2,604.48 | 6.250% | No | No | Employed | Not Employed | US Citizen | US Citizen | $21,065.86 | 1 | $1,392.48 | $818.88 | $116.04 | $68.24 | 27.774% | 27.774% | 27.774% | 02/03/2026 | 798 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $7,628.59 | 6.100% | $0.00 | 2.9 | DU | ApproveEligible | No | No | 6.250% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 73.820% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 86.87 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115523 | XXXXX | N/A | No | Yes | $0.00 | 6.382% | $4,585.44 | $4,585.44 | 6.375% | No | No | Employed | Not Employed | US Citizen | US Citizen | $12,997.18 | 1 | $10,798.44 | $567.00 | $899.87 | $47.25 | 48.006% | 48.006% | 48.006% | 02/05/2026 | 804 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | 4.1 | DU | ApproveEligible | Yes | No | 6.375% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 71.05 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115606 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,833.43 | $4,371.73 | 6.756% | $1,536.23 | $1,536.23 | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $17,175.04 | 1 | $3,209.16 | $1,467.96 | $267.43 | $122.33 | 31.422% | 31.422% | 31.422% | 01/16/2026 | 773 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,833.43 | 6.100% | $8,500.00 | 1.2 | LP / LPA | Accept/Eligible | Yes | No | 6.625% | 1 | 1 | 0 | 0 | 4 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 74.760% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 78.52 | No | No | $0.00 | $9,210.98 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119188 | XXXXX | N/A | No | Yes | $2,746.74 | $3,682.96 | 6.614% | $786.08 | $786.08 | 6.375% | No | No | Self-Employed | US Citizen | $11,489.53 | 1 | $757.32 | $942.96 | $63.11 | $78.58 | 26.884% | 26.884% | 26.884% | 12/15/2025 | 780 | No | No | Borrower Prepared | [Borrower - |
Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,746.74 | 5.980% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.375% | 3 | 2 | 0 | 3 | 2 | 12.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 156.39 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119751 | XXXXX | N/A | No | Yes | $0.00 | 6.476% | $2,035.26 | $2,035.26 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $8,402.79 | 1 | $7,182.48 | $1,495.32 | $598.54 | $124.61 | 12.733% | 12.733% | 12.733% | 01/06/2026 | 775 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2024 |
[Borrower]; Transcripts (1040) - 2026 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; Transcripts (1040) - 2026 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.120% | $0.00 | 2.6 | LP / LPA | Accept/Eligible | Yes | No | 6.500% | 1 | 2 | 1 | 0 | 2 | 1 | 0.00 | No | XXXXX | XXXXX | No | 25 | 24 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 37.96 | No | No | $0.00 | $6,292.19 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116574 | XXXXX | N/A | No | Yes | $0.00 | 6.257% | $5,510.67 | $5,510.67 | 6.250% | No | No | Employed | US Citizen | $15,834.22 | 1 | $21,615.12 | $2,217.00 | $1,801.26 | $184.75 | 38.917% | 38.917% | 38.917% | 02/11/2026 | 763 | No | No | [Borrower - |
Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.130% | $0.00 | 2.6 | DU | ApproveEligible | Yes | No | 6.250% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.87 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114542 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.350% | $3,102.19 | $3,102.19 | 6.375% | No | No | Employed | US Citizen | $7,233.63 | 2 | $6,165.72 | $1,653.96 | $513.81 | $137.83 | 42.615% | 42.615% | 42.615% | 02/02/2026 | 773 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $9,000.00 | DU | ApproveEligible | N/A | No | 6.375% | 0 | 1 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | 73.840% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 87.8 | No | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116334 | XXXXX | N/A | No | Yes | $0.00 | 6.460% | $3,432.13 | $3,432.13 | 6.500% | No | No | Employed | US Citizen | $31,799.12 | 1 | $2,011.92 | $2,217.00 | $167.66 | $184.75 | 21.664% | 21.664% | 21.664% | 02/10/2026 | 777 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.130% | $0.00 | 5.0 | DU | ApproveEligible | Yes | No | 6.500% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.61 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115478 | XXXXX | Safe Harbor QM (APOR) | Yes | No | $1,620.00 | $5,713.40 | 6.271% | $5,689.23 | $5,689.23 | 6.250% | No | No | Employed | Employed | US Citizen | US Citizen | $85,819.74 | 1 | $7,152.48 | $10,032.60 | $596.04 | $836.05 | 15.234% | 15.234% | 15.234% | 02/05/2026 | 788 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | Onslow Bay | $1,620.00 | 6.100% | $0.00 | 2.2 | DU | ApproveIneligible | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 21 | 14 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 77.7 | No | No | $0.00 | $19,706.72 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120535 | XXXXX | N/A | No | Yes | $0.00 | 6.219% | $3,203.58 | $3,203.58 | 6.250% | No | No | Employed | Employed | US Citizen | US Citizen | $15,127.61 | 1 | $1,959.00 | $2,913.96 | $163.25 | $242.83 | 44.228% | 44.228% | 44.228% | 02/19/2026 | 728 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.020% | $0.00 | 2.5 | LP / LPA | Accept/Eligible | No | No | 6.250% | 0 | 0 | 1 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | No | 25 | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 43 | No | No | ($101.67) | $4,948.60 | No | No | No | No | 6 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119363 | XXXXX | N/A | No | Yes | $0.00 | 5.847% | $3,989.92 | $3,989.92 | 5.875% | No | No | Employed | Employed | US Citizen | US Citizen | $19,203.01 | 1 | $2,550.00 | $3,189.00 | $212.50 | $265.75 | 30.231% | 30.231% | 30.231% | 02/19/2026 | 728 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.980% | $0.00 | 3.7 | DU | ApproveEligible | No | No | 5.875% | 0 | 0 | 1 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | No | 26 | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 34.78 | No | No | ($101.67) | $4,948.60 | No | No | No | No | 6 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118197 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $4,668.94 | $2,413.84 | 6.051% | $1,930.09 | $1,930.09 | 6.000% | No | No | Self-Employed | US Citizen | $21,347.96 | 1 | $1,343.16 | $1,032.00 | $111.93 | $86.00 | 21.392% | 21.392% | 21.392% | 02/23/2026 | 784 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $4,668.94 | 5.990% | $0.00 | DU | ApproveEligible | No | No | 6.000% | 2 | 1 | 0 | 3 | 0 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 322.2 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115763 | XXXXX | N/A | No | Yes | $0.00 | 6.213% | $3,436.93 | $3,436.93 | 6.250% | No | No | Employed | US Citizen | $22,825.60 | 1 | $6,643.44 | $4,571.04 | $553.62 | $380.92 | 32.285% | 32.285% | 32.285% | 02/06/2026 | 829 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | 2.1 | DU | ApproveEligible | Yes | No | 6.250% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 13 | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 395.44 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114142 | XXXXX | N/A | No | Yes | $0.00 | 6.353% | $1,166.01 | $1,166.01 | 6.375% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $27,836.68 | 1 | $4,322.28 | $1,641.96 | $360.19 | $136.83 | 40.073% | 40.073% | 40.073% | 01/13/2026 | 743 | No | No | Borrower Prepared | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Other - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Farming]; 1040 - Schedule F - 2024 [Borrower - | Non-Primary Income - Farming]; 1040 - Schedule F - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.140% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.375% | 2 | 2 | 2 | 0 | 3 | 2 | 12.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 154.06 | No | No | $0.00 | $13,265.67 | No | No | No | No | 10 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117886 | XXXXX | N/A | No | Yes | $0.00 | 6.604% | $2,961.98 | $2,961.98 | 6.625% | No | No | Employed | US Citizen | $8,320.38 | 4 | $11,282.16 | $3,107.52 | $940.18 | $258.96 | 38.897% | 38.897% | 38.897% | 02/10/2026 | 773 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | DU | ApproveEligible | N/A | No | 6.625% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.95 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115401 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,470.00 | $5,254.54 | 6.167% | $3,797.57 | $3,797.57 | 6.125% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $23,107.11 | 1 | $9,753.72 | $4,610.76 | $812.81 | $384.23 | 32.036% | 32.036% | 32.036% | 02/02/2026 | 784 | No | No | [Borrower - |
Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; Business License - 2016 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,470.00 | 6.100% | $0.00 | 2.6 | DU | ApproveEligible | Yes | No | 6.125% | 1 | 0 | 1 | 0 | 3 | 1 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 113.79 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116488 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,370.00 | $4,912.06 | 6.488% | $1,965.19 | $1,965.19 | 6.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $11,267.55 | 1 | $2,770.08 | $981.84 | $230.84 | $81.82 | 35.722% | 35.722% | 35.722% | 02/11/2026 | 777 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,370.00 | 6.130% | $0.00 | 2.2 | DU | ApproveEligible | No | No | 6.375% | 2 | 0 | 2 | 0 | 3 | 2 | No | Not Stated | XXXXX | XXXXX | 76.310% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 53.58 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115710 | XXXXX | N/A | No | Yes | $0.00 | 6.214% | $3,343.10 | $3,343.10 | 6.250% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $33,921.39 | 1 | $6,607.92 | $600.72 | $550.66 | $50.06 | 41.301% | 41.301% | 41.301% | 12/05/2025 | 790 | No | No | [Borrower - |
Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.980% | $0.00 | LP / LPA | Accept/Eligible | No | No | 6.250% | 0 | 0 | 1 | 0 | 3 | 0 | No | XXXXX | XXXXX | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 115.72 | No | No | $242.00 | $57,304.43 | No | No | No | No | 10 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116095 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.832% | $1,576.10 | $1,576.10 | 6.875% | No | No | Employed | Not Employed | US Citizen | US Citizen | $11,329.84 | 1 | $5,880.24 | $1,012.80 | $490.02 | $84.40 | 39.574% | 39.574% | 39.574% | 03/04/2026 | 749 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.130% | $4,900.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.875% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 37.530% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.89 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115712 | XXXXX | N/A | No | Yes | $0.00 | 6.462% | $5,064.13 | $5,064.13 | 6.500% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $35,419.52 | 1 | $3,756.36 | $584.76 | $313.03 | $48.73 | 38.708% | 38.708% | 38.708% | 12/05/2025 | 790 | No | No | [Borrower - |
Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.980% | $0.00 | DU | ApproveEligible | No | No | 6.500% | 0 | 0 | 1 | 0 | 3 | 0 | No | XXXXX | XXXXX | No | 13 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 91.91 | No | No | $242.00 | $57,304.43 | No | No | No | No | 10 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114335 | XXXXX | N/A | No | Yes | $0.00 | 6.106% | $6,076.11 | $6,076.11 | 6.125% | No | No | Not Employed | US Citizen | $6,779.51 | 1 | $22,583.40 | $5,168.04 | $1,881.95 | $430.67 | 46.951% | 46.951% | 46.951% | 01/30/2026 | 777 | No | No | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.140% | $0.00 | 1.2 | DU | ApproveEligible | No | No | 6.125% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 35.12 | No | No | $0.00 | $0.00 | No | No | No | No | 8 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114773 | XXXXX | N/A | No | Yes | $0.00 | 6.486% | $1,390.88 | $1,390.88 | 6.500% | No | No | Self-Employed | US Citizen | $12,069.00 | 1 | $5,245.80 | $1,504.92 | $437.15 | $125.41 | 49.390% | 49.390% | 49.390% | 01/07/2026 | 781 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.500% | 1 | 1 | 0 | 3 | 0 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 311.79 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118814 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.340% | $1,338.20 | $1,338.20 | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $26,442.44 | 1 | $2,608.68 | $1,434.00 | $217.39 | $119.50 | 9.159% | 9.159% | 9.159% | 02/25/2026 | 790 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.990% | $1,500.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.375% | 1 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 44.830% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.08 | Yes | No | $0.00 | $11,108.34 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115664 | XXXXX | N/A | No | Yes | $0.00 | 6.090% | $3,793.07 | $3,793.07 | 6.125% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $33,773.20 | 1 | $4,717.32 | $769.32 | $393.11 | $64.11 | 41.312% | 41.312% | 41.312% | 12/05/2025 | 790 | No | No | [Borrower - |
Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.980% | $0.00 | DU | ApproveEligible | No | No | 6.125% | 0 | 0 | 1 | 0 | 3 | 0 | No | XXXXX | XXXXX | No | 13 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 93.07 | No | No | $0.00 | $57,304.43 | No | No | No | No | 10 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118263 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.588% | $720.35 | $720.35 | 6.625% | No | No | Employed | Not Employed | Permanent Resident Alien | Permanent Resident Alien | $34,658.89 | 1 | $1,955.16 | $1,427.04 | $162.93 | $118.92 | 28.962% | 28.962% | 28.962% | 01/29/2026 | 780 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.990% | $0.00 | 1.2 | LP / LPA | Accept/Eligible | Yes | No | 6.625% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 98.540% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 106.33 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119016 | XXXXX | N/A | No | Yes | $0.00 | 6.464% | $2,724.21 | $2,724.21 | 6.500% | No | No | Employed | Employed | Not Employed | Not Employed | 0 | 0 | US Citizen | US Citizen | US Citizen | US Citizen | $11,735.76 | 2 | $6,300.12 | $1,546.56 | $525.01 | $128.88 | 45.449% | 45.449% | 45.449% | 02/12/2026 | 796 | 817 | 840 | 825 | 817 | 840 | 825 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.990% | $0.00 | LP / LPA | Accept/Eligible | No | No | 6.500% | 0 | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 26 | 17 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.68 | No | No | $0.00 | $9,926.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115542 | XXXXX | N/A | No | Yes | $0.00 | 6.090% | $2,614.24 | $2,614.24 | 6.125% | No | No | Not Employed | Employed | US Citizen | US Citizen | $8,440.01 | 1 | $8,922.00 | $1,235.76 | $743.50 | $102.98 | 46.993% | 46.993% | 46.993% | 01/27/2026 | 738 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.980% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.125% | 0 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 99.200% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 115.65 | No | No | $0.00 | $15,922.40 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118322 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,745.00 | $4,103.04 | 6.670% | $3,841.87 | $3,841.87 | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $8,534.35 | 1 | $7,615.92 | $2,970.96 | $634.66 | $247.58 | 42.156% | 42.156% | 42.156% | 02/24/2026 | 798 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,745.00 | 5.990% | $0.00 | 2.6 | DU | ApproveEligible | Yes | No | 6.625% | 2 | 2 | 1 | 0 | 3 | 2 | 0.00 | No | Not Stated | XXXXX | XXXXX | 38.590% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.82 | No | No | $0.00 | $7,433.33 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117483 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,695.00 | $3,466.38 | 6.377% | $1,354.58 | $1,354.58 | 6.250% | No | No | Employed | US Citizen | $8,413.78 | 1 | $3,569.40 | $1,127.04 | $297.45 | $93.92 | 28.576% | 28.576% | 28.576% | 02/18/2026 | 716 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,695.00 | 6.100% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.250% | 2 | 0 | 0 | 0 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 63.6 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118949 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $100.00 | $809.47 | 6.388% | $1,004.43 | $1,004.43 | 6.375% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $8,018.30 | 1 | $7,090.80 | $1,176.00 | $590.90 | $98.00 | 39.356% | 39.356% | 39.356% | 02/13/2026 | 793 | Yes | No | [Borrower - |
Primary Income - Social Security]; Award Letter / Continuance Letter -
2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $100.00 | 5.990% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 240 | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 750.67 | No | No | $1,878.90 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118531 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $400.00 | $1,640.29 | 6.522% | $2,022.62 | $2,022.62 | 6.500% | No | No | Employed | US Citizen | $4,212.97 | 1 | $2,255.04 | $1,673.04 | $187.92 | $139.42 | 44.749% | 44.749% | 44.749% | 02/24/2026 | 804 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $400.00 | 5.990% | $0.00 | LP / LPA | Yes | Accept/Eligible | N/A | No | 6.500% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 7.18 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121484 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $5,114.50 | $7,388.16 | 6.992% | $3,441.78 | $3,441.78 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $11,588.68 | 1 | $2,639.04 | $4,244.40 | $219.92 | $353.70 | 48.750% | 48.750% | 48.750% | 02/20/2026 | 773 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Non-Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Non-Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $5,114.50 | 6.020% | $0.00 | 3.3 | DU | ApproveEligible | No | No | 6.875% | 2 | 1 | 2 | 0 | 4 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 38.290% | No | 26 | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 37.14 | Yes | No | $889.92 | $9,181.08 | No | No | No | No | 9 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114899 | XXXXX | N/A | No | Yes | $0.00 | 5.737% | $3,655.39 | $3,655.39 | 5.750% | No | No | Not Employed | Employed | US Citizen | US Citizen | $19,123.38 | 1 | $12,897.72 | $2,400.00 | $1,074.81 | $200.00 | 40.229% | 40.229% | 40.229% | 02/02/2026 | 732 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | 1.5 | DU | ApproveEligible | No | No | 5.750% | 0 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 33.76 | No | No | $0.00 | $31,994.36 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115355 | XXXXX | N/A | No | Yes | $0.00 | 6.343% | $1,941.80 | $1,941.80 | 6.375% | No | No | Employed | US Citizen | $23,501.04 | 1 | $4,702.20 | $0.00 | $391.85 | $0.00 | 41.351% | 41.351% | 41.351% | 02/05/2026 | 761 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Other - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | 2.9 | DU | ApproveEligible | Yes | No | 6.375% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 46.880% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 24.75 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116704 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,320.00 | $5,253.21 | 6.915% | $4,519.67 | $4,519.67 | 6.875% | No | No | Employed | US Citizen | $24,965.15 | 1 | $2,706.00 | $2,856.00 | $225.50 | $238.00 | 43.194% | 43.194% | 43.194% | 01/23/2026 | 757 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,320.00 | 6.130% | $0.00 | 2.3 | DU | ApproveEligible | No | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 24.770% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.02 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116533 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.229% | $942.05 | $942.05 | 6.250% | No | No | Employed | US Citizen | $10,227.53 | 1 | $3,977.88 | $1,308.12 | $331.49 | $109.01 | 29.587% | 29.587% | 29.587% | 02/11/2026 | 811 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.130% | $4,000.00 | 2.6 | LP / LPA | Accept/Eligible | No | No | 6.250% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 12 | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 951.63 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117361 | XXXXX | N/A | No | Yes | $0.00 | 6.093% | $1,719.54 | $1,719.54 | 6.125% | No | No | Employed | Employed | US Citizen | US Citizen | $10,244.46 | 1 | $1,060.44 | $1,842.96 | $88.37 | $153.58 | 46.468% | 46.468% | 46.468% | 02/17/2026 | 809 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | 1.6 | DU | ApproveEligible | Yes | No | 6.125% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 24.86 | No | No | $0.00 | $13,304.18 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119601 | XXXXX | N/A | No | Yes | $2,370.00 | $5,080.29 | 7.439% | $3,315.24 | $3,315.24 | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $8,348.14 | 1 | $6,056.88 | $906.00 | $504.74 | $75.50 | 34.408% | 34.408% | 34.408% | 01/19/2026 | 733 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Housing Allowance]; Paystubs - 2026 [Coborrower(s) - | Non-Primary Income - Housing Allowance]; W-2 - 2025 [Coborrower(s) - | Non-Primary Income - Housing Allowance]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,370.00 | 5.980% | $0.00 | 2.3 | LP / LPA | Accept/Eligible | Yes | No | 7.375% | 2 | 2 | 0 | 0 | 4 | 0 | 0.00 | No | XXXXX | XXXXX | 30.200% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.49 | No | No | $2,601.95 | $1,259.57 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116398 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,370.00 | $4,926.18 | 6.717% | $2,407.57 | $2,407.57 | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $6,858.37 | 1 | $1,850.40 | $7,144.92 | $154.20 | $595.41 | 41.659% | 41.659% | 41.659% | 02/10/2026 | 783 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,370.00 | 6.130% | $5,640.00 | 1.1 | DU | ApproveEligible | Yes | No | 6.625% | 1 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 54.150% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 46.98 | No | No | $0.00 | $7,057.57 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119256 | XXXXX | N/A | No | Yes | $0.00 | 6.858% | $1,822.98 | $1,822.98 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $20,045.50 | 1 | $5,233.08 | $5,033.04 | $436.09 | $419.42 | 31.195% | 31.195% | 31.195% | 02/27/2026 | 798 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.980% | $0.00 | 1.6 | DU | ApproveEligible | No | No | 6.875% | 1 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 92.48 | No | No | $0.00 | $20,393.05 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115389 | XXXXX | N/A | No | Yes | $0.00 | 6.365% | $2,411.81 | $2,411.81 | 6.375% | No | No | Employed | US Citizen | $16,416.14 | 1 | $6,909.00 | $1,361.04 | $575.75 | $113.42 | 17.919% | 17.919% | 17.919% | 11/13/2025 | 803 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $10,308.02 | 2.5 | DU | ApproveEligible | No | No | 6.375% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 30.710% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.54 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117232 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.239% | $1,293.01 | $1,293.01 | 6.250% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $31,133.18 | 1 | $2,669.76 | $1,408.44 | $222.48 | $117.37 | 21.581% | 21.581% | 21.581% | 02/20/2026 | 795 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2018 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $5,500.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.250% | 3 | 1 | 2 | 0 | 2 | 2 | No | XXXXX | XXXXX | 60.150% | No | 0 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 43.76 | No | No | $0.00 | $4,166.67 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120499 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,790.00 | $4,191.15 | 7.088% | $2,646.57 | $2,646.57 | 7.000% | No | No | Not Employed | Employed | Employed | 4.03 | US Citizen | US Citizen | US Citizen | $11,628.40 | 1 | $7,880.28 | $2,649.24 | $656.69 | $220.77 | 49.258% | 49.258% | 49.258% | 01/30/2026 | 715 | 788 | 784 | 786 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - |
Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,790.00 | 6.020% | $2,500.00 | 2.8 | DU | ApproveEligible | Yes | No | 7.000% | 0 | 2 | 1 | 0 | 3 | 1 | 0.00 | No | Not Stated | XXXXX | XXXXX | 38.430% | No | 25 | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.9 | No | No | $0.00 | $22,916.68 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117507 | XXXXX | N/A | No | Yes | $1,675.00 | $3,924.13 | 6.448% | $2,526.67 | $2,526.67 | 6.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $7,702.82 | 1 | $5,807.16 | $542.04 | $483.93 | $45.17 | 49.467% | 49.467% | 49.467% | 03/12/2026 | 747 | No | No | [Borrower - |
Primary Income - Sole Proprietor]; Telephone Listing / Internet Search /
Directory Assistance - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,675.00 | 6.100% | $0.00 | 1.1 | LP / LPA | Accept/Eligible | Yes | No | 6.375% | 0 | 0 | 1 | 0 | 3 | 2 | No | XXXXX | XXXXX | No | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 752.74 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118940 | XXXXX | N/A | No | Yes | $0.00 | 6.342% | $1,216.55 | $1,216.55 | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $15,222.75 | 1 | $2,288.28 | $2,097.96 | $190.69 | $174.83 | 21.312% | 21.312% | 21.312% | 02/20/2026 | 793 | No | No | [Borrower - |
Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Housing Allowance]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Non-Primary Income - Rations]; Leave and Earnings Statement (LES) - 2026 [Coborrower(s) - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Non-Primary Income - Housing Allowance]; Leave and Earnings Statement (LES) - 2026 [Coborrower(s) - | Non-Primary Income - Rations]; Leave and Earnings Statement (LES) - 2026 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $5,000.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.375% | 1 | 1 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 64.450% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 60.23 | No | No | $2,897.95 | $5,193.60 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115722 | XXXXX | N/A | No | Yes | $2,456.66 | $5,306.66 | 6.560% | $3,423.28 | $3,423.28 | 6.500% | No | No | Employed | US Citizen | $17,047.32 | 1 | $7,009.68 | $1,233.96 | $584.14 | $102.83 | 47.279% | 47.279% | 47.279% | 01/27/2026 | 783 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | Onslow Bay | $2,456.66 | 6.130% | $0.00 | 2.1 | DU | ApproveEligible | No | No | 6.500% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 30.000% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.34 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116040 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,220.00 | $3,925.53 | 6.607% | $898.37 | $898.37 | 6.375% | No | No | Employed | Not Employed | US Citizen | US Citizen | $8,400.36 | 1 | $4,135.44 | $1,055.04 | $344.62 | $87.92 | 30.766% | 30.766% | 30.766% | 01/28/2026 | 768 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,220.00 | 5.980% | $0.00 | 1.8 | DU | ApproveEligible | Yes | No | 6.375% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | 7 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 222.9 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119045 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,370.00 | $4,511.10 | 7.324% | $3,122.69 | $3,122.69 | 7.125% | No | No | Employed | US Citizen | $19,534.81 | 1 | $1,337.04 | $2,869.80 | $111.42 | $239.15 | 39.112% | 39.112% | 39.112% | 02/02/2026 | 780 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,370.00 | 5.990% | $10,300.00 | 4.5 | DU | ApproveEligible | No | No | 7.125% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 30.630% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 29.73 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118822 | XXXXX | N/A | No | Yes | $0.00 | 6.226% | $1,077.51 | $1,077.51 | 6.250% | No | No | Employed | US Citizen | $11,422.24 | 1 | $6,893.40 | $1,071.96 | $574.45 | $89.33 | 48.991% | 48.991% | 48.991% | 02/13/2026 | 797 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2026 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2026 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.990% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.250% | 1 | 1 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | No | 26 | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 366.72 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116801 | XXXXX | N/A | No | Yes | $0.00 | 6.721% | $3,317.42 | $3,317.42 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $11,934.05 | 1 | $8,168.04 | $2,094.96 | $680.67 | $174.58 | 45.857% | 45.857% | 45.857% | 02/08/2026 | 753 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.130% | $0.00 | 2.7 | LP / LPA | Accept/Eligible | No | No | 6.750% | 0 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 0 | 13 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 25.01 | No | No | $0.00 | $7,041.66 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116036 | XXXXX | N/A | No | Yes | $0.00 | 6.888% | $2,039.84 | $2,039.84 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $23,206.40 | 1 | $6,006.48 | $7,871.28 | $500.54 | $655.94 | 33.969% | 33.969% | 33.969% | 03/09/2026 | 712 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - VA Service Related Disability]; Other - 2026 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.990% | $0.00 | 4.1 | DU | ApproveEligible | No | No | 6.750% | 1 | 1 | 1 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | 30.370% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.6 | No | No | $0.00 | $17,614.13 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117351 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,320.00 | $3,732.80 | 6.464% | $1,824.82 | $1,824.82 | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $23,936.98 | 1 | $4,618.08 | $1,484.76 | $384.84 | $123.73 | 18.799% | 18.799% | 18.799% | 02/11/2026 | 788 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,320.00 | 6.100% | $0.00 | 2.5 | LP / LPA | Accept/Eligible | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 49.020% | No | 20 | 18 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.08 | No | No | $0.00 | $14,449.99 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116806 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,465.00 | $4,571.00 | 7.242% | $2,862.13 | $2,862.13 | 7.000% | No | No | Employed | US Citizen | $9,433.34 | 1 | $5,951.04 | $6,673.32 | $495.92 | $556.11 | 36.571% | 36.571% | 36.571% | 01/20/2026 | 787 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | Onslow Bay | $2,465.00 | 6.130% | $10,000.00 | 1.6 | DU | ApproveEligible | No | No | 7.000% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 14.080% | No | 24 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 2.65 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116885 | XXXXX | N/A | No | Yes | $0.00 | 6.219% | $4,044.02 | $4,044.02 | 6.250% | No | No | Employed | Employed | US Citizen | US Citizen | $13,105.39 | 1 | $5,458.56 | $9,492.12 | $454.88 | $791.01 | 46.172% | 46.172% | 46.172% | 02/10/2026 | 741 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.130% | $0.00 | 1.8 | DU | ApproveEligible | No | No | 6.250% | 2 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 1.010% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.76 | No | No | $0.00 | $2,353.30 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119087 | XXXXX | N/A | No | No | $0.00 | 6.716% | $2,724.11 | $2,724.11 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $9,431.91 | 1 | $7,117.56 | $5,349.60 | $593.13 | $445.80 | 42.176% | 42.176% | 42.176% | 02/17/2026 | 816 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.990% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.750% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 67.370% | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 61.76 | No | No | $0.00 | $6,318.74 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118587 | XXXXX | N/A | No | Yes | $0.00 | 6.490% | $1,384.23 | $1,384.23 | 6.500% | No | No | Employed | US Citizen | $17,881.18 | 1 | $7,042.32 | $3,510.00 | $586.86 | $292.50 | 30.559% | 30.559% | 30.559% | 02/27/2026 | 771 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.990% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.500% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 132.99 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117685 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $5,699.55 | $865.03 | 6.966% | $4,374.55 | $4,374.55 | 6.875% | No | No | Not Employed | Employed | Not Employed | 0 | US Citizen | US Citizen | US Citizen | $12,823.79 | 1 | $7,398.96 | $2,005.20 | $616.58 | $167.10 | 39.260% | 39.260% | 39.260% | 02/24/2026 | 808 | 807 | 829 | 813 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | [Coborrower(s) - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $5,699.55 | 6.100% | $15,000.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 39.660% | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 41.62 | No | No | $0.00 | $21,112.60 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117362 | XXXXX | N/A | No | Yes | $0.00 | 7.088% | $2,270.43 | $2,270.43 | 7.125% | No | No | Employed | Employed | US Citizen | US Citizen | $5,448.03 | 1 | $6,312.00 | $873.36 | $526.00 | $72.78 | 49.921% | 49.921% | 49.921% | 01/07/2026 | 709 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | 1.1 | DU | ApproveEligible | Yes | No | 7.125% | 1 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 46.760% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.28 | No | No | $0.00 | $5,232.93 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117468 | XXXXX | N/A | No | Yes | $0.00 | 6.864% | $841.53 | $841.53 | 6.875% | No | No | Employed | US Citizen | $9,320.13 | 2 | $3,934.56 | $1,614.96 | $327.88 | $134.58 | 45.018% | 45.018% | 45.018% | 03/05/2026 | 794 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | DU | ApproveEligible | No | No | 6.875% | 2 | 1 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 37.81 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117793 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,690.00 | $2,781.78 | 6.471% | $1,497.29 | $1,497.29 | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $23,208.40 | 1 | $6,834.36 | $1,581.60 | $569.53 | $131.80 | 11.934% | 11.934% | 11.934% | 02/24/2026 | 796 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,690.00 | 6.100% | $14,950.00 | 4.6 | DU | ApproveEligible | No | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 85.720% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 67.33 | No | No | $0.00 | $17,083.28 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116931 | XXXXX | N/A | No | Yes | $0.00 | 6.591% | $1,944.94 | $1,944.94 | 6.625% | No | No | Employed | Self-Employed | US Citizen | Permanent Resident Alien | $8,913.18 | 1 | $5,863.56 | $782.04 | $488.63 | $65.17 | 39.850% | 39.850% | 39.850% | 01/08/2026 | 768 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | Onslow Bay | 6.130% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.625% | 2 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 68.460% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 51.68 | No | No | $4,318.25 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118657 | XXXXX | N/A | No | Yes | $0.00 | 6.591% | $1,255.01 | $1,255.01 | 6.625% | No | No | Employed | US Citizen | $4,708.48 | 1 | $2,673.96 | $869.64 | $222.83 | $72.47 | 46.946% | 46.946% | 46.946% | 02/25/2026 | 763 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Business License - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.990% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.625% | 2 | 1 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.58 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117845 | XXXXX | N/A | No | Yes | $0.00 | 6.614% | $3,232.29 | $3,232.29 | 6.625% | No | No | Employed | US Citizen | $20,016.63 | 1 | $7,983.00 | $1,131.96 | $665.25 | $94.33 | 49.326% | 49.326% | 49.326% | 02/19/2026 | 746 | No | No | [Borrower - |
Primary Income - Wages]; Account Statements - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.625% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 64.440% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 65.66 | No | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115225 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.242% | $1,363.15 | $1,363.15 | 6.250% | No | No | Non-Employment Income | Self-Employed | US Citizen | US Citizen | $18,746.26 | 1 | $6,971.16 | $1,124.40 | $580.93 | $93.70 | 17.983% | 17.983% | 17.983% | 02/04/2026 | 809 | No | No | [Borrower - |
Primary Income - Social Security]; Award Letter / Continuance Letter -
2025 [Borrower - | Non-Primary Income - VA Service Related Disability]; Other - 2026 [Borrower - | Non-Primary Income - VA Service Related Disability]; Other - 2026 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $10,099.00 | 1.0 | DU | ApproveEligible | No | No | 6.250% | 0 | 2 | 1 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | 66.910% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.55 | No | No | $19,093.58 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116743 | XXXXX | N/A | No | Yes | $0.00 | 6.342% | $1,135.01 | $1,135.01 | 6.375% | No | No | Employed | US Citizen | $19,804.20 | 1 | $2,671.20 | $756.00 | $222.60 | $63.00 | 36.260% | 36.260% | 36.260% | 01/21/2026 | 723 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.130% | $2,650.00 | 5.0 | LP / LPA | Accept/Eligible | Yes | No | 6.375% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 722.3 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115018 | XXXXX | N/A | No | Yes | $0.00 | 6.721% | $2,412.78 | $2,412.78 | 6.750% | No | No | Non-Employment Income | US Citizen | $5,143.65 | 1 | $1,888.32 | $2,639.04 | $157.36 | $219.92 | 33.603% | 33.603% | 33.603% | 01/19/2026 | 823 | No | No | [Borrower - |
Primary Income - Pension]; Account Statements - 2026 [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Pension]; Paystubs - 2025 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $9,300.00 | 1.1 | LP / LPA | Accept/Eligible | Yes | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 25.880% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.36 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115282 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,059.40 | $1,901.61 | 6.418% | $2,226.59 | $2,226.59 | 6.375% | No | No | Employed | US Citizen | $7,750.98 | 1 | $1,597.08 | $633.00 | $133.09 | $52.75 | 44.816% | 44.816% | 44.816% | 02/24/2026 | 797 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,059.40 | 5.990% | $0.00 | 3.2 | DU | ApproveEligible | No | No | 6.375% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.07 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117118 | XXXXX | N/A | No | Yes | $0.00 | 6.115% | $2,943.27 | $2,943.27 | 6.125% | No | No | Employed | US Citizen | $9,704.84 | 2 | $15,222.24 | $5,489.76 | $1,268.52 | $457.48 | 43.419% | 43.419% | 43.419% | 02/16/2026 | 799 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | DU | ApproveEligible | No | No | 6.125% | 0 | 1 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 99.13 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118000 | XXXXX | Safe Harbor QM (APOR) | Yes | No | $1,695.00 | $3,363.92 | 6.195% | $2,169.17 | $2,169.17 | 6.125% | No | No | Self-Employed | US Citizen | $27,496.69 | 1 | $4,196.16 | $1,107.00 | $349.68 | $92.25 | 18.334% | 18.334% | 18.334% | 03/16/2026 | 804 | No | No | [Borrower - |
Primary Income - C-Corp]; Third Party Verification - 2026 [Borrower - | Primary Income - C-Corp]; 1120 - 2024 [Borrower - | Primary Income - C-Corp]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,695.00 | 6.100% | $266.00 | 1.3 | LP / LPA | Accept/Eligible | Yes | No | 6.125% | 1 | 1 | 0 | 3 | 0 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 158.05 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118366 | XXXXX | Higher Priced QM (APOR) | Yes | Yes | $2,028.88 | $3,181.13 | 7.613% | $1,845.93 | $1,845.93 | 7.500% | No | No | Employed | US Citizen | $10,538.19 | 1 | $1,288.32 | $1,969.44 | $107.36 | $164.12 | 49.494% | 49.494% | 49.494% | 02/04/2026 | 660 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,028.88 | 5.990% | $82,000.00 | DU | ApproveEligible | N/A | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 462.48 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115553 | XXXXX | N/A | No | Yes | $0.00 | 5.866% | $2,336.57 | $2,336.57 | 5.875% | No | No | Not Employed | Employed | US Citizen | US Citizen | $18,159.07 | 1 | $8,733.96 | $1,329.00 | $727.83 | $110.75 | 34.623% | 34.623% | 34.623% | 02/09/2026 | 782 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | 3.3 | LP / LPA | Accept/Eligible | Yes | No | 5.875% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 46.47 | No | No | $0.00 | $27,775.84 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117146 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,790.00 | $3,043.65 | 6.403% | $4,990.96 | $4,990.96 | 6.375% | No | No | Employed | US Citizen | $17,260.74 | 1 | $7,052.52 | $4,434.00 | $587.71 | $369.50 | 40.820% | 40.820% | 40.820% | 02/16/2026 | 800 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,790.00 | 6.100% | $0.00 | 2.4 | LP / LPA | Accept/Eligible | No | No | 6.375% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 77.430% | No | 1 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 85.55 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118648 | XXXXX | N/A | No | Yes | $0.00 | 6.242% | $4,310.02 | $4,310.02 | 6.250% | No | No | Employed | Employed | US Citizen | US Citizen | $13,213.46 | 1 | $3,390.12 | $2,945.52 | $282.51 | $245.46 | 37.187% | 37.187% | 37.187% | 12/30/2025 | 718 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; Business License - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.020% | $0.00 | 3.4 | LP / LPA | Accept/Eligible | No | No | 6.250% | 2 | 1 | 1 | 0 | 2 | 2 | 0.00 | No | XXXXX | XXXXX | No | 12 | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | 77.57 | No | No | $0.00 | $7,071.24 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115949 | XXXXX | N/A | No | Yes | $0.00 | 5.989% | $1,603.80 | $1,603.80 | 6.000% | No | No | Employed | Employed | Permanent Resident Alien | US Citizen | $26,213.45 | 1 | $8,826.84 | $1,236.84 | $735.57 | $103.07 | 21.237% | 21.237% | 21.237% | 02/17/2026 | 747 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.130% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.000% | 2 | 2 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | No | 25 | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 96.09 | No | No | $0.00 | $11,530.70 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113836 | XXXXX | N/A | No | Yes | $0.00 | 5.992% | $5,992.51 | $5,992.51 | 6.000% | No | No | Non-Employment Income | US Citizen | $33,212.20 | 1 | $18,668.64 | $3,609.00 | $1,555.72 | $300.75 | 21.998% | 21.998% | 21.998% | 02/27/2026 | 773 | No | No | [Borrower - |
Primary Income - Capital Gains]; Other - 2024 [Borrower - | Primary Income - Capital Gains]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.140% | $0.00 | 2.3 | DU | ApproveEligible | No | No | 6.000% | 0 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | 251.54 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120277 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $6,311.69 | $9,309.94 | 7.384% | $5,610.39 | $5,610.39 | 7.125% | No | No | Self-Employed | US Citizen | $43,458.73 | 1 | $7,496.28 | $11,207.40 | $624.69 | $933.95 | 19.987% | 19.987% | 19.987% | 01/12/2026 | 771 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - C-Corp]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - C-Corp]; Balance Sheet - 2025 [Borrower - | Primary Income - C-Corp]; P&L Statement - 2025 [Borrower - | Primary Income - C-Corp]; W-2 - 2025 [Borrower - | Primary Income - C-Corp]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - C-Corp]; W-2 - 2024 [Borrower - | Primary Income - C-Corp]; 1120 - 2023 [Borrower - | Primary Income - C-Corp]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - C-Corp]; W-2 - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $6,311.69 | 5.980% | $0.00 | LP / LPA | Yes | Accept/Eligible | N/A | No | 7.125% | 3 | 1 | 0 | 3 | 1 | 12.00 | No | Not Stated | XXXXX | XXXXX | 32.210% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.79 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121239 | XXXXX | N/A | No | Yes | $0.00 | 7.238% | $2,053.35 | $2,053.35 | 7.250% | No | No | Employed | US Citizen | $9,706.89 | 1 | $4,238.28 | $1,422.96 | $353.19 | $118.58 | 33.262% | 33.262% | 33.262% | 03/05/2026 | 799 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.020% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 39.470% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.99 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115498 | XXXXX | N/A | No | Yes | $0.00 | 5.978% | $1,428.43 | $1,428.43 | 6.000% | No | No | Self-Employed | US Citizen | $5,993.57 | 1 | $2,693.76 | $1,482.96 | $224.48 | $123.58 | 49.342% | 49.342% | 49.342% | 02/05/2026 | 792 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | 4.9 | LP / LPA | Accept/Eligible | No | No | 6.000% | 1 | 1 | 0 | 3 | 1 | No | XXXXX | XXXXX | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 65.44 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117083 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,675.30 | $3,407.29 | 6.644% | $686.26 | $686.26 | 6.375% | No | No | Employed | US Citizen | $4,589.52 | 1 | $2,388.00 | $944.88 | $199.00 | $78.74 | 30.613% | 30.613% | 30.613% | 01/27/2026 | 691 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,675.30 | 6.100% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.375% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 28.32 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118808 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,495.00 | $1,784.90 | 6.534% | $2,926.47 | $2,926.47 | 6.500% | No | No | Employed | US Citizen | $13,236.76 | 1 | $3,341.40 | $1,086.00 | $278.45 | $90.50 | 32.692% | 32.692% | 32.692% | 03/11/2026 | 805 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,495.00 | 5.990% | $0.00 | 1.5 | DU | ApproveEligible | Yes | No | 6.500% | 1 | 0 | 0 | 1 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 9 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 26.84 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119055 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.367% | $2,190.41 | $2,190.41 | 6.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $21,009.50 | 1 | $5,498.76 | $719.04 | $458.23 | $59.92 | 32.620% | 32.620% | 32.620% | 02/27/2026 | 796 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.990% | $500.00 | 1.7 | DU | ApproveEligible | Yes | No | 6.375% | 2 | 0 | 1 | 0 | 3 | 0 | No | XXXXX | XXXXX | 49.180% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 44.45 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118029 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $0.00 | $1,756.28 | 6.014% | $2,997.75 | $2,997.75 | 6.000% | No | No | Self-Employed | US Citizen | $7,987.31 | 1 | $2,573.04 | $2,039.76 | $214.42 | $169.98 | 46.692% | 46.692% | 46.692% | 03/16/2026 | 746 | No | No | [Borrower - |
Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | 2.8 | DU | ApproveEligible | No | No | 6.000% | 0 | 1 | 0 | 3 | 0 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 46.6 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117754 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,465.00 | $4,938.98 | 6.439% | $3,368.90 | $3,368.90 | 6.375% | No | No | Employed | US Citizen | $14,086.20 | 1 | $9,409.20 | $1,122.00 | $784.10 | $93.50 | 43.530% | 43.530% | 43.530% | 02/17/2026 | 799 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,465.00 | 6.100% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 243.05 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117299 | XXXXX | N/A | No | No | $0.00 | 6.847% | $15,766.29 | $15,766.29 | 6.875% | No | No | Not Employed | Employed | US Citizen | US Citizen | $32,286.61 | 1 | $37,968.72 | $4,488.96 | $3,164.06 | $374.08 | 33.565% | 33.565% | 33.565% | 01/30/2026 | 811 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | 1.5 | DU | ApproveIneligible | No | No | 6.875% | 0 | 2 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 37.740% | No | 25 | Yes | Final | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 26.57 | No | No | $0.00 | $48,598.99 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120845 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 7.365% | $2,693.63 | $2,693.63 | 7.375% | No | No | Employed | US Citizen | $11,010.90 | 2 | $7,519.08 | $7,610.04 | $626.59 | $634.17 | 43.252% | 43.252% | 43.252% | 03/06/2026 | 692 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.020% | $4,000.00 | DU | ApproveEligible | No | No | 7.375% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 59.280% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 37.66 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121042 | XXXXX | N/A | No | Yes | $0.00 | 6.996% | $2,255.38 | $2,255.38 | 7.000% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $12,370.56 | 2 | $4,105.08 | $2,337.60 | $342.09 | $194.80 | 35.123% | 35.123% | 35.123% | 02/11/2026 | 717 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; Paystubs - 2026 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; W-2 - 2023 [Coborrower(s) - | Non-Primary Income - K-1 (< 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Non-Primary Income - K-1 (< 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - K-1 (< 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - K-1 (< 25%)]; 1120S - 2023 [Coborrower(s) - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.020% | $0.00 | LP / LPA | Accept/Eligible | No | No | 7.000% | 2 | 2 | 1 | 0 | 3 | 0 | 12.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.23 | No | $1,906.78 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119516 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.866% | $1,295.79 | $1,295.79 | 6.875% | No | No | Employed | US Citizen | $12,301.89 | 2 | $3,630.36 | $2,999.40 | $302.53 | $249.95 | 44.129% | 44.129% | 44.129% | 03/10/2026 | 716 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.980% | $5,000.00 | DU | ApproveEligible | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 21 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 132.14 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122107 | XXXXX | N/A | No | Yes | $0.00 | 6.616% | $2,945.43 | $2,945.43 | 6.625% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $14,030.65 | 1 | $2,556.60 | $1,244.04 | $213.05 | $103.67 | 33.411% | 33.411% | 33.411% | 03/23/2026 | 656 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2016 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.120% | $0.00 | 1.6 | DU | ApproveEligible | Yes | No | 6.625% | 3 | 0 | 1 | 0 | 3 | 2 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 84.3 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116890 | XXXXX | N/A | No | Yes | $0.00 | 5.991% | $1,768.67 | $1,768.67 | 6.000% | No | No | Self-Employed | US Citizen | $37,989.21 | 1 | $5,177.64 | $3,626.04 | $431.47 | $302.17 | 19.847% | 19.847% | 19.847% | 02/13/2026 | 804 | No | No | [Borrower - |
Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Wages]; Other - 2026 [Borrower - | Non-Primary Income - Wages]; Other - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.130% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.000% | 1 | 2 | 0 | 3 | 0 | No | XXXXX | XXXXX | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 116.98 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117342 | XXXXX | Higher Priced QM (APOR) | Yes | Yes | $5,229.75 | $6,311.73 | 8.203% | $1,573.23 | $1,573.23 | 7.500% | No | No | Employed | Permanent Resident Alien | $6,706.51 | 1 | $1,079.52 | $2,637.96 | $89.96 | $219.83 | 40.813% | 40.813% | 40.813% | 02/12/2026 | 697 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $5,229.75 | 6.100% | $23,000.00 | 2.0 | DU | ApproveEligible | No | No | 7.500% | 1 | 1 | 0 | 3 | 1 | 0.00 | No | Not Stated | XXXXX | XXXXX | 59.220% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 71.66 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120390 | XXXXX | N/A | No | Yes | $0.00 | 6.497% | $5,263.55 | $5,263.55 | 6.500% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $14,407.80 | 1 | $14,731.20 | $1,260.96 | $1,227.60 | $105.08 | 36.286% | 36.286% | 36.286% | 03/02/2026 | 782 | No | No | [Borrower - |
Primary Income - VA Service Related Disability]; VA Verification of Benefits
- 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Tax Return Extension - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.980% | $0.00 | 1.2 | DU | ApproveEligible | No | No | 6.500% | 0 | 0 | 1 | 0 | 2 | 1 | 0.00 | No | XXXXX | XXXXX | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 76.71 | No | No | $0.00 | $13,425.62 | No | No | No | No | 6 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122569 | XXXXX | Higher Priced QM (APOR) | Yes | Yes | $23,031.00 | $23,928.28 | 7.809% | $5,593.72 | $5,593.72 | 7.500% | No | No | Employed | Employed | US Citizen | US Citizen | $60,998.50 | 1 | $19,199.88 | $4,582.44 | $1,599.99 | $381.87 | 29.369% | 29.369% | 29.369% | 02/25/2026 | 699 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $23,031.00 | 6.120% | $98,779.50 | 1.5 | DU | ApproveEligible | Yes | No | 7.500% | 1 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | Closed End | No | Not Stated | XXXXX | XXXXX | 28.980% | No | 13 | 24 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.84 | No | No | $0.00 | $7,416.66 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119321 | XXXXX | N/A | No | No | $0.00 | 6.117% | $9,843.29 | $9,843.29 | 6.125% | No | No | Non-Employment Income | US Citizen | $29,648.91 | 1 | $49,235.76 | $4,035.00 | $4,102.98 | $336.25 | 46.722% | 46.722% | 46.722% | 02/27/2026 | 796 | No | No | [Borrower - |
Non-Primary Income - Social Security]; Award Letter / Continuance Letter -
2025 [Borrower - | Primary Income - Annuity]; Account Statements - 2026 [Borrower - | Primary Income - Annuity]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | Onslow Bay | 5.980% | $0.00 | 3.6 | DU | ApproveIneligible | No | No | 6.125% | 0 | 1 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 240.33 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118921 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,590.00 | $3,332.45 | 6.044% | $3,597.30 | $3,597.30 | 6.000% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $7,354.33 | 1 | $2,858.64 | $6,244.20 | $238.22 | $520.35 | 42.771% | 42.771% | 42.771% | 03/02/2026 | 802 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Interest / Dividends]; Account Statements - 2026 [Borrower - | Non-Primary Income - Interest / Dividends]; Account Statements - 2026 [Borrower - | Non-Primary Income - Interest / Dividends]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,590.00 | 6.120% | $0.00 | 4.0 | DU | ApproveEligible | No | No | 6.000% | 2 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 319.46 | No | No | $3,632.08 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119521 | XXXXX | N/A | No | Yes | $0.00 | 6.497% | $1,586.49 | $1,586.49 | 6.500% | No | No | Employed | Not Employed | US Citizen | US Citizen | $7,968.64 | 1 | $1,996.08 | $1,335.96 | $166.34 | $111.33 | 32.177% | 32.177% | 32.177% | 03/03/2026 | 791 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.220% | $0.00 | 1.3 | DU | ApproveEligible | No | No | 6.500% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 26.66 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119565 | XXXXX | N/A | No | Yes | $0.00 | 6.367% | $3,531.10 | $3,531.10 | 6.375% | No | No | Employed | US Citizen | $36,434.13 | 1 | $10,293.60 | $2,427.84 | $857.80 | $202.32 | 37.773% | 37.773% | 37.773% | 02/05/2026 | 708 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | Onslow Bay | 5.980% | $0.00 | 1.8 | DU | ApproveEligible | Yes | No | 6.375% | 1 | 1 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 183.14 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119509 | XXXXX | Higher Priced QM (APOR) | Yes | Yes | $5,079.00 | $6,426.15 | 7.567% | $2,095.70 | $2,095.70 | 7.000% | No | No | Employed | US Citizen | $4,543.00 | 1 | $2,072.04 | $3,047.52 | $172.67 | $253.96 | 49.903% | 49.903% | 49.903% | 02/18/2026 | 759 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $5,079.00 | 5.980% | $5,250.00 | 3.3 | DU | ApproveEligible | Yes | No | 7.000% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 30.160% | No | 3 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 22.5 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118775 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.725% | $1,790.13 | $1,790.13 | 6.750% | No | No | Employed | US Citizen | $3,044.22 | 1 | $498.60 | $1,305.48 | $41.55 | $108.79 | 25.989% | 25.989% | 25.989% | 02/08/2026 | 766 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.990% | $0.00 | 1.3 | LP / LPA | Accept/Eligible | No | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 24.630% | No | 9 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.85 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119626 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.117% | $2,673.49 | $2,673.49 | 6.125% | No | No | Employed | US Citizen | $23,184.33 | 1 | $5,805.48 | $1,761.96 | $483.79 | $146.83 | 46.192% | 46.192% | 46.192% | 02/23/2026 | 802 | No | No | [Borrower - |
Primary Income - Wages]; Account Statements - 2026 [Borrower - | Primary Income - Wages]; Account Statements - 2026 [Borrower - | Primary Income - Wages]; Account Statements - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2026 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Account Statements - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.980% | $400.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.125% | 0 | 1 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 91.170% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 112.08 | No | No | $0.00 | $0.00 | No | No | No | No | 9 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116065 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,370.00 | $3,037.67 | 6.468% | $1,821.08 | $1,821.08 | 6.375% | No | No | Employed | US Citizen | $9,924.81 | 1 | $4,441.92 | $1,190.28 | $370.16 | $99.19 | 42.254% | 42.254% | 42.254% | 01/14/2026 | 775 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,370.00 | 6.130% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.375% | 2 | 1 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 138.7 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115480 | XXXXX | N/A | No | Yes | $0.00 | 6.247% | $1,791.74 | $1,791.74 | 6.250% | No | No | Employed | US Citizen | $3,923.85 | 1 | $5,707.44 | $2,247.96 | $475.62 | $187.33 | 37.727% | 37.727% | 37.727% | 02/05/2026 | 781 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | DU | ApproveEligible | N/A | No | 6.250% | 2 | 1 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | No | 4 | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.66 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116666 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,470.00 | $4,217.23 | 6.568% | $2,730.53 | $2,730.53 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $21,041.66 | 1 | $5,405.64 | $3,566.28 | $450.47 | $297.19 | 33.416% | 33.416% | 33.416% | 02/10/2026 | 724 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,470.00 | 6.130% | $0.00 | 2.6 | DU | ApproveEligible | No | No | 6.500% | 1 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 124.34 | No | No | $0.00 | $18,689.84 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115362 | XXXXX | N/A | No | Yes | $0.00 | 6.123% | $1,974.73 | $1,974.73 | 6.125% | No | No | Self-Employed | US Citizen | $12,414.51 | 1 | $5,780.52 | $3,814.56 | $481.71 | $317.88 | 44.568% | 44.568% | 44.568% | 02/04/2026 | 740 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Tax Return Extension - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | 1.6 | DU | ApproveEligible | Yes | No | 6.125% | 1 | 2 | 0 | 3 | 0 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 10.78 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119717 | XXXXX | N/A | No | Yes | $0.00 | 6.873% | $880.28 | $880.28 | 6.875% | No | No | Non-Employment Income | Self-Employed | US Citizen | US Citizen | $9,590.26 | 1 | $3,367.80 | $1,220.04 | $280.65 | $101.67 | 31.065% | 31.065% | 31.065% | 02/17/2026 | 786 | No | No | [Borrower - |
Primary Income - Pension]; Account Statements - 2026 [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.980% | $0.00 | LP / LPA | Accept/Eligible | Yes | No | 6.875% | 0 | 2 | 1 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 36.260% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 16.07 | No | No | $10,378.00 | $0.00 | No | No | No | No | 5 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120269 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.987% | $1,250.77 | $1,250.77 | 7.000% | No | No | Employed | US Citizen | $12,838.90 | 1 | $1,633.20 | $611.04 | $136.10 | $50.92 | 31.132% | 31.132% | 31.132% | 12/29/2025 | 792 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.980% | $4,752.00 | 2.7 | LP / LPA | Accept/Eligible | Yes | No | 7.000% | 0 | 0 | 0 | 1 | 0 | 0.00 | No | XXXXX | XXXXX | 52.680% | No | 26 | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 50.67 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121989 | XXXXX | Higher Priced QM (APOR) | Yes | Yes | $1,695.00 | $3,950.80 | 7.604% | $3,170.20 | $3,170.20 | 7.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $15,646.18 | 1 | $3,244.68 | $4,512.96 | $270.39 | $376.08 | 35.600% | 35.600% | 35.600% | 03/09/2026 | 767 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,695.00 | 6.020% | $2,000.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.375% | 2 | 0 | 1 | 0 | 0 | 0 | 12.00 | No | Not Stated | XXXXX | XXXXX | 18.300% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 8.82 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120750 | XXXXX | N/A | No | Yes | $0.00 | 6.871% | $967.00 | $967.00 | 6.875% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $13,748.59 | 1 | $2,722.92 | $1,338.96 | $226.91 | $111.58 | 27.754% | 27.754% | 27.754% | 03/04/2026 | 759 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | Onslow Bay | 5.980% | $0.00 | LP / LPA | Accept/Eligible | No | No | 6.875% | 1 | 0 | 1 | 0 | 4 | 3 | No | XXXXX | XXXXX | 33.470% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 11.88 | No | No | $1,706.22 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115173 | XXXXX | N/A | No | Yes | $0.00 | 6.248% | $1,574.70 | $1,574.70 | 6.250% | No | No | Employed | Non-Permanent Resident Alien | $10,947.58 | 1 | $8,360.52 | $1,200.00 | $696.71 | $100.00 | 38.173% | 38.173% | 38.173% | 02/02/2026 | 790 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.980% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.250% | 2 | 1 | 0 | 2 | 1 | 0.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | VISA | 15.08 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118011 | XXXXX | N/A | No | Yes | $0.00 | 6.240% | $2,696.84 | $2,696.84 | 6.250% | No | No | Not Employed | Employed | US Citizen | US Citizen | $31,018.65 | 1 | $2,557.32 | $2,244.72 | $213.11 | $187.06 | 31.851% | 31.851% | 31.851% | 03/03/2026 | 795 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | 2.3 | DU | ApproveEligible | Yes | No | 6.250% | 0 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.65 | No | No | $0.00 | $45,515.59 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120312 | XXXXX | N/A | No | Yes | $0.00 | 6.741% | $4,523.97 | $4,523.97 | 6.750% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $13,741.81 | 1 | $3,125.16 | $1,398.00 | $260.43 | $116.50 | 36.290% | 36.290% | 36.290% | 03/02/2026 | 782 | No | No | [Borrower - |
Primary Income - VA Service Related Disability]; VA Verification of Benefits
- 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; Account Transcripts - 2024 [Coborrower]; Tax Return Extension - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.980% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.750% | 0 | 0 | 1 | 0 | 2 | 1 | 0.00 | No | XXXXX | XXXXX | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 210.16 | No | No | $0.00 | $13,425.62 | No | No | No | No | 6 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119571 | XXXXX | N/A | No | Yes | $0.00 | 6.363% | $998.19 | $998.19 | 6.375% | No | No | Employed | US Citizen | $5,929.10 | 2 | $2,749.68 | $1,476.00 | $229.14 | $123.00 | 47.773% | 47.773% | 47.773% | 03/02/2026 | 796 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.120% | $0.00 | DU | ApproveEligible | No | No | 6.375% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 67.74 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116732 | XXXXX | N/A | No | Yes | $0.00 | 6.871% | $2,627.72 | $2,627.72 | 6.875% | No | No | Self-Employed | Non-Permanent Resident Alien | $10,459.73 | 1 | $2,213.40 | $1,143.96 | $184.45 | $95.33 | 46.521% | 46.521% | 46.521% | 02/12/2026 | 699 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.130% | $0.00 | 3.4 | DU | ApproveEligible | No | No | 6.875% | 1 | 1 | 0 | 1 | 0 | No | XXXXX | XXXXX | 9.260% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 13.79 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119530 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.866% | $1,143.06 | $1,143.06 | 6.875% | No | No | Employed | US Citizen | $12,302.06 | 2 | $3,181.92 | $2,187.36 | $265.16 | $182.28 | 44.128% | 44.128% | 44.128% | 03/10/2026 | 716 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.980% | $4,640.00 | DU | ApproveEligible | N/A | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 95.010% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 101.78 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121482 | XXXXX | N/A | No | Yes | $0.00 | 6.247% | $2,090.36 | $2,090.36 | 6.250% | No | No | Self-Employed | US Citizen | $104,383.61 | 1 | $5,409.96 | $1,358.04 | $450.83 | $113.17 | 9.017% | 9.017% | 9.017% | 12/30/2025 | 789 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.020% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.250% | 0 | 1 | 0 | 3 | 1 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 170.94 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119411 | XXXXX | Higher Priced QM (APOR) | Yes | Yes | $2,243.00 | $4,017.58 | 8.096% | $3,548.74 | $3,548.74 | 7.750% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $17,933.04 | 1 | $1,858.32 | $5,610.84 | $154.86 | $467.57 | 44.246% | 44.246% | 44.246% | 02/23/2026 | 706 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2018 [Coborrower(s) - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Coborrower(s) - | Primary Income - Wages]; Military VOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Non-Primary Income - Housing Allowance]; Leave and Earnings Statement (LES) - 2026 [Coborrower(s) - | Non-Primary Income - Rations]; Leave and Earnings Statement (LES) - 2026 |
[Borrower]; Transcripts (1040) - 2026 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; Transcripts (1040) - 2026 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,243.00 | 5.980% | $0.00 | 1.3 | DU | ApproveEligible | No | No | 7.750% | 3 | 1 | 1 | 0 | 3 | 1 | No | Not Stated | XXXXX | XXXXX | 30.040% | No | 2 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 10.33 | Yes | No | $3,031.83 | $6,273.90 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119510 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,630.00 | $3,266.38 | 6.750% | $1,613.58 | $1,613.58 | 6.625% | No | No | Employed | Non-Permanent Resident Alien | XXXXX | $9,102.46 | 1 | $5,943.60 | $1,527.96 | $495.30 | $127.33 | 39.984% | 39.984% | 39.984% | 02/26/2026 | 744 | No | No | [Borrower - |
Primary Income - Wages]; Borrower Attestation of Employment - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,630.00 | 5.980% | $0.00 | DU | Yes | ApproveEligible | Yes | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 45.200% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | VISA | 18.68 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119622 | XXXXX | N/A | No | Yes | $0.00 | 6.125% | $3,463.38 | $3,463.38 | 6.125% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $5,184.67 | 3 | $12,819.24 | $456.00 | $1,068.27 | $38.00 | 25.933% | 25.933% | 25.933% | 03/02/2026 | 738 | No | No | [Borrower - |
Primary Income - C-Corp]; Other - 2026 [Borrower - | Primary Income - C-Corp]; Third Party Verification - 2026 [Borrower - | Primary Income - C-Corp]; W-2 - 2025 [Borrower - | Primary Income - C-Corp]; 1120 - 2024 [Borrower - | Primary Income - C-Corp]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.980% | $0.00 | LP / LPA | Accept/Eligible | No | No | 6.125% | 2 | 2 | 1 | 0 | 2 | 0 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.15 | No | No | $0.00 | $3,000.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121283 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $3,721.68 | $2,763.22 | 6.621% | $1,365.27 | $1,365.27 | 6.500% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $4,940.94 | 1 | $2,474.64 | $1,554.96 | $206.22 | $129.58 | 38.296% | 38.296% | 38.296% | 03/10/2026 | 810 | No | No | [Borrower - |
Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Pension]; 1099-R - 2024 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $3,721.68 | 6.020% | $6,700.00 | DU | Yes | ApproveEligible | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 53.470% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.75 | No | No | $2,310.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117624 | XXXXX | N/A | No | Yes | $0.00 | 6.849% | $2,107.43 | $2,107.43 | 6.875% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $6,658.79 | 1 | $3,812.28 | $1,363.80 | $317.69 | $113.65 | 41.882% | 41.882% | 41.882% | 02/17/2026 | 706 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - VA Service Related Disability]; D1C Income Verification Report - 2026 [Borrower - | Non-Primary Income - VA Service Related Disability]; 1099 - 2025 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 [Coborrower(s) - | Primary Income - Pension]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | 3.4 | DU | ApproveEligible | No | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 39.820% | No | 1 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 24.28 | No | No | $4,597.77 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120308 | XXXXX | N/A | No | Yes | $0.00 | 8.265% | $858.32 | $858.32 | 8.125% | No | No | Employed | Employed | US Citizen | US Citizen | $10,117.82 | 1 | $2,616.84 | $1,846.32 | $218.07 | $153.86 | 32.309% | 32.309% | 32.309% | 02/19/2026 | 753 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - VA Service Related Disability]; D1C Income Verification Report - 2026 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.980% | $0.00 | 2.6 | LP / LPA | Accept/Eligible | No | No | 8.125% | 2 | 2 | 0 | 0 | 4 | 0 | 0.00 | No | XXXXX | XXXXX | 44.270% | No | 2 | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 30.52 | No | No | $0.00 | $6,586.67 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118364 | XXXXX | N/A | No | Yes | $0.00 | 5.830% | $1,088.43 | $1,088.43 | 5.875% | No | No | Employed | US Citizen | $5,311.47 | 1 | $2,141.52 | $490.68 | $178.46 | $40.89 | 46.648% | 46.648% | 46.648% | 02/13/2026 | 804 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | 3.0 | DU | ApproveEligible | No | No | 5.875% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 27.59 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119303 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $0.00 | $53.40 | 6.248% | $3,184.21 | $3,184.21 | 6.250% | No | No | Employed | US Citizen | $18,848.26 | 1 | $16,177.44 | $2,913.84 | $1,348.12 | $242.82 | 42.973% | 42.973% | 42.973% | 03/02/2026 | 758 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | Onslow Bay | 5.980% | $0.00 | 3.9 | DU | ApproveEligible | No | No | 6.250% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.13 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123564 | XXXXX | N/A | No | Yes | $0.00 | 6.616% | $1,368.66 | $1,368.66 | 6.625% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $11,487.05 | 1 | $1,026.00 | $1,155.96 | $85.50 | $96.33 | 44.892% | 44.892% | 44.892% | 02/18/2026 | 797 | No | No | [Borrower - |
Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - Partnership (>= 25%)]; Other - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2007 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Other - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Account Transcripts - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Account Transcripts - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Account Transcripts - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | 2.3 | DU | ApproveEligible | N/A | No | 6.625% | 3 | 3 | 2 | 0 | 3 | 2 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 160.68 | No | No | $17,701.54 | $0.00 | No | No | No | No | 6 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120987 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,495.00 | $2,440.00 | 6.520% | $5,208.24 | $5,208.24 | 6.500% | No | No | Employed | US Citizen | $70,050.08 | 1 | $19,068.60 | $4,758.84 | $1,589.05 | $396.57 | 21.355% | 21.355% | 21.355% | 02/27/2026 | 794 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,495.00 | 6.020% | $0.00 | 1.6 | LP / LPA | Accept/Eligible | No | No | 6.500% | 2 | 0 | 0 | 3 | 1 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 26 | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 25.54 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121537 | XXXXX | N/A | No | Yes | $0.00 | 6.623% | $1,423.09 | $1,423.09 | 6.625% | No | No | Non-Employment Income | US Citizen | $1,139.44 | 1 | $1,726.92 | $1,800.72 | $143.91 | $150.06 | 48.066% | 48.066% | 48.066% | 02/11/2026 | 796 | No | No | [Borrower - |
Primary Income - Interest / Dividends]; Account Statements - 2026 [Borrower - | Primary Income - Interest / Dividends]; Account Statements - 2026 [Borrower - | Primary Income - Interest / Dividends]; Other - 2026 [Borrower - | Primary Income - Interest / Dividends]; Other - 2026 [Borrower - | Primary Income - Interest / Dividends]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.020% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.625% | 0 | 2 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 729.9 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117253 | XXXXX | N/A | No | Yes | $995.00 | $1,836.41 | 6.703% | $1,440.70 | $1,440.70 | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $19,243.14 | 1 | $8,324.88 | $1,302.00 | $693.74 | $108.50 | 41.242% | 41.242% | 41.242% | 02/15/2026 | 764 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $995.00 | 6.100% | $0.00 | 1.2 | LP / LPA | Accept/Eligible | Yes | No | 6.625% | 1 | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 8 | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 62.04 | No | No | $0.00 | $19,000.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120740 | XXXXX | N/A | No | Yes | $0.00 | 7.099% | $745.13 | $745.13 | 7.125% | No | No | Self-Employed | US Citizen | $6,517.01 | 1 | $373.32 | $582.00 | $31.11 | $48.50 | 33.105% | 33.105% | 33.105% | 02/27/2026 | 749 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.020% | $2,765.00 | 3.0 | DU | ApproveEligible | Yes | No | 7.125% | 2 | 2 | 0 | 2 | 3 | 12.00 | No | XXXXX | XXXXX | 50.740% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 47.88 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119422 | XXXXX | N/A | No | Yes | $0.00 | 6.372% | $1,061.20 | $1,061.20 | 6.375% | No | No | Employed | US Citizen | $2,560.64 | 1 | $1,289.04 | $918.96 | $107.42 | $76.58 | 45.999% | 45.999% | 45.999% | 02/26/2026 | 718 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.980% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.375% | 1 | 1 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 93.51 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117835 | XXXXX | Higher Priced QM (APOR) | Yes | Yes | $2,270.00 | $4,260.97 | 7.753% | $1,858.61 | $1,858.61 | 7.375% | No | No | Employed | US Citizen | $10,094.57 | 1 | $7,659.96 | $2,940.96 | $638.33 | $245.08 | 46.538% | 46.538% | 46.538% | 02/19/2026 | 789 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,270.00 | 6.100% | $0.00 | DU | ApproveEligible | No | No | 7.375% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 35.930% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 22.05 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120865 | XXXXX | Higher Priced QM (APOR) | Yes | Yes | $2,465.00 | $6,215.74 | 7.880% | $3,201.28 | $3,201.28 | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $16,567.79 | 1 | $6,437.52 | $5,517.00 | $536.46 | $459.75 | 49.129% | 49.129% | 49.129% | 03/03/2026 | 723 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,465.00 | 6.020% | $0.00 | 3.7 | DU | ApproveEligible | No | No | 7.375% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 39.16 | No | No | $0.00 | $16,726.66 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117533 | XXXXX | Safe Harbor QM (APOR) | Yes | No | $2,270.00 | $6,342.58 | 6.519% | $9,733.85 | $9,733.85 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $22,397.39 | 1 | $11,531.76 | $2,058.96 | $960.98 | $171.58 | 39.948% | 39.948% | 39.948% | 02/17/2026 | 736 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; Transcripts (1040) - 2026 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; Transcripts (1040) - 2026 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,270.00 | 6.100% | $0.00 | 3.5 | DU | ApproveIneligible | No | No | 6.500% | 2 | 2 | 2 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | No | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.33 | No | No | $0.00 | $16,666.67 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116474 | XXXXX | N/A | No | Yes | $0.00 | 6.602% | $1,412.21 | $1,412.21 | 6.625% | No | No | Not Employed | Employed | US Citizen | US Citizen | $26,546.93 | 1 | $2,247.96 | $878.04 | $187.33 | $73.17 | 22.349% | 22.349% | 22.349% | 02/11/2026 | 779 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.980% | $0.00 | 2.4 | LP / LPA | Accept/Eligible | No | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 22.4 | No | No | $0.00 | $34,187.53 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118027 | XXXXX | N/A | No | Yes | $0.00 | 6.728% | $2,367.38 | $2,367.38 | 6.750% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $8,924.89 | 1 | $2,459.88 | $1,267.80 | $204.99 | $105.65 | 32.390% | 32.390% | 32.390% | 02/11/2026 | 807 | No | No | [Borrower - |
Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - VA Service Related Disability]; Other - 2026 [Coborrower(s) - | Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Short Form | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.1 | No | No | $8,492.78 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119607 | XXXXX | N/A | No | Yes | $2,370.00 | $4,445.58 | 6.365% | $1,939.51 | $1,939.51 | 6.250% | No | No | Self-Employed | US Citizen | $12,578.88 | 1 | $5,217.24 | $1,050.12 | $434.77 | $87.51 | 29.044% | 29.044% | 29.044% | 02/09/2026 | 798 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,370.00 | 5.980% | $0.00 | 1.3 | DU | ApproveEligible | Yes | No | 6.250% | 2 | 1 | 0 | 3 | 1 | No | XXXXX | XXXXX | 70.420% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 27.62 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116934 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $3,888.40 | $4,646.46 | 6.862% | $758.48 | $758.48 | 6.500% | No | No | Employed | US Citizen | $2,198.00 | 1 | $968.52 | $3,777.00 | $80.71 | $314.75 | 49.496% | 49.496% | 49.496% | 02/11/2026 | 765 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | Onslow Bay | $3,888.40 | 5.980% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.500% | 1 | 1 | 0 | 3 | 1 | 0.00 | No | Not Stated | XXXXX | XXXXX | 52.130% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.19 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114473 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $3,078.20 | $5,810.94 | 6.437% | $4,215.80 | $4,215.80 | 6.375% | No | No | Employed | US Citizen | $63,628.17 | 1 | $13,392.12 | $1,923.48 | $1,116.01 | $160.29 | 18.474% | 18.474% | 18.474% | 01/29/2026 | 812 | No | No | [Borrower - |
Primary Income - K-1 (< 25%)]; Other - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; VVOE - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $3,078.20 | 6.100% | $0.00 | 1.5 | DU | ApproveEligible | No | No | 6.375% | 0 | 2 | 0 | 3 | 0 | No | Not Stated | XXXXX | XXXXX | 91.200% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 89.97 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117260 | XXXXX | N/A | No | Yes | $0.00 | 6.104% | $2,509.43 | $2,509.43 | 6.125% | No | No | Self-Employed | US Citizen | $10,872.64 | 4 | $8,234.04 | $4,494.96 | $686.17 | $374.58 | 46.650% | 46.650% | 46.650% | 02/05/2026 | 772 | No | No | [Borrower - |
Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Other - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Other - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | DU | ApproveEligible | No | No | 6.125% | 2 | 1 | 0 | 2 | 2 | No | XXXXX | XXXXX | No | Yes | Final | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 73.98 | No | No | $0.00 | $0.00 | No | No | No | No | 9 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117784 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $5,082.00 | $6,319.30 | 6.558% | $1,871.61 | $1,871.61 | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $10,935.98 | 1 | $2,482.08 | $645.96 | $206.84 | $53.83 | 31.310% | 31.310% | 31.310% | 02/17/2026 | 797 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $5,082.00 | 6.100% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.375% | 0 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 52.610% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 36.51 | No | No | $0.00 | $8,071.15 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117945 | XXXXX | N/A | No | No | $0.00 | 6.357% | $1,799.24 | $1,799.24 | 6.375% | No | No | Employed | US Citizen | $25,695.67 | 1 | $8,460.36 | $3,473.04 | $705.03 | $289.42 | 23.887% | 23.887% | 23.887% | 02/16/2026 | 786 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2020 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | 1.5 | DU | ApproveEligible | Yes | No | 6.375% | 0 | 1 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.36 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121572 | XXXXX | N/A | No | Yes | $3,975.00 | $6,073.45 | 7.086% | $1,497.80 | $1,497.80 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $32,274.23 | 2 | $6,056.04 | $2,401.80 | $504.67 | $200.15 | 26.612% | 26.612% | 26.612% | 03/12/2026 | 745 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $3,975.00 | 6.020% | $0.00 | DU | ApproveEligible | N/A | No | 6.875% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 52.570% | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 69.75 | No | No | $0.00 | $30,903.59 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117960 | XXXXX | N/A | No | No | $2,370.00 | $4,178.50 | 6.975% | $2,209.91 | $2,209.91 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $14,991.57 | 1 | $2,931.36 | $1,162.92 | $244.28 | $96.91 | 32.629% | 32.629% | 32.629% | 02/13/2026 | 777 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,370.00 | 6.100% | $0.00 | DU | ApproveEligible | No | No | 6.875% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 31.250% | No | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.69 | No | No | $0.00 | $12,666.77 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117249 | XXXXX | N/A | No | Yes | $0.00 | 6.104% | $1,546.37 | $1,546.37 | 6.125% | No | No | Self-Employed | US Citizen | $10,679.09 | 2 | $3,866.04 | $2,553.96 | $322.17 | $212.83 | 47.518% | 47.518% | 47.518% | 02/05/2026 | 772 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | DU | ApproveEligible | N/A | No | 6.125% | 1 | 1 | 0 | 2 | 1 | No | XXXXX | XXXXX | No | Yes | Final | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 126.88 | No | No | $0.00 | $0.00 | No | No | No | No | 9 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117887 | XXXXX | N/A | No | Yes | $6,280.00 | $9,283.84 | 6.951% | $1,235.69 | $1,235.69 | 6.500% | No | No | Employed | US Citizen | $12,514.64 | 1 | $3,227.76 | $1,128.48 | $268.98 | $94.04 | 22.287% | 22.287% | 22.287% | 12/15/2025 | 807 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $6,280.00 | 6.100% | $4,600.00 | 1.5 | DU | ApproveEligible | No | No | 6.500% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 141.9 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121504 | XXXXX | N/A | No | Yes | $0.00 | 7.192% | $1,473.50 | $1,473.50 | 7.250% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $6,000.13 | 1 | $1,993.56 | $733.08 | $166.13 | $61.09 | 49.074% | 49.074% | 49.074% | 03/05/2026 | 749 | No | No | [Borrower - |
Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.020% | $0.00 | 1.2 | DU | ApproveEligible | Yes | No | 7.250% | 0 | 2 | 1 | 0 | 3 | 0 | No | XXXXX | XXXXX | 29.030% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 8.95 | No | No | $0.00 | $10,582.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119414 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 7.145% | $3,852.89 | $3,852.89 | 6.875% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $4,480.26 | 1 | $2,134.44 | $5,634.24 | $177.87 | $469.52 | 48.696% | 48.696% | 48.696% | 02/27/2026 | 719 | No | No | [Borrower - |
Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Other - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Non-Primary Income - Pension]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | Onslow Bay | 5.980% | $11,350.00 | 1.7 | LP / LPA | Accept/Eligible | Yes | No | 6.875% | 0 | 1 | 1 | 0 | 2 | 1 | 0.00 | No | XXXXX | XXXXX | 21.880% | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.19 | No | No | $2,339.51 | $592.80 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118209 | XXXXX | N/A | No | Yes | $0.00 | 5.874% | $2,965.17 | $2,965.17 | 5.875% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $15,030.86 | 1 | $5,302.08 | $1,950.00 | $441.84 | $162.50 | 44.564% | 44.564% | 44.564% | 12/11/2025 | 775 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.990% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 5.875% | 1 | 1 | 2 | 0 | 4 | 0 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 90.35 | No | No | $0.00 | $9,044.86 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120169 | XXXXX | N/A | No | Yes | $0.00 | 6.248% | $9,408.16 | $9,408.16 | 6.250% | No | No | Non-Employment Income | US Citizen | $23,119.32 | 4 | $16,757.64 | $7,429.68 | $1,396.47 | $619.14 | 31.561% | 31.561% | 31.561% | 03/10/2026 | 802 | No | No | [Borrower - |
Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Pension]; Other - 2026 [Borrower - | Primary Income - Pension]; Paystubs - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.980% | $0.00 | LP / LPA | Accept/Eligible | N/A | No | 6.250% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 21.53 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120632 | XXXXX | N/A | No | Yes | $0.00 | 6.325% | $2,690.44 | $2,690.44 | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $18,040.84 | 1 | $5,970.48 | $4,378.20 | $497.54 | $364.85 | 26.585% | 26.585% | 26.585% | 03/04/2026 | 766 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.020% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.375% | 1 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 89.140% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 92.1 | No | No | $0.00 | $12,899.64 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118218 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,840.00 | $3,421.06 | 6.736% | $1,531.94 | $1,531.94 | 6.625% | No | No | Employed | Not Employed | US Citizen | US Citizen | $10,185.04 | 1 | $2,956.56 | $1,773.96 | $246.38 | $147.83 | 37.175% | 37.175% | 37.175% | 01/27/2026 | 806 | No | No | [Borrower - |
Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,840.00 | 6.140% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.625% | 1 | 0 | 1 | 0 | 3 | 1 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 495.03 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119293 | XXXXX | N/A | No | Yes | $0.00 | 6.078% | $2,490.13 | $2,490.13 | 6.125% | No | No | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | $16,289.11 | 1 | $14,521.44 | $1,272.24 | $1,210.12 | $106.02 | 48.284% | 48.284% | 48.284% | 02/26/2026 | 783 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.980% | $0.00 | 2.6 | DU | ApproveEligible | Yes | No | 6.125% | 1 | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 56.66 | No | No | $0.00 | $12,038.37 | No | No | No | No | 6 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122530 | XXXXX | Safe Harbor QM (APOR) | Yes | No | $0.00 | $2,488.78 | 6.754% | $10,894.50 | $10,894.50 | 6.750% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $30,225.62 | 1 | $11,962.32 | $10,633.20 | $996.86 | $886.10 | 44.402% | 44.402% | 44.402% | 01/07/2026 | 767 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; 1099-R - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; Account Statements - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; Account Statements - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | Onslow Bay | 6.120% | $0.00 | 2.1 | DU | ApproveIneligible | Yes | No | 6.750% | 0 | 0 | 1 | 0 | 1 | 1 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 18.13 | No | No | $10,782.11 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119714 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $995.00 | $1,564.59 | 6.276% | $3,354.74 | $3,354.74 | 6.250% | No | No | Employed | Not Employed | US Citizen | US Citizen | $28,047.76 | 1 | $9,869.64 | $4,184.40 | $822.47 | $348.70 | 23.870% | 23.870% | 23.870% | 03/01/2026 | 796 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $995.00 | 5.980% | $0.00 | 1.3 | DU | ApproveEligible | Yes | No | 6.250% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | No | 16.17 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120021 | XXXXX | N/A | No | No | $0.00 | 6.623% | $1,501.38 | $1,501.38 | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $14,657.12 | 1 | $4,825.08 | $3,423.96 | $402.09 | $285.33 | 33.628% | 33.628% | 33.628% | 12/03/2025 | 774 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.220% | $0.00 | LP / LPA | Accept Plus | No | No | 6.625% | 1 | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.65 | No | No | $0.00 | $7,500.03 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000111343 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.328% | $1,473.89 | $1,473.89 | 6.375% | No | No | Employed | Permanent Resident Alien | $3,833.41 | 2 | $9,591.24 | $1,716.84 | $799.27 | $143.07 | 31.006% | 31.006% | 31.006% | 01/15/2026 | 780 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.170% | $6,000.00 | DU | ApproveEligible | N/A | No | 6.375% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 45.150% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 25.74 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119584 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,600.00 | $3,967.44 | 6.465% | $1,077.51 | $1,077.51 | 6.250% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $11,139.89 | 1 | $5,132.40 | $784.80 | $427.70 | $65.40 | 32.200% | 32.200% | 32.200% | 03/03/2026 | 789 | No | No | [Borrower - |
Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,600.00 | 5.980% | $0.00 | LP / LPA | Yes | Accept/Eligible | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 79.220% | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 43.74 | No | No | $6,413.72 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117227 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,039.69 | $4,733.14 | 7.598% | $1,486.33 | $1,486.33 | 7.375% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $12,260.48 | 1 | $4,077.60 | $1,043.04 | $339.80 | $86.92 | 33.676% | 33.676% | 33.676% | 01/12/2026 | 772 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | Onslow Bay | $2,039.69 | 6.100% | $0.00 | 1.2 | DU | ApproveEligible | Yes | No | 7.375% | 2 | 0 | 0 | 0 | 4 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 99.230% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 56.48 | No | No | $13,035.30 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119415 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,840.00 | $2,958.86 | 6.126% | $1,235.07 | $1,235.07 | 6.000% | No | No | Employed | Employed | US Citizen | US Citizen | $21,306.88 | 1 | $2,889.24 | $1,967.64 | $240.77 | $163.97 | 26.431% | 26.431% | 26.431% | 03/02/2026 | 774 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,840.00 | 5.980% | $0.00 | 1.2 | DU | ApproveEligible | No | No | 6.000% | 2 | 0 | 0 | 0 | 4 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 26 | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 33.24 | No | No | $0.00 | $14,628.51 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118475 | XXXXX | N/A | No | Yes | $0.00 | 6.452% | $2,278.61 | $2,278.61 | 6.500% | No | No | Employed | US Citizen | $23,211.51 | 2 | $4,784.04 | $1,078.92 | $398.67 | $89.91 | 12.919% | 12.919% | 12.919% | 02/24/2026 | 796 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.990% | $0.00 | DU | ApproveEligible | No | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 68.880% | No | 14 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 68.36 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121514 | XXXXX | N/A | No | Yes | $0.00 | 6.081% | $5,650.78 | $5,650.78 | 6.125% | No | No | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | $19,161.05 | 1 | $12,384.48 | $2,151.00 | $1,032.04 | $179.25 | 40.101% | 40.101% | 40.101% | 03/12/2026 | 760 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.020% | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | 6.125% | 2 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 27 | 11 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 8.52 | No | $0.00 | $14,583.33 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119782 | XXXXX | N/A | No | Yes | $0.00 | 6.503% | $1,896.20 | $1,896.20 | 6.500% | No | No | Self-Employed | US Citizen | $4,712.40 | 1 | $1,875.96 | $1,137.96 | $156.33 | $94.83 | 36.959% | 36.959% | 36.959% | 12/18/2025 | 787 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.430% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.500% | 1 | 1 | 0 | 3 | 1 | No | XXXXX | XXXXX | 42.200% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 26.89 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119056 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $4,807.50 | $5,818.87 | 6.109% | $2,967.78 | $2,967.78 | 6.000% | No | No | Employed | US Citizen | $25,860.38 | 1 | $7,980.00 | $1,013.04 | $665.00 | $84.42 | 29.109% | 29.109% | 29.109% | 03/05/2026 | 815 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $4,807.50 | 5.980% | $10,000.00 | 3.0 | DU | ApproveEligible | No | No | 6.000% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 84.860% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 90.69 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121177 | XXXXX | N/A | No | Yes | $0.00 | 6.373% | $1,674.47 | $1,674.47 | 6.375% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $6,985.46 | 1 | $2,339.28 | $2,321.52 | $194.94 | $193.46 | 38.081% | 38.081% | 38.081% | 01/27/2026 | 672 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Account Transcripts - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Account Transcripts - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Account Transcripts - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.020% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.375% | 3 | 0 | 2 | 0 | 3 | 2 | 12.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 9.64 | No | No | $223.92 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120559 | XXXXX | N/A | No | Yes | $3,900.00 | $5,748.25 | 7.066% | $1,576.63 | $1,576.63 | 6.875% | No | No | Employed | US Citizen | $3,057.00 | 1 | $3,611.40 | $645.00 | $300.95 | $53.75 | 48.993% | 48.993% | 48.993% | 02/03/2026 | 640 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Deposit Receipt - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $3,900.00 | 6.020% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 6.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 21 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 66.16 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117574 | XXXXX | Safe Harbor QM (APOR) | Yes | No | $2,842.62 | $3,422.03 | 6.890% | $1,791.91 | $1,791.91 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $11,699.87 | 1 | $1,387.32 | $4,405.92 | $115.61 | $367.16 | 37.488% | 37.488% | 37.488% | 02/12/2026 | 682 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Non-Primary Income - Housing Allowance]; Paystubs - 2026 [Coborrower(s) - | Non-Primary Income - Housing Allowance]; Paystubs - 2026 [Coborrower(s) - | Non-Primary Income - Housing Allowance]; Paystubs - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,842.62 | 6.120% | $448.87 | 2.5 | LP / LPA | Accept/Eligible | Yes | No | 6.500% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 28.940% | No | 6 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.19 | No | No | $2,600.00 | $9,765.57 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120933 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $0.00 | $3,412.75 | 7.486% | $1,188.69 | $1,188.69 | 7.250% | No | No | Employed | US Citizen | $25,775.78 | 1 | $4,325.04 | $1,678.80 | $360.42 | $139.90 | 22.673% | 22.673% | 22.673% | 02/24/2026 | 773 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.020% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.250% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 338.82 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118522 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $3,323.31 | $9,207.60 | 6.472% | $4,066.07 | $4,066.07 | 6.375% | No | No | Not Employed | Employed | US Citizen | US Citizen | $37,441.22 | 1 | $10,862.52 | $1,404.00 | $905.21 | $117.00 | 19.533% | 19.533% | 19.533% | 02/07/2026 | 800 | No | No | [Coborrower(s) - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $3,323.31 | 6.130% | $0.00 | 1.9 | DU | ApproveEligible | N/A | No | 6.375% | 0 | 1 | 0 | 0 | 4 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 223.79 | No | No | $0.00 | $46,530.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123020 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,720.00 | $6,490.90 | 6.874% | $2,432.24 | $2,432.24 | 6.750% | No | No | Employed | Self-Employed | Permanent Resident Alien | US Citizen | $37,610.81 | 1 | $8,056.44 | $1,376.04 | $671.37 | $114.67 | 28.015% | 28.015% | 28.015% | 03/23/2026 | 753 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2017 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,720.00 | 6.220% | $15,200.00 | LP / LPA | Yes | Accept/Eligible | N/A | No | 6.750% | 0 | 0 | 2 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 164.53 | No | No | $26,414.79 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121145 | XXXXX | N/A | No | Yes | $0.00 | 6.457% | $1,725.55 | $1,725.55 | 6.500% | No | No | Non-Employment Income | US Citizen | $2,616.91 | 1 | $2,450.04 | $2,171.16 | $204.17 | $180.93 | 45.724% | 45.724% | 45.724% | 03/26/2026 | 778 | No | No | [Borrower - |
Non-Primary Income - Interest / Dividends]; Other - 2026 [Borrower - | Non-Primary Income - Interest / Dividends]; Other - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Royalty]; Schedule E - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.020% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.500% | 0 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 158.65 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118251 | XXXXX | N/A | No | Yes | $0.00 | 6.983% | $2,357.83 | $2,357.83 | 7.000% | No | No | Employed | Not Employed | US Citizen | US Citizen | $4,164.31 | 1 | $6,463.92 | $1,201.44 | $538.66 | $100.12 | 37.535% | 37.535% | 37.535% | 02/18/2026 | 809 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.980% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 7.000% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 20 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.67 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122956 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $3,540.00 | $5,045.05 | 7.505% | $2,707.45 | $2,707.45 | 7.375% | No | No | Employed | Employed | Employed | 23.7 | US Citizen | US Citizen | US Citizen | $21,819.65 | 1 | $6,125.04 | $1,872.72 | $510.42 | $156.06 | 39.255% | 39.255% | 39.255% | 03/03/2026 | 784 | 796 | 784 | 776 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $3,540.00 | 6.220% | $5,000.00 | 1.3 | DU | ApproveEligible | No | No | 7.375% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 43.050% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 31.98 | No | No | $0.00 | $24,935.73 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117836 | XXXXX | N/A | No | Yes | $0.00 | 6.611% | $2,971.04 | $2,971.04 | 6.625% | No | No | Self-Employed | US Citizen | $8,285.28 | 1 | $12,974.04 | $5,629.68 | $1,081.17 | $469.14 | 30.420% | 30.420% | 30.420% | 02/09/2026 | 781 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2022 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Account Transcripts - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.625% | 0 | 2 | 0 | 3 | 2 | No | XXXXX | XXXXX | 61.870% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 49.6 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119154 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,090.00 | $2,239.55 | 6.804% | $3,145.70 | $3,145.70 | 6.750% | No | No | Self-Employed | US Citizen | $37,125.54 | 1 | $6,980.64 | $1,359.00 | $581.72 | $113.25 | 23.259% | 23.259% | 23.259% | 03/17/2026 | 804 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - C-Corp]; Other - 2026 [Borrower - | Primary Income - C-Corp]; Other - 2026 [Borrower - | Primary Income - C-Corp]; P&L Statement - 2026 [Borrower - | Primary Income - C-Corp]; P&L Statement - 2026 [Borrower - | Primary Income - C-Corp]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - C-Corp]; Third Party Verification - 2026 [Borrower - | Primary Income - C-Corp]; Paystubs - 2025 [Borrower - | Primary Income - C-Corp]; Paystubs - 2025 [Borrower - | Primary Income - C-Corp]; W-2 - 2025 [Borrower - | Primary Income - C-Corp]; 1120 - 2024 [Borrower - | Primary Income - C-Corp]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - C-Corp]; W-2 - 2024 [Borrower - | Primary Income - C-Corp]; 1120 - 2023 [Borrower - | Primary Income - C-Corp]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - C-Corp]; W-2 - 2023 |
[Borrower]; Account Transcripts - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,090.00 | 5.980% | $0.00 | DU | Yes | ApproveEligible | N/A | No | 6.750% | 3 | 2 | 0 | 2 | 2 | 12.00 | No | Not Stated | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 33.27 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118505 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,465.00 | $3,941.79 | 6.639% | $1,580.17 | $1,580.17 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $9,970.52 | 1 | $12,925.44 | $5,659.44 | $1,077.12 | $471.62 | 44.530% | 44.530% | 44.530% | 02/24/2026 | 696 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,465.00 | 5.990% | $0.00 | 1.6 | DU | ApproveEligible | No | No | 6.500% | 1 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 63.32 | No | No | $0.00 | $12,141.20 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121040 | XXXXX | N/A | No | Yes | $5,075.41 | $7,384.49 | 6.796% | $2,146.96 | $2,146.96 | 6.625% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $134,599.52 | 1 | $2,104.20 | $1,068.00 | $175.35 | $89.00 | 11.473% | 11.473% | 11.473% | 03/09/2026 | 768 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | Yes | Onslow Bay | $5,075.41 | 6.020% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.625% | 3 | 3 | 1 | 0 | 3 | 2 | 12.00 | No | XXXXX | XXXXX | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 539.66 | No | No | $0.00 | $7,400.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121609 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $4,905.00 | $7,954.79 | 7.085% | $1,970.79 | $1,970.79 | 6.875% | No | No | Employed | Not Employed | US Citizen | US Citizen | $3,488.58 | 1 | $3,334.56 | $2,244.96 | $277.88 | $187.08 | 42.105% | 42.105% | 42.105% | 03/12/2026 | 810 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $4,905.00 | 6.020% | $0.00 | 2.6 | DU | ApproveEligible | No | No | 6.875% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 305.28 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119341 | XXXXX | N/A | No | Yes | $0.00 | 6.611% | $686.73 | $686.73 | 6.625% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $12,952.89 | 1 | $1,744.92 | $1,293.48 | $145.41 | $107.79 | 29.789% | 29.789% | 29.789% | 02/20/2026 | 749 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.980% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.625% | 1 | 0 | 1 | 0 | 3 | 1 | No | XXXXX | XXXXX | 100.000% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 853.29 | No | No | $0.00 | $7,352.68 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121035 | XXXXX | Higher Priced QM (APOR) | Yes | Yes | $5,023.82 | $5,986.97 | 7.899% | $2,422.78 | $2,422.78 | 7.500% | No | No | Employed | Not Employed | US Citizen | US Citizen | $58,539.57 | 1 | $5,568.84 | $2,662.32 | $464.07 | $221.86 | 13.416% | 13.416% | 13.416% | 02/27/2026 | 754 | No | No | [Borrower - |
Primary Income - K-1 (< 25%)]; Balance Sheet - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Account Transcripts - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Account Transcripts - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Account Transcripts - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $5,023.82 | 6.020% | $0.00 | 1.7 | LP / LPA | Accept/Eligible | Yes | No | 7.500% | 0 | 0 | 2 | 0 | 3 | 2 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 405.19 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120429 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 7.580% | $1,710.56 | $1,710.56 | 7.250% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $7,624.08 | 1 | $5,350.08 | $2,199.00 | $445.84 | $183.25 | 42.224% | 42.224% | 42.224% | 03/03/2026 | 759 | No | No | [Borrower - |
Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.980% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 7.250% | 0 | 1 | 1 | 0 | 3 | 1 | No | XXXXX | XXXXX | 27.460% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.34 | No | No | $0.00 | $6,640.84 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118944 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,320.00 | $2,667.26 | 6.409% | $923.58 | $923.58 | 6.250% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $11,358.48 | 1 | $1,759.32 | $1,002.24 | $146.61 | $83.52 | 18.822% | 18.822% | 18.822% | 02/23/2026 | 809 | No | No | [Borrower - |
Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2025 [Borrower - | Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 [Borrower - | Primary Income - VA Service Related Disability]; Other - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,320.00 | 5.990% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.250% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 136.99 | No | No | $3,732.50 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118071 | XXXXX | N/A | No | Yes | $3,676.25 | $4,648.99 | 7.218% | $911.49 | $911.49 | 6.875% | No | No | Employed | US Citizen | $3,189.02 | 1 | $3,504.00 | $780.96 | $292.00 | $65.08 | 41.239% | 41.239% | 41.239% | 02/20/2026 | 766 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $3,676.25 | 6.100% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.875% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 32.02 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120195 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $3,674.52 | $5,166.70 | 6.056% | $4,265.70 | $4,265.70 | 6.000% | No | No | Employed | US Citizen | $14,774.40 | 1 | $12,428.40 | $2,739.96 | $1,035.70 | $228.33 | 41.013% | 41.013% | 41.013% | 02/23/2026 | 812 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $3,674.52 | 6.120% | $0.00 | 1.6 | DU | ApproveEligible | No | No | 6.000% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 8.21 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113993 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.699% | $2,288.66 | $2,288.66 | 6.750% | No | No | Not Employed | Employed | US Citizen | US Citizen | $12,046.29 | 1 | $11,493.84 | $1,081.56 | $957.82 | $90.13 | 47.468% | 47.468% | 47.468% | 03/31/2026 | 784 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.140% | $9,412.00 | 2.6 | DU | ApproveEligible | No | No | 6.750% | 0 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 594.2 | No | No | $0.00 | $22,931.33 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119624 | XXXXX | N/A | No | Yes | $0.00 | 5.366% | $1,175.94 | $1,175.94 | 5.375% | No | No | Employed | US Citizen | $27,746.78 | 1 | $3,404.28 | $525.00 | $283.69 | $43.75 | 36.333% | 36.333% | 36.333% | 03/03/2026 | 803 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.980% | $0.00 | 1.6 | LP / LPA | Accept/Eligible | Yes | No | 5.375% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 314.09 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120772 | XXXXX | N/A | No | Yes | $0.00 | 6.363% | $1,612.02 | $1,612.02 | 6.375% | No | No | Employed | US Citizen | $4,443.65 | 1 | $2,694.96 | $1,299.96 | $224.58 | $108.33 | 35.499% | 35.499% | 35.499% | 01/09/2026 | 767 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2022 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; Transcripts (1040) - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | Onslow Bay | 6.020% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.375% | 3 | 2 | 0 | 3 | 4 | 0.00 | No | XXXXX | XXXXX | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 85.74 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113997 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.699% | $2,288.66 | $2,288.66 | 6.750% | No | No | Not Employed | Employed | US Citizen | US Citizen | $12,047.24 | 1 | $11,493.84 | $1,081.56 | $957.82 | $90.13 | 47.466% | 47.466% | 47.466% | 03/31/2026 | 784 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.430% | $9,412.00 | 2.6 | DU | ApproveEligible | No | No | 6.750% | 0 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 428.06 | No | No | $0.00 | $22,932.29 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119347 | XXXXX | N/A | No | Yes | $0.00 | 6.460% | $3,211.55 | $3,211.55 | 6.500% | No | No | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | $16,145.80 | 1 | $10,602.60 | $1,407.96 | $883.55 | $117.33 | 41.070% | 41.070% | 41.070% | 02/28/2026 | 749 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.980% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.500% | 1 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | VISA | VISA | 14.61 | No | No | $0.00 | $12,509.58 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114902 | XXXXX | N/A | No | Yes | $0.00 | $1,355.91 | 6.401% | $1,247.74 | $1,247.74 | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $7,491.52 | 1 | $5,256.84 | $2,942.40 | $438.07 | $245.20 | 44.284% | 44.284% | 44.284% | 02/02/2026 | 763 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | 1.8 | DU | ApproveEligible | Yes | No | 6.375% | 1 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 8.07 | No | No | $0.00 | $6,362.54 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116749 | XXXXX | N/A | No | Yes | $896.42 | $2,716.90 | 6.911% | $2,220.42 | $2,220.42 | 6.875% | No | No | Employed | US Citizen | $7,972.21 | 2 | $7,063.08 | $2,869.68 | $588.59 | $239.14 | 25.946% | 25.946% | 25.946% | 03/13/2026 | 817 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $896.42 | 6.100% | $0.00 | DU | ApproveEligible | No | No | 6.875% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.22 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114644 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,690.00 | $5,153.25 | 6.661% | $3,969.93 | $3,969.93 | 6.625% | No | No | Employed | US Citizen | $18,913.25 | 1 | $5,554.08 | $4,859.28 | $462.84 | $404.94 | 37.543% | 37.543% | 37.543% | 02/03/2026 | 752 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,690.00 | 6.020% | $0.00 | 2.8 | LP / LPA | Accept/Eligible | Yes | No | 6.625% | 2 | 0 | 0 | 3 | 2 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 36 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 0.63 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122424 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $25,705.00 | $34,277.76 | 6.732% | $7,521.61 | $7,521.61 | 6.500% | No | No | Employed | Non-Employment Income | Employed | 1.78 | US Citizen | US Citizen | US Citizen | $25,895.13 | 1 | $12,538.68 | $6,343.20 | $1,044.89 | $528.60 | 34.178% | 34.178% | 34.178% | 03/04/2026 | 784 | 784 | 779 | 794 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Pension]; 1099-R - 2025 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $25,705.00 | 6.020% | $0.00 | 3.2 | DU | ApproveEligible | No | No | 6.500% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 22.750% | No | 26 | 20 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12 | No | No | $6,935.23 | $3,105.34 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118753 | XXXXX | N/A | No | Yes | $0.00 | 6.584% | $3,542.11 | $3,542.11 | 6.625% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $43,757.48 | 1 | $3,437.04 | $1,890.96 | $286.42 | $157.58 | 37.878% | 37.878% | 37.878% | 02/26/2026 | 742 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Foster Care]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Foster Care]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Foster Care]; Deposit Receipt - 2026 [Borrower - | Non-Primary Income - Foster Care]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Foster Care]; Other - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Tax Return Extension - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Tax Return Extension - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Tax Return Extension - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.990% | $0.00 | 1.6 | DU | ApproveEligible | Yes | No | 6.625% | 1 | 1 | 2 | 0 | 2 | 0 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 133.46 | No | No | $8,133.59 | $0.00 | No | No | No | No | 9 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118938 | XXXXX | N/A | No | Yes | $0.00 | 6.242% | $1,877.94 | $1,877.94 | 6.250% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $6,355.87 | 1 | $7,940.28 | $4,996.20 | $661.69 | $416.35 | 49.541% | 49.541% | 49.541% | 02/23/2026 | 744 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.990% | $0.00 | 3.5 | DU | ApproveEligible | Yes | No | 6.250% | 1 | 2 | 1 | 0 | 3 | 1 | No | XXXXX | XXXXX | 52.550% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.3 | No | No | $0.00 | $5,278.43 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117499 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,270.00 | $3,781.20 | 6.787% | $4,848.27 | $4,848.27 | 6.750% | No | No | Employed | US Citizen | $11,452.77 | 1 | $6,368.28 | $1,617.96 | $530.69 | $134.83 | 37.228% | 37.228% | 37.228% | 02/16/2026 | 796 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,270.00 | 6.120% | $0.00 | 2.4 | DU | ApproveEligible | Yes | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 25 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 43.5 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118941 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.491% | $1,232.53 | $1,232.53 | 6.500% | No | No | Employed | Not Employed | US Citizen | US Citizen | $17,545.54 | 1 | $3,327.36 | $1,299.96 | $277.28 | $108.33 | 33.323% | 33.323% | 33.323% | 02/27/2026 | 787 | No | No | [Borrower - |
Primary Income - K-1 (< 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; VVOE - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2025 [Borrower - | Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.990% | $400.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.500% | 0 | 0 | 2 | 0 | 3 | 2 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 125.7 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124772 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $4,696.00 | $7,258.92 | 7.239% | $3,045.21 | $3,045.21 | 7.125% | No | No | Employed | Not Employed | US Citizen | US Citizen | $10,416.05 | 1 | $8,295.96 | $3,573.00 | $691.33 | $297.75 | 43.588% | 43.588% | 43.588% | 01/20/2026 | 730 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $4,696.00 | 6.120% | $3,000.00 | 4.6 | DU | ApproveEligible | No | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 18.960% | No | 17 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 28.91 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118390 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.864% | $3,153.25 | $3,153.25 | 6.875% | No | No | Employed | US Citizen | $10,128.59 | 1 | $5,308.08 | $2,912.04 | $442.34 | $242.67 | 45.074% | 45.074% | 45.074% | 01/28/2026 | 759 | No | No | [Borrower - |
Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Primary Income - Wages]; Military VOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Clothing Allowance]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Non-Primary Income - Housing Allowance]; Leave and Earnings Statement (LES) - 2026 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.990% | $11,799.00 | 2.7 | DU | ApproveEligible | No | No | 6.875% | 2 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 29.040% | No | 0 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.14 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116312 | XXXXX | N/A | No | Yes | $0.00 | 6.367% | $851.58 | $851.58 | 6.375% | No | No | Employed | US Citizen | $6,457.60 | 1 | $3,195.84 | $1,723.44 | $266.32 | $143.62 | 25.427% | 25.427% | 25.427% | 02/26/2026 | 784 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.130% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 87.27 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119549 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,270.00 | $4,733.14 | 6.560% | $4,234.86 | $4,234.86 | 6.500% | No | No | Employed | Not Employed | US Citizen | US Citizen | $14,148.97 | 1 | $9,850.92 | $1,136.04 | $820.91 | $94.67 | 47.115% | 47.115% | 47.115% | 02/18/2026 | 774 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,270.00 | 5.980% | $0.00 | 4.4 | DU | ApproveEligible | Yes | No | 6.500% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 79.390% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 74.61 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119296 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,595.00 | $3,934.45 | 6.307% | $2,462.87 | $2,462.87 | 6.250% | No | No | Employed | US Citizen | $13,744.91 | 1 | $5,575.56 | $5,268.00 | $464.63 | $439.00 | 31.276% | 31.276% | 31.276% | 03/02/2026 | 800 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,595.00 | 5.980% | $0.00 | 1.9 | LP / LPA | Accept/Eligible | No | No | 6.250% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 14 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 25.4 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119260 | XXXXX | N/A | No | Yes | $0.00 | 6.464% | $3,052.26 | $3,052.26 | 6.500% | No | No | Employed | Permanent Resident Alien | $7,729.00 | 1 | $7,777.08 | $852.24 | $648.09 | $71.02 | 44.923% | 44.923% | 44.923% | 03/02/2026 | 809 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.980% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.500% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 47.58 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121025 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,990.00 | $3,663.48 | 7.406% | $3,425.75 | $3,425.75 | 7.375% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $18,820.26 | 1 | $9,376.32 | $668.04 | $781.36 | $55.67 | 39.631% | 39.631% | 39.631% | 03/09/2026 | 757 | No | No | [Borrower - |
Primary Income - C-Corp]; Other - 2026 [Borrower - | Primary Income - C-Corp]; Third Party Verification - 2026 [Borrower - | Primary Income - C-Corp]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - C-Corp]; W-2 - 2025 [Borrower - | Primary Income - C-Corp]; 1120 - 2024 [Borrower - | Primary Income - C-Corp]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - C-Corp]; W-2 - 2024 [Borrower - | Primary Income - C-Corp]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,990.00 | 6.020% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 7.375% | 2 | 1 | 2 | 0 | 3 | 2 | No | Not Stated | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.74 | No | No | $0.00 | $5,858.66 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116840 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,390.00 | $2,347.29 | 6.605% | $1,011.31 | $1,011.31 | 6.500% | No | No | Employed | Employed | Self-Employed | 33.28 | US Citizen | US Citizen | US Citizen | $11,571.83 | 1 | $7,112.52 | $2,232.00 | $592.71 | $186.00 | 49.232% | 49.232% | 49.232% | 03/06/2026 | 771 | 757 | 771 | 784 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | [Borrower - |
Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,390.00 | 6.320% | $0.00 | DU | ApproveEligible | No | No | 6.500% | 2 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 25 | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 5.06 | No | No | ($365.33) | $11,051.04 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121271 | XXXXX | N/A | No | Yes | $0.00 | 6.340% | $1,004.43 | $1,004.43 | 6.375% | No | No | Self-Employed | US Citizen | $19,983.21 | 1 | $5,269.68 | $1,795.56 | $439.14 | $149.63 | 21.969% | 21.969% | 21.969% | 03/03/2026 | 795 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.020% | $0.00 | 2.6 | DU | ApproveEligible | No | No | 6.375% | 1 | 1 | 0 | 2 | 0 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 36.78 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115351 | XXXXX | N/A | No | Yes | $0.00 | 6.708% | $5,667.13 | $5,667.13 | 6.750% | No | No | Employed | Not Employed | Permanent Resident Alien | US Citizen | $9,324.85 | 2 | $6,606.00 | $3,716.76 | $550.50 | $309.73 | 24.778% | 24.778% | 24.778% | 01/06/2026 | 782 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.430% | $0.00 | DU | ApproveEligible | No | No | 6.750% | 2 | 0 | 1 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 39.520% | No | 12 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 17.87 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121386 | XXXXX | N/A | No | Yes | $0.00 | 6.960% | $1,224.16 | $1,224.16 | 7.000% | No | No | Employed | Employed | US Citizen | US Citizen | $19,900.21 | 1 | $4,343.16 | $2,511.12 | $361.93 | $209.26 | 26.206% | 26.206% | 26.206% | 02/27/2026 | 789 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.020% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 7.000% | 0 | 0 | 1 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 26 | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 389.27 | No | No | $0.00 | $7,708.33 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118278 | XXXXX | N/A | No | Yes | $0.00 | 6.462% | $2,790.58 | $2,790.58 | 6.500% | No | No | Employed | US Citizen | $16,553.64 | 1 | $8,834.16 | $449.04 | $736.18 | $37.42 | 37.533% | 37.533% | 37.533% | 02/23/2026 | 685 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.990% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.500% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 26 | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 98.35 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118528 | XXXXX | N/A | No | Yes | $0.00 | 6.584% | $2,939.03 | $2,939.03 | 6.625% | No | No | Employed | US Citizen | $15,790.83 | 4 | $13,716.84 | $6,255.24 | $1,143.07 | $521.27 | 48.498% | 48.498% | 48.498% | 02/24/2026 | 734 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; Transcripts (1040) - 2026 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.990% | $0.00 | DU | ApproveEligible | No | No | 6.625% | 0 | 1 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 33.66 | Yes | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114836 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $995.00 | $3,280.00 | 6.551% | $2,275.44 | $2,275.44 | 6.500% | No | No | Employed | US Citizen | $9,496.31 | 1 | $11,843.28 | $1,388.04 | $986.94 | $115.67 | 30.851% | 30.851% | 30.851% | 02/02/2026 | 798 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $995.00 | 6.100% | $0.00 | DU | Yes | ApproveEligible | N/A | No | 6.500% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 86.650% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 73.67 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119346 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,590.00 | $2,744.34 | 6.540% | $4,222.21 | $4,222.21 | 6.500% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $11,390.08 | 1 | $5,025.48 | $11,538.00 | $418.79 | $961.50 | 48.831% | 48.831% | 48.831% | 02/13/2026 | 747 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Coborrower(s) - | Primary Income - Pension]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | Onslow Bay | $1,590.00 | 6.120% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 15.98 | No | No | $6,745.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119924 | XXXXX | N/A | No | Yes | $0.00 | 7.090% | $1,885.84 | $1,885.84 | 7.125% | No | No | Employed | US Citizen | $9,358.96 | 1 | $2,571.48 | $548.04 | $214.29 | $45.67 | 42.520% | 42.520% | 42.520% | 03/01/2026 | 784 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.020% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 7.125% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 55.11 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121314 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,495.00 | $3,863.73 | 6.295% | $2,715.31 | $2,715.31 | 6.250% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $12,464.18 | 1 | $10,440.36 | $1,947.96 | $870.03 | $162.33 | 47.299% | 47.299% | 47.299% | 02/27/2026 | 788 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search /
Directory Assistance - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; Transcripts (1040) - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,495.00 | 6.020% | $0.00 | 1.6 | DU | ApproveEligible | No | No | 6.250% | 1 | 0 | 1 | 0 | 3 | 1 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 118.96 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125307 | XXXXX | N/A | No | Yes | $5,518.44 | $1,557.54 | 6.505% | $2,899.61 | $2,899.61 | 6.500% | No | No | Employed | US Citizen | $18,763.95 | 1 | $4,961.40 | $0.00 | $413.45 | $0.00 | 14.999% | 14.999% | 14.999% | 02/25/2026 | 791 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $5,518.44 | 5.990% | $0.00 | 3.2 | DU | ApproveEligible | Yes | No | 6.500% | 2 | 1 | 0 | 2 | 1 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 308.2 | Yes | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121457 | XXXXX | N/A | No | Yes | $0.00 | 6.960% | $1,247.44 | $1,247.44 | 7.000% | No | No | Employed | US Citizen | $8,455.54 | 1 | $4,526.28 | $978.96 | $377.19 | $81.58 | 28.982% | 28.982% | 28.982% | 03/12/2026 | 792 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.020% | $0.00 | 1.2 | DU | ApproveEligible | Yes | No | 7.000% | 2 | 0 | 0 | 4 | 0 | 0.00 | No | XXXXX | XXXXX | 69.440% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 56.42 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118772 | XXXXX | N/A | No | Yes | $0.00 | 6.621% | $2,002.57 | $2,002.57 | 6.625% | No | No | Employed | Not Employed | US Citizen | US Citizen | $26,505.00 | 1 | $1,686.60 | $585.96 | $140.55 | $48.83 | 27.384% | 27.384% | 27.384% | 03/10/2026 | 757 | No | No | [Borrower - |
Primary Income - K-1 (< 25%)]; Other - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; Paystubs - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; Paystubs - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Primary Income - K-1 (< 25%)]; W-2 - 2024 [Borrower - | Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower - | Primary Income - K-1 (< 25%)]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.990% | $0.00 | LP / LPA | Accept/Eligible | No | No | 6.625% | 2 | 0 | 2 | 0 | 3 | 0 | No | XXXXX | XXXXX | 42.110% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.75 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118922 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,270.00 | $3,381.80 | 6.412% | $1,209.88 | $1,209.88 | 6.250% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $9,513.51 | 1 | $1,695.12 | $839.04 | $141.26 | $69.92 | 33.887% | 33.887% | 33.887% | 02/27/2026 | 751 | Yes | No | [Borrower - |
Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,270.00 | 6.020% | $4,912.50 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 240 | Not Stated | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 925.86 | No | No | $3,322.80 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117632 | XXXXX | N/A | No | Yes | $0.00 | 5.725% | $1,612.16 | $1,612.16 | 5.750% | No | No | Employed | Permanent Resident Alien | $9,112.97 | 1 | $5,118.12 | $1,618.80 | $426.51 | $134.90 | 49.747% | 49.747% | 49.747% | 02/18/2026 | 732 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.430% | $0.00 | 1.2 | DU | ApproveEligible | Yes | No | 5.750% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 127.56 | No | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121499 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,090.00 | $4,207.26 | 6.941% | $2,548.88 | $2,548.88 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $9,900.85 | 1 | $5,449.68 | $986.40 | $454.14 | $82.20 | 37.065% | 37.065% | 37.065% | 03/12/2026 | 820 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,090.00 | 6.020% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 65.930% | No | 26 | 26 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 55.05 | No | No | $5,085.78 | $5,267.75 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119054 | XXXXX | N/A | No | Yes | $2,090.00 | $4,982.14 | 6.166% | $3,645.66 | $3,645.66 | 6.125% | No | No | Self-Employed | US Citizen | $5,007.51 | 1 | $8,358.60 | $3,832.20 | $696.55 | $319.35 | 49.820% | 49.820% | 49.820% | 02/25/2026 | 740 | No | No | [Borrower - |
Primary Income - C-Corp]; Other - 2026 [Borrower - | Primary Income - C-Corp]; Other - 2026 [Borrower - | Primary Income - C-Corp]; Other - 2026 [Borrower - | Primary Income - C-Corp]; Paystubs - 2026 [Borrower - | Primary Income - C-Corp]; Third Party Verification - 2026 [Borrower - | Primary Income - C-Corp]; W-2 - 2025 [Borrower - | Primary Income - C-Corp]; W-2 Transcript - 2025 [Borrower - | Primary Income - C-Corp]; 1120 - 2024 [Borrower - | Primary Income - C-Corp]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - C-Corp]; W-2 - 2024 [Borrower - | Primary Income - C-Corp]; W-2 Transcript - 2024 [Borrower - | Primary Income - C-Corp]; Other - 2021 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,090.00 | 5.990% | $0.00 | 2.1 | DU | ApproveEligible | No | No | 6.125% | 2 | 1 | 0 | 4 | 1 | No | Not Stated | XXXXX | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 526.26 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119667 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.623% | $2,401.17 | $2,401.17 | 6.625% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $11,150.30 | 1 | $3,512.64 | $1,718.76 | $292.72 | $143.23 | 26.225% | 26.225% | 26.225% | 02/27/2026 | 782 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.980% | $3,000.00 | 1.0 | DU | ApproveEligible | No | No | 6.625% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 45.480% | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 31.57 | No | No | $7,774.80 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117384 | XXXXX | N/A | No | Yes | $0.00 | 6.248% | $3,959.06 | $3,959.06 | 6.250% | No | No | Employed | Employed | US Citizen | US Citizen | $15,502.09 | 1 | $11,571.24 | $1,802.04 | $964.27 | $150.17 | 41.207% | 41.207% | 41.207% | 03/12/2026 | 744 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.250% | 0 | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 1 | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.77 | No | No | $0.00 | $9,350.96 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123546 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $3,590.30 | $5,427.84 | 7.548% | $1,754.31 | $1,754.31 | 7.375% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $11,371.83 | 1 | $5,920.56 | $3,305.16 | $493.38 | $275.43 | 49.801% | 49.801% | 49.801% | 02/23/2026 | 705 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Disability]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Disability]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | Onslow Bay | $3,590.30 | 6.220% | $0.00 | LP / LPA | Yes | Accept/Eligible | N/A | No | 7.375% | 1 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 49.460% | No | 13 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 30.45 | No | No | $3,804.26 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122887 | XXXXX | N/A | No | Yes | $0.00 | 8.075% | $1,954.25 | $1,954.25 | 8.125% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $4,368.76 | 1 | $5,881.56 | $2,622.00 | $490.13 | $218.50 | 42.652% | 42.652% | 42.652% | 03/24/2026 | 684 | No | No | [Borrower - |
Primary Income - Pension]; Account Statements - 2026 [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | Onslow Bay | 6.220% | $0.00 | 2.6 | DU | ApproveEligible | No | No | 8.125% | 0 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 27.630% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.05 | No | No | $0.00 | $5,110.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121406 | XXXXX | N/A | No | Yes | $0.00 | 6.966% | $1,410.44 | $1,410.44 | 7.000% | No | No | Employed | Not Employed | US Citizen | US Citizen | $13,349.85 | 1 | $1,890.48 | $1,597.80 | $157.54 | $133.15 | 23.689% | 23.689% | 23.689% | 03/12/2026 | 810 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.020% | $0.00 | 3.3 | LP / LPA | Accept/Eligible | Yes | No | 7.000% | 1 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 34.450% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.24 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121099 | XXXXX | N/A | No | Yes | $1,590.00 | $5,156.11 | 6.656% | $4,594.23 | $4,594.23 | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $14,564.72 | 1 | $11,670.00 | $6,203.40 | $972.50 | $516.95 | 46.689% | 46.689% | 46.689% | 03/13/2026 | 746 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,590.00 | 6.430% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 35.47 | No | No | $0.00 | $16,304.37 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121587 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $4,552.50 | $6,427.42 | 7.010% | $2,502.90 | $2,502.90 | 6.875% | No | No | Employed | US Citizen | $8,267.37 | 1 | $4,902.00 | $2,595.72 | $408.50 | $216.31 | 43.306% | 43.306% | 43.306% | 03/09/2026 | 788 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $4,552.50 | 6.020% | $0.00 | LP / LPA | Accept/Eligible | N/A | No | 6.875% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 193.19 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118678 | XXXXX | N/A | No | Yes | $0.00 | 6.222% | $6,649.75 | $6,649.75 | 6.250% | No | No | Employed | Non-Permanent Resident Alien | $13,096.97 | 1 | $31,979.52 | $1,767.96 | $2,664.96 | $147.33 | 35.324% | 35.324% | 35.324% | 01/22/2026 | 770 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.370% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.250% | 1 | 1 | 0 | 3 | 3 | 0.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | 8.15 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125071 | XXXXX | N/A | No | Yes | $0.00 | 6.843% | $936.12 | $936.12 | 6.875% | No | No | Employed | Employed | US Citizen | Permanent Resident Alien | $9,398.01 | 1 | $1,869.48 | $488.52 | $155.79 | $40.71 | 29.706% | 29.706% | 29.706% | 03/10/2026 | 715 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.020% | $0.00 | 2.6 | DU | ApproveEligible | Yes | No | 6.875% | 0 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 48.840% | No | 3 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 23.23 | No | No | $0.00 | $7,593.73 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123406 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $0.00 | $5,946.70 | 6.657% | $4,802.33 | $4,802.33 | 6.625% | No | No | Employed | US Citizen | $23,893.83 | 1 | $17,750.88 | $3,858.00 | $1,479.24 | $321.50 | 36.450% | 36.450% | 36.450% | 03/01/2026 | 815 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.220% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 30.050% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.18 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119532 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $7,017.90 | $4,842.53 | 6.803% | $1,779.94 | $1,779.94 | 6.625% | No | No | Employed | US Citizen | $4,509.48 | 1 | $3,273.12 | $2,226.48 | $272.76 | $185.54 | 49.828% | 49.828% | 49.828% | 12/29/2025 | 780 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $7,017.90 | 5.980% | $10,000.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 26.080% | No | 25 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.81 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119320 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,370.00 | $3,132.99 | 6.883% | $3,152.60 | $3,152.60 | 6.875% | No | No | Employed | US Citizen | $10,163.96 | 1 | $5,312.76 | $1,725.00 | $442.73 | $143.75 | 30.050% | 30.050% | 30.050% | 02/19/2026 | 804 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,370.00 | 5.980% | $10,000.00 | 1.0 | DU | ApproveEligible | No | No | 6.875% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 20.650% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.5 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117957 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 7.067% | $673.72 | $673.72 | 7.125% | No | No | Employed | US Citizen | $5,392.62 | 1 | $605.04 | $600.96 | $50.42 | $50.08 | 40.561% | 40.561% | 40.561% | 01/28/2026 | 749 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $2,650.00 | 2.6 | DU | ApproveEligible | Yes | No | 7.125% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 32.710% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.2 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120943 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $6,145.00 | $8,553.40 | 6.450% | $2,093.44 | $2,093.44 | 6.250% | No | No | Non-Employment Income | US Citizen | $3,874.48 | 1 | $2,832.12 | $5,423.16 | $236.01 | $451.93 | 49.922% | 49.922% | 49.922% | 02/23/2026 | 813 | No | No | [Borrower - |
Primary Income - Social Security]; Award Letter / Continuance Letter -
2026 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | Onslow Bay | $6,145.00 | 6.020% | $10,000.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 6.250% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 23.520% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 2.36 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119827 | XXXXX | N/A | No | Yes | $0.00 | 6.222% | $3,039.80 | $3,039.80 | 6.250% | No | No | Employed | US Citizen | $30,310.11 | 4 | $3,846.12 | $6,053.04 | $320.51 | $504.42 | 28.448% | 28.448% | 28.448% | 03/04/2026 | 760 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.980% | $0.00 | DU | ApproveEligible | No | No | 6.250% | 2 | 1 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 551.31 | No | No | $0.00 | $0.00 | No | No | No | No | 9 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125500 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $3,197.50 | $5,712.60 | 7.347% | $1,019.88 | $1,019.88 | 6.875% | No | No | Employed | US Citizen | $2,555.73 | 1 | $1,959.00 | $2,405.88 | $163.25 | $200.49 | 35.451% | 35.451% | 35.451% | 02/19/2026 | 771 | No | No | [Borrower - |
Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Primary Income - Wages]; Military VOE - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Rations]; Leave and Earnings Statement (LES) - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | Onslow Bay | $3,197.50 | 5.980% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.875% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 28.320% | No | 36 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.59 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119151 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,882.50 | $4,283.45 | 6.035% | $3,897.08 | $3,897.08 | 6.000% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $11,301.43 | 1 | $7,208.76 | $5,488.08 | $600.73 | $457.34 | 49.480% | 49.480% | 49.480% | 02/19/2026 | 777 | No | No | [Borrower - |
Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; Business License - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,882.50 | 5.980% | $552,000.00 | 3.1 | DU | ApproveEligible | Yes | No | 6.000% | 0 | 0 | 2 | 0 | 2 | 0 | No | Not Stated | XXXXX | XXXXX | 18.440% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 40.98 | No | No | $0.00 | $14,720.84 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125830 | XXXXX | Higher Priced QM (APOR) | Yes | Yes | $10,468.00 | $14,560.00 | 8.081% | $2,980.27 | $2,980.27 | 7.750% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $10,868.24 | 1 | $6,827.64 | $3,936.00 | $568.97 | $328.00 | 46.170% | 46.170% | 46.170% | 03/18/2026 | 690 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $10,468.00 | 6.430% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.750% | 0 | 1 | 1 | 0 | 4 | 1 | No | Not Stated | XXXXX | XXXXX | 20.140% | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.31 | No | No | $0.00 | $9,936.60 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120286 | XXXXX | N/A | No | Yes | $1,764.86 | $3,031.82 | 7.273% | $1,119.48 | $1,119.48 | 7.125% | No | No | Non-Employment Income | US Citizen | $4,236.33 | 1 | $1,579.20 | $638.04 | $131.60 | $53.17 | 47.475% | 47.475% | 47.475% | 03/04/2026 | 784 | No | No | [Borrower - |
Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2026 [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Other - 2026 [Borrower - | Primary Income - Social Security]; Other - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | Onslow Bay | $1,764.86 | 5.980% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.125% | 0 | 2 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 66.22 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119270 | XXXXX | N/A | No | Yes | $0.00 | 6.464% | $1,422.15 | $1,422.15 | 6.500% | No | No | Non-Employment Income | US Citizen | $7,618.97 | 1 | $3,237.96 | $998.88 | $269.83 | $83.24 | 38.185% | 38.185% | 38.185% | 12/12/2025 | 785 | No | No | [Borrower - |
Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Capital Gains]; Account Statements - 2026 [Borrower - | Non-Primary Income - Capital Gains]; Other - 2024 [Borrower - | Non-Primary Income - Capital Gains]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | Onslow Bay | 5.980% | $0.00 | 1.6 | DU | ApproveEligible | Yes | No | 6.500% | 0 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 94.470% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 110.95 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123603 | XXXXX | N/A | No | Yes | $0.00 | 6.723% | $1,362.06 | $1,362.06 | 6.750% | No | No | Not Employed | Employed | US Citizen | US Citizen | $8,484.22 | 1 | $1,145.88 | $1,800.12 | $95.49 | $150.01 | 28.458% | 28.458% | 28.458% | 03/27/2026 | 790 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.220% | $0.00 | 3.1 | LP / LPA | Accept/Eligible | No | No | 6.750% | 0 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 121.41 | No | No | $0.00 | $11,859.14 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125323 | XXXXX | N/A | No | Yes | $0.00 | 6.725% | $1,721.07 | $1,721.07 | 6.750% | No | No | Non-Employment Income | US Citizen | $5,970.71 | 1 | $1,997.88 | $1,176.24 | $166.49 | $98.02 | 36.067% | 36.067% | 36.067% | 03/16/2026 | 812 | No | No | [Borrower - |
Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Annuity]; 1099 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | Yes | Onslow Bay | 6.370% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.750% | 0 | 1 | 0 | 1 | 0 | 0.00 | No | XXXXX | XXXXX | 44.610% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 29.96 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126001 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $7,578.20 | $10,952.16 | 6.481% | $4,866.19 | $4,866.19 | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $63,662.09 | 1 | $2,323.20 | $2,964.00 | $193.60 | $247.00 | 24.274% | 24.274% | 24.274% | 03/15/2026 | 782 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | Onslow Bay | $7,578.20 | 6.120% | $0.00 | 1.8 | DU | ApproveEligible | No | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 95.850% | No | 26 | 26 | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 134.87 | No | No | $0.00 | $66,666.67 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120993 | XXXXX | N/A | No | Yes | $0.00 | 6.227% | $1,446.94 | $1,446.94 | 6.250% | No | No | Employed | US Citizen | $7,154.09 | 1 | $9,570.24 | $405.96 | $797.52 | $33.83 | 49.796% | 49.796% | 49.796% | 03/11/2026 | 792 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.020% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.250% | 2 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 216.65 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119840 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $0.00 | $1,227.26 | 6.636% | $2,146.32 | $2,146.32 | 6.625% | No | No | Employed | Not Employed | US Citizen | US Citizen | $55,830.37 | 1 | $5,607.48 | $4,740.24 | $467.29 | $395.02 | 10.528% | 10.528% | 10.528% | 03/04/2026 | 764 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.980% | $0.00 | DU | ApproveEligible | N/A | No | 6.625% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 206.57 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119783 | XXXXX | N/A | No | Yes | $0.00 | 6.600% | $797.19 | $797.19 | 6.625% | No | No | Self-Employed | US Citizen | $6,165.35 | 1 | $3,397.44 | $1,603.20 | $283.12 | $133.60 | 42.437% | 42.437% | 42.437% | 03/06/2026 | 765 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.980% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.625% | 1 | 1 | 0 | 2 | 1 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.16 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123787 | XXXXX | N/A | No | Yes | $0.00 | 7.332% | $2,676.37 | $2,676.37 | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $11,186.24 | 1 | $3,620.16 | $1,700.04 | $301.68 | $141.67 | 44.481% | 44.481% | 44.481% | 03/19/2026 | 722 | No | No | [Borrower - |
Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.430% | $0.00 | 4.1 | DU | ApproveEligible | No | No | 7.375% | 1 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.2 | No | No | $0.00 | $15,028.72 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124345 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $5,545.00 | $7,168.30 | 7.651% | $2,831.82 | $2,831.82 | 7.500% | No | No | Employed | Employed | US Citizen | US Citizen | $12,647.48 | 1 | $1,289.40 | $900.00 | $107.45 | $75.00 | 34.361% | 34.361% | 34.361% | 01/13/2026 | 763 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $5,545.00 | 6.430% | $0.00 | 1.8 | DU | ApproveEligible | Yes | No | 7.500% | 0 | 1 | 0 | 0 | 1 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.45 | Yes | No | $0.00 | $4,684.74 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121388 | XXXXX | N/A | No | Yes | $0.00 | 6.723% | $1,906.88 | $1,906.88 | 6.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $9,171.40 | 1 | $7,593.24 | $740.04 | $632.77 | $61.67 | 35.668% | 35.668% | 35.668% | 03/13/2026 | 784 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search /
Directory Assistance - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.020% | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | 6.750% | 0 | 0 | 2 | 0 | 3 | 2 | No | XXXXX | XXXXX | 51.990% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 70.77 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123696 | XXXXX | N/A | No | Yes | $0.00 | 7.096% | $948.60 | $948.60 | 7.125% | No | No | Employed | US Citizen | $4,446.80 | 1 | $1,506.96 | $1,121.04 | $125.58 | $93.42 | 41.715% | 41.715% | 41.715% | 03/21/2026 | 773 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.430% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 7.125% | 0 | 0 | 0 | 3 | 3 | 0.00 | No | XXXXX | XXXXX | 50.790% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 39.32 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122664 | XXXXX | N/A | No | Yes | $0.00 | 6.600% | $1,620.31 | $1,620.31 | 6.625% | No | No | Self-Employed | US Citizen | $4,203.40 | 1 | $2,821.32 | $785.04 | $235.11 | $65.42 | 43.142% | 43.142% | 43.142% | 04/03/2026 | 779 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Business License - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.120% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.625% | 1 | 1 | 0 | 1 | 1 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.05 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120689 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 7.216% | $1,255.20 | $1,255.20 | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $14,342.55 | 1 | $2,108.88 | $1,849.92 | $175.74 | $154.16 | 39.461% | 39.461% | 39.461% | 03/09/2026 | 771 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.020% | $4,600.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.250% | 1 | 0 | 1 | 0 | 4 | 0 | 0.00 | No | XXXXX | XXXXX | 92.150% | No | 15 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 102.79 | No | No | $0.00 | $11,606.53 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119252 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,590.00 | $3,726.83 | 6.459% | $1,840.42 | $1,840.42 | 6.375% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $10,237.55 | 1 | $1,336.56 | $2,901.96 | $111.38 | $241.83 | 38.654% | 38.654% | 38.654% | 01/20/2026 | 792 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,590.00 | 5.980% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.375% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 99.040% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 121.4 | No | No | $1,388.30 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120688 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $6,290.00 | $7,932.26 | 6.167% | $2,338.25 | $2,338.25 | 6.000% | No | No | Non-Employment Income | Employed | Employed | Employed | 6.65 | 15.88 | US Citizen | US Citizen | US Citizen | US Citizen | $12,335.21 | 1 | $5,562.00 | $645.12 | $463.50 | $53.76 | 47.303% | 47.303% | 47.303% | 03/23/2026 | 788 | 777 | 821 | 804 | 788 | 790 | 770 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 5-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - |
Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Note Receivable]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Note Receivable]; Note - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | Onslow Bay | $6,290.00 | 6.020% | $0.00 | 1.6 | LP / LPA | Accept/Eligible | Yes | No | 6.000% | 0 | 1 | 1 | 0 | 4 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 15 | 27 | 27 | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | Individual | Individual | Individual | Individual | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 56.4 | No | No | $3,774.25 | $15,939.14 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126259 | XXXXX | N/A | No | Yes | $1,050.00 | $292.05 | 6.479% | $2,209.94 | $2,209.94 | 6.490% | No | No | Self-Employed | US Citizen | $8,824.28 | 1 | $9,888.12 | $597.12 | $824.01 | $49.76 | 45.354% | 45.354% | 45.354% | 03/18/2026 | 808 | No | No | [Borrower - |
Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,050.00 | 6.430% | $0.00 | DU | Yes | ApproveEligible | N/A | No | 6.490% | 0 | 1 | 0 | 1 | 0 | No | Not Stated | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 16.98 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126435 | XXXXX | N/A | No | Yes | $0.00 | 7.601% | $976.76 | $976.76 | 7.625% | No | No | Employed | Permanent Resident Alien | $9,787.91 | 1 | $1,959.96 | $1,674.00 | $163.33 | $139.50 | 38.994% | 38.994% | 38.994% | 03/05/2026 | 752 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2022 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-T - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-T - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-T - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.430% | $0.00 | 3.3 | LP / LPA | Accept/Eligible | No | No | 7.625% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 31.540% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 9.94 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126516 | XXXXX | N/A | No | Yes | $0.00 | 6.109% | $3,015.27 | $3,015.27 | 6.125% | No | No | Employed | US Citizen | $15,404.51 | 1 | $14,103.72 | $804.96 | $1,175.31 | $67.08 | 45.944% | 45.944% | 45.944% | 03/10/2026 | 795 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.370% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.125% | 2 | 1 | 0 | 1 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 79.73 | No | No | $0.00 | $0.00 | No | No | No | No | 10 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123387 | XXXXX | N/A | No | Yes | $0.00 | 6.725% | $3,291.64 | $3,291.64 | 6.750% | No | No | Not Employed | Employed | US Citizen | US Citizen | $19,566.18 | 2 | $11,835.84 | $2,159.04 | $986.32 | $179.92 | 42.026% | 42.026% | 42.026% | 02/12/2026 | 775 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.220% | $0.00 | LP / LPA | Accept/Eligible | No | No | 6.750% | 0 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 78.820% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 73.54 | Yes | No | $0.00 | $33,749.99 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122939 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $4,432.00 | $5,825.07 | 7.546% | $1,867.12 | $1,867.12 | 7.250% | No | No | Non-Employment Income | US Citizen | $5,370.24 | 1 | $747.96 | $1,463.40 | $62.33 | $121.95 | 48.939% | 48.939% | 48.939% | 03/23/2026 | 788 | No | No | [Borrower - |
Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | Onslow Bay | $4,432.00 | 6.220% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 38.810% | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 9.74 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118953 | XXXXX | N/A | No | Yes | $0.00 | 6.597% | $1,091.73 | $1,091.73 | 6.625% | No | No | Employed | US Citizen | $4,704.16 | 1 | $3,751.20 | $993.00 | $312.60 | $82.75 | 47.732% | 47.732% | 47.732% | 02/26/2026 | 743 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.370% | $0.00 | 2.1 | LP / LPA | Accept/Eligible | No | No | 6.625% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 26.88 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116999 | XXXXX | N/A | No | Yes | $0.00 | 6.352% | $2,732.55 | $2,732.55 | 6.375% | No | No | Employed | Permanent Resident Alien | $8,942.72 | 3 | $7,759.56 | $3,721.08 | $646.63 | $310.09 | 44.447% | 44.447% | 44.447% | 03/05/2026 | 741 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.130% | $0.00 | DU | ApproveEligible | No | No | 6.375% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 58.79 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123187 | XXXXX | N/A | No | Yes | $0.00 | 6.856% | $3,900.55 | $3,900.55 | 6.875% | No | No | Employed | US Citizen | $3,649.87 | 1 | $12,411.24 | $2,396.76 | $1,034.27 | $199.73 | 48.979% | 48.979% | 48.979% | 03/27/2026 | 756 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.220% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.875% | 1 | 1 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 27 | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.4 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123491 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.860% | $4,865.21 | $4,865.21 | 6.875% | No | No | Employed | Permanent Resident Alien | $11,913.53 | 2 | $13,327.20 | $1,896.00 | $1,110.60 | $158.00 | 35.017% | 35.017% | 35.017% | 03/05/2026 | 760 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.220% | $0.00 | DU | ApproveEligible | No | No | 6.875% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 54.760% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 90.46 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123847 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $3,290.00 | $4,436.83 | 7.100% | $2,594.68 | $2,594.68 | 7.000% | No | No | Employed | Employed | US Citizen | US Citizen | $14,418.14 | 1 | $3,033.72 | $1,149.00 | $252.81 | $95.75 | 27.728% | 27.728% | 27.728% | 03/25/2026 | 766 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $3,290.00 | 6.430% | $4,000.00 | DU | Yes | ApproveEligible | N/A | No | 7.000% | 1 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 58.580% | No | 18 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.1 | No | No | $0.00 | $12,402.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123723 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $0.00 | $944.74 | 7.248% | $4,693.37 | $4,693.37 | 7.250% | No | No | Employed | Not Employed | US Citizen | US Citizen | $14,127.84 | 1 | $9,187.20 | $3,542.64 | $765.60 | $295.22 | 32.309% | 32.309% | 32.309% | 03/17/2026 | 801 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.430% | $0.00 | DU | Yes | ApproveEligible | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 1 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 32.460% | No | 26 | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.41 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127011 | XXXXX | N/A | No | Yes | $0.00 | 6.362% | $3,063.20 | $3,063.20 | 6.375% | No | No | Employed | Permanent Resident Alien | $27,852.18 | 1 | $12,565.32 | $642.00 | $1,047.11 | $53.50 | 31.981% | 31.981% | 31.981% | 03/01/2026 | 803 | No | No | [Borrower - |
Primary Income - Wages]; Account Statements - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2023 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2022 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.370% | $0.00 | DU | Yes | ApproveEligible | N/A | No | 6.375% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 182.6 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116738 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,694.64 | $6,655.96 | 6.430% | $4,307.20 | $4,307.20 | 6.375% | No | No | Employed | US Citizen | $30,422.15 | 1 | $2,119.44 | $2,175.96 | $176.62 | $181.33 | 20.898% | 20.898% | 20.898% | 02/11/2026 | 791 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,694.64 | 5.980% | $13,000.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 6.375% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 54.400% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 62.36 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123582 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,890.00 | $3,330.90 | 6.953% | $2,364.62 | $2,364.62 | 6.875% | No | No | Employed | US Citizen | $16,180.14 | 1 | $2,882.88 | $648.00 | $240.24 | $54.00 | 35.279% | 35.279% | 35.279% | 03/30/2026 | 796 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,890.00 | 6.220% | $0.00 | 2.0 | DU | ApproveEligible | No | No | 6.875% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 89.160% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 99.94 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125472 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $3,330.31 | $4,459.67 | 6.589% | $2,697.35 | $2,697.35 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $8,823.63 | 1 | $6,238.80 | $3,304.44 | $519.90 | $275.37 | 47.969% | 47.969% | 47.969% | 03/16/2026 | 761 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $3,330.31 | 6.370% | $5,000.00 | LP / LPA | Yes | Accept/Eligible | N/A | No | 6.500% | 0 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 54.290% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 42.46 | No | No | $0.00 | $5,708.33 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122556 | XXXXX | N/A | No | Yes | $0.00 | 7.485% | $4,866.53 | $4,866.53 | 7.500% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $9,118.13 | 1 | $5,528.16 | $3,163.92 | $460.68 | $263.66 | 47.561% | 47.561% | 47.561% | 03/30/2026 | 741 | No | No | [Borrower - |
Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.120% | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | 7.500% | 0 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 30.070% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.46 | No | No | $13,977.50 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119871 | XXXXX | N/A | No | Yes | $0.00 | 6.737% | $2,795.46 | $2,795.46 | 6.750% | No | No | Not Employed | Employed | US Citizen | US Citizen | $17,930.12 | 1 | $4,098.36 | $820.92 | $341.53 | $68.41 | 33.868% | 33.868% | 33.868% | 03/04/2026 | 787 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 5.980% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.750% | 0 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 26 | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | 91.43 | No | No | $0.00 | $27,112.80 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127418 | XXXXX | N/A | No | Yes | $1,050.00 | $217.98 | 5.997% | $3,596.94 | $3,596.94 | 6.000% | No | No | Employed | US Citizen | $8,110.57 | 1 | $8,101.44 | $723.96 | $675.12 | $60.33 | 49.519% | 49.519% | 49.519% | 03/16/2026 | 809 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,050.00 | 6.370% | $0.00 | DU | Yes | ApproveEligible | N/A | No | 6.000% | 2 | 1 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 285.13 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125096 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $4,762.80 | $7,190.58 | 7.709% | $4,405.05 | $4,405.05 | 7.500% | No | No | Employed | Not Employed | US Citizen | US Citizen | $20,955.54 | 1 | $5,799.96 | $6,367.20 | $483.33 | $530.60 | 35.641% | 35.641% | 35.641% | 01/19/2026 | 799 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $4,762.80 | 6.430% | $5,500.00 | 1.0 | DU | ApproveEligible | No | No | 7.500% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 155.76 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125058 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,804.00 | $4,658.15 | 7.097% | $2,943.96 | $2,943.96 | 7.000% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $10,577.75 | 1 | $8,596.20 | $1,883.04 | $716.35 | $156.92 | 35.681% | 35.681% | 35.681% | 03/31/2026 | 698 | No | No | [Borrower - |
Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | Onslow Bay | $1,804.00 | 6.430% | $0.00 | LP / LPA | Yes | Accept/Eligible | N/A | No | 7.000% | 0 | 0 | 2 | 0 | 3 | 1 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 265.39 | No | No | $12,701.60 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124027 | XXXXX | N/A | No | Yes | $0.00 | 6.735% | $3,768.35 | $3,768.35 | 6.750% | No | No | Employed | US Citizen | $13,303.46 | 1 | $9,438.12 | $737.40 | $786.51 | $61.45 | 38.354% | 38.354% | 38.354% | 03/25/2026 | 738 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.430% | $0.00 | 1.1 | DU | ApproveEligible | N/A | No | 6.750% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 63.310% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 101.19 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125441 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,720.00 | $6,145.38 | 6.444% | $4,990.96 | $4,990.96 | 6.375% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $12,763.07 | 1 | $21,231.48 | $3,880.20 | $1,769.29 | $323.35 | 43.174% | 43.174% | 43.174% | 03/30/2026 | 775 | No | No | [Borrower - |
Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Primary Income - IRA Distribution]; 1099-R - 2024 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | Onslow Bay | $1,720.00 | 6.430% | $5,000.00 | 2.7 | DU | ApproveEligible | No | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 197.71 | No | No | $2,459.70 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125428 | XXXXX | N/A | No | Yes | $0.00 | 6.613% | $2,401.17 | $2,401.17 | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $11,550.37 | 1 | $5,767.56 | $5,824.92 | $480.63 | $485.41 | 44.394% | 44.394% | 44.394% | 03/18/2026 | 699 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.370% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 6.625% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 228.11 | No | No | $0.00 | $5,391.16 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126418 | XXXXX | N/A | No | Yes | $2,585.00 | $3,335.27 | 6.892% | $1,426.92 | $1,426.92 | 6.750% | No | No | Non-Employment Income | US Citizen | $23,268.41 | 1 | $7,759.80 | $2,805.36 | $646.65 | $233.78 | 38.498% | 38.498% | 38.498% | 04/17/2026 | 781 | No | No | [Borrower - |
Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,585.00 | 6.300% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 95.14 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121414 | XXXXX | N/A | No | Yes | $0.00 | 6.486% | $4,224.11 | $4,224.11 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $33,130.83 | 2 | $9,984.96 | $2,517.00 | $832.08 | $209.75 | 10.948% | 10.948% | 10.948% | 03/12/2026 | 809 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Trust Income]; K-1 - 2025 [Borrower - | Non-Primary Income - Trust Income]; K-1 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.020% | $0.00 | DU | ApproveEligible | No | No | 6.500% | 2 | 2 | 2 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | 27 | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 156.96 | No | No | $0.00 | $2,703.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125420 | XXXXX | N/A | No | Yes | $0.00 | 6.618% | $1,968.30 | $1,968.30 | 6.625% | No | No | Employed | US Citizen | $12,021.45 | 1 | $2,436.00 | $593.04 | $203.00 | $49.42 | 47.542% | 47.542% | 47.542% | 02/13/2026 | 781 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.370% | $0.00 | 2.6 | LP / LPA | Accept/Eligible | Yes | No | 6.625% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.92 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125540 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $4,375.00 | $5,058.56 | 7.556% | $1,940.80 | $1,940.80 | 7.375% | No | No | Employed | US Citizen | $5,912.90 | 1 | $2,912.76 | $669.96 | $242.73 | $55.83 | 47.086% | 47.086% | 47.086% | 03/25/2026 | 742 | No | No | [Borrower - |
Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $4,375.00 | 6.370% | $0.00 | 1.9 | DU | ApproveEligible | Yes | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 103.23 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123374 | XXXXX | Higher Priced QM (APOR) | Yes | Yes | $8,488.89 | $9,625.79 | 8.396% | $5,013.95 | $5,013.95 | 8.250% | No | No | Not Employed | Employed | Employed | 18.56 | US Citizen | US Citizen | US Citizen | $15,324.52 | 1 | $7,363.44 | $2,813.04 | $613.62 | $234.42 | 44.860% | 44.860% | 44.860% | 02/18/2026 | 730 | 787 | 800 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - |
Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $8,488.89 | 6.220% | $0.00 | 1.5 | DU | ApproveEligible | N/A | No | 8.250% | 0 | 1 | 1 | 0 | 4 | 1 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | No | 110.48 | No | No | $0.00 | $24,254.98 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123676 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,905.00 | $3,751.66 | 7.345% | $2,621.60 | $2,621.60 | 7.250% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $9,634.15 | 1 | $6,917.88 | $3,953.52 | $576.49 | $329.46 | 40.980% | 40.980% | 40.980% | 03/18/2026 | 690 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Pension]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Pension]; 1099-R - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,905.00 | 6.430% | $0.00 | 4.3 | LP / LPA | Accept/Eligible | No | No | 7.250% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 358.77 | No | No | $10,740.19 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123460 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 7.367% | $839.17 | $839.17 | 7.375% | No | No | Employed | US Citizen | $5,618.30 | 1 | $3,240.72 | $575.76 | $270.06 | $47.98 | 41.831% | 41.831% | 41.831% | 03/25/2026 | 666 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.220% | $2,000.00 | 4.1 | DU | ApproveEligible | Yes | No | 7.375% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 129.38 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117301 | XXXXX | N/A | No | Yes | $0.00 | 5.122% | $1,403.91 | $1,403.91 | 5.125% | No | No | Employed | US Citizen | $5,619.64 | 2 | $8,035.80 | $2,061.96 | $669.65 | $171.83 | 29.677% | 29.677% | 29.677% | 01/17/2026 | 767 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.100% | $0.00 | DU | ApproveEligible | No | No | 5.125% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.98 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121619 | XXXXX | N/A | No | Yes | $0.00 | 7.121% | $2,900.36 | $2,900.36 | 7.125% | No | No | Employed | US Citizen | $15,440.57 | 1 | $9,360.12 | $1,484.52 | $780.01 | $123.71 | 41.486% | 41.486% | 41.486% | 01/30/2026 | 771 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.020% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.125% | 2 | 1 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 40.430% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.14 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124685 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,748.45 | $3,236.70 | 7.036% | $1,215.32 | $1,215.32 | 6.875% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $9,730.76 | 1 | $2,261.16 | $1,773.96 | $188.43 | $147.83 | 42.215% | 42.215% | 42.215% | 03/19/2026 | 784 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,748.45 | 6.430% | $0.00 | DU | ApproveEligible | No | No | 6.875% | 1 | 0 | 2 | 0 | 2 | 0 | No | Not Stated | XXXXX | XXXXX | 70.420% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.48 | No | No | $4,019.47 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121389 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,495.00 | $2,972.95 | 7.062% | $2,910.70 | $2,910.70 | 7.000% | No | No | Employed | Employed | US Citizen | US Citizen | $7,721.15 | 1 | $4,829.52 | $1,541.04 | $402.46 | $128.42 | 45.532% | 45.532% | 45.532% | 04/16/2026 | 711 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,495.00 | 6.370% | $0.00 | 2.5 | DU | ApproveEligible | N/A | No | 7.000% | 1 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 178.04 | No | No | $0.00 | $10,157.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126146 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.873% | $2,364.94 | $2,364.94 | 6.875% | No | No | Non-Employment Income | US Citizen | $6,679.92 | 1 | $1,653.48 | $2,351.04 | $137.79 | $195.92 | 43.362% | 43.362% | 43.362% | 03/25/2026 | 736 | No | No | [Borrower - |
Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - IRA Distribution]; 1099 - 2024 [Borrower - | Primary Income - IRA Distribution]; 1099 - 2023 [Borrower - | Non-Primary Income - Child Support]; Account Statements - 2026 [Borrower - | Non-Primary Income - Child Support]; Child Support Order - 2023 [Borrower - | Non-Primary Income - Child Support]; Divorce Decree - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | Onslow Bay | 6.300% | $5,000.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.875% | 0 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 1073.35 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122734 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,945.00 | $3,259.56 | 6.561% | $2,717.89 | $2,717.89 | 6.500% | No | No | Employed | US Citizen | $46,177.00 | 1 | $3,753.96 | $4,087.20 | $312.83 | $340.60 | 17.686% | 17.686% | 17.686% | 02/11/2026 | 780 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,945.00 | 6.120% | $13,607.09 | 2.6 | DU | ApproveEligible | Yes | No | 6.500% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 64.800% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 36.71 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126071 | XXXXX | N/A | No | Yes | $0.00 | 6.746% | $1,952.28 | $1,952.28 | 6.750% | No | No | Employed | Not Employed | US Citizen | US Citizen | $31,761.55 | 2 | $2,844.84 | $1,796.04 | $237.07 | $149.67 | 29.404% | 29.404% | 29.404% | 02/24/2026 | 750 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; Account Transcripts - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; Account Transcripts - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.370% | $0.00 | DU | ApproveEligible | No | No | 6.750% | 1 | 0 | 1 | 0 | 1 | 1 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 86.84 | No | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126076 | XXXXX | N/A | No | Yes | $0.00 | 6.746% | $1,952.28 | $1,952.28 | 6.750% | No | No | Employed | Not Employed | US Citizen | US Citizen | $31,699.57 | 2 | $2,855.16 | $1,792.92 | $237.93 | $149.41 | 27.782% | 27.782% | 27.782% | 03/04/2026 | 750 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.370% | $0.00 | DU | ApproveEligible | N/A | No | 6.750% | 1 | 0 | 1 | 0 | 1 | 1 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 113.87 | No | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125453 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $4,045.00 | $4,997.39 | 6.691% | $4,383.54 | $4,383.54 | 6.625% | No | No | Self-Employed | US Citizen | $34,473.00 | 1 | $6,561.84 | $1,578.96 | $546.82 | $131.58 | 34.615% | 34.615% | 34.615% | 04/06/2026 | 760 | No | No | [Borrower - |
Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $4,045.00 | 6.370% | $3,000.00 | 1.0 | DU | ApproveEligible | No | No | 6.625% | 0 | 1 | 0 | 3 | 0 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 214.49 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119534 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,695.00 | $2,700.26 | 6.591% | $1,718.72 | $1,718.72 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $18,897.59 | 1 | $2,132.88 | $2,025.96 | $177.74 | $168.83 | 26.192% | 26.192% | 26.192% | 03/25/2026 | 778 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,695.00 | 5.980% | $6,500.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 97.340% | No | 26 | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 125.61 | No | No | $0.00 | $15,000.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119890 | XXXXX | N/A | No | Yes | $2,495.00 | $3,002.66 | 6.515% | $1,247.74 | $1,247.74 | 6.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $9,931.50 | 1 | $5,910.60 | $1,730.04 | $492.55 | $144.17 | 49.610% | 49.610% | 49.610% | 04/05/2026 | 739 | No | No | [Borrower - |
Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; Tax Return Extension - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; Tax Return Extension - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,495.00 | 5.980% | $0.00 | 4.0 | DU | ApproveEligible | Yes | No | 6.375% | 0 | 0 | 2 | 0 | 2 | 0 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 220.28 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125974 | XXXXX | N/A | No | No | $1,990.00 | $2,829.72 | 6.750% | $1,383.07 | $1,383.07 | 6.625% | No | No | Employed | Not Employed | US Citizen | US Citizen | $31,203.54 | 2 | $4,691.04 | $1,239.96 | $390.92 | $103.33 | 30.644% | 30.644% | 30.644% | 02/24/2026 | 750 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | Onslow Bay | $1,990.00 | 6.370% | $0.00 | DU | ApproveEligible | No | No | 6.625% | 1 | 0 | 1 | 0 | 2 | 1 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 258.19 | No | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119868 | XXXXX | N/A | No | Yes | $310.00 | $822.90 | 6.408% | $1,341.32 | $1,341.32 | 6.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $9,814.29 | 1 | $4,642.92 | $2,258.04 | $386.91 | $188.17 | 49.902% | 49.902% | 49.902% | 04/21/2026 | 739 | No | No | [Borrower - |
Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; Tax Return Extension - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $310.00 | 5.980% | $0.00 | 1.6 | DU | ApproveEligible | Yes | No | 6.375% | 0 | 0 | 2 | 0 | 2 | 0 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 215.37 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128188 | XXXXX | N/A | No | Yes | $0.00 | 6.248% | $1,921.04 | $1,921.04 | 6.250% | No | No | Employed | Not Employed | US Citizen | US Citizen | $15,225.44 | 1 | $10,298.88 | $3,133.44 | $858.24 | $261.12 | 46.381% | 46.381% | 46.381% | 03/17/2026 | 789 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.370% | $0.00 | DU | Yes | ApproveEligible | N/A | No | 6.250% | 2 | 0 | 1 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.21 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126080 | XXXXX | N/A | No | Yes | $0.00 | 6.746% | $1,952.28 | $1,952.28 | 6.750% | No | No | Employed | Not Employed | US Citizen | US Citizen | $31,971.93 | 2 | $2,807.52 | $1,796.04 | $233.96 | $149.67 | 28.936% | 28.936% | 28.936% | 03/11/2026 | 750 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; Account Transcripts - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; Account Transcripts - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.370% | $0.00 | DU | ApproveEligible | No | No | 6.750% | 1 | 0 | 1 | 0 | 1 | 1 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 243.32 | No | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126069 | XXXXX | N/A | No | Yes | $0.00 | 6.497% | $3,043.41 | $3,043.41 | 6.500% | No | No | Employed | Not Employed | US Citizen | US Citizen | $31,124.57 | 4 | $10,254.72 | $5,042.04 | $854.56 | $420.17 | 29.092% | 29.092% | 29.092% | 03/11/2026 | 750 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.370% | $0.00 | DU | ApproveEligible | N/A | No | 6.500% | 1 | 0 | 1 | 0 | 1 | 1 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 62.8 | No | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125092 | XXXXX | N/A | No | No | $0.00 | $0.00 | 6.609% | $7,440.41 | $7,440.41 | 6.625% | No | No | Employed | Not Employed | US Citizen | US Citizen | $28,976.69 | 1 | $12,952.32 | $6,690.00 | $1,079.36 | $557.50 | 40.801% | 40.801% | 40.801% | 03/12/2026 | 779 | No | No | [Borrower - |
Primary Income - K-1 (< 25%)]; Other - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; Paystubs - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.430% | $13,000.00 | 1.1 | DU | ApproveIneligible | Yes | No | 6.625% | 0 | 0 | 2 | 0 | 3 | 2 | No | XXXXX | XXXXX | 43.940% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 29.45 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127786 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.748% | $2,900.74 | $2,900.74 | 6.750% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $8,525.80 | 1 | $7,992.84 | $1,901.52 | $666.07 | $158.46 | 48.694% | 48.694% | 48.694% | 02/19/2026 | 766 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.020% | $11,926.20 | 1.1 | DU | ApproveEligible | No | No | 6.750% | 0 | 0 | 2 | 0 | 4 | 0 | 0.00 | No | XXXXX | XXXXX | 44.620% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 28.83 | No | No | $1,381.42 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127405 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.498% | $1,845.01 | $1,845.01 | 6.500% | No | No | Employed | US Citizen | $10,519.31 | 2 | $4,673.88 | $2,350.44 | $389.49 | $195.87 | 29.219% | 29.219% | 29.219% | 03/26/2026 | 770 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.430% | $7,000.00 | DU | ApproveEligible | N/A | No | 6.500% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 37.570% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.88 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126201 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.871% | $2,857.64 | $2,857.64 | 6.875% | No | No | Employed | Self-Employed | Employed | Not Employed | 8.13 | 0 | US Citizen | US Citizen | US Citizen | US Citizen | $51,972.19 | 1 | $8,826.12 | $2,238.96 | $735.51 | $186.58 | 35.677% | 35.677% | 35.677% | 04/20/2026 | 720 | 776 | 694 | 783 | 766 | 780 | 774 | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | Level 5-Stated/Verified as defined | Level 2-Stated/Not Verified | Level 3-Stated/Verified as defined | Level 1-Not Stated/Not Verified | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.300% | $200.00 | 4.2 | LP / LPA | Accept/Eligible | No | No | 6.875% | 2 | 3 | 2 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 28 | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 205.82 | No | No | $58,298.75 | $12,500.00 | No | No | No | No | 5 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126552 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,145.00 | $3,019.04 | 6.442% | $923.58 | $923.58 | 6.250% | No | No | Self-Employed | US Citizen | $5,380.23 | 1 | $8,781.24 | $3,395.04 | $731.77 | $282.92 | 36.239% | 36.239% | 36.239% | 03/18/2026 | 739 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,145.00 | 6.300% | $0.00 | 1.8 | DU | ApproveEligible | Yes | No | 6.250% | 1 | 1 | 0 | 3 | 0 | No | Not Stated | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 69.48 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125834 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.373% | $2,053.85 | $2,053.85 | 6.375% | No | No | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | $31,081.52 | 1 | $3,763.80 | $1,182.00 | $313.65 | $98.50 | 27.345% | 27.345% | 27.345% | 04/08/2026 | 782 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.370% | $1,708.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.375% | 1 | 1 | 0 | 0 | 1 | 0 | 0.00 | No | XXXXX | XXXXX | 35.130% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | Employment Authorization | 15.58 | No | No | $0.00 | $22,754.01 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123828 | XXXXX | N/A | No | Yes | $0.00 | 7.067% | $1,793.78 | $1,793.78 | 7.125% | No | No | Not Employed | Employed | US Citizen | US Citizen | $20,997.09 | 2 | $5,796.24 | $1,578.96 | $483.02 | $131.58 | 37.301% | 37.301% | 37.301% | 03/25/2026 | 737 | No | No | [Coborrower(s) - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.430% | $0.00 | LP / LPA | Accept/Eligible | No | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 26 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 494.87 | No | No | $0.00 | $33,488.65 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127244 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $11,218.00 | $11,998.24 | 6.260% | $4,912.53 | $4,912.53 | 6.125% | No | No | Self-Employed | US Citizen | $36,733.55 | 1 | $9,730.20 | $521.04 | $810.85 | $43.42 | 38.638% | 38.638% | 38.638% | 03/02/2026 | 754 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $11,218.00 | 6.020% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.125% | 0 | 1 | 0 | 1 | 1 | No | Not Stated | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 36.95 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128327 | XXXXX | N/A | No | Yes | $0.00 | 6.696% | $3,100.30 | $3,100.30 | 6.750% | No | No | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | $19,181.09 | 1 | $7,040.04 | $1,644.96 | $586.67 | $137.08 | 47.308% | 47.308% | 47.308% | 04/13/2026 | 684 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.370% | $0.00 | DU | Yes | ApproveEligible | N/A | No | 6.750% | 1 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | VISA | VISA | 43.93 | No | No | $0.00 | $15,735.29 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124029 | XXXXX | N/A | No | Yes | $0.00 | 7.748% | $888.35 | $888.35 | 7.750% | No | No | Employed | US Citizen | $5,328.97 | 1 | $2,674.56 | $861.00 | $222.88 | $71.75 | 38.970% | 38.970% | 38.970% | 03/29/2026 | 766 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.430% | $0.00 | 2.6 | DU | ApproveEligible | No | No | 7.750% | 1 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 12.300% | No | 5 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.2 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128328 | XXXXX | N/A | No | Yes | $0.00 | 6.325% | $2,787.45 | $2,787.45 | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $24,752.90 | 1 | $10,666.32 | $1,319.04 | $888.86 | $109.92 | 27.340% | 27.340% | 27.340% | 04/14/2026 | 800 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.370% | $0.00 | DU | Yes | ApproveEligible | N/A | No | 6.375% | 1 | 1 | 1 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 226.8 | No | No | $0.00 | $10,749.79 | No | No | No | No | 6 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122747 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $4,047.00 | $5,013.90 | 7.228% | $938.09 | $938.09 | 6.875% | No | No | Employed | US Citizen | $7,846.93 | 1 | $2,341.92 | $849.00 | $195.16 | $70.75 | 17.916% | 17.916% | 17.916% | 03/30/2026 | 812 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $4,047.00 | 6.220% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.875% | 2 | 1 | 0 | 3 | 1 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 11.95 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128309 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 7.494% | $1,739.65 | $1,739.65 | 7.500% | No | No | Employed | Not Employed | US Citizen | US Citizen | $22,205.60 | 1 | $6,589.32 | $1,487.04 | $549.11 | $123.92 | 46.566% | 46.566% | 46.566% | 04/15/2026 | 658 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.430% | $467.74 | 2.8 | DU | ApproveEligible | Yes | No | 7.500% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 40.810% | No | 14 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 24.38 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125450 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.875% | $2,312.39 | $2,312.39 | 6.875% | No | No | Self-Employed | US Citizen | $8,335.08 | 1 | $5,702.40 | $2,091.00 | $475.20 | $174.25 | 26.985% | 26.985% | 26.985% | 03/20/2026 | 807 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2024 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2026 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.300% | $8,800.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.875% | 0 | 1 | 0 | 3 | 1 | 15.00 | No | XXXXX | XXXXX | 79.910% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 88.9 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121051 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,790.00 | $3,129.40 | 6.803% | $2,948.79 | $2,948.79 | 6.750% | No | No | Non-Employment Income | US Citizen | $7,293.70 | 1 | $9,989.16 | $3,336.00 | $832.43 | $278.00 | 49.423% | 49.423% | 49.423% | 02/19/2026 | 784 | No | No | [Borrower - |
Primary Income - Note Receivable]; Deposit Receipt - 2026 [Borrower - | Primary Income - Note Receivable]; Note - 2024 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | Onslow Bay | $1,790.00 | 6.020% | $1,000.00 | 3.2 | DU | ApproveEligible | No | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 82.670% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 82.11 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128600 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $6,190.20 | $2,569.49 | 6.548% | $2,083.65 | $2,083.65 | 6.490% | No | No | Employed | Employed | US Citizen | US Citizen | $7,242.75 | 1 | $1,021.92 | $1,688.04 | $85.16 | $140.67 | 47.390% | 47.390% | 47.390% | 03/13/2026 | 768 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $6,190.20 | 6.370% | $10,074.00 | 2.6 | DU | ApproveEligible | No | No | 6.490% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 67.530% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 50.62 | No | No | $0.00 | $9,166.67 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125768 | XXXXX | N/A | No | No | $0.00 | $0.00 | 6.873% | $7,020.93 | $7,020.93 | 6.875% | No | No | Employed | US Citizen | $68,052.58 | 1 | $10,543.92 | $8,785.20 | $878.66 | $732.10 | 27.069% | 27.069% | 27.069% | 04/14/2026 | 731 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.370% | $10,000.00 | 1.4 | DU | ApproveIneligible | No | No | 6.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 454.3 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123064 | XXXXX | N/A | No | Yes | $0.00 | 7.373% | $2,016.77 | $2,016.77 | 7.375% | No | No | Employed | US Citizen | $4,210.82 | 1 | $4,540.80 | $999.24 | $378.40 | $83.27 | 36.838% | 36.838% | 36.838% | 02/18/2026 | 815 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.220% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.375% | 2 | 0 | 0 | 4 | 0 | 0.00 | No | XXXXX | XXXXX | 29.060% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 10.93 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120826 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $3,095.00 | $4,923.04 | 6.878% | $1,751.21 | $1,751.21 | 6.750% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $15,297.65 | 1 | $2,811.00 | $1,050.96 | $234.25 | $87.58 | 33.278% | 33.278% | 33.278% | 04/21/2026 | 688 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 |
[Borrower]; Transcripts (1040) - 2026 [Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; Transcripts (1040) - 2026 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $3,095.00 | 6.020% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.750% | 1 | 0 | 1 | 0 | 1 | 1 | No | Not Stated | XXXXX | XXXXX | 12.870% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.15 | No | No | $7,587.83 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123042 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 7.248% | $1,016.44 | $1,016.44 | 7.250% | No | No | Employed | US Citizen | $2,955.86 | 1 | $2,130.48 | $1,311.36 | $177.54 | $109.28 | 49.689% | 49.689% | 49.689% | 03/24/2026 | 749 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.220% | $0.00 | 1.9 | DU | ApproveEligible | No | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 36.480% | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 42.95 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127625 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.699% | $2,067.41 | $2,067.41 | 6.750% | No | No | Employed | US Citizen | $9,875.06 | 2 | $7,222.32 | $1,306.68 | $601.86 | $108.89 | 40.750% | 40.750% | 40.750% | 03/17/2026 | 785 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.260% | $500.00 | LP / LPA | Accept/Eligible | No | No | 6.750% | 0 | 0 | 0 | 4 | 0 | 0.00 | No | XXXXX | XXXXX | 38.230% | No | 5 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 19.26 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127357 | XXXXX | N/A | No | Yes | $1,840.00 | $2,412.16 | 6.902% | $1,005.33 | $1,005.33 | 6.750% | No | No | Employed | US Citizen | $7,380.69 | 1 | $4,609.92 | $4,970.28 | $384.16 | $414.19 | 44.645% | 44.645% | 44.645% | 03/24/2026 | 683 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,840.00 | 6.260% | $0.00 | 1.6 | LP / LPA | Accept/Eligible | Yes | No | 6.750% | 0 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 92.31 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126192 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,795.00 | $5,629.55 | 6.041% | $3,815.09 | $3,815.09 | 6.000% | No | No | Employed | Not Employed | US Citizen | US Citizen | $59,953.58 | 1 | $19,549.80 | $3,371.28 | $1,629.15 | $280.94 | 11.833% | 11.833% | 11.833% | 04/22/2026 | 801 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | Yes | Onslow Bay | $1,795.00 | 6.300% | $3,000.00 | 3.8 | LP / LPA | Accept/Eligible | No | No | 6.000% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 55.800% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 38.96 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126482 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,013.50 | $3,683.26 | 6.784% | $1,120.54 | $1,120.54 | 6.625% | No | No | Non-Employment Income | US Citizen | $9,491.36 | 1 | $2,324.52 | $1,179.00 | $193.71 | $98.25 | 25.558% | 25.558% | 25.558% | 04/10/2026 | 782 | No | No | [Borrower - |
Primary Income - IRA Distribution]; Other - 2026 [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | Onslow Bay | $2,013.50 | 6.300% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.625% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 431.93 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126017 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.333% | $1,497.29 | $1,497.29 | 6.375% | No | No | Not Employed | Employed | Non-Employment Income | 0 | US Citizen | US Citizen | US Citizen | $5,676.15 | 1 | $1,387.68 | $861.96 | $115.64 | $71.83 | 30.401% | 30.401% | 30.401% | 02/18/2026 | 791 | 806 | 821 | 801 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | No | No | [Coborrower(s) - |
Primary Income - Social Security]; 1099-SSA - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; 1099-SSA - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | Onslow Bay | 6.370% | $5,000.00 | 1.0 | DU | ApproveEligible | No | No | 6.375% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 73.270% | No | 20 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 54.36 | No | No | $3,541.31 | $4,274.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125827 | XXXXX | N/A | No | Yes | $0.00 | 6.576% | $1,493.16 | $1,493.16 | 6.625% | No | No | Employed | US Citizen | $4,868.25 | 1 | $7,001.04 | $2,736.00 | $583.42 | $228.00 | 37.592% | 37.592% | 37.592% | 04/16/2026 | 808 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.370% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.625% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 137.88 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124058 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,182.92 | $4,186.86 | 6.916% | $1,251.79 | $1,251.79 | 6.750% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $14,518.96 | 1 | $4,426.80 | $1,104.12 | $368.90 | $92.01 | 28.623% | 28.623% | 28.623% | 04/01/2026 | 813 | No | No | [Borrower - |
Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Primary Income - IRA Distribution]; 1099-R - 2025 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | Onslow Bay | $2,182.92 | 6.430% | $0.00 | DU | Yes | ApproveEligible | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 144.06 | No | No | $1,482.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126010 | XXXXX | N/A | No | Yes | $0.00 | 6.703% | $1,898.33 | $1,898.33 | 6.750% | No | No | Employed | Non-Permanent Resident Alien | $9,124.14 | 1 | $1,973.40 | $1,025.88 | $164.45 | $85.49 | 35.594% | 35.594% | 35.594% | 04/17/2026 | 769 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.370% | $0.00 | DU | Yes | ApproveEligible | N/A | No | 6.750% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 11.26 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126372 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,390.00 | $417.85 | 6.476% | $1,307.12 | $1,307.12 | 6.500% | No | No | Employed | Not Employed | Employed | Not Employed | 13.68 | 0 | US Citizen | US Citizen | US Citizen | US Citizen | $9,474.58 | 1 | $1,210.44 | $2,110.08 | $100.87 | $175.84 | 32.283% | 32.283% | 32.283% | 02/09/2026 | 751 | 814 | 815 | 804 | 816 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 5-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Verified as defined | Level 1-Not Stated/Not Verified | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,390.00 | 6.320% | $101,093.76 | 2.6 | DU | ApproveEligible | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 1 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 9.160% | No | 27 | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | 17.36 | No | No | $0.00 | $8,658.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000129281 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.625% | $7,998.28 | $7,998.28 | 6.625% | No | No | Self-Employed | US Citizen | $181,641.56 | 1 | $26,250.00 | $3,835.92 | $2,187.50 | $319.66 | 11.555% | 11.555% | 11.555% | 03/24/2026 | 795 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.220% | $0.00 | 1.5 | DU | ApproveEligible | Yes | No | 6.625% | 1 | 2 | 0 | 3 | 2 | No | XXXXX | XXXXX | 44.260% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 179.97 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126915 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.452% | $3,105.03 | $3,105.03 | 6.500% | No | No | Employed | Permanent Resident Alien | $7,307.46 | 2 | $8,187.48 | $2,105.88 | $682.29 | $175.49 | 43.968% | 43.968% | 43.968% | 04/16/2026 | 776 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.300% | $7,000.00 | DU | ApproveEligible | N/A | No | 6.500% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 33.990% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 11.86 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125987 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $3,892.20 | $4,860.11 | 6.970% | $784.38 | $784.38 | 6.625% | No | No | Employed | US Citizen | $6,063.16 | 1 | $865.56 | $1,495.80 | $72.13 | $124.65 | 42.694% | 42.694% | 42.694% | 04/15/2026 | 674 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $3,892.20 | 6.260% | $0.00 | 4.5 | LP / LPA | Accept/Eligible | No | No | 6.625% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 67.82 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124733 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 9.104% | $2,591.56 | $2,591.56 | 8.500% | No | No | Employed | Employed | US Citizen | US Citizen | $20,183.44 | 1 | $7,092.72 | $3,826.08 | $591.06 | $318.84 | 43.376% | 43.376% | 43.376% | 04/03/2026 | 688 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.430% | $7,200.00 | 1.6 | LP / LPA | Accept/Eligible | N/A | No | 8.500% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 38.210% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.6 | No | No | $0.00 | $7,730.67 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127229 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $3,445.00 | $4,478.44 | 6.971% | $1,063.70 | $1,063.70 | 6.750% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $3,013.30 | 1 | $2,378.40 | $932.16 | $198.20 | $77.68 | 49.784% | 49.784% | 49.784% | 02/27/2026 | 750 | No | No | [Borrower - |
Primary Income - Sole Proprietor]; Business License - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Non-Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $3,445.00 | 6.300% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.750% | 1 | 3 | 2 | 0 | 3 | 3 | No | Not Stated | XXXXX | XXXXX | No | 15 | 21 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 109.91 | Yes | No | $0.00 | $2,599.48 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125807 | XXXXX | N/A | No | Yes | $0.00 | 6.696% | $1,487.88 | $1,487.88 | 6.750% | No | No | Employed | US Citizen | $7,044.71 | 1 | $4,083.60 | $2,519.04 | $340.30 | $209.92 | 48.902% | 48.902% | 48.902% | 04/06/2026 | 790 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.300% | $5,735.00 | 1.4 | DU | ApproveEligible | No | No | 6.750% | 0 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 52.750% | No | 17 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 42.5 | No | No | $0.00 | $0.00 | No | No | No | No | 8 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119017 | XXXXX | N/A | No | Yes | $0.00 | 9.034% | $1,282.58 | $1,282.58 | 8.625% | No | No | Employed | Employed | US Citizen | US Citizen | $8,912.61 | 1 | $1,749.96 | $3,657.12 | $145.83 | $304.76 | 46.524% | 46.524% | 46.524% | 04/29/2026 | 686 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.020% | $0.00 | 1.7 | LP / LPA | Accept/Eligible | Yes | No | 8.625% | 2 | 2 | 1 | 0 | 4 | 4 | 0.00 | No | XXXXX | XXXXX | 36.870% | No | 28 | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.17 | No | No | $0.00 | $10,416.67 | No | No | No | No | 6 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125102 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,200.00 | $4,271.42 | 7.378% | $1,612.66 | $1,612.66 | 7.250% | No | No | Employed | Not Employed | US Citizen | Permanent Resident Alien | $6,009.97 | 1 | $1,403.40 | $1,998.00 | $116.95 | $166.50 | 44.229% | 44.229% | 44.229% | 04/10/2026 | 778 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,200.00 | 6.430% | $5,000.00 | 3.2 | LP / LPA | Accept/Eligible | No | No | 7.250% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 27.300% | No | 27 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 8.52 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126523 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.830% | $1,865.32 | $1,865.32 | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $24,473.05 | 1 | $2,721.84 | $1,521.00 | $226.82 | $126.75 | 23.097% | 23.097% | 23.097% | 03/09/2026 | 792 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.300% | $11,357.82 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.875% | 0 | 0 | 2 | 0 | 3 | 2 | No | XXXXX | XXXXX | 26.510% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 68.96 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127636 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $4,551.28 | $6,062.55 | 6.398% | $1,923.35 | $1,923.35 | 6.250% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $16,564.33 | 1 | $2,794.08 | $1,980.96 | $232.84 | $165.08 | 22.100% | 22.100% | 22.100% | 01/30/2026 | 809 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $4,551.28 | 6.100% | $0.00 | DU | Yes | ApproveEligible | N/A | No | 6.250% | 2 | 0 | 1 | 0 | 2 | 0 | No | Not Stated | XXXXX | XXXXX | 81.730% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 137.19 | No | No | $0.00 | $0.00 | No | No | No | No | 8 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126238 | XXXXX | N/A | No | Yes | $0.00 | 6.206% | $1,570.08 | $1,570.08 | 6.250% | No | No | Employed | US Citizen | $22,200.64 | 1 | $4,250.04 | $1,267.92 | $354.17 | $105.66 | 20.114% | 20.114% | 20.114% | 03/31/2026 | 795 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.300% | $0.00 | 2.6 | DU | ApproveEligible | Yes | No | 6.250% | 2 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 97.230% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 116.47 | No | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121481 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,067.20 | $4,531.40 | 6.667% | $998.19 | $998.19 | 6.375% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $15,698.72 | 1 | $6,212.76 | $299.04 | $517.73 | $24.92 | 32.780% | 32.780% | 32.780% | 03/20/2026 | 800 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Paystubs - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | Onslow Bay | $2,067.20 | 6.020% | $0.00 | 1.9 | DU | ApproveEligible | N/A | No | 6.375% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | 25 | Yes | Preliminary | Leasehold | Individual | Individual | Individual | Individual | No | Individual | No | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 1035.6 | No | No | $8,021.01 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123547 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,905.00 | $5,801.76 | 7.448% | $3,315.24 | $3,315.24 | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $26,551.33 | 1 | $5,295.60 | $2,043.00 | $441.30 | $170.25 | 19.144% | 19.144% | 19.144% | 03/26/2026 | 775 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,905.00 | 6.220% | $0.00 | 4.1 | DU | ApproveEligible | No | No | 7.375% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | 26 | 2 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 237.71 | No | No | $0.00 | $14,583.34 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124526 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,595.00 | $5,697.62 | 7.429% | $3,563.88 | $3,563.88 | 7.375% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $15,870.28 | 1 | $2,190.60 | $2,733.00 | $182.55 | $227.75 | 39.211% | 39.211% | 39.211% | 04/01/2026 | 786 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; W-2 - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Primary Income - Sole Proprietor]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,595.00 | 6.430% | $0.00 | 1.8 | DU | ApproveEligible | No | No | 7.375% | 2 | 0 | 2 | 0 | 3 | 2 | 12.00 | No | Not Stated | XXXXX | XXXXX | 65.890% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 80.94 | No | No | $0.00 | $13,777.86 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124913 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.830% | $2,364.94 | $2,364.94 | 6.875% | No | No | Self-Employed | US Citizen | $17,329.70 | 1 | $3,058.56 | $3,588.24 | $254.88 | $299.02 | 22.592% | 22.592% | 22.592% | 04/15/2026 | 778 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.370% | $9,000.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.875% | 2 | 2 | 0 | 3 | 2 | No | XXXXX | XXXXX | 1.110% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 175.35 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127282 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $4,212.13 | $5,340.63 | 6.583% | $1,268.02 | $1,268.02 | 6.375% | No | No | Employed | US Citizen | $4,465.21 | 1 | $4,227.60 | $1,104.96 | $352.30 | $92.08 | 49.877% | 49.877% | 49.877% | 02/20/2026 | 769 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $4,212.13 | 6.100% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | N/A | No | 6.375% | 2 | 2 | 0 | 2 | 3 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 133.61 | Yes | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125045 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,515.00 | $1,881.56 | 7.316% | $1,908.32 | $1,908.32 | 7.250% | No | No | Employed | Self-Employed | Permanent Resident Alien | Permanent Resident Alien | $14,807.79 | 1 | $10,830.72 | $1,221.24 | $902.56 | $101.77 | 45.999% | 45.999% | 45.999% | 04/01/2026 | 733 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | Onslow Bay | $1,515.00 | 6.430% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.250% | 0 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 8 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | No | 21.21 | No | No | $10,421.33 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000129916 | XXXXX | N/A | No | Yes | $0.00 | 7.074% | $700.67 | $700.67 | 7.125% | No | No | Employed | Permanent Resident Alien | $2,003.90 | 1 | $1,632.00 | $1,337.04 | $136.00 | $111.42 | 49.958% | 49.958% | 49.958% | 02/17/2026 | 782 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.300% | $2,600.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 7.125% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 67.180% | No | 6 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 60.69 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127012 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.457% | $1,880.40 | $1,880.40 | 6.500% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $23,856.01 | 1 | $5,694.84 | $2,376.24 | $474.57 | $198.02 | 26.378% | 26.378% | 26.378% | 04/21/2026 | 754 | No | No | [Borrower - |
Non-Primary Income - Social Security]; Award Letter / Continuance Letter -
2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Trust Income]; Other - 2026 [Borrower - | Primary Income - Trust Income]; Other - 2026 [Borrower - | Primary Income - Trust Income]; Other - 2026 [Borrower - | Primary Income - Trust Income]; Trust Agreement - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Account Transcripts - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Account Transcripts - 2024 [Coborrower]; Tax Return Extension - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Account Transcripts - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.300% | $2,200.00 | 1.0 | DU | ApproveEligible | N/A | No | 6.500% | 0 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 106.65 | No | No | $832.10 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000129162 | XXXXX | N/A | No | Yes | $0.00 | 6.988% | $2,552.18 | $2,552.18 | 6.990% | No | No | Employed | US Citizen | $8,763.47 | 1 | $2,712.00 | $852.96 | $226.00 | $71.08 | 42.554% | 42.554% | 42.554% | 02/24/2026 | 772 | No | No | [Borrower - |
Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2026 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.430% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 6.990% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 97.630% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 124.37 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125789 | XXXXX | N/A | No | Yes | $0.00 | 6.830% | $1,235.03 | $1,235.03 | 6.875% | No | No | Employed | US Citizen | $11,966.49 | 1 | $3,024.00 | $1,152.96 | $252.00 | $96.08 | 34.301% | 34.301% | 34.301% | 04/14/2026 | 773 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-T - 2025 [Borrower]; 4506-T - 2024 [Borrower]; 4506-T - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.370% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.875% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 35.080% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.19 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126518 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,745.00 | $3,072.04 | 6.468% | $1,310.13 | $1,310.13 | 6.375% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $6,849.50 | 1 | $4,144.68 | $0.00 | $345.39 | $0.00 | 35.383% | 35.383% | 35.383% | 04/09/2026 | 776 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Pension]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Pension]; D1C Income Verification Report - 2026 [Coborrower(s) - | Primary Income - Pension]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Pension]; 1099-R - 2025 [Coborrower(s) - | Primary Income - Pension]; 1099-R - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; D1C Income Verification Report - 2026 [Coborrower(s) - | Non-Primary Income - VA Service Related Disability]; D1C Income Verification Report - 2026 [Coborrower(s) - | Non-Primary Income - VA Service Related Disability]; Other - 2026 [Coborrower(s) - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,745.00 | 6.300% | $5,000.00 | 1.0 | DU | ApproveEligible | No | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | 27 | 1 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 264.64 | No | No | $8,497.09 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126183 | XXXXX | N/A | No | Yes | $1,495.00 | $2,642.60 | 6.842% | $640.31 | $640.31 | 6.625% | No | No | Employed | US Citizen | $3,400.90 | 1 | $1,472.52 | $351.00 | $122.71 | $29.25 | 48.510% | 48.510% | 48.510% | 03/24/2026 | 774 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,495.00 | 6.300% | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | 6.625% | 0 | 1 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 44.26 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128173 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $12,217.14 | $2,314.28 | 7.375% | $2,751.57 | $2,751.57 | 6.990% | No | No | Self-Employed | US Citizen | $5,887.57 | 1 | $3,812.04 | $5,067.24 | $317.67 | $422.27 | 45.859% | 45.859% | 45.859% | 02/23/2026 | 726 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $12,217.14 | 6.430% | $0.00 | 2.2 | DU | ApproveEligible | No | No | 6.990% | 0 | 2 | 0 | 2 | 1 | 3.50 | No | Not Stated | XXXXX | XXXXX | 0.760% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.5 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126799 | XXXXX | N/A | No | Yes | $0.00 | 6.950% | $4,284.55 | $4,284.55 | 7.000% | No | No | Employed | US Citizen | $14,244.56 | 1 | $8,872.80 | $1,799.76 | $739.40 | $149.98 | 38.932% | 38.932% | 38.932% | 04/10/2026 | 817 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.300% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.000% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 31.790% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.96 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127027 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,175.00 | $5,338.09 | 6.561% | $3,160.34 | $3,160.34 | 6.500% | No | No | Self-Employed | US Citizen | $38,647.81 | 1 | $4,349.40 | $1,074.96 | $362.45 | $89.58 | 25.846% | 25.846% | 25.846% | 02/06/2026 | 798 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2010 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | Onslow Bay | $2,175.00 | 6.300% | $0.00 | LP / LPA | Accept/Eligible | Yes | No | 6.500% | 1 | 1 | 0 | 3 | 2 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.21 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127479 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 7.332% | $979.03 | $979.03 | 7.375% | No | No | Employed | US Citizen | $15,617.43 | 4 | $7,398.60 | $3,162.12 | $616.55 | $263.51 | 37.530% | 37.530% | 37.530% | 03/03/2026 | 689 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.260% | $3,780.00 | DU | ApproveEligible | N/A | No | 7.375% | 2 | 0 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | 58.230% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.5 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123981 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 7.580% | $3,170.86 | $3,170.86 | 7.625% | No | No | Employed | US Citizen | $13,170.92 | 1 | $7,506.00 | $1,695.96 | $625.50 | $141.33 | 48.119% | 48.119% | 48.119% | 03/26/2026 | 692 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.430% | $11,199.80 | 1.1 | DU | ApproveEligible | No | No | 7.625% | 0 | 1 | 0 | 4 | 0 | 0.00 | No | XXXXX | XXXXX | 31.670% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.9 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126787 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.590% | $2,689.25 | $2,689.25 | 6.625% | No | No | Not Employed | Employed | US Citizen | US Citizen | $45,786.95 | 1 | $7,506.00 | $1,835.16 | $625.50 | $152.93 | 24.095% | 24.095% | 24.095% | 04/21/2026 | 756 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.300% | $11,199.80 | 1.0 | DU | ApproveEligible | N/A | No | 6.625% | 0 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 12.690% | No | 43 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.64 | No | No | $0.00 | $60,321.73 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123954 | XXXXX | N/A | No | Yes | $1,495.00 | $1,695.86 | 7.324% | $950.95 | $950.95 | 7.250% | No | No | Employed | US Citizen | $6,986.73 | 1 | $3,531.12 | $1,491.96 | $294.26 | $124.33 | 30.405% | 30.405% | 30.405% | 05/05/2026 | 729 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,495.00 | 6.260% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 10.38 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127207 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.836% | $1,502.72 | $1,502.72 | 6.875% | No | No | Employed | US Citizen | $5,860.42 | 1 | $4,955.52 | $2,154.48 | $412.96 | $179.54 | 41.167% | 41.167% | 41.167% | 04/23/2026 | 712 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.300% | $1,000.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.875% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 38.490% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.76 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126911 | XXXXX | N/A | No | Yes | $0.00 | 6.829% | $3,678.80 | $3,678.80 | 6.875% | No | No | Employed | Non-Permanent Resident Alien | $22,035.15 | 1 | $9,656.04 | $2,556.00 | $804.67 | $213.00 | 37.689% | 37.689% | 37.689% | 04/14/2026 | 727 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 | Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.300% | $0.00 | 2.2 | LP / LPA | Accept/Eligible | No | No | 6.875% | 1 | 0 | 0 | 1 | 0 | 0.00 | No | XXXXX | XXXXX | 53.090% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | 34.72 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126230 | XXXXX | N/A | No | Yes | $0.00 | 7.084% | $1,024.05 | $1,024.05 | 7.125% | No | No | Self-Employed | US Citizen | $15,552.12 | 1 | $3,706.68 | $1,342.92 | $308.89 | $111.91 | 23.938% | 23.938% | 23.938% | 04/21/2026 | 758 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Business License - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.300% | $0.00 | 2.6 | LP / LPA | Accept/Eligible | No | No | 7.125% | 0 | 1 | 0 | 0 | 1 | No | XXXXX | XXXXX | 33.890% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 12.17 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000129276 | XXXXX | N/A | No | No | $0.00 | 6.581% | $1,962.55 | $1,962.55 | 6.625% | No | No | Employed | Not Employed | US Citizen | US Citizen | $6,053.58 | 1 | $2,016.12 | $848.04 | $168.01 | $70.67 | 40.796% | 40.796% | 40.796% | 03/06/2026 | 799 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.260% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.625% | 3 | 0 | 1 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 32.7 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125887 | XXXXX | N/A | No | Yes | $0.00 | 6.954% | $2,022.52 | $2,022.52 | 7.000% | No | No | Employed | US Citizen | $7,917.78 | 1 | $4,867.44 | $2,053.20 | $405.62 | $171.10 | 44.703% | 44.703% | 44.703% | 04/14/2026 | 804 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2023 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.300% | $0.00 | 1.2 | LP / LPA | Accept/Eligible | Yes | No | 7.000% | 0 | 3 | 0 | 3 | 3 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 141.67 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126375 | XXXXX | N/A | No | Yes | $0.00 | 6.712% | $856.15 | $856.15 | 6.750% | No | No | Employed | US Citizen | $6,016.31 | 1 | $1,478.76 | $723.00 | $123.23 | $60.25 | 48.701% | 48.701% | 48.701% | 04/15/2026 | 774 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.300% | $0.00 | 3.1 | DU | ApproveEligible | Yes | No | 6.750% | 0 | 0 | 0 | 1 | 0 | 0.00 | No | XXXXX | XXXXX | 49.460% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 40.64 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126774 | XXXXX | N/A | No | Yes | $1,495.00 | $4,723.63 | 6.161% | $4,004.76 | $4,004.76 | 6.125% | No | No | Non-Employment Income | US Citizen | $1,880.46 | 1 | $5,345.52 | $3,273.96 | $445.46 | $272.83 | 36.630% | 36.630% | 36.630% | 04/21/2026 | 795 | No | No | [Borrower - |
Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,495.00 | 6.300% | $0.00 | 1.5 | DU | ApproveEligible | Yes | No | 6.125% | 0 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 116.18 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127904 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $0.00 | $66.95 | 7.089% | $1,509.13 | $1,509.13 | 7.125% | No | No | Employed | US Citizen | $9,415.13 | 1 | $3,062.52 | $863.04 | $255.21 | $71.92 | 36.821% | 36.821% | 36.821% | 04/14/2026 | 727 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.320% | $57,000.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.125% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 4.560% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.14 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000130488 | XXXXX | N/A | No | Yes | $0.00 | 7.084% | $1,228.86 | $1,228.86 | 7.125% | No | No | Employed | Non-Permanent Resident Alien | $3,559.13 | 1 | $3,282.96 | $1,782.96 | $273.58 | $148.58 | 45.382% | 45.382% | 45.382% | 02/09/2026 | 752 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.370% | $0.00 | 1.3 | DU | ApproveEligible | Yes | No | 7.125% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 32.230% | No | 10 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 11.86 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125849 | XXXXX | N/A | No | Yes | $0.00 | 6.469% | $2,686.29 | $2,686.29 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $21,919.48 | 3 | $8,188.80 | $4,193.04 | $682.40 | $349.42 | 30.364% | 30.364% | 30.364% | 05/13/2026 | 772 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.370% | $0.00 | DU | ApproveEligible | No | No | 6.500% | 2 | 2 | 2 | 0 | 2 | 1 | 0.00 | No | XXXXX | XXXXX | No | 27 | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 46.32 | No | No | $0.00 | $16,560.57 | No | No | No | No | 8 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125819 | XXXXX | Higher Priced QM (APOR) | Yes | Yes | $2,199.00 | $4,654.44 | 7.959% | $2,842.27 | $2,842.27 | 7.875% | No | No | Employed | Employed | US Citizen | US Citizen | $22,006.94 | 1 | $9,934.80 | $1,638.00 | $827.90 | $136.50 | 49.086% | 49.086% | 49.086% | 04/08/2026 | 661 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,199.00 | 6.370% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 7.875% | 0 | 1 | 0 | 0 | 4 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 124.82 | No | No | $0.00 | $18,723.47 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127837 | XXXXX | N/A | No | Yes | $0.00 | 7.332% | $856.44 | $856.44 | 7.375% | No | No | Employed | US Citizen | $15,644.68 | 1 | $2,950.32 | $1,109.04 | $245.86 | $92.42 | 25.807% | 25.807% | 25.807% | 04/13/2026 | 806 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.260% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 7.375% | 0 | 1 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 37.630% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 11.51 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000130847 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,645.00 | $203.99 | 7.364% | $1,467.36 | $1,467.36 | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $13,768.05 | 1 | $2,634.96 | $2,651.28 | $219.58 | $220.94 | 30.589% | 30.589% | 30.589% | 03/24/2026 | 772 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,645.00 | 6.320% | $9,000.00 | 1.3 | DU | ApproveEligible | No | No | 7.250% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 18.720% | No | 168 | 12 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.29 | No | No | $0.00 | $11,500.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127392 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.593% | $3,534.52 | $3,534.52 | 6.625% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $10,575.81 | 1 | $8,813.52 | $2,192.04 | $734.46 | $182.67 | 30.979% | 30.979% | 30.979% | 03/25/2026 | 801 | No | No | [Coborrower(s) - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Pension]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.260% | $1,000.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.625% | 0 | 2 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 166.89 | Yes | No | $15,322.51 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126441 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $89.76 | $2,293.08 | 6.519% | $2,705.25 | $2,705.25 | 6.500% | No | No | Employed | US Citizen | $26,208.91 | 1 | $5,797.68 | $2,229.96 | $483.14 | $185.83 | 30.763% | 30.763% | 30.763% | 04/21/2026 | 791 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $89.76 | 6.300% | $1,500.00 | 3.9 | DU | ApproveEligible | No | No | 6.500% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 41.190% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 32.16 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125908 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.096% | $1,774.22 | $1,774.22 | 6.125% | No | No | Employed | Employed | US Citizen | Permanent Resident Alien | $15,450.15 | 1 | $3,852.84 | $3,442.08 | $321.07 | $286.84 | 48.745% | 48.745% | 48.745% | 04/13/2026 | 734 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.410% | $8,440.00 | 2.6 | LP / LPA | Accept/Eligible | No | No | 6.125% | 1 | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 41.030% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 68.85 | No | No | $0.00 | $17,042.57 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125762 | XXXXX | N/A | No | Yes | $0.00 | 6.719% | $3,891.59 | $3,891.59 | 6.750% | No | No | Employed | Not Employed | US Citizen | US Citizen | $31,472.94 | 1 | $9,931.92 | $6,496.20 | $827.66 | $541.35 | 21.319% | 21.319% | 21.319% | 04/14/2026 | 792 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.370% | $0.00 | 1.4 | DU | ApproveEligible | Yes | No | 6.750% | 3 | 0 | 2 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 39 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 463.64 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125965 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,295.00 | $4,744.86 | 7.159% | $4,400.98 | $4,400.98 | 7.000% | No | No | Employed | Employed | US Citizen | US Citizen | $20,738.18 | 1 | $2,788.20 | $3,031.92 | $232.35 | $252.66 | 39.434% | 39.434% | 39.434% | 04/13/2026 | 775 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | Onslow Bay | $1,295.00 | 6.370% | $2,500.00 | 1.6 | DU | ApproveEligible | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 12.230% | No | 13 | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 2.41 | No | No | $0.00 | $9,240.73 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125820 | XXXXX | N/A | No | Yes | $0.00 | 6.593% | $1,106.94 | $1,106.94 | 6.625% | No | No | Employed | US Citizen | $5,107.47 | 1 | $3,214.92 | $1,385.04 | $267.91 | $115.42 | 42.246% | 42.246% | 42.246% | 04/16/2026 | 770 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.370% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.625% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 17.710% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 28.68 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126690 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.593% | $804.23 | $804.23 | 6.625% | No | No | Employed | US Citizen | $6,592.07 | 1 | $2,388.24 | $649.56 | $199.02 | $54.13 | 17.919% | 17.919% | 17.919% | 04/16/2026 | 806 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.300% | $4,512.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.625% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 55.030% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.32 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126002 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.714% | $3,372.71 | $3,372.71 | 6.750% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $48,574.25 | 1 | $9,085.56 | $2,622.96 | $757.13 | $218.58 | 32.949% | 32.949% | 32.949% | 04/16/2026 | 748 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Account Transcripts - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | Yes | Onslow Bay | 6.300% | $8,500.00 | 3.6 | DU | ApproveEligible | Yes | No | 6.750% | 1 | 1 | 1 | 0 | 2 | 1 | No | XXXXX | XXXXX | 50.830% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 45.56 | No | No | $43,807.83 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126878 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $5,214.86 | $9,005.95 | 7.250% | $3,664.76 | $3,664.76 | 7.125% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $19,660.73 | 1 | $9,734.40 | $4,944.96 | $811.20 | $412.08 | 28.415% | 28.415% | 28.415% | 03/10/2026 | 812 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $5,214.86 | 6.300% | $0.00 | 2.1 | DU | ApproveEligible | Yes | No | 7.125% | 2 | 0 | 1 | 0 | 4 | 1 | No | Not Stated | XXXXX | XXXXX | 26.430% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.53 | Yes | No | $0.00 | $2,500.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000130849 | XXXXX | N/A | No | Yes | $0.00 | 6.096% | $1,403.58 | $1,403.58 | 6.125% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $9,502.65 | 2 | $2,004.24 | $2,063.04 | $167.02 | $171.92 | 33.515% | 33.515% | 33.515% | 04/15/2026 | 791 | No | No | [Borrower - |
Non-Primary Income - K-1 (< 25%)]; Paystubs - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; W-2 - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; W-2 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 |
[Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; Tax Return Extension - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.300% | $6,600.00 | DU | ApproveEligible | N/A | No | 6.125% | 2 | 0 | 2 | 0 | 0 | 2 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 207.87 | No | No | ($9.26) | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127124 | XXXXX | N/A | No | Yes | $1,595.00 | $3,439.71 | 6.809% | $2,432.24 | $2,432.24 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $13,604.34 | 3 | $13,096.92 | $15,153.00 | $1,091.41 | $1,262.75 | 43.917% | 43.917% | 43.917% | 04/22/2026 | 741 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2024 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,595.00 | 6.320% | $0.00 | DU | ApproveEligible | No | No | 6.750% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | 28 | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 58.2 | No | No | $0.00 | $14,575.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126563 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,495.00 | $3,362.42 | 6.432% | $2,292.72 | $2,292.72 | 6.375% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $7,071.12 | 1 | $3,630.72 | $798.00 | $302.56 | $66.50 | 40.641% | 40.641% | 40.641% | 04/15/2026 | 804 | Yes | No | [Borrower - |
Primary Income - Social Security]; Award Letter / Continuance Letter -
2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | Onslow Bay | $1,495.00 | 6.300% | $0.00 | DU | Yes | ApproveEligible | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 360 | Not Stated | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 1246.5 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126788 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,285.00 | $3,807.91 | 6.510% | $800.43 | $800.43 | 6.250% | No | No | Employed | Employed | US Citizen | US Citizen | $8,039.72 | 1 | $1,611.12 | $1,494.00 | $134.26 | $124.50 | 44.069% | 44.069% | 44.069% | 04/22/2026 | 723 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,285.00 | 6.300% | $1,500.00 | 1.8 | LP / LPA | Accept/Eligible | No | No | 6.250% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 74.650% | No | 27 | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 37.87 | No | No | $0.00 | $6,066.67 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125780 | XXXXX | N/A | No | Yes | $0.00 | 6.973% | $4,003.79 | $4,003.79 | 7.000% | No | No | Employed | Not Employed | US Citizen | US Citizen | $7,593.04 | 1 | $3,467.04 | $1,223.64 | $288.92 | $101.97 | 48.121% | 48.121% | 48.121% | 03/23/2026 | 720 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | Onslow Bay | 6.370% | $0.00 | 1.9 | LP / LPA | Accept/Eligible | No | No | 7.000% | 1 | 0 | 1 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | 91.750% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 116.79 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125999 | XXXXX | N/A | No | Yes | $1,595.00 | $4,257.76 | 6.945% | $2,667.13 | $2,667.13 | 6.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $21,408.52 | 1 | $3,573.84 | $1,446.96 | $297.82 | $120.58 | 41.262% | 41.262% | 41.262% | 04/03/2026 | 729 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Business License - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Business License - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2024 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 1040 - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | Onslow Bay | $1,595.00 | 6.370% | $0.00 | 1.7 | DU | ApproveEligible | No | No | 6.875% | 0 | 0 | 2 | 0 | 3 | 0 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 100.74 | No | No | $12,866.88 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128226 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,490.00 | $3,516.89 | 6.814% | $2,360.90 | $2,360.90 | 6.750% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $24,100.56 | 1 | $2,649.72 | $1,103.04 | $220.81 | $91.92 | 41.145% | 41.145% | 41.145% | 04/23/2026 | 775 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search /
Directory Assistance - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2006 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2006 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,490.00 | 6.320% | $1,000.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.750% | 2 | 2 | 1 | 0 | 2 | 0 | No | Not Stated | XXXXX | XXXXX | 38.510% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.83 | No | No | $17,613.25 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124736 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 8.840% | $2,824.23 | $2,824.23 | 8.500% | No | No | Employed | Employed | US Citizen | US Citizen | $19,437.43 | 1 | $7,729.56 | $4,000.92 | $644.13 | $333.41 | 45.469% | 45.469% | 45.469% | 04/03/2026 | 688 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.430% | $7,142.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 8.500% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 36.850% | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.92 | No | No | $0.00 | $7,730.67 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126285 | XXXXX | N/A | No | Yes | $3,572.00 | $4,649.08 | 6.709% | $1,200.93 | $1,200.93 | 6.500% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $2,388.68 | 1 | $2,168.76 | $441.96 | $180.73 | $36.83 | 46.881% | 46.881% | 46.881% | 03/02/2026 | 772 | No | No | [Borrower - |
Primary Income - Social Security]; Award Letter / Continuance Letter -
2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | Onslow Bay | $3,572.00 | 6.300% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.500% | 0 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 26 | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 402.01 | No | No | $0.00 | $1,515.33 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128083 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,750.50 | $3,098.86 | 6.919% | $972.90 | $972.90 | 6.750% | No | No | Employed | US Citizen | $8,151.95 | 1 | $1,059.96 | $2,296.68 | $88.33 | $191.39 | 31.777% | 31.777% | 31.777% | 04/29/2026 | 771 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,750.50 | 6.260% | $0.00 | LP / LPA | Yes | Accept/Eligible | N/A | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 51.210% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.33 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125994 | XXXXX | N/A | No | Yes | $1,595.00 | $4,257.76 | 6.945% | $2,667.13 | $2,667.13 | 6.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $21,625.37 | 1 | $3,503.76 | $1,446.96 | $291.98 | $120.58 | 40.667% | 40.667% | 40.667% | 04/16/2026 | 729 | No | No | [Borrower - |
Non-Primary Income - S-Corp (>= 25%)]; Business License - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2019 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Business License - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2019 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | Onslow Bay | $1,595.00 | 6.370% | $0.00 | 1.7 | DU | ApproveEligible | No | No | 6.875% | 0 | 0 | 2 | 0 | 3 | 0 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 82.51 | No | No | $12,866.88 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125580 | XXXXX | N/A | No | Yes | $0.00 | 6.719% | $1,215.63 | $1,215.63 | 6.750% | No | No | Employed | US Citizen | $8,165.62 | 1 | $3,135.96 | $3,372.60 | $261.33 | $281.05 | 34.043% | 34.043% | 34.043% | 04/14/2026 | 665 | No | No | [Borrower - |
Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.370% | $4,500.00 | 1.3 | DU | ApproveEligible | Yes | No | 6.750% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 225.97 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128695 | XXXXX | N/A | No | Yes | $2,988.91 | $4,050.95 | 7.150% | $886.20 | $886.20 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $12,913.77 | 1 | $358.92 | $1,215.96 | $29.91 | $101.33 | 28.431% | 28.431% | 28.431% | 03/16/2026 | 776 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,988.91 | 6.320% | $0.00 | 1.5 | DU | ApproveEligible | Yes | No | 6.875% | 1 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | 27 | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 134.79 | No | No | $0.00 | $6,722.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000131145 | XXXXX | N/A | No | Yes | $0.00 | 6.351% | $2,164.83 | $2,164.83 | 6.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $9,509.72 | 1 | $9,790.08 | $971.04 | $815.84 | $80.92 | 30.768% | 30.768% | 30.768% | 04/29/2026 | 783 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.260% | $0.00 | DU | Yes | ApproveEligible | N/A | No | 6.375% | 1 | 0 | 1 | 0 | 2 | 0 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.41 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126277 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,295.00 | $2,388.45 | 6.075% | $1,259.00 | $1,259.00 | 6.000% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $7,306.35 | 1 | $4,602.00 | $1,047.00 | $383.50 | $87.25 | 38.299% | 38.299% | 38.299% | 04/15/2026 | 784 | Yes | No | [Borrower - |
Primary Income - Social Security]; Award Letter / Continuance Letter -
2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | Onslow Bay | $1,295.00 | 6.300% | $3,000.00 | 1.2 | LP / LPA | Accept/Eligible | Yes | No | 6.000% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 240 | Not Stated | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 1634.3 | Yes | No | $1,519.21 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127607 | XXXXX | N/A | No | Yes | $0.00 | 6.572% | $5,642.74 | $5,642.74 | 6.625% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $12,554.32 | 1 | $4,346.04 | $5,043.84 | $362.17 | $420.32 | 47.693% | 47.693% | 47.693% | 04/10/2026 | 796 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - C-Corp]; Business License - 2026 [Borrower - | Primary Income - C-Corp]; Other - 2026 [Borrower - | Primary Income - C-Corp]; Other - 2026 [Borrower - | Primary Income - C-Corp]; P&L Statement - 2026 [Borrower - | Primary Income - C-Corp]; Paystubs - 2026 [Borrower - | Primary Income - C-Corp]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - C-Corp]; 1120 - 2025 [Borrower - | Primary Income - C-Corp]; W-2 - 2025 [Borrower - | Primary Income - C-Corp]; Other - 2019 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | Onslow Bay | 6.260% | $0.00 | 4.2 | DU | ApproveEligible | No | No | 6.625% | 1 | 0 | 1 | 0 | 1 | 0 | 0.00 | No | XXXXX | XXXXX | 52.830% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 49.6 | No | No | $1,909.21 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000129326 | XXXXX | N/A | No | Yes | $0.00 | 7.462% | $4,960.93 | $4,960.93 | 7.500% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $27,580.07 | 4 | $11,825.04 | $7,108.56 | $985.42 | $592.38 | 38.809% | 38.809% | 38.809% | 04/17/2026 | 705 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.320% | $18,900.00 | DU | ApproveEligible | N/A | No | 7.500% | 2 | 1 | 1 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | 39.140% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.98 | No | No | $34,858.75 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126171 | XXXXX | N/A | No | Yes | $0.00 | 6.351% | $1,964.93 | $1,964.93 | 6.375% | No | No | Employed | US Citizen | $10,444.46 | 1 | $4,524.24 | $1,455.96 | $377.02 | $121.33 | 45.294% | 45.294% | 45.294% | 04/20/2026 | 760 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.300% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.375% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 39.8 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126003 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,905.00 | $4,617.22 | 6.407% | $4,990.96 | $4,990.96 | 6.375% | No | No | Not Employed | Employed | Permanent Resident Alien | US Citizen | $39,023.61 | 1 | $15,401.88 | $7,434.96 | $1,283.49 | $619.58 | 21.864% | 21.864% | 21.864% | 03/30/2026 | 715 | No | No | [Coborrower(s) - |
Primary Income - K-1 (< 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; K-1 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,905.00 | 6.260% | $0.00 | 1.5 | LP / LPA | Accept/Eligible | N/A | No | 6.375% | 0 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | Not Stated | XXXXX | XXXXX | 26.690% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 44.7 | No | No | $49,943.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127008 | XXXXX | N/A | No | Yes | $0.00 | 6.604% | $2,329.45 | $2,329.45 | 6.625% | No | No | Employed | Not Employed | US Citizen | US Citizen | $14,237.14 | 1 | $7,253.52 | $908.16 | $604.46 | $75.68 | 44.612% | 44.612% | 44.612% | 04/23/2026 | 819 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.320% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.625% | 2 | 0 | 2 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 9 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 201.2 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128534 | XXXXX | N/A | No | Yes | $5,550.00 | $8,689.93 | 8.418% | $2,060.43 | $2,060.43 | 8.125% | No | No | Non-Employment Income | US Citizen | $7,450.15 | 1 | $5,523.24 | $1,098.96 | $460.27 | $91.58 | 44.323% | 44.323% | 44.323% | 04/09/2026 | 665 | No | No | [Borrower - |
Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - VA Service Related Disability]; Other - 2026 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Disability]; Account Statements - 2026 [Borrower - | Non-Primary Income - Disability]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $5,550.00 | 6.320% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 8.125% | 0 | 1 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000129397 | XXXXX | N/A | No | Yes | $1,495.00 | $3,693.48 | 6.807% | $2,834.37 | $2,834.37 | 6.750% | No | No | Employed | US Citizen | $14,611.86 | 1 | $3,837.84 | $1,527.36 | $319.82 | $127.28 | 46.711% | 46.711% | 46.711% | 04/06/2026 | 760 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,495.00 | 6.320% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 101.04 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127121 | XXXXX | N/A | No | Yes | $2,352.50 | $2,840.42 | 7.087% | $755.47 | $755.47 | 6.875% | No | No | Employed | US Citizen | $3,385.64 | 1 | $988.80 | $576.00 | $82.40 | $48.00 | 48.268% | 48.268% | 48.268% | 04/20/2026 | 797 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,352.50 | 6.300% | $0.00 | 2.3 | DU | ApproveEligible | No | No | 6.875% | 2 | 2 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 101.29 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127915 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.602% | $2,858.51 | $2,858.51 | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $18,291.65 | 1 | $7,978.44 | $1,985.64 | $664.87 | $165.47 | 36.613% | 36.613% | 36.613% | 04/08/2026 | 789 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.260% | $11,864.20 | 1.0 | DU | ApproveEligible | No | No | 6.625% | 1 | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 40.260% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 22.97 | No | No | $0.00 | $12,322.86 | No | No | No | No | 5 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125575 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $975.00 | $2,918.20 | 6.411% | $2,495.48 | $2,495.48 | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $23,342.44 | 1 | $6,790.92 | $1,255.92 | $565.91 | $104.66 | 28.385% | 28.385% | 28.385% | 04/13/2026 | 757 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | Onslow Bay | $975.00 | 6.370% | $0.00 | 2.4 | DU | ApproveEligible | Yes | No | 6.375% | 2 | 2 | 2 | 0 | 2 | 2 | 0.00 | No | Not Stated | XXXXX | XXXXX | 58.970% | No | 27 | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 84.21 | No | No | $0.00 | $19,575.64 | No | No | No | No | 5 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000131087 | XXXXX | N/A | No | Yes | $0.00 | 6.973% | $665.30 | $665.30 | 7.000% | No | No | Employed | US Citizen | $5,074.24 | 1 | $1,107.96 | $1,125.96 | $92.33 | $93.83 | 44.845% | 44.845% | 44.845% | 04/07/2026 | 784 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.320% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 7.000% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 36.250% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.29 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127013 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $3,370.40 | $4,513.28 | 7.409% | $2,122.21 | $2,122.21 | 7.125% | No | No | Employed | US Citizen | $3,930.48 | 1 | $3,293.40 | $1,482.36 | $274.45 | $123.53 | 44.143% | 44.143% | 44.143% | 04/12/2026 | 789 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Year End Summary - 2025 [Borrower - | Primary Income - Wages]; Year End Summary - 2024 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $3,370.40 | 6.300% | $0.00 | 2.6 | DU | ApproveEligible | N/A | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 22.700% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.33 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125686 | XXXXX | N/A | No | Yes | $0.00 | 6.476% | $3,432.13 | $3,432.13 | 6.500% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $33,983.58 | 1 | $18,208.08 | $2,577.00 | $1,517.34 | $214.75 | 26.423% | 26.423% | 26.423% | 03/31/2026 | 774 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Other - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Paystubs - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; W-2 - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Other - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Paystubs - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; W-2 - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | Onslow Bay | 6.370% | $0.00 | 5.0 | DU | ApproveEligible | Yes | No | 6.500% | 2 | 2 | 2 | 0 | 3 | 2 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 18.46 | No | No | $20,787.70 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000131662 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,050.00 | $2,374.82 | 6.288% | $2,401.30 | $2,401.30 | 6.250% | No | No | Employed | US Citizen | $6,144.22 | 1 | $5,979.96 | $1,345.80 | $498.33 | $112.15 | 46.203% | 46.203% | 46.203% | 04/15/2026 | 795 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; Other - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; Year End Summary - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,050.00 | 6.300% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.250% | 2 | 1 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 135.9 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125572 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $5,093.80 | $7,601.70 | 6.473% | $3,556.06 | $3,556.06 | 6.375% | No | No | Self-Employed | US Citizen | $6,683.63 | 1 | $3,428.64 | $3,303.00 | $285.72 | $275.25 | 39.562% | 39.562% | 39.562% | 04/13/2026 | 792 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | Onslow Bay | $5,093.80 | 6.370% | $0.00 | 1.6 | LP / LPA | Accept/Eligible | Yes | No | 6.375% | 3 | 2 | 0 | 3 | 2 | No | Not Stated | XXXXX | XXXXX | 67.180% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 74.84 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126314 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $4,795.00 | $221.56 | 6.110% | $2,126.64 | $2,126.64 | 6.125% | No | No | Employed | Not Employed | US Citizen | US Citizen | $14,268.93 | 1 | $3,460.20 | $1,398.96 | $288.35 | $116.58 | 32.147% | 32.147% | 32.147% | 04/18/2026 | 781 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $4,795.00 | 6.300% | $15,000.00 | LP / LPA | Yes | Accept/Eligible | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 87.400% | No | 22 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 103.06 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000129897 | XXXXX | N/A | No | Yes | $0.00 | 6.853% | $2,586.66 | $2,586.66 | 6.875% | No | No | Employed | US Citizen | $4,548.48 | 3 | $3,885.36 | $6,635.64 | $323.78 | $552.97 | 48.790% | 48.790% | 48.790% | 04/21/2026 | 698 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Unemployment]; Other - 2026 [Borrower - | Non-Primary Income - Unemployment]; Other - 2026 [Borrower - | Non-Primary Income - Unemployment]; Other - 2026 [Borrower - | Non-Primary Income - Unemployment]; 1099 - 2025 [Borrower - | Non-Primary Income - Unemployment]; 1099 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.410% | $0.00 | LP / LPA | Accept/Eligible | No | No | 6.875% | 2 | 1 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | 34.150% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.79 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000129926 | XXXXX | N/A | No | Yes | $0.00 | 7.092% | $768.04 | $768.04 | 7.125% | No | No | Self-Employed | US Citizen | $5,011.57 | 1 | $2,612.40 | $0.00 | $217.70 | $0.00 | 46.033% | 46.033% | 46.033% | 04/23/2026 | 708 | No | No | [Borrower - |
Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 1 | 0 | 0 | No | Onslow Bay | 6.410% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | N/A | No | 7.125% | 0 | 2 | 0 | 2 | 0 | No | XXXXX | XXXXX | 32.820% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 30.59 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000129836 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,895.00 | $4,635.24 | 6.918% | $3,983.62 | $3,983.62 | 6.875% | No | No | Employed | Not Employed | US Citizen | US Citizen | $13,868.06 | 1 | $2,547.48 | $3,803.40 | $212.29 | $316.95 | 43.840% | 43.840% | 43.840% | 04/16/2026 | 804 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,895.00 | 6.320% | $0.00 | 1.3 | DU | ApproveEligible | No | No | 6.875% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 30.440% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 14.71 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000130122 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,590.00 | $2,755.64 | 6.457% | $1,618.94 | $1,618.94 | 6.375% | No | No | Employed | Not Employed | US Citizen | US Citizen | $5,933.91 | 1 | $3,120.00 | $3,618.00 | $260.00 | $301.50 | 33.547% | 33.547% | 33.547% | 05/04/2026 | 801 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,590.00 | 6.410% | $5,000.00 | 1.7 | DU | ApproveEligible | Yes | No | 6.375% | 2 | 0 | 0 | 0 | 3 | 3 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 241.2 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000129896 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $4,381.20 | $5,884.35 | 6.645% | $2,149.03 | $2,149.03 | 6.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $17,774.22 | 1 | $4,810.56 | $3,896.52 | $400.88 | $324.71 | 40.270% | 40.270% | 40.270% | 04/24/2026 | 756 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Business License - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | Onslow Bay | $4,381.20 | 6.410% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.500% | 2 | 0 | 2 | 0 | 3 | 2 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 519.01 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127254 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,865.00 | $5,730.87 | 7.057% | $1,813.12 | $1,813.12 | 6.875% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $6,828.89 | 1 | $1,746.36 | $1,700.04 | $145.53 | $141.67 | 39.562% | 39.562% | 39.562% | 04/23/2026 | 769 | No | No | [Borrower - |
Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,865.00 | 6.300% | $3,800.00 | 2.0 | DU | ApproveEligible | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 41.450% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 32.04 | No | No | $8,285.32 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126440 | XXXXX | N/A | No | Yes | $5,196.17 | $7,291.69 | 7.332% | $4,729.08 | $4,729.08 | 7.250% | No | No | Employed | US Citizen | $7,224.81 | 1 | $3,578.04 | $3,501.24 | $298.17 | $291.77 | 49.965% | 49.965% | 49.965% | 04/09/2026 | 763 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $5,196.17 | 6.300% | $0.00 | 2.2 | DU | ApproveEligible | No | No | 7.250% | 0 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 109.43 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126520 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $993.88 | $1,743.04 | 7.017% | $2,900.72 | $2,900.72 | 7.000% | No | No | Employed | Employed | US Citizen | US Citizen | $31,986.39 | 1 | $4,282.68 | $2,384.04 | $356.89 | $198.67 | 25.291% | 25.291% | 25.291% | 04/15/2026 | 780 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - K-1 (< 25%)]; Other - 2026 [Coborrower(s) - | Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2025 [Coborrower(s) - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; K-1 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Account Transcripts - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - No Results Returned - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $993.88 | 6.300% | $0.00 | 4.0 | DU | ApproveEligible | Yes | No | 7.000% | 2 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | Not Stated | XXXXX | XXXXX | 47.460% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 40.88 | No | No | $34,632.67 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128324 | XXXXX | N/A | No | Yes | $0.00 | $6,986.37 | 7.008% | $2,759.10 | $2,759.10 | 6.875% | No | No | Employed | US Citizen | $11,216.54 | 2 | $6,363.00 | $2,832.12 | $530.25 | $236.01 | 24.452% | 24.452% | 24.452% | 04/28/2026 | 806 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.260% | $0.00 | DU | ApproveEligible | N/A | No | 6.875% | 2 | 2 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 45.260% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 28.21 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124612 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 7.352% | $3,847.46 | $3,847.46 | 7.375% | No | No | Employed | Permanent Resident Alien | $5,307.01 | 1 | $8,521.44 | $924.96 | $710.12 | $77.08 | 47.018% | 47.018% | 47.018% | 04/06/2026 | 787 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.420% | $0.00 | 3.9 | DU | ApproveEligible | No | No | 7.375% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 14.13 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127578 | XXXXX | Safe Harbor QM (APOR) | Yes | No | $1,145.00 | $4,037.05 | 6.895% | $4,992.66 | $4,992.66 | 6.875% | No | No | Employed | Not Employed | US Citizen | US Citizen | $33,829.80 | 1 | $6,587.28 | $1,449.24 | $548.94 | $120.77 | 22.989% | 22.989% | 22.989% | 03/17/2026 | 791 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,145.00 | 6.260% | $0.00 | 4.6 | DU | ApproveEligible | No | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 33.540% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 21.88 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128979 | XXXXX | N/A | No | Yes | $0.00 | 6.478% | $1,422.15 | $1,422.15 | 6.500% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $48,865.86 | 1 | $2,781.96 | $636.96 | $231.83 | $53.08 | 13.101% | 13.101% | 13.101% | 05/05/2026 | 786 | No | No | [Coborrower(s) - |
Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.320% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.500% | 0 | 0 | 1 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 45.580% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 29.75 | No | No | $55,998.42 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127051 | XXXXX | N/A | No | Yes | $0.00 | 6.355% | $1,842.91 | $1,842.91 | 6.375% | No | No | Employed | US Citizen | $9,797.62 | 2 | $6,014.04 | $3,852.96 | $501.17 | $321.08 | 17.159% | 17.159% | 17.159% | 04/23/2026 | 804 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.300% | $0.00 | DU | ApproveEligible | No | No | 6.375% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.93 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127301 | XXXXX | N/A | No | Yes | $0.00 | 7.350% | $1,851.01 | $1,851.01 | 7.375% | No | No | Non-Employment Income | US Citizen | $7,790.91 | 1 | $1,483.20 | $1,203.72 | $123.60 | $100.31 | 24.055% | 24.055% | 24.055% | 02/25/2026 | 810 | No | No | [Borrower - |
Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | Onslow Bay | 6.300% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 322 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128428 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,490.00 | $2,981.32 | 6.973% | $1,611.72 | $1,611.72 | 6.875% | No | No | Employed | US Citizen | $6,748.63 | 1 | $1,401.96 | $1,479.36 | $116.83 | $123.28 | 34.116% | 34.116% | 34.116% | 04/15/2026 | 721 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,490.00 | 6.320% | $0.00 | 2.4 | DU | ApproveEligible | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 1.710% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 2.93 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126877 | XXXXX | N/A | No | Yes | $0.00 | 6.340% | $1,824.82 | $1,824.82 | 6.375% | No | No | Employed | US Citizen | $43,281.96 | 1 | $3,132.84 | $1,176.96 | $261.07 | $98.08 | 25.872% | 25.872% | 25.872% | 04/21/2026 | 786 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.300% | $0.00 | 2.6 | LP / LPA | Accept/Eligible | Yes | No | 6.375% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 17 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 127.86 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128336 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $3,784.18 | $1,581.20 | 6.426% | $1,181.72 | $1,181.72 | 6.375% | No | No | Employed | US Citizen | $11,286.82 | 1 | $3,857.04 | $2,460.00 | $321.42 | $205.00 | 36.788% | 36.788% | 36.788% | 04/17/2026 | 775 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Year End Summary - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Year End Summary - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $3,784.18 | 6.260% | $199,683.32 | 1.2 | DU | ApproveEligible | No | No | 6.375% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 8.410% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.61 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127639 | XXXXX | Safe Harbor QM (APOR) | Yes | No | $4,584.20 | $5,804.80 | 6.993% | $2,759.10 | $2,759.10 | 6.875% | No | No | Employed | US Citizen | $12,211.64 | 1 | $2,157.48 | $1,110.96 | $179.79 | $92.58 | 31.842% | 31.842% | 31.842% | 04/03/2026 | 765 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $4,584.20 | 6.260% | $0.00 | 4.4 | DU | ApproveEligible | No | No | 6.875% | 0 | 1 | 0 | 2 | 1 | 0.00 | No | Not Stated | XXXXX | XXXXX | 33.990% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.22 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125833 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.843% | $1,354.92 | $1,354.92 | 6.875% | No | No | Employed | US Citizen | $7,369.81 | 2 | $3,210.36 | $1,581.96 | $267.53 | $131.83 | 34.507% | 34.507% | 34.507% | 04/16/2026 | 770 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.370% | $3,000.00 | LP / LPA | Accept/Eligible | No | No | 6.875% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 42.290% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 21.84 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126804 | XXXXX | N/A | No | Yes | $0.00 | 6.964% | $3,193.45 | $3,193.45 | 7.000% | No | No | Self-Employed | US Citizen | $6,356.14 | 1 | $2,711.40 | $1,709.04 | $225.95 | $142.42 | 49.276% | 49.276% | 49.276% | 04/10/2026 | 761 | No | No | [Borrower - |
Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; Other - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; Other - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | Yes | Onslow Bay | 6.300% | $0.00 | 2.0 | DU | ApproveEligible | No | No | 7.000% | 0 | 0 | 0 | 3 | 2 | No | XXXXX | XXXXX | 28.000% | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.54 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128072 | XXXXX | N/A | No | Yes | $0.00 | 6.232% | $1,500.81 | $1,500.81 | 6.250% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $9,727.53 | 1 | $4,217.88 | $1,539.84 | $351.49 | $128.32 | 31.266% | 31.266% | 31.266% | 05/06/2026 | 756 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.260% | $0.00 | 1.3 | DU | ApproveEligible | No | No | 6.250% | 2 | 0 | 2 | 0 | 2 | 1 | 3.97 | No | XXXXX | XXXXX | 44.740% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | FICO Risk Score Classic 04 | 23.63 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126724 | XXXXX | N/A | No | Yes | $0.00 | 6.856% | $3,547.42 | $3,547.42 | 6.875% | No | No | Employed | US Citizen | $29,660.31 | 1 | $7,278.48 | $9,645.96 | $606.54 | $803.83 | 31.975% | 31.975% | 31.975% | 04/13/2026 | 793 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.300% | $0.00 | 1.1 | DU | ApproveEligible | No | No | 6.875% | 2 | 0 | 0 | 4 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 119.53 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126199 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 7.728% | $1,719.39 | $1,719.39 | 7.750% | No | No | Employed | US Citizen | $6,582.09 | 1 | $2,969.52 | $2,319.00 | $247.46 | $193.25 | 44.421% | 44.421% | 44.421% | 04/08/2026 | 685 | No | No | [Borrower - |
Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 1 | 0 | 0 | No | Onslow Bay | 6.300% | $6,000.00 | 1.0 | DU | ApproveEligible | No | No | 7.750% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 207.91 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127981 | XXXXX | N/A | No | Yes | $0.00 | 6.351% | $1,934.00 | $1,934.00 | 6.375% | No | No | Non-Employment Income | Self-Employed | US Citizen | US Citizen | $12,603.42 | 1 | $7,688.16 | $1,328.04 | $640.68 | $110.67 | 30.262% | 30.262% | 30.262% | 04/29/2026 | 795 | No | No | [Borrower - |
Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.260% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.375% | 0 | 0 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Final | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 209.79 | No | No | $9,418.50 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000129379 | XXXXX | N/A | No | Yes | $0.00 | 6.358% | $1,497.29 | $1,497.29 | 6.375% | No | No | Employed | US Citizen | $14,519.43 | 1 | $2,956.80 | $1,041.96 | $246.40 | $86.83 | 40.328% | 40.328% | 40.328% | 03/16/2026 | 790 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.320% | $0.00 | 4.5 | DU | ApproveEligible | No | No | 6.375% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 81.320% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 95.14 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126291 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 5.857% | $1,730.25 | $1,730.25 | 5.875% | No | No | Employed | Non-Permanent Resident Alien | $6,532.38 | 1 | $3,763.80 | $1,462.44 | $313.65 | $121.87 | 27.657% | 27.657% | 27.657% | 04/27/2026 | 745 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.300% | $6,680.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 5.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 65.040% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 69.57 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000132239 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 7.550% | $2,551.34 | $2,551.34 | 7.250% | No | No | Employed | US Citizen | $10,573.73 | 1 | $7,902.84 | $4,188.96 | $658.57 | $349.08 | 42.369% | 42.369% | 42.369% | 04/24/2026 | 774 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 1 | 0 | 0 | No | Onslow Bay | 6.260% | $8,800.00 | 4.3 | DU | ApproveEligible | Yes | No | 7.250% | 1 | 0 | 0 | 4 | 0 | 0.00 | No | XXXXX | XXXXX | 26.390% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.58 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125706 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $0.00 | 6.853% | $2,364.94 | $2,364.94 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $7,076.33 | 1 | $4,084.08 | $1,487.28 | $340.34 | $123.94 | 48.093% | 48.093% | 48.093% | 04/15/2026 | 684 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Account Transcripts - 2021 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.370% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.875% | 2 | 2 | 0 | 0 | 2 | 1 | 0.00 | No | Not Stated | XXXXX | XXXXX | 71.830% | No | 28 | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 20.57 | Yes | No | $0.00 | $6,080.58 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126562 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $89.60 | $2,337.14 | 6.654% | $2,868.59 | $2,868.59 | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $19,877.90 | 1 | $4,608.00 | $3,704.52 | $384.00 | $308.71 | 29.436% | 29.436% | 29.436% | 04/23/2026 | 784 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $89.60 | 6.300% | $0.00 | LP / LPA | Yes | Accept/Eligible | N/A | No | 6.625% | 1 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 1.52 | No | No | $0.00 | $17,353.42 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000129553 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.607% | $1,264.61 | $1,264.61 | 6.625% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $3,960.89 | 1 | $4,417.44 | $1,425.96 | $368.12 | $118.83 | 28.302% | 28.302% | 28.302% | 05/06/2026 | 676 | No | No | [Borrower - |
Primary Income - Social Security]; Award Letter / Continuance Letter -
2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.320% | $6,000.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.625% | 0 | 0 | 2 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 69.050% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 40.58 | No | No | $2,493.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126510 | XXXXX | N/A | No | Yes | $0.00 | 6.483% | $1,915.17 | $1,915.17 | 6.500% | No | No | Employed | US Citizen | $8,749.08 | 1 | $4,157.04 | $1,364.04 | $346.42 | $113.67 | 43.981% | 43.981% | 43.981% | 03/30/2026 | 774 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | Onslow Bay | 6.300% | $0.00 | 4.3 | DU | ApproveEligible | No | No | 6.500% | 2 | 1 | 0 | 2 | 1 | 0.00 | No | XXXXX | XXXXX | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 14.61 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127679 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,515.00 | $4,880.56 | 7.105% | $2,528.15 | $2,528.15 | 7.000% | No | No | Employed | Employed | US Citizen | US Citizen | $14,091.19 | 1 | $5,834.76 | $669.60 | $486.23 | $55.80 | 39.503% | 39.503% | 39.503% | 02/19/2026 | 782 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Deposit Receipt - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,515.00 | 6.260% | $2,500.00 | 2.3 | LP / LPA | Accept/Eligible | No | No | 7.000% | 2 | 0 | 1 | 0 | 3 | 1 | 0.00 | No | Not Stated | XXXXX | XXXXX | 29.280% | No | 27 | 12 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 11.36 | No | No | $0.00 | $2,209.18 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127410 | XXXXX | N/A | No | Yes | $0.00 | 6.230% | $3,047.80 | $3,047.80 | 6.250% | No | No | Employed | Not Employed | US Citizen | US Citizen | $10,048.96 | 1 | $8,274.00 | $1,449.96 | $689.50 | $120.83 | 48.483% | 48.483% | 48.483% | 04/17/2026 | 688 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 2 | 0 | 0 | No | Onslow Bay | 6.260% | $0.00 | 4.2 | DU | ApproveEligible | No | No | 6.250% | 1 | 0 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 9.5 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000132224 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $4,614.06 | $5,208.92 | 6.931% | $4,429.34 | $4,429.34 | 6.875% | No | No | Employed | Not Employed | US Citizen | US Citizen | $73,580.07 | 1 | $6,588.24 | $2,613.00 | $549.02 | $217.75 | 14.236% | 14.236% | 14.236% | 04/06/2026 | 777 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $4,614.06 | 6.420% | $0.00 | 3.8 | DU | ApproveEligible | Yes | No | 6.875% | 2 | 0 | 0 | 0 | 4 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 71.940% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 78.56 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000132184 | XXXXX | N/A | No | Yes | $0.00 | 6.115% | $4,557.08 | $4,557.08 | 6.125% | No | No | Employed | US Citizen | $13,402.09 | 1 | $17,062.56 | $1,567.32 | $1,421.88 | $130.61 | 33.467% | 33.467% | 33.467% | 04/07/2026 | 783 | No | No | [Borrower - |
Primary Income - Wages]; Borrower Attestation of Employment - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.320% | $0.00 | 2.4 | DU | ApproveEligible | Yes | No | 6.125% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 55.750% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 22.64 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000129758 | XXXXX | N/A | No | Yes | $0.00 | 6.481% | $2,678.39 | $2,678.39 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $11,194.81 | 2 | $6,363.36 | $2,886.36 | $530.28 | $240.53 | 49.421% | 49.421% | 49.421% | 03/09/2026 | 688 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.320% | $5,000.00 | DU | ApproveEligible | No | No | 6.500% | 1 | 1 | 0 | 0 | 1 | 0 | 0.00 | No | XXXXX | XXXXX | 52.460% | No | 27 | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 42.71 | No | No | $0.00 | $9,633.33 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000129373 | XXXXX | N/A | No | Yes | $0.00 | 6.490% | $7,110.77 | $7,110.77 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $15,188.55 | 1 | $18,750.00 | $629.04 | $1,562.50 | $52.42 | 46.127% | 46.127% | 46.127% | 05/03/2026 | 760 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.320% | $0.00 | 1.5 | DU | ApproveEligible | No | No | 6.500% | 0 | 1 | 1 | 0 | 2 | 1 | 0.00 | No | XXXXX | XXXXX | 58.610% | No | 3 | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 56.5 | No | No | $0.00 | $8,108.84 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128348 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,000.00 | $5,273.96 | 7.717% | $3,618.69 | $3,618.69 | 7.500% | No | No | Employed | Employed | US Citizen | US Citizen | $10,621.97 | 1 | $9,565.44 | $2,744.16 | $797.12 | $228.68 | 34.644% | 34.644% | 34.644% | 03/15/2026 | 784 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1084 or income worksheet - Year Not
Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $2,000.00 | 6.260% | $15,000.00 | 1.7 | DU | ApproveEligible | No | No | 7.500% | 1 | 1 | 0 | 0 | 1 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 22.520% | No | 27 | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 11.9 | No | No | $0.00 | $8,126.26 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000131431 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,919.00 | $3,074.00 | 7.540% | $4,195.29 | $4,195.29 | 7.500% | No | No | Employed | US Citizen | $16,673.48 | 1 | $3,482.64 | $1,797.00 | $290.22 | $149.75 | 40.833% | 40.833% | 40.833% | 04/27/2026 | 714 | No | No | [Borrower - |
Primary Income - K-1 (< 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; Business License - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; Tax Return Extension - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,919.00 | 6.420% | $0.00 | 2.7 | DU | ApproveEligible | No | No | 7.500% | 0 | 2 | 0 | 2 | 1 | No | Not Stated | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 104.87 | No | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000132181 | XXXXX | N/A | No | Yes | $0.00 | 6.481% | $3,583.83 | $3,583.83 | 6.500% | No | No | Employed | US Citizen | $12,033.92 | 2 | $10,819.56 | $1,665.12 | $901.63 | $138.76 | 44.555% | 44.555% | 44.555% | 03/10/2026 | 795 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.300% | $0.00 | DU | ApproveEligible | N/A | No | 6.500% | 1 | 2 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 85.78 | No | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126293 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $3,475.00 | $4,734.26 | 6.691% | $1,374.75 | $1,374.75 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $11,478.30 | 1 | $1,761.48 | $614.04 | $146.79 | $51.17 | 16.365% | 16.365% | 16.365% | 04/20/2026 | 813 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $3,475.00 | 6.300% | $0.00 | 5.0 | LP / LPA | Accept/Eligible | Yes | No | 6.500% | 1 | 1 | 0 | 0 | 3 | 3 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 314.81 | No | No | $0.00 | $7,970.54 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128983 | XXXXX | N/A | No | Yes | $0.00 | 6.854% | $1,379.55 | $1,379.55 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $15,939.73 | 1 | $2,235.96 | $675.00 | $186.33 | $56.25 | 32.796% | 32.796% | 32.796% | 05/05/2026 | 776 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.320% | $0.00 | 2.5 | DU | ApproveEligible | Yes | No | 6.875% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 28 | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 86 | No | No | $0.00 | $13,218.34 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127233 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 5.858% | $4,596.25 | $4,596.25 | 5.875% | No | No | Self-Employed | US Citizen | $16,541.10 | 1 | $17,649.36 | $1,827.96 | $1,470.78 | $152.33 | 48.534% | 48.534% | 48.534% | 05/04/2026 | 776 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search /
Directory Assistance - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.300% | $25,900.00 | 2.6 | LP / LPA | Accept/Eligible | Yes | No | 5.875% | 0 | 1 | 0 | 3 | 1 | No | XXXXX | XXXXX | 81.340% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 81.21 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126817 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $7,055.00 | $8,580.37 | 6.927% | $1,690.42 | $1,690.42 | 6.625% | No | No | Employed | US Citizen | $7,687.42 | 1 | $5,429.64 | $840.00 | $452.47 | $70.00 | 38.131% | 38.131% | 38.131% | 04/24/2026 | 812 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $7,055.00 | 6.300% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 34.600% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 8.38 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127800 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,886.50 | $4,148.60 | 6.956% | $5,078.52 | $5,078.52 | 6.750% | No | No | Employed | Employed | Not Employed | 0 | US Citizen | US Citizen | US Citizen | $15,519.76 | 1 | $14,704.80 | $4,866.84 | $1,225.40 | $405.57 | 45.144% | 45.144% | 45.144% | 04/16/2026 | 797 | 814 | 812 | 799 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | $1,886.50 | 6.260% | $17,000.00 | 4.6 | DU | ApproveEligible | Yes | No | 6.750% | 1 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 32.700% | No | 28 | 9 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 28.93 | No | No | $0.00 | $12,500.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000130317 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.992% | $718.53 | $718.53 | 7.000% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $2,352.31 | 1 | $425.64 | $716.04 | $35.47 | $59.67 | 37.717% | 37.717% | 37.717% | 03/11/2026 | 725 | No | No | [Borrower - |
Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.410% | $2,700.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 33.360% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.24 | No | No | $1,769.90 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126989 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.604% | $1,248.13 | $1,248.13 | 6.625% | No | No | Not Employed | Employed | US Citizen | US Citizen | $11,561.11 | 1 | $2,540.76 | $1,101.96 | $211.73 | $91.83 | 31.611% | 31.611% | 31.611% | 04/23/2026 | 783 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | Onslow Bay | 6.300% | $4,400.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.625% | 0 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 32.160% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.65 | No | No | $0.00 | $16,904.85 | No | No | No | No | 3 | 360 |