EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.03 - Schedule 1

 

Loan ID Seller Loan ID Investor Loan ID Loan Program Guideline Product Name Originator Name Originating Entity CDFI Flag Guideline Name Guideline Author Guideline Date Guideline Version Application Date TILA Status TRID GSE Verified Safe Harbor Flag Verified Safe Harbor Reference Document QM Regulation Failures ATR QM Total Points and Fees Audit Loan Regulation Benchmark Date Benchmark Rate AUS Decision System Rating Result Property Inspection Waiver (PIW) Calculated APR HUD 1 Page 1 Credits Total Verified Qualifying Rate Originator Qualifying Rate Qualifying P&I Default Interest Rate Present Default Interest Rate Annual Property Tax Monthly Property Tax Annual Insurance Costs Monthly Insurance Cost Annual HOA Costs Monthly HOA Costs Monthly Other Costs PITIA Residual Income HOA Name HOA Address State HOA Fee Amount HOA Next Due Date HOA Payment Frequency Originator DTI TPR Verified DTI QM DTI Is Borrower Non Occupant Is Co Borrower Non Occupant Co Borrower 2 Asset Verification Level Co Borrower 3 Asset Verification Level Co Borrower 2 Income Verification Level Co Borrower 3 Income Verification Level Co Borrower 2 Employment Verification Level Co Borrower 3 Employment Verification Level Borrower Employment Indicator Co Borrower Employment Indicator Co Borrower 2 Employment Indicator Co Borrower 3 Employment Indicator Co Borrower 2 Length of Employment Co Borrower 3 Length of Employment Document Level Borrower Years of W2s/1099 CoBorrower Years of W2s/1099 Borrower Months of Paystubs Verified Co Borrower Months of Paystubs Verified Borrower Employment Gap Letter Borrower Months of Employment Gap Co Borrower Employment Gap Letter Co Borrower Months of Employment Gap Borrower Years of Personal Tax Returns Borrower Years of Business Tax Returns CoBorrower Years of Personal Tax Returns CoBorrower Years of Business Tax Returns Years of 4506T Years of Tax Transcripts Borrower Award/Offer Letter Co Borrower Award/Offer Letter Asset Depletion Flag Partial Asset Depletion Flag Asset Depletion Months Amortized Asset Utilization Flag (No DTI) Borrower Bank Statements Flag Borrower Bank Statement Summary/Lender Worksheet Borrower Number of Personal Bank Statements Borrower Number of Business Bank Statements CoBorrower Bank Statements Flag Co Borrower Bank Statement Summary/Lender Worksheet CoBorrower Number of Personal Bank Statements CoBorrower Number of Business Bank Statements Percent of Income From Statements Borrower Business Ownership % CoBorrower Business Ownership % Bespoke Eligible Assets Borrower P&L Type Borrower Number of Months P&L Borrower P&L Prepared By CoBorrower P&L Type CoBorrower P&L Prepared By CoBorrower Number of Months P&L Borrower CPA Letter Flag # of Months CPA verified income CoBorrower CPA Letter Flag CoBorrower # of Months CPA verified income Borrower WVOE Flag Borrower # of Months Employment Validated WVOE Borrower # of Months Income Validated WVOE Borrower WVOE Form Type CoBorrower WVOE Flag CoBorrower # of Months WVOE CoBorrower # of Months Income Validated WVOE CoBorrower WVOE Form Type DSCR Flag TPR DSCR Originator DSCR Expense Letter Income Doc Detail Tax Return Doc Details Property Address Property City Property State Property Zip Property County Original Credit Report Date Borrower 1 Credit Report Date Borrower 2 Credit Report Date Borrower 3 Credit Report Date Borrower 4 Credit Report Date Qualifying Credit Score Third Wage Earner Original FICO Equifax Third Wage Earner Original FICO Experian Third Wage Earner Original FICO Transunion Fourth Wage Earner Original FICO Equifax Fourth Wage Earner Original FICO Experian Fourth Wage Earner Original FICO Transunion Most Recent Updated Credit Report Date 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 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 Is Equity Shared Loan Subordinate Lien Type Is Shared Appreciation Mortgage Borrower Originator Citizenship Designation Borrower Verified Citizenship Designation Borrower Individual Tax Identification Number (ITIN)? Borrower Photo Identification Type Borrower Photo Identification Other Type Borrower Photo ID State of Issuance Borrower Photo ID Country of Issuance Borrower Photo ID Expiration Date Borrower Passport Country of Origin Borrower Passport Expiration Date Borrower Non-US Citizen Identification Document Borrower Date of Resident Since/Valid Date Borrower Non-US Document Expiration Date Co Borrower Originator Citizenship Designation Co Borrower Verified Citizenship Designation Co Borrower Individual Tax Identification Number (ITIN)? Co Borrower Photo Identification Type Co Borrower Photo Identification Other Type  Co Borrower Photo ID State of Issuance Co Borrower Photo ID Country of Issuance Co Borrower Photo ID Expiration Date Co Borrower Passport Country of Origin Co Borrower Passport Expiration Date Co Borrower Non-US Citizen Identification Document Co Borrower Date of Resident Since/Valid Date Co Borrower Non-US Document Expiration Date Co Borrower 2 Originator Citizenship Designation Co Borrower 2 Verified Citizenship Designation Co Borrower 2 Individual Tax Identification Number (ITIN)? Co Borrower 2 Photo Identification Type Co Borrower 2 Photo Identification Other Type  Co Borrower 2 Photo ID State of Issuance Co Borrower 2 Photo ID Country of Issuance Co Borrower 2 Photo ID Expiration Date Co Borrower 2 Passport Country of Origin Co Borrower 2 Passport Expiration Date Co Borrower 2 Non-US Citizen Identification Document Co Borrower 2 Date of Resident Since/Valid Date Co Borrower 2 Non-US Document Expiration Date Co Borrower 3 Originator Citizenship Designation Co Borrower 3 Verified Citizenship Designation Co Borrower 3 Individual Tax Identification Number (ITIN)? Co Borrower 3 Photo Identification Type Co Borrower 3 Photo Identification Other Type  Co Borrower 3 Photo ID State of Issuance Co Borrower 3 Photo ID Country of Issuance Co Borrower 3 Photo ID Expiration Date Co Borrower 3 Passport Country of Origin Co Borrower 3 Passport Expiration Date Co Borrower 3 Non-US Citizen Identification Document Co Borrower 3 Date of Resident Since/Valid Date Co Borrower 3 Non-US Document Expiration Date Property Rights Buydown Flag Assumable Mortgage Flag Foreign National Alternative Credit Documentation Liquid / Cash Reserves Months Liquid Reserves Total Assets Available for Reserves Months Reserves Blanket Mortgage Flag Qualifying HCLTV Condo Warrantability Flag Appraiser License # Appraiser First Name Appraisal Last Name Maturity Date Number of Units
2144462     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     7.875%   xxx No   xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx   Monthly 0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00% 0.00%       0           0 No     0 0       0   Yes 0.772 0.772 N/A Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxx xxx xxx xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0   No   No US Citizen US Citizen N/A Passport   xxx United States xxx United States xxx N/A                                                                                   Fee Simple No No N/A xxx .00 xxx 25.35 No 70.0 N/A xxx xxx xxx xxx 1
2164760     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     6.500%   xxx Yes 35.000% xxx xxx xxx xxx xxx xxx xxx xxx xxx     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00% 0.00%       0           0 No     0 0       0   Yes 1.024 1.024   Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxx xxx xxx xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 Unknown No   No US Citizen US Citizen N/A Real ID Driver's License   xxx United States xxx     N/A                                                                                   Fee Simple No No N/A xxx .00 xxx 111.43 No 75.0 N/A xxx xxx xxx xxx 1
2164761     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     6.750%   xxx Yes 35.000% xxx xxx xxx xxx xxx xxx xxx xxx xxx     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00% 0.00%       0           0 No     0 0       0   Yes 1.443 1.443 N/A Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxx xxx xxx xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Real ID Driver's License   xxx United States xxx     N/A                                                                                   Fee Simple No No N/A xxx .00 xxx 120.56 No 75.0 N/A xxx xxx xxx xxx 1
2164808     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     7.625%   xxx No   xxx xxx xxx xxx xxx xxx xxx xxx xxx     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00% 0.00%       0           0 No     0 0       0   Yes 1.747 1.747   Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxx xxx xxx xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Passport   xxx United States xxx United States xxx N/A                                                                                   Fee Simple No No N/A xxx 6.91 xxx 6.91 No 68.39 N/A xxx xxx xxx xxx 2
2171245     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     7.500%   xxx No   xxx xxx xxx xxx xxx xxx xxx xxx xxx     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00% 0.00%       0           0 No     0 0       0   Yes 1.13 0.941   Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxx xxx xxx xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 Yes No   No US Citizen US Citizen N/A Real ID Driver's License   xxx United States xxx     N/A                                                                                   Fee Simple No No N/A xxx .00 xxx 0 No 80.0 N/A xxx xxx xxx xxx 1
2164763     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     7.125%   xxx Yes 35.000% xxx xxx xxx xxx xxx xxx xxx xxx xxx     $0.00     0.00% 33.58% 33.58% Yes Yes             Employed Unknown         2YR Full Doc 2 0 2+ Months NA N/A 0 N/A 0 0 0 0 0 3 0 NA NA No No 0 No No Yes 0 0 No N/A 0 0 0.00% 0.00% 0.00% Stocks/Bonds N/A 0 N/A N/A N/A 0 NA 0 No 0 Yes 83 27 Other NA 0 0 N/A No 0   N/A Borrower - Wage, Bonus, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025, 2026 || Co Borrower - N/A - 3 YRS Executed 4506T Verified - 2023, 2024, 2025, 2026 Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025, 2026 || Co Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025, 2026 xxx xxx xxx xxx xxx xxx xxx xxx     xxx                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Real ID Driver's License   xxx United States xxx     N/A     US Citizen US Citizen N/A Real ID Driver's License   xxx United States xxx     N/A                                                         Fee Simple No No N/A xxx 70.77 xxx 70.77 No 80.0 N/A xxx xxx xxx xxx 2
2164764     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     6.875%   xxx No   xxx xxx xxx xxx xxx xxx xxx xxx xxx     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00% 0.00%       0           0 No     0 0       0   Yes 1.334 1.34   Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxx xxx xxx xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 Yes No   No US Citizen US Citizen N/A Real ID Driver's License   xxx United States xxx     N/A                                                                                   Fee Simple No No N/A xxx 8.15 xxx 8.15 No 80.0 N/A xxx xxx xxx xxx 1
2164762     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A Alternative ATR Documentation         No AUS No     6.875%   xxx No   xxx xxx xxx xxx xxx xxx xxx xxx xxx     $0.00     0.00% 36.35% 36.35% Yes Yes             Employed Not Employed         1YR Full Doc 1 1 NA 1 Month N/A 0 N/A 0 0 0 0 0 3 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00% 0.00% 0.00%   N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A Yes 11 11 Work Number No 0     Borrower - Subject Property Net Rental Income(Loss) if NOO - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified - 2026, 2025 || Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified - 2026, 2025 Borrower - 3 YRS Executed 4506T Verified - 2026, 2025 || Co Borrower - 2026, 2025 xxx xxx xxx xxx xxx xxx xxx xxx     xxx                               NA     0       0     0     0   0 0 0 Yes No   No US Citizen US Citizen N/A Real ID Driver's License   xxx United States xxx     N/A     US Citizen US Citizen N/A Real ID Driver's License   xxx United States xxx     N/A                                                         Fee Simple No No N/A xxx 348.27 xxx 348.27 No 80.0 N/A xxx xxx xxx xxx 1
2169581     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     7.500%   xxx Yes 35.000% xxx xxx xxx xxx xxx xxx xxx xxx xxx     $0.00     0.00% 41.52% 41.52% Yes               Employed           2YR Full Doc 2   1 Month   N/A 0     0 0     3 0 NA   No No 0 No No Yes 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   Yes 83 28 Work Number     0   No 0     Borrower - Wage, Bonus, Other, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2026, 2025, 2024 Borrower - 3 YRS Executed 4506T Verified - 2026, 2025, 2024 xxx xxx xxx xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Real ID Driver's License   xxx United States xxx     N/A                                                                                   Fee Simple No No N/A xxx 27.34 xxx 27.34 No 83.21 N/A xxx xxx xxx xxx 1
2169582     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     7.500%   xxx Yes 35.000% xxx xxx xxx xxx xxx xxx xxx xxx xxx     $0.00     0.00% 40.87% 40.87% Yes               Employed           2YR Full Doc 2   1 Month   N/A 0     0 0     3 0 NA   No No 0 No No Yes 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   Yes 83 28 Work Number     0   No 0   N/A Borrower - Wage, Bonus, Other, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2024, 2025, 2026 Borrower - 3 YRS Executed 4506T Verified - 2024, 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 Unknown No   No US Citizen US Citizen N/A Real ID Driver's License   xxx United States xxx     N/A                                                                                   Fee Simple No No N/A xxx 56.55 xxx 56.55 No 85.0 N/A xxx xxx xxx xxx 1
2169579     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     7.125%   xxx Yes 35.000% xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx Monthly 0.00% 5.95% 5.95% Yes               Employed           Full Documentation 0   NA   N/A 0     2 2     3 0 NA   No No 0 No No Yes 0 0 No       0.00% 39.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified - 2024, 2023 Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified - 2024, 2023 xxx xxx xxx xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 Yes No   No US Citizen US Citizen N/A Real ID Driver's License   xxx United States xxx     N/A                                                                                   Fee Simple No No N/A xxx 732.97 xxx 732.97 No 85.0 N/A xxx xxx xxx xxx 1
2169580     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     6.875%   xxx Yes 35.000% xxx xxx xxx xxx xxx xxx xxx xxx xxx     $0.00     0.00% 35.00% 35.00% Yes               Self-Employed           1YR Full Doc 0   NA   N/A 0     0 2     0 0 NA   No No 0 No No Yes 0 0 No       0.00% 100.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS Business Tax Returns Verified - 2024, 2025, 2026 Borrower - 2 YRS Business Tax Returns Verified - 2024, 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   xxx United States xxx     N/A                                                                                   Fee Simple No No N/A xxx 29.61 xxx 29.61 No 85.0 N/A xxx xxx xxx xxx 1
2169587     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     7.375%   xxx Yes 35.000% xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx Annually 0.00% 0.00% 0.00% Yes Yes             Unknown Unknown         Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No   0 0 0.00% 0.00% 0.00%     0       0   0 No 0   0 0     0 0   Yes 1.223 1.223 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxx xxx xxx xxx xxx xxx xxx xxx     xxx                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Real ID Driver's License   xxx United States xxx     N/A     US Citizen US Citizen N/A Real ID Driver's License   xxx United States xxx     N/A                                                         Fee Simple No No N/A xxx 13.07 xxx 13.07 No 80.0 N/A xxx xxx xxx xxx 1
2169584     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     7.000%   xxx Yes 35.000% xxx xxx xxx xxx xxx xxx xxx xxx xxx     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00% 0.00%   Stocks/Bonds   0           0 No     0 0       0   Yes 1.331 1.331   Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxx xxx xxx xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 Yes No   No US Citizen US Citizen N/A Real ID Driver's License   xxx United States xxx     N/A                                                                                   Fee Simple No No N/A xxx 57.57 xxx 57.57 No 75.0 N/A xxx xxx xxx xxx 1
2169583     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     7.375%   xxx Yes 35.000% xxx xxx xxx xxx xxx xxx xxx xxx xxx     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00% 0.00%   Stocks/Bonds   0           0 No     0 0       0   Yes 1.407 1.407 N/A Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxx xxx xxx xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   xxx United States xxx     N/A                                                                                   Fee Simple No No N/A xxx 403.47 xxx 403.47 No 80.0 N/A xxx xxx xxx xxx 1
2169586     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     7.375%   xxx No   xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx Monthly 0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00% 0.00%       0           0 No     0 0       0   Yes 2.07 2.07   Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxx xxx xxx xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Real ID Driver's License   xxx United States xxx     N/A                                                                                   Fee Simple No No N/A xxx 107.81 xxx 107.81 No 42.29 N/A xxx xxx xxx xxx 1
2169585     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     7.000%   xxx Yes 35.000% xxx xxx xxx xxx xxx xxx xxx xxx xxx     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00% 0.00%   Stocks/Bonds   0           0 No     0 0       0   Yes 1.761 1.761   Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxx xxx xxx xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 Unknown No   No US Citizen US Citizen N/A Real ID Driver's License   xxx United States xxx     N/A                                                                                   Fee Simple No No N/A xxx 96.02 xxx 96.02 No 80.0 N/A xxx xxx xxx xxx 2
2173127     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     7.125%   xxx Yes 35.000% xxx xxx xxx xxx xxx xxx xxx xxx xxx     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00% 0.00%       0           0 No     0 0       0   Yes 1.024 1.428 N/A Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxx xxx xxx xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Real ID Driver's License   xxx United States xxx     N/A                                                                                   Fee Simple No No N/A xxx .00 xxx 72.31 No 70.0 N/A xxx xxx xxx xxx 2
2169588     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     7.500%   xxx No   xxx xxx xxx xxx xxx xxx xxx xxx xxx     $0.00     0.00% 0.00% 0.00% Yes Yes             Unknown Unknown         Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No   0 0 0.00% 0.00% 0.00%     0       0   0 No 0   0 0     0 0   Yes 1.545 1.236 N/A Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxx xxx xxx xxx xxx xxx xxx xxx     xxx                               NA     0       0     0     0   0 0 0 Yes No   No US Citizen US Citizen N/A Real ID Driver's License   xxx United States xxx     N/A     US Citizen US Citizen N/A Real ID Driver's License   xxx United States xxx     N/A                                                         Fee Simple No No N/A xxx 13.41 xxx 112.99 No 70.0 N/A xxx xxx xxx xxx 1
2175611     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     7.750%   xxx No   xxx xxx xxx xxx xxx xxx xxx xxx xxx     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00% 0.00%       0           0 No     0 0       0   Yes 1.491 1.49 N/A Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxx xxx xxx xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 Yes No   No US Citizen US Citizen N/A Real ID Driver's License   xxx United States xxx     N/A                                                                                   Fee Simple No No N/A xxx .00 xxx 99.53 No 75.0 N/A xxx xxx xxx xxx 1
2173129     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A Alternative ATR Documentation         No AUS No     6.875%   xxx No   xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx Annually 0.00% 44.37% 44.37% Yes               Employed           2YR Full Doc 2   2+ Months   N/A 0     0 0     3 0 NA   No No 0 No No Yes 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   Yes 129 59 Work Number     0   No 0   N/A Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Commission, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2024, 2025 Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 xxx xxx xxx xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 No No   No Permanent Resident Alien Permanent Resident Alien N/A Real ID Driver's License   xxx United States xxx     I-551 Permanent Resident Card    xxx                                                                               Fee Simple No No N/A xxx .00 xxx 76.55 No 75.0 N/A xxx xxx xxx xxx 1
2173128     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     7.375%   xxx No   xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx Annually 0.00% 40.12% 40.12% Yes Yes             Employed Not Employed         2YR Full Doc 2 0 1 Month NA N/A 0 N/A 0 0 0 0 0 1 0 NA NA No No 0 No No Yes 0 0 No Yes 0 0 0.00% 0.00% 0.00% Stocks/Bonds N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0     Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified - 2024, 2025, 2026 || Co Borrower - Other, Other - Executed 4506T Verified - 2024, 2025, 2026 Borrower - Executed 4506T Verified - 2024, 2025, 2026 || Co Borrower - Executed 4506T Verified - 2024, 2025, 2026 xxx xxx xxx xxx xxx xxx xxx xxx     xxx                               NA     0       0     0     0   0 0 0 Yes No   No US Citizen US Citizen N/A Real ID Driver's License   xxx United States xxx     N/A     US Citizen US Citizen N/A Real ID Driver's License   xxx United States xxx     N/A                                                         Fee Simple No No N/A xxx 46.33 xxx 46.33 No 85.0 N/A xxx xxx xxx xxx 1
2173130     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     7.500%   xxx Yes 35.000% xxx xxx xxx xxx xxx xxx xxx xxx xxx     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00% 0.00%       0           0 No     0 0       0   Yes 1.503 1.503   Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxx xxx xxx xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Real ID Driver's License   xxx United States xxx     N/A                                                                                   Fee Simple No No N/A xxx .00 xxx 24.36 No 75.0 N/A xxx xxx xxx xxx 4
2177286     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     6.625%   xxx No   xxx xxx xxx xxx xxx xxx xxx xxx xxx     $0.00     0.00% 30.51% 30.51% Yes               Not Employed           1YR Full Doc 0   NA   N/A 0     0 1     1 1 NA   No No 0 No No Yes 0 0 No       0.00% 0.00%     N/A 0 N/A       Yes 12 No   NA 0 0 N/A     0   No 0   N/A Borrower - SSI and Disability, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 1 YR Business Tax Returns Verified, CPA Letter Verified, Executed 4506T Verified, IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified - 2024, 2025, 2026 Borrower - 1 YR Business Tax Returns Verified, Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - 2024, 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       xxx                               NA     0       0     0     0         No No   No US Citizen US Citizen N/A Real ID Driver's License   xxx United States xxx     N/A                                                                                   Fee Simple No No N/A xxx .00 xxx 118.17 No 70.0 N/A xxx xxx xxx xxx 1